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You're right, J.Crew credit card has a high regular APR. In addition, you can use this card only at J.Crew store. If you don't want to apply for their card, you can apply for a regular rewards card that offers a 0% intro APR on purchases and cash back. A good example is the Discover it® Cash Back credit card. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Discover will match ALL the cash back you've earned at the end of your first year, automatically (if you are a new cardmember). Plus, earn unlimited 1% cash back on all other purchases - automatically.