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You're right, Victoria's Secret card has a high regular APR. In addition, you can use this card only at Victoria's Secret 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. A good example of a rewards card is the Discover it® Cash Back credit card. There is no annual fee for the card. You can 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. Plus, earn unlimited 1% cash back on all other purchases - automatically.