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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 0% 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. All your purchases can earn 1% cash back and purchases made in rotating categories earn up to 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.