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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. You can Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.