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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate (provided you are enrolled).
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All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.