The content is accurate at the time of publication and is subject to change.

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 up to 5% cash back on purchases in selected categories that change every quarter, up to the quarterly maximum when you activate. On all other purchases you'll get 1% cash back.

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.