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You're right, Ann Taylor credit card has a high regular APR, that is a common feature for store credit cards. In addition, you can use this card only at Ann Taylor stores. If you don't want to apply for their card, you can apply for a regular rewards card that offers 0% intro APR on purchases and cash back. Here, at credit-land.com, you can use our Credit Card Navigator Tool that will find a perfect credit card for you based on your credit score and preferences.