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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. A good example is the Discover it® Cash Back credit card. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Discover will match ALL the cash back you've earned at the end of your first year, automatically (if you are a new cardmember). Plus, earn unlimited 1% cash back on all other purchases - automatically. Thus card comes with no annual fee and offers 0% intro APR (after introductory period is over, an ongoing interest will apply).