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You're right, Justice credit card has a high regular APR. In addition, you can use this card only at Justice store. If you want to get 0% APR credit card, consider applying for the 0% intro APR on purchases credit cards. What is more, you can find there credit cards with rewards. A good example is the Discover it® Cash Back credit card. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, 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. It comes with 15-months 0% intro APR on purchases (when the introductory interest rate is over, the ongoing APR of 17.24% - 28.24% Variable APR will apply).