Got my first credit card in America

This is the Bank of America Platinum Plus card. Since Bank of America is the biggest bank in America, I am glad to use the service provided by the most powerful bank. The only disadvantage is the purchasing APR is almost 20%, and it is a little bit too high, and it is beyond my expectation. Perhaps I need another card that has a lower APR. If the APR is too high, it will be inefficient to use such an expensive card.