Advertiser and Editorial Disclosures

9 Clever Ways To Pay Off Your Credit Card Debt

Paying off credit card debt is easier than you think if you have the right plan.

Last updated Sept. 14, 2026 | By FinanceBuzz Editors

A recent study shows that over 80% of Americans are in debt. High interest credit cards, hospital bills, or student loans, car payments — everyone knows the challenge.

Below, you'll find clever ways to help you crush your credit card debt.

Ask this company to pay off your credit card debt

If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?

ClearOne Advantage could help.1 If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly program payment.

Best of all? There are zero fees until your debt is settled, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions. It only takes a few minutes to see if you qualify. 

Try ClearOne Advantage

Did You Know?
On average, debt settlement saves clients around 32% of their enrolled debt after fees, according to a 2023 study by the Association for Consumer Debt Relief. The consultation costs nothing. People who enroll and complete the program could be debt-free in 24 to 48 months.
Sources: Association for Consumer Debt Relief (2023)

Pay no interest on balance transfers until 2028

Imagine getting 18 months with 0% intro APR on a balance transfer (APR then 18.24% - 28.49% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading card - the Citi Double Cash® Card.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 18 months. After the intro period for balance transfers, the APR is 18.24% - 28.49% (Variable). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't stop with balance transfers though. Cardholders can also earn double cash back — 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Even better, you can redeem your cash back as direct deposit, a statement credit, or even a mailed check! You can turn your everyday purchases into cash back and make a dent in your debt, regular bills, or save for the future.

The best part? There's no annual fee with the Citi Double Cash® Card (Rates and fees).

Click here to apply now for the Citi Double Cash® Card

Let banks compete to help you get out of debt

If you really want to get out of debt, you can let banks compete against each other to help you out. It can be nearly impossible and anxiety-inducing to make debt payments all on your own, but this clever site lets banks compete to assist you.

It’s called LendingTree2, and they can match you with loan providers that compete to give you personalized rates and offers for your situation and could help you pay off your debt quickly.

Think about it this way: For example, $30,000 in credit card debt at 25% APR will cost you $622.60 every single month in interest alone. But, with a rate as low as 6.50% APR (possible through LendingTree’s lenders that compete for your business), you’d only pay $160.69 interest.

That’s over $460 a month you’d get to keep for yourself in this scenario!3 Even better, you don’t necessarily need a perfect credit score (credit requirements vary by lender) and checking for loans won’t affect your credit.

Truthfully, this company exists to help you get ahead in life. They have a 4.5/5 rating on TrustPilot with more than 15,000 verified reviews, and you can see your options quickly. It’s certainly worth a shot if you’re feeling suffocated by debt.

See if your $30K+ credit card debt is eligible for options with LendingTree

Pay no interest into 2027 with this no annual fee card

If you're struggling to pay down high interest debt (or you're planning a major purchase this year), this might be the exact thing you need. There's a card that allows you to pause credit card interest into 2027 ... and the best part is that it could be easier than you think.  

Discover it® Cash Back (Rates and fees) is an extremely powerful card that gives you 0% intro APR for an astounding 15 months on purchases and balance transfers. (Then APR is 17.49% - 26.49% (Variable); Balance transfer fee applies.) That's right — you can now finance large purchases you've been sitting on without paying massive interest. Or, transfer crippling high interest debt to this card and let your payments go directly to paying down your balance, without piling on additional interest charges — all with no annual fee.

But it doesn't end there. The Discover it® Cash Back card also lets you 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. Plus, Discover will match all the cash back you’ve earned at the end of your first year. 

Apply now for the Discover it® Cash Back card

Ask this company to help you reduce your tax debt (consultation is 100% free)

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Even worse when the IRS starts sending letters threatening wage garnishment and huge fines.

Alleviate Tax is designed specifically to help you get out of tax debt faster and could reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Alleviate Tax talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Answer a few questions to get started

Tap the equity in your home without adding another monthly payment (home must be worth at least $200,000)

If you own the home you live in but don't want to go for a traditional HELOC, Splitero could be perfect.

How it works: Splitero is a Home Equity Investment product that bets on your home's future value going up. They give you cash now, and when you sell, refinance, or pay Splitero back in cash, you give them a small portion based on how much your home is worth then.

(By the way, if your home value decreases, the value of the percentage Splitero is entitled to also decreases. That could be a lot safer for you.)

Splitero is rated "A" by the BBB and works with single family homes, condos, townhomes, and 2 to 4 unit properties. No mobile or manufactured homes. Use the money however you like. Pay off debt, renovate, invest … all without worrying about additional monthly payments.

You may qualify if you:

  1. Have 30% or more equity in your home. (Not sure how much equity you have? Click below and Splitero can help show you.)
  2. Have a home worth at least $200,000.
  3. Have a credit score of 500+.

Enter your home address here to see if you pre-qualify in less than 2 minutes

Borrow cash from your home (without touching your mortgage)

If you need cash, you do not need a cash-out refinance or home equity loan — get a HELOC instead. The Fed just cut interest rates, and a HELOC could help you take advantage of it without touching your mortgage.

Use LendingTree’s simple HELOC matching tool2to compare rates and see what works for you.

How a home equity line of credit is different: Your line of credit acts similar to a credit card during what’s called the “draw period,” which is usually 10 years. You can withdraw funds when you need them, and you’re only responsible for monthly payments toward the outstanding balance. After the draw period ends, you pay off the outstanding balance during the remaining term or “repayment period,” which can be up to 20 years.

The best part? HELOCs usually have variable interest rates, meaning you could access cash now at newly lowered rates and have the opportunity to access more down the road at potentially even lower rates.

To get started:

  1. Check out LendingTree’s HELOC matching tool.
  2. Answer a few questions.
  3. Be matched with personalized offers for you.

See how much cash you could get

Get Out of $30,000 or More of Credit Card Debt
National Debt Relief
4.7
info
National Debt Relief Benefits
  • No upfront fees4
  • One-on-one evaluation with a Certified Debt Specialist
  • For people with $30,000 in unsecured debts and up
Visit National Debt Relief