Best credit cards for paying off debt
A credit card with a 0 percent intro APR can help you pay off debt.
Credit card knowledge – how to avoid and manage debt, build credit, optimize rewards and bonuses – is an integral part of financial literacy today. While it can be a bit daunting, learning the ins and outs of credit cards is worth it to help create a solid budget and strong financial foundation.
— Reena Thomas, Ph.D.
About the author
Reena Thomas, Ph.D., is an editor/writer at Bankrate and CreditCards.com with a focus on credit card reward offers. She enjoys delving into the credit card landscape to help readers make valuable credit card decisions that are right for them.
Reena has over a decade of experience in education and publishing. Before joining Bankrate in 2023, she was a copy editor for NurseJournal, Trillium Publishing, Voyager Expanded Learning, and Rockefeller University Press. She also worked as a tenure-track college English instructor after receiving her doctorate and has published academic articles.
When she isn't writing and researching about credit cards, Reena can be found exploring her neighborhood for charming coffee shops, scenic trails, and friendly dog parks.
Reena's recommended readings
A beginner’s guide to credit card points
Credit card rewards mistakes to avoid
Which rewards credit card is best for me?
Credit card knowledge – how to avoid and manage debt, build credit, optimize rewards and bonuses – is an integral part of financial literacy today. While it can be a bit daunting, learning the ins and outs of credit cards is worth it to help create a solid budget and strong financial foundation.
— Reena Thomas, Ph.D.
A credit card with a 0 percent intro APR can help you pay off debt.
With a three-tier awards chart, a generous sign-up bonus and practical bonus categories, this card seeks to make travel accessible for families.
Students on a budget will find some valuable perks in this no annual fee card.
The Bank of America Unlimited Cash card is par for the course but can be top-tier if you have enough money for elite Preferred Rewards status.
Discover’s sole travel card is a great starter value if you want versatile travel rewards, but many competitors may benefit you more with beefier travel perks.
The Chase Freedom Student credit card is a solid starter card for students who want to earn cash back rewards and build their credit.
A fine choice for bank customers, but there's nothing particularly special here for others.
Decide whether the Netspend Visa Prepaid Card is the right choice for you.
Check out Bankrate’s top Delta credit card picks.