If you want to pay off credit card debt faster, you’re not alone—millions of Americans carry balances month to month. The good news? There are smart, practical ways to start reducing your debt and move toward becoming debt-free.
5 Clever Ways To Pay Off Your Credit Card Debt
March 9, 2026 - Genie Editor
1. Stop Earning 0.01% — This Account Pays Up to 3.75% APY
If your savings account isn’t earning much, this option from Barclays may be worth a closer look. Their Tiered Savings account currently offers up to 3.65% APY, with no minimum balance to open and no monthly maintenance fees.
Accounts are FDIC-insured through Barclays Bank Delaware, and everything can be managed online. Rates are variable and may change at any time. For savers looking to earn more without switching to a complicated account, this is one option many people are starting to compare.
APY is variable and subject to change. Terms and conditions apply.
2. See if your credit card debt is eligible for this debt relief program
Carrying credit card balances can quickly become overwhelming, especially as interest continues to add up each month. Many people put off dealing with debt because they’re unsure where to start — but waiting often makes the situation harder to manage.
If you have $15,000 or more in unsecured debt, including credit cards, personal loans, or medical bills, a debt relief program like Nerdwallet may help you explore options designed to simplify repayment through a single monthly plan.
There are no upfront fees, and checking eligibility is fast and straightforward. Answer a few quick questions to see if you may qualify.
3. See if your credit card debt is eligible for this debt relief program
If you have a lot of credit card debt, getting out of it can feel stressful — and sometimes nearly impossible. Here’s the problem: the longer you put off tackling it, the harder it can become to get back on track. High balances, interest charges, and multiple monthly payments can keep weighing on your finances for years. But what if there was a way to finally start resolving that debt?
National Debt Relief may be able to help. If you have $20,000 or more in unsecured debt from credit cards, personal loans, medical bills, or collections, their debt specialists can review your situation and work with creditors to try to resolve eligible debts for less than you owe.
Best of all, there are no upfront fees. National Debt Relief only collects fees after successfully resolving enrolled debt, and qualified clients may be able to complete their program in approximately 24–48 months.
Getting started is simple. Answer a few questions about your debt to see if you may qualify. The initial consultation is free and only takes a few minutes.
4. Get Personal Loans up to $50,000
*This is an ad.
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Need a loan now? You may qualify for up to a $50,000 loan in just days by answering a few simple questions on this site. NerdWallet helps thousands of people find the personal loans they need—from debt consolidation to home improvement and everything in between.
Use this tool to get matched with loan options faster than ever. Here’s how to get started:
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This tool connects you with lenders quickly—so you can take the next big step toward your financial goals.
*Approval and loan terms vary based on applicant qualifications. Not all applicants will qualify for the full amount or lowest available rates.
*NerdWallet Compare, Inc. NMLS 1617539, https://nmlsconsumeraccess.org/
CA Fin. Lender loans per DFPI Fin. Lenders Lic 60DBO-74812