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You can transfer the balance of your current credit card to a card with lower rates or a zero interest introductory period. If your credit history is good to excellent, you can apply for the Discover it® Balance Transfer card. During the introductory 0% APR period offered by the card, you can pay off debt without accruing interest charges for up to 18 months (16.74% - 27.74% Variable APR after that). There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. This card also offers a high rewards rate: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate, unlimited 1% cash back on all other purchases, no annual fee and cash back match bonus at the end of your first year (provided you are a new card member).