Pay it down
Make a plan to pay off your cards.
Type in each card. You get the order that costs the least interest, what to pay on each one this month, and how that compares with clearing the smallest balance first.
The math runs on your phone. Nothing you type leaves it or gets saved.
Your plan
This month
Then, in order
Compared
Assumes the minimums stay the same and no new charges go on the cards. Interest is added monthly.
Then what
Once the balances are gone, the rewards math starts to matter.
Which card to use, whether a bonus is on pace, whether an annual fee is worth it. That is whatCardReply explores in its chat preview.