If you don't have savings to pay off your debt then apply for a new credit card at a lower rate. There are many cards offering low introductory rates for the first year and they allow you to transfer your balances. Take advantage of those low rates. After a year when rates go up look for new introductory rates. This system will get you out of debt if you don't continue charging and pay more than the minimum monthly payment.
Many cards have surcharges for cash.
Some cards charge a fee because they offer lower rates. Some credit cards offer extended warranties on purchases, supplemental car rental insurance, travel insurance and more.