Generally speaking, debt consolidation should begin with the cards with the highest interest rates. For example, if you have multiple credit cards that range in APR from 16.9% to 24.9%, then it makes sense to consolidate the card (or cards) on the high end of the spectrum first. At the same time, this will also depend on the size of the debt consolidation loan or balance transfer amount that you’re approved for, and the APR for which you can qualify. Consolidation is most successful when you can significantly lower the interest fees you’re paying. That said, you may also want to consider the effect that consolidation can have on your credit. For example, if the 16.9% credit card is near the limit, it may be worthwhile to consolidate at least a portion of that card. Bringing down the credit utilization to around 30% or so of the available balance on that card can give your credit score a near-immediate boost. Deciding whether a balance transfer credit card or a personal loan is best for your financial situation is something only you can decide. That said, if your credit score is good enough to qualify for a balance transfer card with favorable terms, like 0% interest for 18 months and a low transfer fee, then that is probably your best choice.