The type of account you use for debt consolidation depends on your individual circumstances. However, you may want to note that debt consolidation loans generally provide a fixed interest rate that is applied from the time the loan is approved.
Balance transfer credit cards, on the other hand, provide a low or 0% introductory interest rate before standard rates are applied, which can give you an interest-free period. The idea with balance transfer credit cards is to focus on paying down your debt in the zero or low interest period so that you don't face any additional charges.
Before deciding on the best option for you, consider comparing a range of loan and credit card options to find one that suits your personal circumstances.