When it comes to paying off credit card debt, two strategies dominate the conversation: the Avalanche method and the Snowball method. Both work, but they take different approaches to help you become debt-free.
The Avalanche Method
The Avalanche method saves you the most money by targeting the highest APR (interest rate) debt first.
Pay minimums on all cards
Make sure all accounts stay current to protect your credit score.
Attack highest interest rate first
Put every extra dollar toward the card with the highest APR.
Roll over to next highest
Once paid off, redirect that payment to the next highest rate card.
- Mathematically optimal — saves the most money
- Faster total payoff time
- Minimizes total interest paid
The Snowball Method
The Snowball method builds momentum by paying off the smallest balances first, regardless of interest rate.
Pay minimums on all cards
Keep all accounts in good standing.
Attack smallest balance first
Put extra money toward the card with the lowest balance.
Celebrate and continue
Each paid-off card is a win that motivates you to keep going.
- Quick psychological wins
- Builds momentum and motivation
- Easier to stick with long-term
Which Should You Choose?
The best method is the one you'll actually stick with. Here's a quick guide:
Choose Avalanche if...
- You're motivated by math and savings
- You can stay disciplined without quick wins
- Your highest-rate debt isn't huge
Choose Snowball if...
- You need motivation from progress
- You have many small debts
- You've struggled with debt before
Both methods work. The Avalanche saves more money; the Snowball keeps you motivated. Pick one and commit to it.
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