For sure the second option - I'm going to look through the offers I received. Although, I am worried about not getting a high enough limit. Thank you for the comment!

Just re-read your statement on the savings part - I recently started getting into personal finance, so now I understand to look at my finances from a business/net worth perspective. Thank you once again, I will use this information going forward.

Definitely, I agree with paying off the AMEX and CSP and making it my first priority, then start lowering the balance on the BOFA. Having savings is crucial to me, and it didn't even cross my mind to start putting my purchases on the card with 0%. Thank you for your response!

Paying off the AMEX and CSP is #1 for me, will most likely do this. Cash flow is important to me as well as I don't want to be left with $0 each month. Thank you for your comment!

Almost posted with my main account, oops, but I've been getting a lot of CC pre-approvals coming in the mail with 0% balance transfers. I didn't want to open another card but a good option to think about. Def have to cut spending down in order to max my monthly take home towards the debt. Also true about the loan, still considering this as my primary option, thank you for your advice!