You may not believe it, but there is a way you can earn a risk free 18% annual return. Before you get your hopes up, this article is about credit cards.

A lot of people are maxed out on credit cards, especially the millions of Americans. Paying off that debt should be one of the top priorities, even before you consider investing a single cent in the stock market. You can give yourself a great investment return by paying off that balance.

In case you did not know, an 18 percent interest rate on an $8,500 balance is $1,530 a year.

Whatever interest rate you are paying on your credit card, that interest rate will be your potential gain if you pay off the debt. The beauty of it is that it is RISK free, you are guaranteed to that annual return no matter what, it does not get much sweeter than that.