If you are talking about having the ability to pay off the entire balance at once, then the loan. Because of the higher interest rate. You didn't specify if the credit card interest rate is fixed or not.
Also, if you deceide the credit card, keep in mind never close out the card, it is necessary to have a credit card, for auto rentals, sometimes hotels will take credit cards only, and same thing for certain other purchases, airlines come to mind, maybe if you deceide on the credit card, because it is variable, pay off MOST of the bal, but remember part of your credit score is based on AVAILABLE credit to you. Therefore if you pay it down to $1,000 bal. and it is a $12,000 available limit you have increased your credit score by adding $11,000 to your available credit. This could also be a good argument for paying toward the credit card, just don't close it out whatever you do, many people lower their credit scores unknowingly by paying off and CLOSING the account, pay off yes, close never.
One other thing. Interest rates are dropping fast, with the fed, and Mr. Bernanke on a printing money rampage to bail out the banks, this should help all credit card holders interest rates go down that are not fixed, and tied to an index.
That high fixed rate might be my target, or at least most of it, and maybe split it up, but keep that credit card. Remember also that your credit score is based on how you manage your debt also, so knocking down both, if possible a good idea.
Lic. Realtor, Credit counselor, stu loan advisor and author