cash out refinance to clear high interest credit cards debt

[Gp G.]

I have mortgage about 80k with 15 year term ( so far paid about 4 years of 15 year term of original loan amount 120k) with interest rate of 2.85 %. I also have credit card debt of 80k with interest rate around 20%  as I have to spend lot of money on repairs over period of time.

Is it good idea to do cash out refinance and loose 2.85% mortgage interest rate and pay bunch of fees like closing costs, points (but I can clear of high interest credit card debt with cash out money ?) .

Or is it better to continue same way for 11 more years and try to clear credit card debt slowly parallelly as i keep saving couple of hundred dollars in cash flow a month and also pay from my other job salary?.

My credit score not good to take personal loans now.

I am making about 1500$ on rent in this 34 year old rental property. 

Please advise