Gauss: Cut Credit Card Rates 4+

Superpowered Balance Transfer

Placid Inc.

Designed for iPhone

    • 4.7 • 488 Ratings
    • Free

iPhone Screenshots


Get up to $25k to balance transfer from any credit card. No fees. Our users save $3k on interest charges. Instant approval, soft credit check. FICO 660+ required.

Gauss Money makes your credit cards up to 90% cheaper and helps you earn more and spend less when using them. Watch your card balances getting paid off instantly, your savings and investments growing, and your credit score improving. Gauss users build thousands of dollars of wealth, without stretching their budgets or changing the cards they use.

Gauss team is on a mission to help people build wealth in the easiest and fairest way and is really willing to listen to users and help as much as possible. Feel free to ping us any time in the in-app chat or over the email!


In 5 minutes, Gauss can help you get on the path to build savings off your credit cards! There are no risks to signing up - it won’t affect your credit score and there’s no fees!

1. Connect your credit cards and checking accounts securely
Keeping your data safe is our top priority. Placid has a read-only access to your accounts and all your information is transmitted via encrypted channels.

2. Activate your Gauss Credit Line
If you qualify, Gauss provides up to $25,000 low APR credit line to instantly payoff card balances anytime you like or even automatically as soon as they emerge.

You keep using your cards normally, repay us once a month with minimum payments or more. No fees!

3. Watch you balances go down and your savings grow
Gauss keeps track of the balances, interest rates, utilization, due dates and your savings for each connected card.

You get rewards for paying card bills! You can use rewards to lower Gauss Line APR or increase its credit limit!

You may choose to automatically pay some extra on top of your minimum payments. Gauss shows you how much more you save on interest and how much faster you pay off, depending on the amount of extra.

You can pay off your card balances from Gauss line automatically. Gauss always saves you money by paying off balances with APRs that are higher than your Gauss APR! And yes - no fees!


What does Gauss charge?
12-16% variable APR (which is the same as interest rate; changes with prime rate) is charged on your Gauss Line balance. There’s no balance on Gauss Line until your cards are actually paid. The Line has no fees, and we never charge interest on interest.

How does Gauss save me money?
Gauss lowers APR on your existing credit cards, saving you money on interest. Card bills go down, and you can consistently pay above minimums without spending more, therefore saving on interest even further.


Gauss app and servicing is only available in English. Gauss service is currently available in 23 states. You can check if your state is supported in the first onboarding step in the app.

Gauss is not affiliated with Truebill, Credit Karma, Earnest, Earnin, Current, Chime, Cash App, Varo Money, Albert, Brigit, Dave, Klover, Empower, Tally, Money Lion, Bright Money.

What’s New

Version 1.3.23

Stability improvements and bug fixes

Ratings and Reviews

4.7 out of 5
488 Ratings

488 Ratings

msm5471109 ,

So far so good

I’ve been using this app for a few months and I have to say the customer service has been fantastic so far! I’ve been using the 0% apr feature which is great makes life a lot easier especially when you are trying to play catch up on your bills. After three months they said I’ll be reviewed based on making my payments on time to see if I’m eligible for the balance transfer which I can’t wait for so I can finally knock out some of my high interest cards! This is the first service to actually treat me like a person and not just a number and give me a chance to start lowering my credit card debt unlike all the others!

Developer Response ,

Thanks so much - we're so happy we could be helpful! Looking forward to see you start using the balance transfer product! And much more other good stuff that's coming :)

Senthu Hunt ,

What a find!

Looks very useful! Decided to give a try as Placid promises up to extra 45 day to pay my card bills using their money > not charging me upfront lump sum or small amounts. On-boarding was smooth and relatively fast. Can’t do a full review yet, just started to use them. What I really liked so far and why I’ve decided to leave review early, the app brings a lot of transparency to credit cards I own: can see in one place all balances, upcoming monthly payments and APRs. If this Placid bill pay feature works as promised it will take away a lot of stress and headaches for me. Can’t wait to see it.

Developer Response ,

Really appreciate the feedback! Please keep us posted on your experiences and feel free to reach out any time via the built-in chat or email

Mayen Jankovicziawk ,

cool stuff

neat stuff - autopays all cards with their money + they give extra few hundred bucks every month to pay off, so save on interest, cause they don't charge interest. thye claim no interest is not a promo, forever, will see. subscriptions is reasonable - $5 (actually 0.99 initially). I actually went to the web site - they promise low apr balance transfer and invest savings soon, after using it for a few months. sounds cool, cause Ifind it hard to make these decisions. looking forward.

Developer Response ,

Mayen, Thank you! We are happy that you like using our app! Appreciate you visiting our website, low APR balance transfers and savings/investments are coming soon!

App Privacy

The developer, Placid Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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