Gauss: Cut Credit Card Rates

57 reviews
Content rating
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About this app

Up to $25k at 12%-16% variable APR to balance transfer from any card. Pay off your card balances up to 10x faster! No fees to transfer a balance. Instant approval, soft credit check. FICO 660+.

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!

Pay off any credit card balance using your low-interest credit line from Gauss, both on-demand and automatically. Your cards get a lower APR, and you save money on interest charges and pay off balances faster. Keep using your cards and watch your savings go up. No fees! Subject to credit approval.

Use your low-interest Gauss credit line over and over again. As you pay Gauss back, you’ll free up more space on your credit line to pay off other cards.

Different due dates, minimum payments, separate logins, APRs, and balances can be hard to keep up with. Easily pay and manage all of your credit card bills from a single app. Plan and track payoff progress. Get personalized recommendations on optimal payments, including following an avalanche or snowball debt payoff strategy.

Up to a $500 advance when you need it most to cover credit card bills. 0% APR. With Gauss Spot, you can kiss late fees and overdraft fees goodbye on your credit cards.

Your account shouldn’t cost you money. Gauss has no maintenance fees, minimum balance fees, or fees for Gauss Line.

Auto transfer balances from your cards to Gauss low-interest credit line. Lower average credit limit utilization, never be late on card bills, consistently pay above required minimums, and boost credit score!

Join other Gauss users who have been able to pay off millions of dollars of credit card debt instantly with Gauss Line. Take control of your financial future and accelerate your debt-free journey today. See how much you can save with a lower interest rate on your credit card debt. Zero impact on your credit score to check!

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

1. Connect your credit cards and checking accounts securely
Keeping your data safe is our top priority. Gauss has read-only access to your accounts and all your information is transmitted via 256-bit encrypted channels.

2. Activate your Gauss Credit Line
If you qualify, Gauss provides up to a $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 and repay us once a month with minimum payments or more. No fees!

What does Gauss charge?
12-16% variable APR is charged on your Gauss Line balance. The Line has no fees, and we never charge interest on interest. Gauss Spot charges a flat fee only when you use it to pay card bills.

How does Gauss save me money?
Gauss lowers APR on your existing credit cards, saving you money on interest.

Gauss service is currently available in 23 states. Gauss is not affiliated with Truebill, Rocket Money, Credit Karma, Earnest, Earnin, Current, Chime, Cash App, Varo Money, Digit, Albert, Brigit, Grid Money,, Dave,, Klover, Empower, Tally, Money Lion, Bright Money.
Updated on
Mar 13, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 2 others
Data is encrypted in transit
You can request that data be deleted
57 reviews
Andy Richardson
February 21, 2023
Great app to help credit card debt, they gave me a 15 percent interest rate, this is helped me a lot, all the people that are complaining about having to add a bank account why would they just give it to you for free with no credit check think about it they have to know how much money you're making... This is the best app ever!!!! Thanks Gauss. :)
1 person found this review helpful
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Placid Inc.
February 22, 2023
Andy, thanks a ton! Really appreciate you sharing your feedback, and super happy the product is useful for you!
February 16, 2023
Gauss app won't load on Android OS, w/ fully updated versions of app and OS. You get only a blank white screen w/Gauss logo... Never gets past that. Uninstall and reinstall, phone reboot... Nothing works. Kind of useless if you can't open it.
1 person found this review helpful
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Placid Inc.
February 22, 2023
Sorry for the trouble with the app :( We couldn't replicate the problem you're experiencing yet, but keep investigating. You can always access the latest version of the app from any browser at Also, if you get a chance, please try a newer version of the app - we're updating frequently.
Jordan Cleinman
December 12, 2022
Downloaded to help consolidate CREDIT CARD debt, and they want me to hook up my bank account to the app. Absolutely not, this seems very scammy. - Your reply makes 0 sense, as my high APR cards, are not from my bank.
16 people found this review helpful
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Placid Inc.
January 31, 2023
Update: Hey Jordan, thank you for checking us out. Gauss pays off your cards with its own money, then you pay Gauss back at a low interest rate. To do that, we need to confirm you can pay off the balance with us. So we ask to connect your bank account via Plaid to verify your income in read only-mode. This is 100% safe and secure.

What's new

Stability improvements and bug fixes