Placid Money is now Gauss Money!
Gauss money
Earn Back on Card Debt
14% APR on any credit card.* Rewards for paying card bills. No fees.

Get the most
out of credit cards

Just launched!
Pay off any credit card balance using your low interest credit line from Gauss, both on-demand and automatically. Your cards get lower APR, and you pay off balances much faster. Keep using your current cards and watch your savings go up. No fees!

Pay off cards easily

No Annual Fees.
No Origination Fees.
Just No Fees.

Autopay all your credit card bills from a single app. Easily pay above required minimums to pay off balances faster. Prevent late fees and overdraft fees!

Autopay at no cost

No Late Fees.
Lower Card Bills.
Unlock Your Cash.

Earn Gauss coins every time you repay on time. Use coins to reduce APRs, increase credit limit, get access to high APY savings and other big prizes! †

Get payoff rewards

Auto transfer balances from your cards to Gauss low interest credit line. Lower average credit limit utilization and boost credit score! ††

Improve Credit Score

2% APY on your cash. Boost to 5% APY for timely credit card payments. FICO 660+.

Earn up to 5% APY

Auto invest into diversified ETFs from you card bills without stretching your budget. The more you invest, the lower is your APR with Gauss. Build wealth and break out of debt for good.

Invest when paying off cards

Coming soon
Coming soon

What our users say

Gauss users are saving over $1,000,000 on credit cards.

How it works

Lower APRs on your cards in under 10 minutes
Connect cards and checking accounts via Plaid
Login to your banks. It's 100% secure.
Run a soft credit check
Get approved in seconds. Your credit score will not be affected.
Verify card numbers
Enter 15/16-digit card numbers for cards you want to payoff. It's 100% safe.
Payoff cards right away
Set card payoff amounts and start saving immediately. You can always update payoffs for any connected card or add more cards later.
Improve FICO
Lower card utilizations instantly. You can also choose not to report Gauss Line to credit bureaus when you're in good standing.
Enable auto payoff
More expensive balances will be paid off automatically. Use Gauss as a safety net on any card.
It gets even better over time
Repay on time and get rewards, lower APRs and grow credit limit over time.

No Transfer Fees.
No Prepayment Fees.

Is using Gauss safe?
Gauss meets the highest security and privacy standards of the banking industry and works with the most reliable data providers, like Plaid and Equifax. Your data safety is our top priority, and we use the strongest encryption and anonymize data whenever possible.
How does Gauss affect my credit score?
Gauss improves your credit score in most cases.† Gauss prevents late payments and reduces the amount of debt on your cards, reducing their utilization, which has a great positive effect on your credit score. You can improve the score further by paying on time to Gauss.

No fees are charged If you're late with your repayments to Gauss, but your credit score will be negatively affected.
I have issues with the app. What do I do?
If your app is loading normally, please reach out through the built-in support chat. If the app is not loading, ping us over the email Support team will get back to you as soon as possible.
Who is Gauss good for?
If you ever have unpaid credit card balances and/or actively use multiple credit cards, Gauss is for you! Gauss is great at making your credit cards much cheaper and stress-free.
What are the requirements to use Gauss?
Gauss runs a soft credit check to verify you're in good credit standing. FICO above 660 is required. We also require to connect a primary checking account to automatically verify your income in read-only mode.

Some features, like cash rewards and auto investing, are only available to customers who have at least 3 months of history with us.
Is Gauss a bank?
No, Gauss is a technology company. We provide our customers with tools and capital to make credit cards cheaper and more convenient.

Gauss is built by a team of veterans from global banks like Citi and world-class software engineers. We're on a mission to help people use debt in a way to become better off financially.
How does Gauss make money?
14% APR (which is the same as interest rate) is charged on balances transferred to Gauss credit line from your cards. No fees. Only high APR balances that cost you interest are transferred, so you always save money with Gauss.*
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* Gauss credit line APR, which is the same as interest rate, for balance transfers is 12%-16%, depending on a number of factors, including credit profile. The rate is variable with prime rate. The majority of credit cards are eligible for the balance transfer if a credit line is approved.

If user's APR is 34%, total balance is $10,000 and fixed monthly payments are $384, user's interest expense until full payoff would be $8,401 vs. $1,990 with Gauss. If user's APR is 24%, total balance is $10,000 and fixed monthly payments are $300, user's interest expense until full payoff would be $6,644 vs. $2,737 with Gauss.

† We top up your rewards account with coins every time you pay your Gauss Bill on time. You can use your rewards freely at any time, including using them to reduce your balance with Gauss.

†† Credit score stability/improvement is not guaranteed. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations.

Placid Inc.
200 Vesey Street, 24th Floor, New York, NY 10281
(877) 909-1559

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