How's Gauss different?

Time to get a credit decision

5 minutes

1-3 days

Time to transfer balances

2-5 days

7-14 days

Required documents

None

ID, pay stubs

Initial APR

16%

0-16%

APR in 12 months

14%

26%

Gauss

Balance transfer fee, assuming $5k balance

$0

$150-$250

Financial terms like interest rates are for illustration purposes only. Actual terms may differ.

Auto payoff new balances on the card

Keep using current cards and get card rewards

APR goes down over time

One bill for all cards

Rewards for timely payoff

Improved credit score

Unlikely

Most likely