How's Gauss different?

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

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

14%

0-12%

APR in 12 months

12%

24%

Gauss

Balance transfer fee (assuming $5k balance)

0

$150+

Annual fee

$0

$50+

Auto payoff new balances on the card

Access to high APY savings

Keep using current cards and get card rewards

APR goes down over time

One bill for all cards

Keep balances off credit report

Rewards for timely payoff

Improved credit score

Unlikely

Most likely