Faster Card Debt Payoff
Placid Money is now Gauss Money!
Gauss money
Earn Back on Card Debt
12% 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

How it works

Earn rewards and better credit terms over time.
New balances can be moved to the line automatically.
Use cards normally and repay the line once a month.
Pay off card balances right away from a low APR credit limit.
Run a soft credit check.
Connect credit cards via Plaid.
Gauss users are saving on credit cards
Sarah Lewin
They made my cards cheaper for real ⭐⭐⭐⭐⭐
Connected my credit cards to a credit line from Gauss. they payoff more expensive balances, I don't ev en have to think about it and it's amazing, I just use the cards and no worries about balances, I know I'm always covered with the best deal. Oh also - no overdrafts! they actually texted me there's not enough money in my checking and all good.
Samuel Willson
Good for multiple credit cards ⭐⭐⭐⭐⭐
Wow!!! I came across this app & I'm very impressed. Good for multiple credit cards. extra $$ on top of monthly minimum exactly what I do and struggle with in my banking bill pay…. really helps with bill pay. more importatnly - paid off over $4k on cards with 18% APR and move to Gauss for 14%! Looking forward to other features.
Alex Larkins
Pretty Epic ⭐⭐⭐⭐⭐
I normally don’t write reviews let alone regarding an app from the Apple store. That being said, I was very cautious when I originally came across Placid - mainly being that they appear to be a newer company. When I first applied I thought it was cool they conduct a soft pull on your credit not altering your score! I did have to wait about a day for an update on the approval process. When reaching out to CX they were a tad slow but very helpful for sure, love that you can message them instantly in the app. Wish there was a phone service you could call in on (possible future suggestion). When approved they do hold up to the low APR advertised (which is wicked nice given a lot of credit card company’s advertise an intro rate but never really applies to most after they do a hard pull). I started off small with a Citi Bank transfer which took my 24.24% APR to 14%. This app is real and super helpful. Thinking about possibly doing further business and transferring other cards in the future. Keep up the great app, Placid, excited to see how you guys grow in the future.
Amelia Smith
Too good to be true? ⭐⭐⭐⭐⭐
SO the deal is they gave me $350 to cover bills. and I can pay later with one payment. convenient. BUT the real deal is that I only pay like $200 per month. so free credit for another $150 ANF bill pay. didn't ask for fico! probably cheked it though cause soft pull. I mean if it all works it's seriously too good to be true, but hey already made the first card payment for me as advetized, so fingers crossed.
Jason Williams
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!
James Miller
Great app ⭐⭐⭐⭐⭐
I never leave reviews but this app is a great app the concept is a very good idea n the customer service team is always there to help they are quick to find solutions n always are ready to help with a problem. I have had no problems in using the app everything is very smooth and convenient. Great app keep up the good work.

No Transfer Fees.
No Prepayment Fees.

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    Just launched!
    * 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

    Copyright 2022. All rights reserved.