{"app_store_id":6445810443,"slug":"gauss-payoff-credit-card-debt-6445810443","name":"Gauss: Payoff Credit Card Debt","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/86/4e/03/864e0359-e59a-67cf-d4b3-bced9c4db7c0/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/gauss-payoff-credit-card-debt/id6445810443?uo=4","price":0,"currency":"USD","rating":4.93501,"rating_count":4385,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-19T07:48:33Z","updated_at":"2026-10-19T11:40:11.800Z","stale":false,"missing_since":null,"one_liner":"Finance app for managing credit card bills, balance transfers, cash flow, budgets and debt payoff plans in one place.","verified_maker":false,"maker_site":null,"file_size_bytes":184519680,"minimum_os":"16.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/29/22/ca/2922caca-df8e-b688-bee2-ee1d18b98494/fbd85b45-0034-4ae2-89e4-b8acf65a7a4f_671.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/ba/32/6e/ba326ede-3b57-4051-9313-0049c0f4afd1/004c18a4-f417-4bd0-b25b-1d5b6b327b07_2.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/96/34/d6/9634d66d-0ebd-f5ee-91d9-cb6322c74d4d/39a97743-e322-441c-a702-184efc2eefda_641.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/e0/05/c7/e005c726-8ba4-79e1-cd40-b12cb7a466ef/839a99f2-aa63-438f-bbfc-ad3b708636b7_3.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/68/8a/1d/688a1daa-b00c-94f3-ae45-90324cc1f6d6/5635095f-8950-4923-9cc9-d9d9f0eee32e_4.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/eb/c6/32/ebc63209-36e9-54f2-08dc-f5f6738c540b/4a6584fd-fa08-482e-885c-0bd5c34ce4c1_637.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/52/c4/3f/52c43f36-92e8-849b-961e-dad016087b94/6d79bba5-bf89-4f3b-a044-1d69780a1457_5.jpg/392x696bb.jpg"],"developer_name":"Gauss Rewards LLC","editors_choice":null,"url":"https://apptierlist.com/apps/gauss-payoff-credit-card-debt-6445810443/","api_url":"https://apptierlist.com/api/v1/apps/gauss-payoff-credit-card-debt-6445810443","schema_version":"1.0","generated_at":"2026-10-20T09:58:13.055Z","data_as_of":"2026-10-20T06:30:12.097Z","description":"Experience the smartest way to manage and pay off credit cards. We’ve helped users pay off millions in credit card debt.\n\nMOVE BALANCES OFF EXPENSIVE CARDS\n\nInstantly transfer up to $15k from high interest credit cards to a low APR credit line. Pay off balances much faster and save hundreds of dollars on interest charges. Instant approval, soft credit check. See Details section for more information.\n\nCREDIT BUILDING\n\nBoost your credit with Gauss Credit Builder. You'll get a credit line reporting to major bureaus that helps you build positive credit history, even with no credit or low scores. No credit check, fast initial reporting.\n\nPAYROLL ADVANCE\n\nSend Gauss money directly to your credit cards and protect yourself from late fees. Repay Gauss with your next payroll. See the Details section for more information.\n\nPERSONALIZED AI ASSISTANT\n\nGet unbiased recommendations for new loans and cards. Track credit reports and receive actionable advice to improve your credit score. Negotiate existing debt with your lenders. Ask AI to set smart budgets that help you pay off debt faster. Make the right financial decision every time.\n___________________\n\nALL YOUR CREDIT CARDS IN ONE APP\n\nDifferent due dates, minimum payments, separate logins, APRs, and balances can be hard to keep up with. Easily manage all of your credit card bills from a single app.\n\nTRACK YOUR CASH FLOW\n\nConnect your accounts to see all income, expenses, and transactions in one place. Understand spending by category, monitor cash retention, and find unused subscriptions.\n\nSEE YOUR DEBT FREE DATES & RECOMMENDED PAYMENTS\n\nSee the exact month your debts will be fully paid based on your monthly contributions. Increase your contributions to move your debt-free dates up with our recommended payments.\n\nAUTOMATED SNOWBALL AND AVALANCHE PAYOFF TACTICS\n\nChoose a plan and let the app handle the rest. We’ll automate the process of following one of the 2 most popular debt payoff strategies.\n\nGRAPH YOUR MONTHLY PROGRESS\n\nVisualize your progress and watch your net worth grow as you pay off debt. Stay motivated as you see your total debt decrease while your financial health strengthens.\n\nSMART BUDGETING\n\nEasily set and track monthly budgets to pay off debt faster and save more. Use personalized budget recommendations based on your data. See a clear snapshot of your monthly spend broken out by category and get alerts when you’ve gone over budget. Track your progress with everything graphed out in your dashboard for easy monitoring.\n\nDATA SAFETY\n\nWe never sell or share your data. We use 256-bit encryption and bank-level protection via Plaid for read-only connections. You can disconnect anytime. \n___________________\n\nDETAILS\n\nGauss products and services are available to Gauss members. Membership fees covering credit products start at only $4.99/month.\n\nA low APR Gauss Credit Line for balance transfers requires prime FICO scores. 14-18% variable APR (which is the same as interest rate; changes with prime rate) is charged on your Gauss Line balance. There’s no balance on Gauss Line until your cards are actually paid. We never charge interest on interest. The service is available in certain states; check if your state is supported in the first steps of onboarding in the app. Eligibility criteria and terms apply.\n\nA 0% APR payroll advance Gauss Spot is available in certain states. Eligibility criteria and terms apply.\n\nThe app and user support is only available in English.\n\nGauss is not affiliated with Capital One, Chase, Wells Fargo, Affirm, Klarna, Credit Karma, Mint, Rocket Finance, Kickoff, Petal, Extra, Stellarfi, Truebill, Earnest, Earnin, Current, Chime, Varo, Albert, Brigit, Dave, Klover, Empower, Tally, MoneyLion, Bright Money, Monarch, Experian boost, Kovo, Sable, YNAB, Everydollar, Ava, Grid money.","facts":{"developer_id":1673921471,"developer_url":"https://www.gauss.money","first_released":"2023-04-18T07:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"1.6.68","release_notes":"Bug fixes and improvements.","rating_current_version":4.93501,"rating_count_current_version":4385,"star_counts":null,"genres":["Finance","Productivity"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-19T11:40:11.800Z","catalog_read_at":null,"reviews_checked_at":null,"summary_written_at":"2026-10-19T06:22:11.802Z","placed_at":"2026-10-18T04:55:12.120Z","scored_at":"2026-10-20T06:30:12.097Z"},"editorial":{"one_liner":"Finance app for managing credit card bills, balance transfers, cash flow, budgets and debt payoff plans in one place.","what_is":"Gauss is a free-to-download finance app that lists balance transfers to a low APR credit line, a credit builder line, a payroll advance, and an AI assistant. It also includes tools to track multiple credit cards, connected accounts, budgets, and snowball or avalanche payoff plans. The listing says Gauss products are available to Gauss members.","good_for":["Moving balances from high interest credit cards","Managing several credit card due dates in one app","Following a snowball or avalanche debt payoff plan"],"pricing":"Gauss: Payoff Credit Card Debt is free to download on the App Store.","faq":[{"q":"Is the app free to use?","a":"The app is free to download. The listing says membership fees covering credit products start at $4.99/month. No in-app purchases are listed."},{"q":"Does using Gauss affect my credit score?","a":"The listing says balance transfers involve instant approval with a soft credit check, and Credit Builder has no credit check. A low APR credit line requires prime FICO scores. Not stated on the App Store for other effects on credit."},{"q":"How does the app access my bank accounts?","a":"It uses Plaid for read-only connections, 256-bit encryption, and bank-level protection. It states that data is never sold or shared and that you can disconnect anytime."}],"model":"claude-haiku-5-5","created_at":"2026-10-19T06:22:11.802Z"},"memberships":[{"list":"debt-payoff","list_name":"debt payoff","list_status":"active","list_url":"https://apptierlist.com/best/debt-payoff/","position":5,"tier":"A","score":81.6,"components":{"rating":98.7,"votes":76.4,"rank":51.4,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-18T04:55:12.120Z"},{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":19,"tier":"C","score":80.8,"components":{"rating":98.7,"votes":76.4,"rank":48,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-18T04:55:12.120Z"}],"main_list":"debt-payoff","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":162400,"at":"2026-10-18T10:27:11.692Z","kind":"tier_changed","list":"debt-payoff","app_store_id":6445810443,"app":"gauss-payoff-credit-card-debt-6445810443","from":null,"to":"A","reason":"score 68.8 to 81.6","job":"rescore"},{"id":161755,"at":"2026-10-18T09:27:11.705Z","kind":"tier_changed","list":"credit-building","app_store_id":6445810443,"app":"gauss-payoff-credit-card-debt-6445810443","from":"D","to":"C","reason":"rank shift: #19, score 80.8, tier full (a quarter of the list)","job":"rescore"},{"id":155559,"at":"2026-10-18T05:36:11.800Z","kind":"tier_changed","list":"credit-building","app_store_id":6445810443,"app":"gauss-payoff-credit-card-debt-6445810443","from":null,"to":"D","reason":"score 68.8","job":"rescore"},{"id":154486,"at":"2026-10-18T04:55:12.120Z","kind":"membership_added","list":"debt-payoff","app_store_id":6445810443,"app":"gauss-payoff-credit-card-debt-6445810443","from":null,"to":"active","reason":"The app's name and pitch are about paying off credit card debt by moving balances to a low APR line and paying down faster.","job":"shadow"},{"id":154485,"at":"2026-10-18T04:55:12.120Z","kind":"membership_added","list":"credit-building","app_store_id":6445810443,"app":"gauss-payoff-credit-card-debt-6445810443","from":null,"to":"active","reason":"Gauss Credit Builder gives a credit line that reports to major bureaus, with no credit check, and is marketed as a core feature.","job":"shadow"},{"id":149516,"at":"2026-10-18T01:33:11.606Z","kind":"app_added","list":null,"app_store_id":6445810443,"app":"gauss-payoff-credit-card-debt-6445810443","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"debt-payoff","list_name":"debt payoff","status":"active","review_status":"checked","position":5,"tier":"A","score":81.6,"components":{"rating":98.7,"votes":76.4,"rank":51.4,"recency":100},"ranks":[{"country":"us","rank":4}],"verdicts":[{"verdict":"keep","reason":"The app's name and pitch are about paying off credit card debt by moving balances to a low APR line and paying down faster.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-18T04:55:12.120Z","attempts":1,"current":true},{"verdict":"keep","reason":"Its core purpose is paying off credit card debt faster. It does this by moving balances to a low-APR line, managing all cards in one place and setting AI budgets for payoff.","verifier":"list check","decided_at":"2026-10-18T04:55:12.120Z","attempts":1,"current":true}]},{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":19,"tier":"C","score":80.8,"components":{"rating":98.7,"votes":76.4,"rank":48,"recency":100},"ranks":[{"country":"us","rank":21}],"verdicts":[{"verdict":"keep","reason":"Gauss Credit Builder gives a credit line that reports to major bureaus, with no credit check, and is marketed as a core feature.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-18T04:55:12.120Z","attempts":1,"current":true},{"verdict":"keep","reason":"It offers a dedicated Gauss Credit Builder credit line that reports to the major bureaus. 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