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Capital One Quicksilver Cash Rewards Credit Card vs. Citi® Double Cash Card

Two excellent credit cards with unlimited cash back on all purchases.

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Kevin Joey Chen
Updated .
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Capital One and Citi both have excellent flat-rate cashback cards, but these products differ in important respects.

While both have a $0 annual fee, the Citi® Double Cash Card offers higher potential rewards: 1% cash back on all purchases and another 1% as you pay them off. Meanwhile, the Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on all purchases. Capital One’s card is superior for a signup bonus — its competitor doesn’t have one — and Citi’s product wins for balance transfers.

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Terms apply, see rates & fees

Citi® Double Cash Card

Citi® Double Cash Card

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.2 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Easy-to-earn signup bonus and flat cash back on all purchases
  • Highest unlimited cash back
Welcome offer
Welcome offer

$200 cash bonus after you spend $500 on purchases within 3 months from account opening

N/A
Rewards
Rewards

Earn unlimited 1.5% cash back on every purchase, every day and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)

Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Purchase APR
Purchase APR

0% intro APR for 15 months, and then 19.24% - 29.24% variable

18.24% to 28.24% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 15 months (then 19.24% to 29.24%) 3% fee on the amounts transferred within the first 15 months variable

0% intro APR for 18 months (then 18.24% to 28.24%) Intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) variable
Cash advance
Cash advance

APR: 29.24% variable

Fee: $3 or 3% of the transaction, whichever is greater

APR: 28.24% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None 3% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $41
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 23 days
Minimum interest
Minimum interest $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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What’s next?

If you value a signup bonus, the Capital One Quicksilver Cash Rewards Credit Card might be the right choice. But if you want stronger rewards over time — and a balance transfer intro APR — consider the Citi® Double Cash Card.

Not sure about either product? There are many other cashback cards to choose from that you can compare below.

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