Quicksilver from Capital One vs. Citi Double Cash Card | finder.com

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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The Capital One® Quicksilver® Cash Rewards Credit Card and the Citi® Double Cash Card have one major difference — reward value in time; specifically, Capital One® Quicksilver® Cash Rewards Credit Card offers a signup bonus and slightly lower cashback rate. To match these rewards, you’ll need to spend $30,000 with the Double Cash. Everything you earn beyond that beats the Quicksilver.

Before you choose, make sure to compare all other perks and benefits to find the right card for your needs.

Another cashback card

Chase Freedom Unlimited®

  • Earn 3% cash back on all purchases made within your first year up to $20,000; after that, earn unlimited 1.5% cash back on all purchases.
  • Use a 0% intro APR period on purchases and balance transfers in your first 15 months; a variable APR of 16.99% – 25.74% applies thereafter.
  • No annual fee.
  • No cash back redemption minimum.
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Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Citi® Double Cash Card

Citi® Double Cash Card

finder.com's rating
finder.com's rating

★★★★★

4.2 / 5.0

★★★★★

3.4 / 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

$150 cash back after spending $500 in the first 3 months

N/A

Rewards
Rewards

1.5% cash back on all purchases

1% cash back when you make purchases and 1% cash back when you pay off your card

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 15 months, and then 16.24%, 22.24% or 26.24% variable

15.99% to 25.99% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

APR: 0% intro APR for 15 months, then 16.24% to 26.24% variable

Fee: 3% of the transaction

APR: 0% intro APR for 18 months, then 15.99% to 25.99% variable

Fee: $5 or 3% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 26.24% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 27.24% 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 $39 Up to $39
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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
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Which card should you choose?

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • No annual fee
  • $150 cash bonus when you spend $500 on purchases in the first 3 months
  • 1.5% cash back on all purchases
  • Long intro APR for purchases and balance transfers

The Capital One® Quicksilver® Cash Rewards Credit Card is a strong cashback card, offering 1.5% back on all purchases. That’s less than you’ll earn with the Citi® Double Cash Card. However, you’ll earn a $150 signup bonus if you spend $500 on purchases within the first 3 months of card membership — a benefit its counterpart doesn’t offer.

Citi® Double Cash Card

Citi® Double Cash Card

  • No annual fee
  • Long intro APR on purchases and balance transfers
  • Earn 1% cash back when you make purchases
  • Earn an additional 1% cash back when you pay off your card

The Citi® Double Cash Card is one of the very best cashback products you’ll find, with an excellent rewards rate on all purchases. As long as you pay off your purchases, you’ll earn a better cashback rate than you would with the Quicksilver® from Capital One®. The card doesn’t come with a signup bonus. However, Citi periodically offers a strong balance transfer intro APR.

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.
Capital One® Quicksilver® Cash Rewards Credit Card vs. Chase Freedom Unlimited®

Compare cashback credit cards

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% intro for the first 12 months (then 14.99% to 24.99% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
15.99% to 25.49% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 25.99% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
14.99%, 19.99% or 24.99% variable
$0
Earn $200 cash back when you spend $500 within 90 days after account opening.

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