Two excellent credit cards with unlimited cash back on all purchases.
The Quicksilver® from Capital One® and the Citi® Double Cash Card have one major difference — reward value in time; Specifically, Quicksilver® from Capital One® 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.
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Quicksilver® from Capital One®
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Citi® Double Cash Card
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|---|---|
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★★★★★ 4.2 / 5.0 |
★★★★★ 3.4 / 5.0 |
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$150 cash back after spending $500 in the first 3 months
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None |
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1.5% cash back on all purchases |
1% cash back when you make purchases and 1% cash back when you pay off your card
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0% intro APR for 15 months, and then 16.24%, 22.24% or 26.24% variable |
0% intro APR for 18 months, and then 15.74% to 25.74% variable |
| $0 | $0 |
|
APR: 0% intro APR for 15 months, then 16.24% to 26.24% variable Fee: No balance transfer fees for the first 10 days, then 3% of the transaction |
APR: 0% intro APR for 18 months, then 15.74% to 25.74% variable Fee: No balance transfer fees for the first 4 months, then $5 or 3% of the transaction, whichever is greater |
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APR: 26.24% variable Fee: $10 or 3% of the transaction, whichever is greater |
APR: 27.49% variable Fee: $10 or 5% of the transaction, whichever is greater |
| None | 3% of each transaction |
| Up to $38 | Up to $35 |
| $0 | |
| 25 days | 23 days |
| $0.50 | |
| 670 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
Quicksilver® from Capital One®
- No annual fee
- $150 signup 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 Quicksilver® from Capital One® 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
- No annual fee
- Intro APR on balance transfers for the first 18 months
- 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 Quicksilver® from Capital One® 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.
Quicksilver® from Capital One® vs. Chase Freedom Unlimited®
