Here’s how to choose between two excellent cashback cards.
If you’ve narrowed your choices to the Quicksilver® from Capital One® and Citi® Double Cash Card, you have two very good options. Both cards come with great rewards and no annual fees.
Capital One’s card offers a signup bonus. Meanwhile, Citi’s contender offers better rewards and an intro APR on balance transfers.
Another cashback card
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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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Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
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None |
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Earn 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 |
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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 15.74% to 25.74% variable Fee: $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 |
| 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 of 15 months on 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®