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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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

Rates & Fees

Citi® Double Cash Card

Citi® Double Cash Card

Rates & Fees

finder.com's rating
finder.com's 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

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

N/A

Rewards
Rewards

1.5% cash back on all purchases

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 15.49%, 21.49% or 25.49% variable

13.99% to 23.99% variable

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

0% intro APR for 15 months, then 15.49% to 25.49% variable

0% intro APR for 18 months, then 13.99% to 23.99% variable

Cash advance
Cash advance

APR: 25.49% variable

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

APR: 25.24% 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 $40
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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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

  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
  • Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
  • Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.

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.

Compare cashback credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 12.99% to 23.99% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
CardMatch™ from creditcards.com
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See issuer's website
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Blue Cash Preferred® Card from American Express
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 12.99% to 23.99% variable)
$95
6% cash back at US supermarkets. Rates & fees

Compare up to 4 providers

Compare more cashback credit cards

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