Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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

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

Avatar
Kevin Joey Chen
Updated
Fact checked
Please note: Citi is an advertising partner of finder.com

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

One-time $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

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 14.99% to 24.99% 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 14.99% to 24.99% variable

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

APR: 24.99% 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 $40 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

Read review

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.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site