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

Quicksilver® from Capital One® vs. Citi® Double Cash Card

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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.

Quicksilver® from Capital One®

Quicksilver® from Capital One®

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
None
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

0% intro APR for 18 months, and then 15.74% to 25.74% 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: 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

Cash advance
Cash advance

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

Foreign transaction fee
Foreign transaction fee None 3% of each transaction
Late payment fee
Late payment fee Up to $38 Up to $35
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
Learn more
Learn more

Which card should you choose?

Quicksilver® from Capital One®

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

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®

Compare cashback credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
17.24% to 25.99% variable
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
15.24%, 19.24% or 25.24% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
Earn unlimited 1.5% cash back on your purchases
15.24% to 26.24% variable
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases.
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
15.24% to 26.24% variable
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & 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
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases
18.49% to 25.49% variable
$0
Earn 3% cash back on travel and entertainment and 2% at restaurants on the first $1,000 spent on purchases each billing cycle (then 1%). Earn 1% on all other purchases.

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