Head-to-head · 🇺🇸 United States
Capital One Quicksilver vs Citi Custom Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Quicksilver
VISA
Wins 2 of 10
US
Citi
Citi Custom Cash
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Quicksilver | Citi Custom Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 5% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = $200 cashback after $1,500 in 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
Capital One Quicksilver
- 1.5% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No foreign transaction fees
- No annual fee
- 0% intro APR for 15 months
Citi Custom Cash
- 5% cashback in your top eligible spend category each billing cycle (up to $500)
- 1% on everything else
- Eligible categories: restaurants, gas, grocery, travel, etc.
- No annual fee
- 0% intro APR for 15 months
FAQ
›Capital One Quicksilver vs Citi Custom Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Quicksilver wins on 2 criteria, Citi Custom Cash on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Quicksilver for its best categories, Citi Custom Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Quicksilver: $200 cashback after $500 in first 3 months. Citi Custom Cash: $200 cashback after $1,500 in 6 months.