MMatchYourSaaS
Head-to-head · 🇺🇸 United States

Citi Double Cash vs Capital One Quicksilver

Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.

US
Citi
Citi Double Cash
Wins 3 of 10
US
Capital One
Capital One Quicksilver
VISA
Wins 1 of 10
Verdict

Citi Double Cash wins 3-1. Set-it-and-forget-it 2% on everything Capital One Quicksilver is still the right call if no-fee, no-thinking 1.5% on everything..

Side-by-side

CriterionCiti Double CashCapital One Quicksilver
Annual fee
=
No annual fee
=
No annual fee
Joining fee
=
None
=
None
Top reward rate
2% (general)
·
1.5% (general)
Base reward rate
2%
·
1.5%
Forex markup
·
3%
No FX fee
Welcome bonus
=
$200 cash back after spending $1,500 in first 6 months
=
$200 cashback after $500 in first 3 months
Fee waiver threshold
=
N/A (no fee)
=
N/A (no fee)
Min income
=
—
=
—
Min credit score
=
670
=
670
Editorial rating
4.5/5
·
4.4/5
Apply for Citi Double Cash Apply for Capital One Quicksilver

Benefits compared

Citi Double Cash

  • 1% cash back when you buy + 1% when you pay
  • No annual fee
  • No category restrictions or rotating bonuses
  • 0% intro APR on balance transfers for 18 months
  • Convert cash back to ThankYou Points (transferable to airline partners)

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

FAQ

›Citi Double Cash vs Capital One Quicksilver: which is better?

Citi Double Cash wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.

›Can I get both?

Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Double Cash for its best categories, Capital One Quicksilver for its best categories. Just watch the combined annual fees against your spend.

›Which one has the better welcome bonus?

Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Capital One Quicksilver: $200 cashback after $500 in first 3 months.