Citi Premier vs Capital One Quicksilver
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Quicksilver wins 3-1. No-fee, no-thinking 1.5% on everything. Citi Premier is still the right call if travel + dining + groceries combined — broader 3x than sapphire preferred..
Side-by-side
| Criterion | Citi Premier | Capital One Quicksilver |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (travel) | · 1.5% (general) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 ThankYou points after $4,000 in 3 months | = $200 cashback after $500 in first 3 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Citi Premier
- 3x ThankYou points on travel (incl. gas)
- 3x on dining
- 3x on supermarkets
- Transferable to 16 airline partners
- $100 annual hotel credit
- No foreign transaction fees
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 Premier vs Capital One Quicksilver: which is better?
Capital One Quicksilver 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 Premier 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 Premier: 60,000 ThankYou points after $4,000 in 3 months. Capital One Quicksilver: $200 cashback after $500 in first 3 months.