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

Updated: June 25, 2024

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Both the Capital One Quicksilver Cash Rewards Credit Card and the Citi Double Cash® Card offer enticing cash back rewards and no annual fees, appealing if you value straightforward earning potential. In the face-off, the Quicksilver card edges ahead with its lower required spend for the welcome bonus and a 0% introductory APR on purchases, which the Citi Double Cash lacks.

But the Citi Double Cash Card's higher cash back rate on all purchases makes it a strong contender, especially for those who prefer a simple rewards structure. Your decision may hinge on whether you value a welcome bonus and introductory purchase APR (Quicksilver) or a higher overall cash back rate (Citi Double Cash).

Credit Card logo for Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Credit Card logo for Citi Double Cash® Card
Citi Double Cash® Card
MoneyGeek Rating
4.5/ of 5
MoneyGeek Rating
4.5/ of 5

  • Regular APR
    19.99% - 29.99% variable
    19.24% - 29.24% variable
    0% APR Offer
    0% for 15 months on purchases
    Intro Offer
    Earn $200 Cash Back
    Earn $200 Cash Back
    Rewards Summary
    Earn unlimited 1.5% cash back
    Earn 1%–5% cash back
    Balance Transfer Offer
    0% for 15 months on balance transfers
    0% for 18 months on balance transfers
    Balance Transfer Fee
    3% for the first 15 months
    5% of each transfer ($5 minimum)
    Annual Fee
    Recommended Credit
    670-850 (Good to Excellent)
    670-850 (Good to Excellent)
    Penalty APR
    Up to 29.99% (Variable)
    Not sure?

Which Card Is Better for You?

You might prefer the Quicksilver if you're looking for a card that offers a substantial cash bonus with a relatively low spending requirement. Its 0% intro APR on purchases and balance transfers can be particularly useful for managing new expenses. And if you travel internationally, you'll benefit from no foreign transaction fees and exclusive travel booking rewards.

You might prefer the Citi Double Cash if maximizing cash back is your top priority. With an effective 2% cash back rate on all purchases, it stands out if you want simple yet rewarding cash back earnings. If you're considering a balance transfer, the longer 0% intro APR period could provide the extra time you need to pay down debt without accruing interest.

Head-to-Head Comparison: Card Details and Features

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. This section breaks down each aspect, such as the Quicksilver's lower required spend for its welcome bonus versus the Citi Double Cash's higher cash back rate, to guide your choice.

    discount icon

    Regular APR: Citi Double Cash

    The Citi Double Cash offers a slightly more favorable regular APR range, starting at 19.24% and capping at 29.24%, compared with the Quicksilver's range of 19.99% to 29.99%.

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    Annual Fee: Tie

    Both the Quicksilver and the Citi Double Cash have no annual fee, making them equally appealing if you're looking to avoid extra costs.

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    Introductory 0% APRs: Quicksilver

    For introductory 0% APR offers, the Quicksilver is better for those seeking both purchase and balance transfer options, offering 0% for 15 months on both, with a 3% balance transfer fee.

    The Citi Double Cash, while offering a longer 0% APR period for balance transfers at 18 months, does not provide a 0% APR on purchases and has a higher balance transfer fee of 5%.

    coins icon

    Rewards: Citi Double Cash

    The Citi Double Cash Card outperforms the Quicksilver in rewards, offering an effective 2% cash back on purchases (1% when you buy plus an additional 1% as you pay for those purchases), compared with Quicksilver's 1.5% cash back on every purchase.

    Both cards offer a limited time 5% cash back on travel booked through their respective portals.

    rewards icon

    Welcome Offers: Quicksilver

    The Quicksilver offers a better welcome bonus, requiring only $500 in purchases within three months to earn $200 cash back, compared to the Citi Double Cash Card's $1,500 requirement over six months for the same $200 cash back.

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    Recommended Credit Score: Tie

    Both the Quicksilver and the Citi Double Cash require a credit score range of 670 to 850, indicating they are accessible to people with good to excellent credit.

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    Penalties and Fees: Quicksilver

    The Quicksilver is better for penalties and fees, offering no foreign transaction fees and no penalty APR. By contrast, the Citi Double Cash has a higher late fee, a penalty APR up to 29.99% (variable), and a 3% foreign transaction fee.

    points icon

    Issuer Satisfaction: Quicksilver

    Capital One edges out the Citi in issuer satisfaction with a rating of 4.2 compared with 4.1.

    airplane icon

    Other Features & Perks: Tie

    Each card provides unique benefits. Quicksilver cardholders enjoy complimentary Uber One membership for up to six months and exclusive 5% cash back on travel booked through Capital One Travel.

    The Citi Double Cash offers valuable travel perks, including additional cash back on bookings made through the Citi Travel portal until December 31, 2024.

Rewards Comparison

The Citi Double Cash edges out the Quicksilver with an effective 2% cash back on all purchases — 1% when you buy and another 1% as you pay for those purchases. This straightforward approach to earning rewards can be more lucrative if you pay off your balances regularly.

The Quicksilver offers a solid 1.5% cash back on all purchases and shines with 5% cash back on hotels and rental cars booked through Capital One Travel, making it a strong contender for frequent travelers.

The bonus categories for each card are shown in the table so you can see how they stack up.

Citi Double Cash

Hotels and Rental Cars Booked Through Issuer Portal

5% when booked through Capital One Travel

5% when booked through Citi Travel portal (through 12/31/24)

All Other Purchases


1% when you buy, plus an additional 1% as you pay

Redeeming Rewards

Both the Quicksilver and Citi Double Cash offer flexible redemption options without expiration as long as the accounts remain open. The Quicksilver allows for redemption in various forms, including statement credits and gift cards, with no minimum amount and the possibility for automatic redemption.

The Citi Double Cash provides cash back via direct deposit, statement credit or check, with additional options for gift cards and travel, ensuring that rewards are accessible and tailored to your preferences.


MoneyGeek evaluates credit cards like Quicksilver and Citi Double Cash based on their performance in various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.

FAQ: Quicksilver vs. Citi Double Cash

What are the cash back rewards for each card?
Do either of the cards offer a 0% intro APR on purchases?
What are the balance transfer fees for these cards?
Which card is better for someone with good credit?
Are there any annual fees for these cards?

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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