Capital One Quicksilver vs. Citi Double Cash: Double Cash Goes the Distance

With more ongoing value, the Citi Double Cash slightly edges out its opponent.
Melissa Lambarena
By Melissa Lambarena 
Updated
Edited by Erin Hurd

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If you prefer simplicity and an all-purpose credit card, the Citi Double Cash® Card or Capital One Quicksilver Cash Rewards Credit Card can check those boxes.

The distinguishing factor between both lies in the way they deliver value. The Citi Double Cash® Card outshines its competitor with a more substantial ongoing rewards rate on all purchases and a longer get-out-of-debt offer. As a runner-up, the Capital One Quicksilver Cash Rewards Credit Card packs a few introductory offers that can make it valuable in the beginning, but the ongoing rewards fall short.

Here’s how to determine which one is right for your spending.

How the cards compare
Capital One Quicksilver Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Citi® Double Cash Card
Citi Double Cash® Card
Apply now

on Citibank's application

Rates & Fees
Annual fee
$0
$0
Sign-up bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards

Earn 5% on hotels and rental cars booked through Capital One Travel; 1.5% cash back on all other purchases.

Earn 2% cash back on all purchases: 1% when you buy and 1% when you pay the bill.

APR

0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies.

0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 19.24%-29.24% Variable APR .

Foreign transaction fee
0%
3%
Still not sure?

Why the Citi Double Cash® Card is better for most people

The Citi Double Cash® Card wins by a small margin. It offers more long-term value than the Capital One Quicksilver Cash Rewards Credit Card.

Rewards

The Citi Double Cash® Card earns a solid 2% cash back rate on all purchases: 1% when you buy and 1% when you pay off the balance. It goes further than the 1.5% rewards rate offered on the Capital One Quicksilver Cash Rewards Credit Card.

Assuming you pay off the bill, it’s easy enough to earn the full rewards rate on the Citi Double Cash® Card. Compare the potential value earned in rewards with each card:

Citi Flex Pay Option

The Citi Double Cash® Card comes with the Citi Flex Pay option, which allows you to put large purchases on your credit card and pay them off over a set timeframe with a fixed interest rate and payment plan. You could use this option to save on interest charges, and you don’t have to apply or undergo a credit check. As of November 2023, the Capital One Quicksilver Cash Rewards Credit Card doesn’t currently offer this type of ongoing option.

Balance transfers

The Citi Double Cash® Card has a longer window to pay down debt. New cardholders get a 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 19.24%-29.24% Variable APR. It charges a low introductory balance transfer fee: 3% of the amount transferred or $5 (whichever is greater), for transfers completed within the first four months of account opening and a 5% fee or $5, whichever is greater, after that.

Why some might prefer the Capital One Quicksilver Cash Rewards Credit Card

While the Citi Double Cash® Card offers more long-term value, the Capital One Quicksilver Cash Rewards Credit Card can offer incentives to new cardholders who make purchases after opening the account.

Introductory offers

Unlike the Citi Double Cash® Card, the Capital One Quicksilver Cash Rewards Credit Card offers new cardholders breathing room on purchases and a way to defray the cost. New cardholders can get a 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies. The standard offer also includes a sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. In comparison to other card offers, this spending requirement is reasonable and more attainable.

🤓Nerdy Tip

Although the Citi Double Cash® Card has not traditionally offered a sign-up bonus, the card currently has this offer in effect: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

No foreign transaction fees

On cash-back credit cards, this feature holds less weight, but it can save you money while using the card abroad. The Capital One Quicksilver Cash Rewards Credit Card doesn’t charge any foreign transaction fees. By comparison, the Citi Double Cash® Card charges 3% on every international transaction.

Which card should you get?

The Capital One Quicksilver Cash Rewards Credit Card can offer some valuable perks in the beginning, but the better option with long-lasting value is the Citi Double Cash® Card. You can use it get out of debt or snag a decent rate on all purchases. As a flat-rate credit card, the Citi Double Cash® Card also pairs well with other high-earning rewards credit cards, so you can squeeze even more rewards out of your purchases.

Travel Cards from Our Partners
Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
5.0
NerdWallet Rating
Rewards rate

1.5%-5%

Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Cashback

Intro offer

Up to $300

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
4.7
NerdWallet Rating
Rewards rate

2x-5x

Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

Miles

Intro offer

75,000

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Miles
See more travel cards

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