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

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).

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.

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.

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.

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 assesses 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.