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Capital One® Quicksilver® Cash Rewards Credit Card vs Citi® Double Cash Card – 18 month BT offer

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4.5/5.0 from 787 Offer Ratings
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Best For Earning 1.5% on all purchases, every day with no annual fee. Earning cash back twice on every purchase.
Foreign Exchange Fee None 3%
Rewards Rate Details 1.5% Cash Back on every purchase, every day 1% cash back when you buy and 1% cash back as you pay for those purchases
Annual Fee $0 $0*
Card Details Capital One® Quicksilver® Cash Rewards Credit Card Details Citi® Double Cash Card – 18 month BT offer Credit Card Details

Comparison Summary

CompareCards Matchup: Capital One® Quicksilver® Cash Rewards Credit Card vs. Citi® Double Cash Card – 18 month BT offer Showdown

The Capital One® Quicksilver® and the Citi® Double Cash credit cards seem very similar at first glance, so are difficult to compare. For example, they both have no annual fee and a balance transfer fee. However, there are notable differences between the two. Like the Chase Freedom® and Bank of America® Cash Rewards Credit Card, these particular credit cards are for the cash-back aficionado.

Unless you are someone who never travels overseas and spends and pays off at least $20,000 on your card yearly, the Capital One® Quicksilver® Cash Rewards Credit Card will benefit you more.

Matchup: Capital One® Quicksilver® Cash Rewards Credit Card vs. Citi® Double Cash Card – 18 month BT offer

Capital One® Quicksilver® Signup Bonus vs. Citi® Double Cash Cash-Back Rewards

  • While the Citi® Double Cash Card – 18 month BT offers 1% cash back when you buy and 1% cash back as you pay for those purchases, the Capital One® Quicksilver® Cash Rewards Credit Card card offers a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. There is no outright sign up bonus of the Citi® Double Cash, making the Capital One® card the clear winner in this category. Winner: Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash-Back vs. Citi® Double Cash Cash-Back

  • If you do plan on spending $20,000 or more within your first year, you’ll next want to compare cash-back rewards. The Capital One® Quicksilver® Cash Rewards Credit Card card offers 1.5% cash back on every purchase, every day, versus the two-staged rewards system of the Citi® Double Cash Card – 18 month BT offer card. However, if you aren’t someone who can pay off your card regularly, the cash back of the Capital One® card will benefit you more than the rewards from the Citi® Double Cash card. Winner: Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Usability vs. Citi® Double Cash Usability

  • While both cards are relatively user-friendly, the Capital One® Quicksilver® Cash Rewards Credit Card has no foreign transaction fee, as opposed to the Citi® Double Cash card’s 3% fee. If you’re on the fence, the ability to use your credit card overseas could be the tiebreaker. Winner: Capital One® Quicksilver® Cash Rewards Credit Card

Which Cash Back Credit Card is Better?

Unless you are someone who never travels overseas and spends and pays off at least $20,000 on your card yearly, the Capital One® Quicksilver® Cash Rewards Credit Card will benefit you more. With this card, your cash back rewards are not contingent on how much you’ve paid off, and you’ll get a nice sign up bonus up front. In this matchup, the Capital One® Quicksilver® Cash Rewards Credit Card wins.

Expert Review

CompareCards: Capital One® Quicksilver® Cash Rewards Credit Card Quick Review

  • Best For: Earning cash-back rewards
  • Annual Fee: $0
  • Balance Transfer Fee: 3%

The Capital One® Quicksilver® Cash Rewards Credit Card is best for earning cash-back rewards. With a $0 annual fee and no foreign transaction fee, this credit card is rated amongst the top competitors of the cash-back credit cards. With 1.5% cash back on every purchase, every day, it is very easy to gather rewards with this card compared to the rotating category cards.

Pros of the Capital One® Quicksilver® Cash Rewards Credit Card:

  • Great for people who want a no fees, high earning card.
  • Great for people who prefer cash back rather than travel rewards.
  • Great for people who want to earn a fast cash bonus.

Cons of the Capital One® Quicksilver® Cash Rewards Credit Card:

  • Not for people interested in a long-term card.
  • Not for people who spend a lot on bonus categories like gas and groceries
  • Thus, not great for people who prefer spending based on a rotating bonus schedule

What is the Best Way to Use the Capital One® Quicksilver® Cash Rewards Credit Card?

The best way to use the this card is to use it on all of your general purchases, esspecially because you earn a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. Since there is no rotating bonus schedule, you don’t have to worry about lining up your spending with certain categories. So, you can start collecting your cash back on every purchase right away. 

For example, if you spend $1,000 in your first 3 months, you’ll earn $15 in cash back in addition to the big sign up bonus. That’s a lot of cash back with very minimal effort.

Is the Capital One® Quicksilver® Cash Rewards Credit Card for You?

This card is a great baseline cash-back credit card. It will work well with most people’s lifestyles, especially since it has no foreign transaction fee. You’ll easily build rewards with the 1.5% cash back on every purchase, every day. Plus, earning the one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

CompareCards: Citi® Double Cash Card – 18 month BT offer Quick Review

  • Best For: Unlimited cash-back rewards
  • Annual Fee: $0*
  • Balance Transfer Fee: 3%

The Citi® Double Cash Card offers a unique twist to their cash-back reward feature. You get 1% cash back when you buy and 1% cash back as you pay for those purchases. This much cash back overall for every purchase is very unique to this card, so if you pay off your Citi Double Cash Card back every month, it can become a very powerful card in the long run.

Pros of the Citi® Double Cash:

  • Great for people who don’t like rotating bonus categories.
  • Great for people who like simple cash back rewards programs.
  • Great for people who want to earn unlimited rewards.

Cons of the Citi® Double Cash:

  • Not for people who want travel rewards.
  • Not for people interested in balance transferring or overseas travelling.
  • Not for people who like spending based on rotating bonus categories.

What is the Best Way to Use the Citi® Double Cash Card – 18 month BT offer?

Aside from a 3% foreign transaction fee, there are really no rules for using this card. You’ll simply get 1% cash back when you buy and 1% cash back as you pay for those purchases. With an intro APR of 0%* for 18 months on Balance Transfers*, responsible usage of your card will earn you higher cash-back rewards than with many other cards. 

For example, the first $1,000 you spend and pay off on anything will earn you 2,000 points, equaling $20. Since this card has no quarterly category stipulations, you are completely unlimited on how to earn your points.

Is the Citi® Double Cash Card – 18 month BT offer for You?

As long as you don’t plan on using this card oversees, this card will work great for you. With the extra cash back per dollar once your balance is paid off and the advantage of no rotating categories, this card is one of the simplest options for earning cash back.

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of Larry Hanson

By: | Apr 16, 2016

Have 2 Capitol 1 accounts, both changed over to cash back by them when cash back first started. Both also had the bonus added. Don't know of any other company that would do that on someone who already had their cards. Fantastic company. They didn't have to do that, did they!?!