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

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3.7/5.0 from 111 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% of each purchase transaction in U.S. dollars
Rewards Cap No Cap No Cap
Rewards Rate Details Unlimited 1.5% cash back on every purchase, every day 1% cash back when you buy + 1% cash back when you pay
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 vs. Citi Double Cash 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 3% balance transfer fee. However, there are notable differences between the two. Like the Chase Freedom and BankAmericard Cash Rewards Card, these particular credit cards are for the cash-back aficionado.

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

Matchup: Capital One Quicksilver vs. Citi Double Cash

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

  • While the Citi Double Cash card offers 1% cash back plus another 1% for paying it off, the Capital One Quicksilver card offers $100 as a signup bonus when you spend $500 in the first 3 months. So, even if you earn the potential 2% for using and paying off your Citi Double Cash card, you’ll have to spend at least $20,000 the first year in order for your rewards to equal the $100 bonus from the Capital One card. Winner: Capital One Quicksilver

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 card offers 1.5% on every purchase, versus the 1% per purchase plus an additional 1% after payoff of the Citi Double Cash card. However, if you aren’t someone who can pay off your card regularly, the 1.5% cash back of the Capital One card will benefit you more than the 1% without payoff of the Citi Double Cash card. Winner: Capital One Quicksilver

Capital One Quicksilver Usability vs. Citi Double Cash Usability

  • While both cards are relatively user-friendly, the Capital One Quicksilver 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 oversees could be the tiebreaker. Winner: Capital One Quicksilver

Which Cash Back Credit Card is Better?

Unless you are someone who never travels oversees and spends and pays off at least $20,000 on your card yearly, the Capital One Quicksilver 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 $100 easily within the first 3 months. In this matchup, Capital One Quicksilver wins.

Expert Review

CompareCards: Capital One Quicksilver Review

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

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

Pros of the Capital One Quicksilver:

  • 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:

  • 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 Credit Card?

The best way to use the Capital One Quicksilver card is to use it on general purchases up to $500 total within the first 3 months to ensure your $100 signup bonus. 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 1.5% cash back on every purchase right away. 

For example, if you spend $1,000 in your first 3 months, you’ll earn 1,500 points (equal to $15) plus $100 cash back. That’s $115 with very minimal effort.

Is the Capital One Quicksilver Cash Rewards 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 program. Plus, earning $100 for spending only $500 is pretty easy.

CompareCards: Citi Double Cash Card 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% back when you make any purchase, and another 1% back when you pay it off. 2% 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 Credit Card?

Aside from a 3% foreign transaction fee, there are really no rules for using this card. You’ll simply get 1% cash back on every dollar you spend, plus another 1% when you pay it off. With 0% APR for the first 15 months, 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 for You?

As long as you don’t plan on using this card oversees, this card will work great for you. With a potential 2% cash back per dollar (once 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!?!