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Card comparison · Capital One vs Citi

Capital One Quicksilver vs Citi Double Cash

The Capital One Quicksilver ($0 annual fee) ranks #140 and the Citi Double Cash ($0) ranks #35 of the 294 credit cards we score. Here they are side by side, from our card database.

By YourBest Editorial Team · Card data as of October 21, 2026 · How we score cards

Side by side

Capital One QuicksilverCiti Double Cash
IssuerCapital OneCiti
Annual fee$0$0
Welcome offerEarn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Rewards
  • Unlimited 1.5% back on all purchases
  • 1% cash back when you buy, plus 1% as you pay (2% total) on all purchases
Intro APRpurchases 15 months · balance transfers 15 monthsbalance transfers 18 months
Ongoing APR18.74%–28.74%18.49%–28.74%
Balance transfer feeIntroductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.3% ($5 minimum)
Foreign transaction fee——
Our overall score51 (#140 of 294)62 (#35 of 294)
Cash back ranking#47 of 70#9 of 70
0% intro APR ranking#23 of 46not in this list
Apply nowApply now

Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.

Which one fits you

  • Higher overall score: Citi Double Cash (62 vs 51). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
  • Same annual fee: $0 on both.
  • Cash back: Citi Double Cash ranks higher in our cash back ranking (#9 vs #47 of 70).
  • 0% intro APR: only Capital One Quicksilver is in our 0% intro APR ranking (#23 of 46).
  • 0% intro APR on purchases: Capital One Quicksilver (15 months; Citi Double Cash has none in our data).
  • Balance transfers: Citi Double Cash has the longer intro period (18 months vs 15).

How we compared them

Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.

Frequently asked questions

Is the Capital One Quicksilver better than the Citi Double Cash?

By our overall score the Citi Double Cash ranks higher (62 vs 51), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.

Which has the lower annual fee, Capital One Quicksilver or Citi Double Cash?

Both list $0.

What are the welcome offers on the Capital One Quicksilver and Citi Double Cash?

Capital One Quicksilver: Earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Citi Double Cash: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Offers change often; terms apply.

Which is better for everyday categories like dining, groceries or travel?

Cash back: Citi Double Cash ranks higher in our cash back ranking (#9 vs #47 of 70). 0% intro APR: only Capital One Quicksilver is in our 0% intro APR ranking (#23 of 46).

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