Which card has a lower annual fee, Capital One Quicksilver Cash Rewards Credit Card or Citi Double Cash Card?

The Capital One Quicksilver Cash Rewards Credit Card has no annual fee, compared to $0 for the Citi Double Cash Card.

Which card earns more cash back, Capital One Quicksilver Cash Rewards Credit Card or Citi Double Cash Card?

The Capital One Quicksilver Cash Rewards Credit Card earns 1.5% base cash back, while the Citi Double Cash Card earns 2.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Capital One Quicksilver Cash Rewards Credit Card better than the Citi Double Cash Card?

It depends on your spending. If you spend more on categories where the Capital One Quicksilver Cash Rewards Credit Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Capital One Quicksilver Cash Rewards Credit Card vs Citi Double Cash® Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Capital One Quicksilver Cash Rewards Credit Card (no annual fee) and the Citi Double Cash® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Capital One Quicksilver Cash Rewards Credit Card

Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. Earns a solid 1.5% on everything else.

Annual fee: None Sign-up bonus: $200 after $500 spend in 3 months Foreign fees: 0%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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Citi Double Cash Card

Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.

Annual fee: None Sign-up bonus: $200 after $1,500 spend in 6 months Foreign fees: 3%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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Head-to-Head Comparison

Feature	Capital One Quicksilver Cash Rewards Credit Card	Citi Double Cash Card
Annual Fee	$0	$0
Sign-Up Bonus	$200 after $500 spend in 3 months	$200 after $1,500 spend in 6 months
Foreign Transaction Fee	0%	3%
Base Reward Rate	1.5%	2%
Rates with conditions not counted in the rows above	5% through Capital One Travel Earns 5% only on hotels and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns the flat 1.5%.	5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%.
Key Benefits	Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings.	Unlimited 2% cash back on all purchases.

The Verdict

Citi Double Cash Card wins on travel, dining, groceries, gas.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.