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Comparison brief

Capital One Quicksilver vs. Citi Double Cash

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Both are $0-annual-fee cards with a reputation as simple flat-rate earners, but they don't pay the same flat rate. Quicksilver earns 1.5% on everyday spend; Double Cash earns 2%. Where they line up exactly is a shared 5x rate on hotels and other travel booked through each bank's own travel portal — and neither card unlocks transfer partners on its own.

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