Capital One Quicksilver
Capital One
No annual feeCash BackNo foreign feeMastercardUsually needs 670+
View issuer offerComparison 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%. They share a 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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Overview
Citi Double Cash
Citi
No annual feeCiti ThankYou Points3% foreign feeMastercardUsually needs 670+
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Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Capital One Entertainment
- Capital One Quicksilver
- 5%
- Citi Double Cash
- 2x
Everything else
- Capital One Quicksilver
- 1.5%
- Citi Double Cash
- 2x
| Category | Capital One Quicksilver | Citi Double Cash |
|---|---|---|
| Capital One Entertainment | 5% | 2x |
| Everything else | 1.5% | 2x |
Issuer travel portals 6 categories — only earned when you book through that issuer’s portal
Capital One Travel - Hotels
- Capital One Quicksilver
- 5%
- Citi Double Cash
- —
Capital One Travel - Rental Cars
- Capital One Quicksilver
- 5%
- Citi Double Cash
- —
Capital One Travel - Vacation Rentals
- Capital One Quicksilver
- 5%
- Citi Double Cash
- —
Citi Travel - Attractions
- Capital One Quicksilver
- —
- Citi Double Cash
- 5x
Citi Travel - Hotels
- Capital One Quicksilver
- —
- Citi Double Cash
- 5x
Citi Travel - Rental Cars
- Capital One Quicksilver
- —
- Citi Double Cash
- 5x
| Category | Capital One Quicksilver | Citi Double Cash |
|---|---|---|
| Capital One Travel - Hotels | 5% | — |
| Capital One Travel - Rental Cars | 5% | — |
| Capital One Travel - Vacation Rentals | 5% | — |
| Citi Travel - Attractions | — | 5x |
| Citi Travel - Hotels | — | 5x |
| Citi Travel - Rental Cars | — | 5x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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