Capital One Quicksilver vs Citi Double Cash®
Side-by-side comparison
| Capital One Quicksilver | Citi Double Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash bonus | $200 cash back |
| Dining | 1.5x | 2x |
| Groceries | 1.5x | 2x |
| Gas | 1.5x | 2x |
| Travel | 1.5x | 2x |
| Streaming | 1.5x | 2x |
| Everything else | 1.5x | 2x |
| Est. yearly rewards* | $437 | $583 |
| Points type | Pools with Capital One → transferable | Pools with Citi → transferable |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Capital One Quicksilver earns about $437 a year in rewards and the Citi Double Cash® about $583, valuing every point at a flat 1 cent. The Capital One Quicksilver has no annual fee, so its rewards are all profit. The Citi Double Cash® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Citi Double Cash® delivers more total value, about $146 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Capital One for the Capital One Quicksilver, Citi for the Citi Double Cash®. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi Double Cash® if your spending leans toward dining, groceries, gas.