Capital One Quicksilver vs Citi Double Cash
Citi Double Cash pays $117 a year more than Capital One Quicksilver, year one and every year after.
Both cards, the same math, for a family that spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else.
$551Capital One Quicksilver · year one
Pays more$668Citi Double Cash · year one
Side by side
The terms are each issuer’s own, verified on the date in the table. The math below them is our engine’s, for a family that spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else.
Where the gap comes from
The widest line is groceries: Capital One Quicksilver +$144, Citi Double Cash +$192, $48 in favour of Citi Double Cash.
No single spending line from $0 to $5,000 a month, with the rest unchanged, changes which card pays more every year.
Where the numbers came from: Capital One’s page for the Capital One Quicksilver, verified October 2, 2026, and Citi’s page for the Citi Double Cash, verified October 2, 2026. The method is on how we pick.
Our math counts what the data holds: earn rates, the bonus, credits and fees. Each card’s own page lists its plain facts. Confirm the current offer with the issuer before you apply.
Where these cards show up
- Capital One QuicksilverCapital One · for one card on everything, 1.5x
- Citi Double CashCiti · for one card on everything, 2x
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
- Citi Double Cash vs Chase Freedom UnlimitedCiti Double Cash pays $81 a year more than Chase Freedom Unlimited, year one and every year after.
- Wells Fargo Active Cash vs Citi Double CashCiti Double Cash pays $100 more in year one, then the two pay the same.