Capital One Quicksilver Secured Cash Rewards vs. Citi Double Cash®

Side-by-side comparison · Updated 2026 · Independently reviewed

Capital One logo
Capital One Quicksilver Secured Cash Rewards
Capital One
4.5

1.5% cash back on every purchase. No annual fee. $200 minimum deposit.

Full review →
Citi logo
Citi Double Cash®
Citi
4.6

2% cash back: 1% when you buy, 1% when you pay.

Full review →
WealthSpott Verdict

Citi Double Cash® wins on more measurable categories — particularly annual cost. Capital One Quicksilver Secured Cash Rewards may still win for your wallet depending on your spending patterns.

Feature
Capital One Quicksilver
Citi Double Cash®
Annual Fee
$0
$0
Sign-up Bonus
None
None
Rewards Rate
1.5% on all purchases
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
None
0% for 18 months
Regular APR
29.99%
19.24%-29.24% Variable Best
Foreign Transaction Fee
—
Yes
Recommended Credit Score
No credit or rebuilding
670-850
Capital One Quicksilver Secured Cash Rewards
Full review
Citi Double Cash®
Pros
  • 0% APR for 18 months on purchases and balance transfers
  • 2% cash back (1% + 1%)
Cons
  • No bonus categories
Full review

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