Citi Simplicity® vs. Capital One Quicksilver Secured Cash Rewards

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

Citi logo
Citi Simplicity®
Citi
4.3

0% intro APR for 21 months on balance transfers. No late fees ever.

Full review →
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 →
WealthSpott Verdict

Citi Simplicity® wins on more measurable categories — particularly annual cost. Capital One Quicksilver Secured Cash Rewards may still win for your wallet depending on how you spend.

Feature
Citi Simplicity®
Capital One Quicksilver
Annual Fee
$0
$0
Sign-up Bonus
None
None
Rewards Rate
0%
1.5% on all purchases
Rewards Type
None
Cash Back
0% Intro APR
0% for 12 months
None
Regular APR
18.49%-28.99% Variable Best
29.99%
Foreign Transaction Fee
Yes
—
Recommended Credit Score
670-850
No credit or rebuilding
Citi Simplicity®
Pros
  • 0% intro APR for 21 months on balance transfers
  • No annual fee
  • No late fees — ever
Cons
  • No rewards program
  • 3% foreign transaction fee
  • Purchase APR intro only 12 months
Full review
Capital One Quicksilver Secured Cash Rewards
Full review

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