Quicksilver vs Citi Double Cash
The Citi Double Cash comes out ahead for all three spending profiles we tested. Below: what each card pays after fees for three spending profiles, the break-even, and a live calculator for your own numbers. Card terms verified Oct 5, 2026.
Simulated results
Five years, welcome offers counted when the profile's own spending reaches them, points valued as cash (Capital One cash back at 1.0¢, Citi points at 1.0¢). Merchant credits like Uber or DoorDash aren't counted for typed profiles; they show up in the break-even instead.
| Profile | Quicksilver: year 1 | then yearly | 5 years | Citi Double Cash: year 1 | then yearly | 5 years |
|---|---|---|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $560 | $360 | $2,000 | $674 | $474 | $2,570 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $830 | $630 | $3,350 | $995 | $795 | $4,175 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,100 | $900 | $4,700 | $1,220 | $1,020 | $5,300 |
The break-even
Everyday spender
Quicksilver trails Citi Double Cash by $114 a year. It has no extra perks we left unpriced that could close that gap.
This flips if Capital One cash back are worth more than 1.32¢ each to you (we're using 1.0¢).
Balanced
Quicksilver trails Citi Double Cash by $165 a year. It has no extra perks we left unpriced that could close that gap.
This flips if Capital One cash back are worth more than 1.26¢ each to you (we're using 1.0¢).
Frequent traveler
Quicksilver trails Citi Double Cash by $120 a year. It has no extra perks we left unpriced that could close that gap.
This flips if Capital One cash back are worth more than 1.13¢ each to you (we're using 1.0¢).
Try it with your spending
Starts from the Balanced profile. Change any number, or drop in your statements; they're read on this device and never uploaded.
The live calculator needs JavaScript. The tables above are precomputed.
The live calculator needs JavaScript. The tables above are precomputed.
Side by side
| Term | Quicksilver | Citi Double Cash |
|---|---|---|
| Issuer and network | Capital One, Mastercard | Citi, Mastercard |
| Annual fee | None | None |
| Requires | Nothing extra | Nothing extra |
| Welcome offer | $200 after $500 in 3 months | $200 after $1,500 in 6 months |
| Earning | 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel · 5% cash back on Capital One Entertainment ticket purchases · 1.5x on everything else | 5x total (2x + 3x extra) on hotels, car rentals and attractions booked through Citi Travel · 2x on everything else |
| Rewards currency | Capital One cash rewards | Citi ThankYou points |
| Statement credits | None | None |
| Lounges | None | None |
| Foreign transaction fee | None | 3% |
| Authorized users | No fee | No fee |
| Availability | Open to new applicants | Open to new applicants |
| Verified | Oct 5, 2026 | Oct 5, 2026 |
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