Capital One Quicksilver vs.
Citi Double Cash

Citibank and Capital One are not the same company. They are completely independent companies, offering different products, operating separate rewards programs, and operating out of headquarters more than 200 miles from each other. Plus, Citi uses the ticker symbol "C" on the stock market, while Capital One trades under "COF."

Citibank and Capital One do have some things in common, however. Perhaps most notably, both are among the largest and most popular credit card companies, offering a variety of credit cards designed for different levels of credit experience and spending habits.

You can easily compare Citi credit cards and Capital One credit cards on WalletHub to find the best option for your needs.

Capital One is better than Citi because it offers credit cards to a wider range of customers in addition to savings accounts with no service fees or minimum deposits. Capital One also has a better credit card rewards program than Citi, according to WalletHub's latest Credit Card Rewards Study. Capital One ranks higher than Citi in the most recent J.D. Power Credit Card Satisfaction Study, too.

Still, it's worth mentioning that Citi is the 4th largest bank...

The biggest disadvantage of the Citi Double Cash® Card is that it has a high APR, at 17.74% - 27.74% (V). As a result, carrying a balance on the Citi Double Cash® Card is very expensive, but you can avoid this drawback if you pay your bill in full every month. That way, you won't owe any interest.

Citi Double Cash Card Disadvantages

• High APR: The Citi Double Cash Card has a relatively high APR, at 17.74% - 27.74% (V).
• Balance transfer fee: The balance transfer fee is 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer.
...

The advantages of Capital One include competitive interest rates on bank accounts, lucrative credit card rewards, and good ratings from customers and the BBB. The disadvantages include limited access to branch locations, high credit card APRs, and the fact that it doesn't offer money market accounts or mortgages. Capital One is one of the biggest banks in the U.S. but still has some flaws.

Top Capital One Bank Advantages and Disadvantages in 2025

The Capital One Quicksilver credit limit depends on your income, creditworthiness and payment history, which are evaluated once you apply for the card. According to anecdotal reports, the card's credit limit can be as low as $750 and as high as $10,000. However, Capital One does not list a minimum or maximum credit limit in the card's terms and conditions.

If you want to aim for a higher credit limit, there are a number of areas...

The best Citi Double Cash Card benefits are virtual account numbers and identity theft protection. The Citi Double Cash® Card also has identity theft protection and contactless chip technology, which are more common perks across Citibank credit cards.

Citi Double Cash Card Benefits

• Virtual account numbers
• Identity theft protection
• Contactless chip technology
• Account activity alerts
• Zero liability fraud protection

In addition to these benefits, the Citi Double Cash Card comes with a $0 annual fee and offers rewards...

The Citi Double Cash® Card credit score requirement is good credit or better.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Citi Double Cash Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you excel in other areas, you might be able to get approved with a slightly lower credit...

The best Capital One Quicksilver (see details, rates & fees) benefits are rental car insurance and extended warranty. The Capital One Quicksilver Cash Rewards Credit Card (see details, rates & fees) also has identity theft protection and $0 fraud liability for unauthorized use, which are more common perks across Capital One credit cards. For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Capital One Quicksilver (see details, rates & fees) Benefits

• Extended warranty*
• Identity theft protection
• $0 fraud liability for unauthorized use
• Price protection*
• Roadside assistance*
• Rental car insurance*
• Concierge services
• Virtual card numbers

* Terms,...

According to WalletHub editors, applicants with a credit score of around 700 may have better chances of being approved for the Capital One Quicksilver Cash Rewards Credit Card (see details, rates & fees). That means people with good credit have a shot at getting approved for the Capital One Quicksilver (see details, rates & fees).

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Capital One Quicksilver (see details, rates & fees). Some other key criteria include your income, existing debt load, recent credit inquiries, number...

Yes, you can get pre-approved for the Citi Double Cash® Card. Citibank has an online pre-approval page where you can quickly check your odds of approval for certain Citibank cards before you apply for one.

You may also receive pre-approved offers from Citibank by e-mail or when logging into your card account. Citibank may also mail you pre-approved offers for a specific card.

Getting pre-approved for a Citi Double Cash Card indicates that your chances of being approved for an account...