Dedicated comparison page

Capital One Quicksilver Cash Rewards vs Citi Premier Card

Capital One Quicksilver Cash Rewards vs Citi Premier Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCapital One Quicksilver Cash RewardsNo annual fee
Highest reward rateCapital One Quicksilver Cash Rewards1.5%
Lowest starting credit rangeCapital One Quicksilver Cash Rewards640+

Quick Take

Capital One Quicksilver Cash Rewards

by Capital One

Apply Now

Capital One Quicksilver Cash Rewards is a cashback card from Capital One with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

  • $200 bonus after $500 in 3 months
  • No foreign transaction fee
Read full review →

Citi Premier Card

by Citi

Apply Now

Citi Premier Card is a travel card from Citi with a $95 annual fee, 60,000 points after $4,000 in 3 months, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 3% on Travel
  • 60,000 points after $4,000 in 3 months
  • No foreign transaction fee
Read full review →

Side-by-Side Facts

MetricCapital One Quicksilver Cash RewardsCiti Premier Card
Annual FeeNone$95
Reward Rate1.5%1.0%
Signup Bonus$200 bonus after $500 in 3 months60,000 points after $4,000 in 3 months
Foreign Transaction FeeNoneNone
Recommended CreditFair to good creditGood to excellent credit
Rewards SummaryEarn 1.5% on general spending.Earn elevated rewards with 3% on Dining, 3% on Gas and 3% on Groceries, plus 1% on other purchases.

Who Should Pick Which Card?

Capital One Quicksilver Cash Rewards

It keeps the value proposition simple with 1.5% on everyday purchases. It also avoids foreign transaction fees.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • $200 bonus after $500 in 3 months
  • No annual fee to offset rewards
  • No foreign transaction fee

Tradeoffs

    Citi Premier Card

    Its strongest earning category is Travel at 3%, backed by 1% on general spending. It also avoids foreign transaction fees.

    Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

    Pros

    • 60,000 points after $4,000 in 3 months
    • Potentially worthwhile if you use the card enough to cover the $95 annual fee
    • Earns 3% on Travel
    • Earns 3% on Dining

    Tradeoffs

    • Annual fee of $95 means you need ongoing value from the card
    • Typically requires good to excellent credit
    • Signup bonus requires $4000 in spending within 3 months
    • Base rewards on non-bonus spending are relatively modest

    Frequently Asked Questions

    What is the main difference between Capital One Quicksilver Cash Rewards and Citi Premier Card?

    The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

    Which card is easier to qualify for?

    Capital One Quicksilver Cash Rewards has the lowest published starting credit range in this comparison at 640.

    Which card has the lowest annual fee?

    Capital One Quicksilver Cash Rewards has the lowest annual fee in this comparison at no annual fee.