Dedicated comparison page
Capital One Quicksilver Cash Rewards vs Citi Strata Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Capital One
Capital One Quicksilver Cash Rewards is a cashback card from Capital One with no annual fee, earn a $200 cash bonus, 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.
by Citi
Citi Strata Card is a cashback card from Citi with no annual fee, 20,000 bonus points after $1,000 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.
| Metric | Capital One Quicksilver Cash Rewards | Citi Strata Card |
|---|---|---|
| Annual Fee | None | None |
| Reward Rate | 1.5% | 5.0% |
| Signup Bonus | Earn a $200 cash bonus | 20,000 bonus points after $1,000 in 3 months |
| Foreign Transaction Fee | None | 3.0% |
| Recommended Credit | Fair to good credit | Fair to good credit |
| Rewards Summary | Earn elevated rewards with 1.5% on Other, plus 1.5% on other purchases. | Earn elevated rewards with 5% on Travel-portal, 3% on Gas and 3% on Groceries, plus 1% on other purchases. |
Its strongest earning category is Other at 1.5%, backed by 1.5% on general spending. 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.
Its strongest earning category is Travel-portal at 5%, backed by 1% on general spending.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
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.
Capital One Quicksilver Cash Rewards has the lowest published starting credit range in this comparison at 640.
Capital One Quicksilver Cash Rewards has the lowest annual fee in this comparison at no annual fee.