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Credit Cards

Best Credit Cards With A 840 To 850 Credit Score // For Excellent Credit


By Mark Huntley, J.D.

Real estate investor, lawyer, personal finance writer, and Co-Founder of Credit Knocks


Advertiser Disclaimer - Some links on this page may pay us advertising fees.



Summary: We review multiple credit card options for people with an excellent credit score between 840 and 850. 

Get Our #1 Rated Credit Card for Excellent Credit

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Chase Sapphire Preferred® Card

  • 60,000 bonus Miles spend 4K In 3 months
  • 2X points on travel and dining  worldwide
  • Points worth 25% more w/travel redemp

Take Card On Trips With Zero Foreign Transaction Fees! 

You can relax if you are looking for a credit card with a excellent credit score of 840 to 850 because you have a bunch of options. 

When choosing a credit card, you will want to pay close attention to the APR rate and if there are any annual fees.

With an excellent credit score around 841, 843, 845, 847 or 849, you will also be able to consider credit cards that offer such perks as travel miles, cash back, student rewards, and business rewards. 

You have to be careful when choosing a rewards card because many of them will have higher APR rates and annual fees to offset the cost of the rewards given.

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Best Credit Cards With A 840 To 849 Credit Score

Understanding what each of the fees and rewards actually means to you will better help you compare each of the cards to one another.  

We will review the APR rates, annual fees, reward opportunities, and give you all the information you need to decide on the best credit card for a credit score around 842, 844, 846, or 848. 

Keep in mind that your credit card options won't change much by a few credit score points, so if you have a 842, 844, 846, or 848 credit score, you will qualify for the same cards, as if you had a 841, 843, 845, 847 or 849 credit card credit score. 

If you are looking for the best deals on an auto loan, personal loan, home mortgage loan, or credit card for a credit score between 840 to 849, check out one of these articles. Click on your credit score: 840 credit score, 841 credit score, 842 credit score, 843 credit score, 844 credit score, 845 credit score, 846 credit score, 847 credit score, 848 credit score,  849 credit score, or 850 credit score

Disclaimer: "Credit score" refers to FICO score in this article. If you have a different score (i.e., VantageScore), that does not likely equal your FICO. For example, a 850 VantageScore could equal any FICO score... 691, 726, 812? At one point my TransUnion VantageScore was 130 points lower than my lowest FICO score! Who knows? You can find out for sure by  getting your FICO score here.

Credit Card

Regular APR

Annual Fee

Learn More

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Capital One® Venture® Rewards Credit Card 

Read  Our  Review

13.74% - 23.74% 

Variable

$0

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Chase Sapphire Preferred® Card

Read  Our  Review

17.49% - 24.49%

Variable

$95.00

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Chase Freedom Unlimited®

Read  Our  Review

16.49% - 25.24%

Variable

$0 

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Capital One® Spark® Cash Select for Business

Read  Our  Review

14.74% - 22.74%

Variable

$0

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Journey® Student Rewards from Capital One®

Read Our Review

26.99%

Variable

$0

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Petal® Visa® Credit Card

Read Our Review

14.49% - 25.49%

Variable

$0

How To Choose A Credit Card With 850 Credit Score

Before choosing a credit card with a excellent credit score around 841, 843, 845, 847 or 849, you will want to look closely at the terms, rates, and fees. 

It is excellent to know how do credit cards work

Generally, if the APR rate is higher, there is a zero annual fee, or if there is a fee, it will be very low. 

However, if the APR rate is low, then there is usually a higher annual fee. 

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840 Credit Score Credit Card & 841 Credit Score Credit Card

Credit card companies want to be sure they get paid for giving you a revolving loan whether you use it or not, one way they do that is by issuing cards with a high APR or Annual fee.

Knowing what to look out for will help you make a more informed decision on the best credit card for someone with a credit score near 842, 844, 846, or 848 range.

APR Rates 

The annual percentage rate, better known as the APR rate, is the amount you pay in interest (including fees) when you use your credit card. 

You can compare APR rates between credit card offers and know that, for the most part, you are comparing apples to apples. 

The lower the APR interest rate of the card, the less money you will have to pay in interest.

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Keep in mind that some credit cards come with a six month or 12 month introductory APR rates of zero percent. 

However, that number may skyrocket into the high 20% once the introductory period is over. 

Annual percentage rates for credit cards with a 850 credit score may be variable which means that they will adjust up and down based on the market prime rate. 

Be sure to read the entire Truth In Lending and understand all the rates and fees before deciding on the best credit card for you. 

Annual Fees

Some credit card companies will charge an annual fee that will be automatically added to your account balance each year.  

This fee doesn't entitle you to any additional services or give you added protection, it is merely a cost of having and using that credit card. 

There is no reason for you to choose a card with an annual fee unless the interest rates are extremely low or the rewards offered are ones you will regularly use.

Annual fees generally run from zero to $99, but in some instances can cost in the thousands. 

Quick Note:


Be sure to compare all 'no annual fee' credit card offers because some charge much higher APR rates.

Don't worry, none of the credit cards discussed have annual fees over the norms, but I wanted to point out that you need to look closely at the fees associated with each card.  

As discussed in the section above, annual fee rates tend to act like a teeter-totter with APR rates, the higher the annual fee, the lower the APR rate and vice-a-versa. 

Before selecting a card with an annual fee, be sure that you are getting a really low APR rate or some awesome rewards with your new credit card.

Get Our #1 Rated Credit Card for Excellent Credit

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Chase Sapphire Preferred® Card

  • 60,000 bonus Miles spend 4K In 3 months
  • 2X points on travel and dining  worldwide
  • Points worth 25% more w/travel redemp

Take Card On Trips With Zero Foreign Transaction Fees! 

Best Reward Credit Card For 850 Credit Score

Rewards credit cards can be fun and give you great savings on products and services that you regularly use. 

Credit card rewards programs are all different; some of the most popular offer you a flat percentage of cashback on all purchases.

However, these percentages tend to be lower in the 1% range. 

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842 Credit Score Credit Card & 843 Credit Score Credit Card

Where you can really save money and take advantage of your rewards card is if you can find one that offers you a higher percentage cash back on stuff you buy all the time. 

That is why no one rewards card is suitable for everyone. 

Below we discuss the different types of rewards programs available and suggest the credit cards that you should qualify for with a excellent credit score between 840 and 850.

Cash Back Rewards

The most popular rewards card and easiest to understand is the cashback rewards cards. 

These cards have programs to give you a percentage of cash back based on the criteria. 

Some of these rewards programs give you a small cash back percentage on everything you purchase.

While other reward programs will offer a much higher percentage on select purchases, such as Groceries, Clothing, or Gas. 

The cash back credit usually will be available on your account dashboard online and can be used to make purchases from a catalog or applied to your account balance. 

Most dashboards allow you to set up an automatic sweep of the monthly cashback and have it applied to your account balance. 

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844 Credit Score Credit Card & 845 Credit Score Credit Card

Keep in mind that choosing a credit card with a high cashback percentage may also come with a higher APR rate. 

Be sure that it makes financial sense to choose that credit card over a lower APR rated card without the high rewards. 

Remember, if you don't use those rewards regularly, you are just paying a higher APR rate and getting nothing in return. 

Top Rated Cash Back Credit Card for Excellent Credit

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Chase Freedom Unlimited®

  • NO Annual Fee
  • 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months 

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months!

Low Interest / No Annual Fee

Recently we have seen rewards cards that advertise a 'No Annual Fee' with low APR rates. 

I know what I said above about low annual fees usually equate to higher APR's, but in this case, there are a few credit cards that offer low APR's too. 

Most of the low interest credit cards offer an introductory rate of 0% for 6 to 18 months and then that APR rate will rise to a set amount above prime. 

From a genuine financial standpoint, if you can find a credit card with no annual fees and super low APR rates for a credit score between 840 and 850, jump on it! 

Best No Annual Fee Credit Card for Excellent Credit

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Capital One® VentureOne® Rewards Credit Card

  • $0 annual fee Or foreign transaction fees
  • Earn 1.25X Miles On Every Purchase
  • 0% intro APR on purchases for 12 months

Bonus of 20,000 miles once you spend $1,000 on purchases within 3 months!

Travel Miles

Travel rewards credit cards allow you to earn miles as a reward for using your credit card. 

These cards are great if you travel a lot or use hotels regularly, as many of these cards offer double, triple and even 5x the miles for using their card to make travel related purchases. 

Pay close attention to the promotions and special purchase rewards of each card and try and choose one that gives bonus miles for purchases that you already regularly make.

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846 Credit Score Credit Card & 847 Credit Score Credit Card

The miles and rewards that you collect using your travel rewards credit card can be used to purchase airline tickets and vacation packages. 

Many people love their travel rewards credit card because they are able to go on vacation a couple of times a year for next to nothing by just using their credit card regularly. 

With a excellent credit score you qualify for the very best of travel rewards cards and you can check out your options here!

Best Travel Credit Card for Excellent Credit

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Chase Sapphire Preferred® Card

  • 60,000 bonus Miles spend 4K In 3 months
  • 2X points on travel and dining  worldwide
  • Good Credit OK

Take Card On Trips With Zero Foreign Transaction Fees! 

Balance Transfer

If you have a credit score between 840 and 850 you should qualify for a credit card that offers zero introductory APR rates that can be used for balance transfers. 

Having credit cards with high and low APR rates in your purse or wallet is fairly common. 

If you apply for a credit card that offers a zero introductory APR for 6 -18 months you can transfer the balances from higher interest rate credit cards to the new low APR card.

This can save you thousands of dollars a year if you carry over high balances on your credit cards from month to month. 

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848 Credit Score Credit Card & 849 Credit Score Credit Card

Keep an eye out for the cards balance transfer fee, some cards can charge as much as 5% of the balance of the card to transfer it to the new one.

Best Balance Transfer Credit Card for Excellent Credit

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Chase Freedom Unlimited®

  • NO Annual Fee
  • 1.5% cash back on all purchases.
  • 0% Intro APR Balance Transfers 15 months

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months!

Student Credit Card Rewards

If you are a student, you may qualify for one of a few special student credit cards specifically designed for you. 

Student credit cards usually have incentives for you to make payments on time with regular credit limit increases for meeting payment goals. 

They also offer cashback rewards for items a student may be more in line with purchasing, such as movie tickets, fast food, or school supplies. 

Many of these student credit cards also offer a more comprehensive credit education program with free credit counseling included with your services. 

If you are a student, it makes a lot of sense to take advantage of the extra rewards and services offered with a student credit card.

Top Student Credit Card for Excellent Credit

Best Credit Card For A 840 841 842 843 844 845 846 847 848 849 850 Credit Score

Journey® Student Rewards from Capital One®

  • NO Annual Fee
  • 1% Cashback
  • Good Credit OK

Get access to a higher credit line after making first 5 monthly payments on time

Business Rewards

You may want to consider a business credit card if you are a small business owner. 

Business credit cards are a great way to earn rewards points, miles, or cashback on everyday business expenses.

These rewards can be redeemed for free travel, cash back, gift cards, or merchandise. 

They are a great way to begin to build business credit that can help you easier qualify for future business loans like an SBA.

Best Business Credit Card for Excellent Credit

Best Credit Card For A 790 791 792 793 794 795 796 797 798 799 Credit Score

Capital One® Spark® Cash Select for Business

  • Build Business Credit
  • 1.5% Cashback All Purchases
  • NO Annual Fee

Free employee cards, which also earn unlimited 1.5% cash back.

Take Action!

Hopefully, you found this article on the best credit cards for a 840 to 850 credit score helpful. 

Having a excellent credit score opens up a lot of options, including multiple rewards cards. 

Weighing out the value of the rewards to the APR and annual fees is the only way to find the best credit card for you. 

850 Credit Score Credit Card

When in doubt, I would suggest choosing the credit card with a no annual fee because even if you don't love the card once you get it, it didn't or won't ever cost you anything. 

If you apply for a credit card for a excellent credit score and get denied, consider applying for one of our top recommended good credit credit cards

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