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RATING
2021

Best Business Credit Cards With No Foreign Transaction Fees

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Regular business travelers can use credit cards to earn rewards, get perks at airlines and hotels, and make trips a bit more comfortable on the whole. If you'll be traveling outside the United States, be sure to get a card with no foreign transaction fees so you won't be charged extra. Or, if you regularly make business purchases in a foreign currency without leaving the US, a fee for every transaction will add up to quite a lot.

How We Picked These Cards Is a No Foreign Transaction Fee Business Card Right For You?

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to American Express® Business Gold Card, Marriott Bonvoy Business™ American Express® Card, Delta SkyMiles® Gold Business American Express Card, Capital One Spark Miles for Business, Capital One Spark Miles Select for Business, Capital One Spark Cash Select - $500 Cash Bonus, U.S. Bank FlexPerks® Business Travel Rewards, The Business Platinum Card® from American Express, Capital One Spark Classic for Business, Delta SkyMiles® Reserve Business American Express Card, U.S. Bank Business Leverage® Visa Signature® Card, Delta SkyMiles® Platinum Business American Express Card, and The Hilton Honors American Express Business Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

How We Picked These Cards

Try to find a great no foreign transaction fee card by looking for the following features.

  • Fits your business needs: If your business imports products from outside the U.S. and pays in a foreign currency, you don’t need to be charged extra. Or, if you or your employees travel outside the country, why pay more?
  • A useful rewards program: Find a rewards card with bonus categories that match the types of spending your business typically has.
  • Shopping and travel benefits: High-end travel cards have valuable perks that can make your trips cheaper and more comfortable, although you’ll still get basic protections with other cards.
  • A reasonable annual fee: Annual fees aren’t always bad, as long as you’re getting enough out of the card to make it worth the fee.
  • Good customer support: Many business credit cards provide a specially trained customer support team to deal with the concerns of a small business.

Is a No Foreign Transaction Fee Business Card Right For You?

Figuring out if you need a card without foreign transaction fees is easy.

Will you travel outside the United States? Will you be making purchases in a foreign currency?

If so, a credit card with no foreign transaction fees will save you money compared to other cards.

Traveling abroad can be expensive if you’re using a card that will charge extra for purchases in foreign currency. Many cards will charge up to 3% for those transactions — getting a card without fees is a simple way to avoid this expense.

Most business travel cards won’t charge extra for foreign transactions. Some don’t have annual fees either, giving you a way to make foreign purchases completely for free. Just make sure to contact your issuer to set a travel notice before spending abroad, or else your card may be declined.

There are four credit card issuers that don’t include foreign transaction fees on any of their cards. These issuers are:

If you’re using a credit card and being charged for foreign transactions, this is money you don’t need to spend. Whether you have excellent credit scores or you’re trying to build up your credit, check out the cards on this page to help you save a bit of money from here on out.

Best Pick For...

  • Min. credit levelGood
  • Annual Fee$595 ($695 if application is received on or after 1/13/2022)
  • Purchase APRSee Pay Over Time APR

Rates & Fees

Rewards

If you qualify for a business card, you probably can’t do better than The Business Platinum Card® from American Express (Review) when it comes to travel rewards and benefits.

It has a large annual fee, but it comes with some great redemption options that provide a better value at airlines and hotels.

Spending Rewards
  • 5X Membership Rewards points per dollar on Flights and Prepaid Hotels booked through Amex Travel
  • 2X Membership Rewards points per dollar for other eligible purchases through Amex Travel
  • 1.5X Membership Rewards points per dollar (up to $2 million spent per year) for eligible purchases of $5,000 or more, and eligible U.S. purchases from:
    • Construction material and hardware suppliers
    • Electronic goods retailers and software/cloud system providers
    • Shipping providers
  • 1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
  • 120,000 bonus points for spending $15,000 within the first 3 months
Key Features
  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
  • Up to $200 in airline fee statement credits annually: Good for incidental costs like checked bags and inflight food, not tickets, at your selected airline
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 once every four years) or TSA PreCheck ($85 once every four-and-a-half years)
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • $400 Dell statement credit: Enroll to get up to $400 in annual statement credits for U.S. purchases with Dell: $200 from January through June, and $200 from July through December.
  • $360 in annual statement credits for Indeed: Up to $90 in statement credits per quarter for all Indeed hiring and recruiting products and services
  • Up to $150 in annual statement credits for Adobe: Annual credits for select Adobe products, including Adobe Creative Cloud and Acrobat Pro DC
  • Up to $120 in annual statement credits for wireless services: Up to $10 per month, good for purchases of monthly wireless services made directly from U.S. wireless telephone providers
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
  • Point transfer: To a selection of airline and hotel partners
  • No foreign transaction fee
  • Annual fee: $595 ($695 if application is received on or after 1/13/2022)

Enrollment required for select benefits; terms and limitations apply.

The Business Platinum Card® from American Express (Rates & Fees)

Runners Up2

Delta SkyMiles® Reserve Business American Express Card

Spending Rewards
  • 3X SkyMiles per dollar for eligible purchases made directly with Delta Air Lines
  • 1.5X SkyMiles per dollar on other eligible purchases for the rest of the year after spending $150,000 in a calendar year
  • 1X SkyMile per dollar on other eligible purchases
Introductory Bonus
  • 60,000 bonus miles, 10,000 MQMs, and a $100 statement credit for spending $4,000 in the first 3 months
  • Perks: Delta Sky Club an Centurion Lounge access; Annual Companion Certificate; First checked bag free, Priority Boarding, 20% in-flight discount on Delta flights; Complimentary upgrades; Status Boost; Global Entry/TSA PreCheck fee credit
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $550

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Reserve Business American Express Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

United Club℠ Business Card

Spending Rewards
  • 2X miles per dollar spent on United Airlines purchases
  • 1.5X miles per dollar spent on all other purchases
Introductory Bonus
  • 100,000 bonus miles for spending $10,000 on purchases in the first 3 months

Key Features

  • Perks: United Club membership; Premier Access travel services; first and second checked bags free; 25% in-flight discount
  • Annual fee: $450
View card details

The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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  • Min. credit levelExcellent
  • Annual Fee$0.00
  • Purchase APR0% for 9 billing cycles, then 12.24% - 22.24%
  • Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
Rewards

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is one of the best no annual fee business cards for travelers, but only if you’ll be able to book travel through the Bank of America Travel Center. It doesn’t have jaw-dropping travel perks, but it’s a free way to earn rewards for your spending.

Spending Rewards
  • 3X points per dollar on travel (airline, hotel, car) booked through the Bank of America Travel Center
  • 1.5X points per dollar for every other purchase
Introductory Bonus
  • 30,000 bonus points for spending $3,000 within 90 days of account opening
Key Features
  • Travel protections: Including Travel Accident Insurance, Lost Luggage Reimbursement, and Trip Cancellation Coverage, among others
  • Expense tracking and management: Can track transactions in the MyReport Center, and download data to QuickBooks.
  • Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24%
  • Employee cards: Get an unlimited number of employee cards.
  • Annual fee: $0.00
Runners Up5

Capital One Spark Miles Select for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 1.5X miles per dollar for every other purchase
Introductory Bonus
  • 20,000 miles for spending $3,000 in the first 3 months after account opening

Key Features

  • Perks: Point transfer; Shopping and travel protections
  • Purchase APR: 0% for 9 months, then 13.99% - 23.99% Variable
  • Annual fee: $0
View card details

Capital One Spark Cash Select – $500 Cash Bonus

Spark Cash Select
Spending Rewards
  • 1.5% cash back for all purchases
Introductory Bonus
  • $500 cash bonus for spending $4,500 in the first 3 months after account opening

Key Features

  • Perks: Shopping and travel protections
  • Annual fee: $0
View card details

Discover it® Business Card

Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)

Key Features

  • Purchase APR: See Terms for See Terms, then See Terms
  • Annual fee: $0
View card details

Brex Daily Card

  • Choose either Tech Rewards, Life Sciences Rewards, or Remote Workforce Rewards
  • Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
  • Expense management and receipt reconciliation tools
  • Point transfer: At a 1:1 rate to select airline loyalty programs
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
View card details

Brex 30 Card

  • Choose either Tech Rewards, Life Sciences Rewards, or Remote Workforce Rewards
  • Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
  • Expense management and receipt reconciliation tools
  • Point transfer: At a 1:1 rate to select airline loyalty programs
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
View card details
Flat-Rate Rewards

Capital One Spark Miles for Business

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  • Min. credit levelGood
  • Annual Fee$0 intro for first year; $95 after that
  • Purchase APR20.99% (Variable)
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✔® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
Rewards

If you don’t like bothering with different credit cards for different kinds of purchases, a flat-rate card might be what you need.

The Capital One Spark Miles for Business (Review) offers the same rate for everything you buy, with no limit. That’ll cover any and all travel expenses, and any other business purchases on the horizon. This could be a good card to pair with another business card that does have bonus categories, as those cards tend to have limits on how much you can earn.

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 2X miles per dollar for every other purchase
Introductory Bonus
  • 50,000 bonus miles for spending $4,500 in the first 3 months
Key Features
  • Mile transfer: Transfer miles to a variety of airline partners.
  • Global Entry or TSA PreCheck credit: Get a statement credit that covers the application fee for Global Entry ($100) or TSA PreCheck ($85) once every four years.
  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Roadside Assistance, and more
  • Annual fee: $0 intro for first year; $95 after that
Runners Up4

Capital One Spark Cash Plus

Spark Cash Plus
Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus
  • $500 after spending $5,000 in the first 3 months; $500 after spending $50,000 in the first 6 months
  • Free employee cards
  • Shopping protections: Purchase Security, Extended Warranty Protection, Price Protection
  • Travel protections: Rental Insurance Coverage, Roadside Dispatch, Lost Luggage Reimbursement, Travel Accident Insurance
  • No foreign transaction fee
  • Annual fee: $150
View card details

Capital One Spark Miles Select for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 1.5X miles per dollar for every other purchase
Introductory Bonus
  • 20,000 miles for spending $3,000 in the first 3 months after account opening

Key Features

  • Perks: Mile transfer; Shopping and travel protections
  • Purchase APR: 0% for 9 months, then 13.99% - 23.99% Variable
  • Annual fee: $0
View card details

Capital One Spark Cash Select – $500 Cash Bonus

Spark Cash Select
Spending Rewards
  • 1.5% cash back for all purchases
Introductory Bonus
  • $500 cash bonus for spending $4,500 in the first 3 months after account opening

Key Features

  • Perks: Shopping and travel protections
  • Annual fee: $0
View card details

Discover it® Business Card

Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)

Key Features

  • Purchase APR: See Terms for See Terms, then See Terms
  • Annual fee: $0
View card details

The information related to Capital One Spark Miles for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Business Bonus Categories

American Express® Business Gold Card

Our rating:
  • Min. credit levelGood
  • Annual Fee$295
  • Purchase APR14.24% - 22.24% Variable

Rates & Fees

Rewards

Maybe your business makes a variety of purchases, but you want something with a little more punch than a flat-rate rewards card. Or maybe you’re looking for a nice card to pair with one of those flat-rate cards.

Either way, the American Express® Business Gold Card (Review) makes for a compelling offer. With a rare earn-where-you-spend-most reward program, it adapts to meet the changing needs of your business from month to month. Airfare is mixed with five other common business expenses, giving you quite a few point-earning opportunities.

Spending Rewards
  • 4X Membership Rewards points per dollar in the two categories with the highest spend per billing cycle (up to $150,000 in combined purchases per year, then 1X):
    • Airfare purchased directly from airlines
    • U.S. advertising purchases: online, TV, radio
    • U.S. providers of computer hardware, software, and cloud solutions
    • U.S. gas stations
    • U.S. restaurants
    • U.S. shipping
  • 2X Membership Rewards points per dollar for eligible purchases from Amex Travel
  • 1X Membership Rewards point per dollar for other eligible purchases
Introductory Bonus
  • 70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership
Key Features
  • 25% airline bonus: Get 25% of your points back when booking eligible airfare through American Express Travel using Membership Rewards Pay with Points.
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
  • Point transfer: To a selection of airline and hotel partners
  • Amex Offers: Access to extra point offers at a wide variety of merchants
  • Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
  • No foreign transaction fee
  • Annual fee: $295

Enrollment required for select benefits; terms and limitations apply.

American Express® Business Gold Card (Rates & Fees)

Runners Up3

Ink Business Preferred® Credit Card

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 3X Ultimate Rewards points per dollar on the first $150,000 spent per year on:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $15,000 in the first 3 months after account opening

Key Features

  • Perks: 25% point bonus; Point transfer; Shop through Chase/Chase Offers; Visa Signature Concierge; Luxury Hotel Collection; Shopping and travel protections
  • Annual fee: 95
View card details

U.S. Bank Business Leverage® Visa Signature® Card

Spending Rewards
  • 5X points per dollar on Prepaid Hotels and Rental Cars in the U.S. Bank Rewards Center
  • 1X point per dollar spent on everything else
Introductory Bonus
  • 75,000 bonus points for spending $7,500 in the first 4 months

Key Features

  • Perks: Encore Relationship Rewards (earn points for taking card payments); Shopping and travel protections
  • Annual fee: No annual fee for the first year, $95 thereafter.
View card details

Costco Anywhere Visa® Business Card by Citi

Spending Rewards
  • 4% cash back on eligible Gas, including gas at Costco; up to $7,000 per year, then 1% back
  • 3% cash back:
    • At Restaurants
    • On Travel
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases

Key Features

  • Perks: Shopping protections
  • Annual fee: $0 (Costco membership required)
View card details

The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Fair or Average Credit

Capital One Spark Classic for Business

Our rating:
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  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR24.49% Variable
Rewards

The Capital One Spark Classic for Business (Review) is one of the few unsecured business cards designed for fair or average credit. It’s very simple, but there isn’t anything bad about it in particular.

Spending Rewards
  • 1% cash back on all purchases
Key Features
  • Expense tracking: Including quarterly and year-end summaries. Can download data to Quicken, QuickBooks, and Excel.
  • Capital One CreditWise: Monitor your VantageScore 3.0 based on your TransUnion credit report, and check account data from that report.
  • Shopping and Travel Protections: Such as Purchase Security, Extended Warranties, an Auto Rental Collision Damage Waiver, and Travel and Emergency Assistance.
  • Employee cards: Get an unlimited number of employee cards.
  • No fee for balance transfers
  • Annual fee: $0

The information related to Capital One Spark Classic for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APRPrime + 11.90% Variable
  • Up to 10 cards for you & employees
  • Your choice of a cash back rewards program or a point rewards program
  • More Bonus Points: When you shop online or in person at the Earn More Mall.
  • Card Design Studio: Design your own card.
  • No annual fee
Why We Picked It

With bad credit your options will be pretty limited, and you may need to go with a secured business credit card. Secured cards require a refundable security deposit, which will be used to fund the credit line.

There aren’t many secured business cards, but the Wells Fargo® Business Secured Credit Card is one of the best.

It requires a security deposit of $500 to $25,000 when you’re approved. Your credit limit will be equal to the amount of your deposit.

You must have a Wells Fargo checking or savings account to apply for this card. The security deposit will be automatically withdrawn from the account you designate if you’re approved.

Wells Fargo will periodically review your account and credit history. If they see responsible credit behavior, you may be offered an upgrade to an unsecured business card, which may be the Wells Fargo Business Platinum Credit Card.

Rewards
Spending Rewards
  • Cash Back Option: 1.5% cash back for every purchase
  • Reward Points Option:
    • 1X point per dollar for every purchase
    • 1,000 bonus points for spending $1,000 in a monthly billing period

Unlike most credit cards for bad credit, which don’t offer any rewards at all, this card comes with two different rewards programs. You can choose either Cash Back or Rewards Points, and you must opt in to the program before you’ll begin earning rewards.

Key Features
  • Purchase Assurance: Provides reimbursement if an item you buy is stolen.
  • Wells Fargo Business Online: A service to help manage and track your spending.
  • Employee cards: You can get up to 9 employee cards, and they will each have a $25 annual fee.
  • Annual fee: $0
  • Upgrade path: Wells Fargo will check your credit behavior and may upgrade you to the Wells Fargo Business Platinum Card.
Runner Up1

Divvy Credit Builder

  • Perks: Budget and expense management tools; Tools to manage employee spending; Unlimited virtual cards; Thousands of dollars in special offers and discounts
  • No foreign transaction fee
  • Annual fee: $0
View card details
Mid-Range Annual Fee

Ink Business Preferred® Credit Card

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  • Min. credit levelExcellent
  • Annual Fee95
  • Purchase APR15.99% - 20.99% Variable
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Rewards

The Ink Business Preferred® Credit Card (Review) can be very rewarding for business owners who spend consistently in its categories. There’s often a massive intro bonus as well, so you can start off with a heap of points to fuel a few trips.

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 3X Ultimate Rewards points per dollar on the first $150,000 spent per year on:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $15,000 in the first 3 months after account opening
Key Features
  • Point transfer: Transfer your points to partners like Southwest Airlines, United, British Airways, Marriott, Hyatt, and more.
  • 25% point bonus: Redeem points for travel through Chase Ultimate Rewards to get a 25% bonus, increasing their value to 1.25 cents each.
  • Shop through Chase: A selection of retailers where you can earn extra points, like Lowes, HP, and Walmart.com (current offers at the time of publication).
  • Visa Signature Business benefits: Including Purchase Protection, Cell Phone Protection, Trip Delay Insurance, and Roadside Dispatch
  • Employee cards: Get up to 70 employee cards, all for free.
  • Annual fee: 95
Runners Up3

Capital One Spark Miles for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 2X miles per dollar for every other purchase
Introductory Bonus
  • 50,000 bonus miles for spending $4,500 in the first 3 months

Key Features

  • Perks: Point transfer; Shopping and travel protections
  • Annual fee: $0 intro for first year; $95 after that
View card details

Capital One Spark Cash Plus

Spark Cash Plus
Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus
  • $500 after spending $5,000 in the first 3 months; $500 after spending $50,000 in the first 6 months
  • Free employee cards
  • Shopping protections: Purchase Security, Extended Warranty Protection, Price Protection
  • Travel protections: Rental Insurance Coverage, Roadside Dispatch, Lost Luggage Reimbursement, Travel Accident Insurance
  • No foreign transaction fee
  • Annual fee: $150
View card details

U.S. Bank Business Leverage® Visa Signature® Card

Spending Rewards
  • 5X points per dollar on Prepaid Hotels and Rental Cars in the U.S. Bank Rewards Center
  • 1X point per dollar spent on everything else
Introductory Bonus
  • 75,000 bonus points for spending $7,500 in the first 4 months

Key Features

  • Perks: Encore Relationship Rewards (earn points for taking card payments); Shopping and travel protections
  • Annual fee: No annual fee for the first year, $95 thereafter.
View card details
  • Min. credit levelExcellent
  • Annual Fee$550
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

Rewards

When you spend a lot with any brand, you should check for deals or credit cards to help you get more for your money. That’s what you’ll find with the Delta SkyMiles® Reserve Business American Express Card (Review).

It comes with solid airline rewards and a selection of cost-saving benefits to help make the annual fee easier to swallow. It recently added Centurion Lounge access to its list of perks, making it an even more attractive option for anyone who spends much time in airports.

Spending Rewards
  • 3X SkyMiles per dollar for eligible purchases made directly with Delta Air Lines
  • 1.5X SkyMiles per dollar on other eligible purchases for the rest of the year after spending $150,000 in a calendar year
  • 1X SkyMile per dollar on other eligible purchases
Introductory Bonus
  • 60,000 bonus miles, 10,000 MQMs, and a $100 statement credit for spending $4,000 in the first 3 months
Key Features
  • Delta Sky Club and Centurion Lounge access: Get complimentary access to Delta Sky Clubs, with up to two guests at $39 each, plus complimentary access to Centurion Lounges, with up to two guests at $50 each. Includes two free Delta Sky Club one-time guest passes.
  • Annual Companion Certificate: A certificate for a Domestic First Class, Delta Comfort+, or Main Cabin round-trip flight
  • Status Boost: Earn 15,000 MQMs for spending $30,000, up to four times per calendar year.
  • First checked bag free on Delta flights: For you and up to eight traveling companions
  • Priority Boarding on Delta flights: Get on the plane more quickly with Main Cabin 1 priority boarding.
  • Complimentary upgrades: If you don’t have Medallion status you can still get some upgrades for free.
  • 20% in-flight discount on Delta flights: A 20% discount on eligible in-flight purchases, like food, beverages, movies, and audio headsets
  • Global Entry or TSA PreCheck fee credit: Get a statement credit that covers the application fee for Global Entry ($100 every four years) or TSA PreCheck ($85 every four-and-a-half years)
  • No foreign transaction fee
  • Annual fee: $550

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Reserve Business American Express Card (Rates & Fees)

Runners Up8

United Club℠ Business Card

Spending Rewards
  • 2X miles per dollar spent on United Airlines purchases
  • 1.5X miles per dollar spent on all other purchases
Introductory Bonus
  • 100,000 bonus miles for spending $10,000 on purchases in the first 3 months

Key Features

  • Perks: United Club membership; Premier Access travel services; first and second checked bags free; 25% in-flight discount
  • Annual fee: $450
View card details

Southwest® Rapid Rewards® Performance Business Credit Card

Spending Rewards
  • 4X points per dollar on Southwest Airlines purchases
  • 3X points per dollar for Rapid Rewards hotel and car partners
  • 2X points per dollar on:
    • Social media and search engine advertising
    • Internet/cable/phone services
    • Local transit/commuting/rideshares
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 80,000 bonus points for spending $5,000 in the first 3 months

Key Features

  • Perks: 9,000 annual bonus points; Four Upgraded Boardings per year; 20% in-flight discount; Global Entry/TSA PreCheck credit; 365 in-flight WiFi credits
  • Annual fee: $199
View card details

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Spending Rewards
  • 2X AAdvantage miles per dollar spent on:
    • American Airlines
    • Cable and satellite providers
    • Gas stations
    • Select telecommunications merchants
    • Car rentals
  • 1X AAdvantage mile per dollar spent on all other purchases
Introductory Bonus
  • 65,000 AAdvantage bonus miles for spending $4,000 within the first 4 months of account opening

Key Features

  • Perks: First checked bag free; Preferred Boarding; 25% savings on eligible in-flight purchases
  • Annual fee: $99, waived for first 12 months
View card details

Alaska Airlines Visa® Business credit card

Spending Rewards
  • 3X miles per dollar for purchases made directly from Alaska Airlines
  • 1X mile per dollar on all other purchases
Introductory Bonus
  • 40,000 bonus miles and a Companion Fare for spending $2,000 in the first 90 days

Key Features

  • Perks: First checked bag free; Preferred Boarding; 20% in-flight discount; 50% off day passes at Alaska Lounges
  • Annual fee: $50 for the company and $25 per card
View card details

Delta SkyMiles® Platinum Business American Express Card

Spending Rewards
  • 3X SkyMiles per dollar for:
    • Eligible purchases made directly with Delta
    • Eligible purchases made directly with Hotels
  • 1.5X SkyMiles per dollar for single eligible purchases of $5,000 or more, up to 50,000 miles per year
  • 1X SkyMile per dollar for other eligible purchases
Introductory Bonus
  • Earn 60,000 bonus miles, 5,000 MQMs, and a $100 statement credit for spending $3,000 in the first 3 months
  • Perks: Annual Companion Certificate; First checked bag free, Main Cabin 1 Priority boarding, 20% in-flight discount on Delta flights; Global Entry/TSA PreCheck fee credit; Status Boost
  • Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Extended Warranty, Purchase Protection
  • No foreign transaction fee
  • Annual fee: $250

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Platinum Business American Express Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

United℠ Business Card

Spending Rewards
  • 2X miles per dollar on:
    • United purchases
    • Local transit, commuting, and rideshare services
    • Gas stations
    • Office supply stores
    • Restaurants
  • 1X mile per dollar on every other purchase
Introductory Bonus
  • 75,000 bonus miles for spending $5,000 in the first 3 months

Key Features

  • Perks: Two United Club passes; Priority boarding; First checked bag free; 25% in-flight discount, $100 credit after seven United flights over $100
  • Annual fee: $0 introductory annual fee for the first year, then $99
View card details

SKYPASS Visa Business Card

Spending Rewards
  • 2X miles per dollar spent on:
    • Korean Air Ticket Purchases
    • Gas Stations
    • Hotels
  • 1X mile per dollar spent on all other eligible net purchases
Introductory Bonus
  • 30,000 bonus miles after you spend at least $3,000 within the first 90 days

Key Features

  • Perks: Annual $50 off flight coupon; 2 annual KAL Lounge passes
  • Annual fee: $95 the first year, then $95 for account owners and $95 for authorized employees
View card details

Hawaiian Airlines® Business Mastercard®

Spending Rewards
  • 3X HawaiianMiles per dollar spent on purchases from Hawaiian Airlines
  • 2X HawaiianMiles per dollar spent on:
    • Gas
    • Dining
    • Office supplies
  • 1X HawaiianMile per dollar spent on all other purchases
Introductory Bonus
  • 60,000 bonus miles for spending $1,000 in the first 90 days; 10,000 bonus miles if a purchase is made on an employee card in the first 90 days

Key Features

  • Perks: One time 50% off companion discount, up to 40,000 annual bonus miles, discounted award flights
  • Annual fee: $99
View card details

The information related to Delta SkyMiles® Reserve Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

  • Min. credit levelGood
  • Annual Fee$125
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

Rewards

If hotel spending is a common business expense, a hotel credit card may be in order. And if you have a favorite chain the choice may be obvious, although you don’t have many options to choose from.

The Marriott Bonvoy Business™ American Express® Card (Review) is one of few hotel business cards; it has a lot to offer if you frequent Marriott Bonvoys, but you should consider personal hotel credit cards and general travel credit cards as well.

Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Marriott Bonvoy Portfolio
  • 4X Marriott Bonvoy Bonus points per dollar for eligible purchases at:
    • U.S. restaurants
    • U.S. gas stations
    • Wireless telephone services purchased directly from U.S. providers
    • U.S. purchases of shipping
  • 2X Marriott Bonvoy Bonus points per dollar spent on other eligible purchases
Introductory Bonus
  • 75,000 bonus points for spending $3,000 in the first 3 months; up to $150 back in statement credits on eligible purchases in the first 3 months
Key Features
  • Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 35,000 points or fewer; earn a second free night by spending $60,000 in a calendar year.
  • Marriott Bonvoy Silver Elite status: Includes a 10% bonus on Base points and priority late checkout
  • Earn Marriott Bonvoy Gold Elite status: Spend $35,000 in a calendar year to gain a Gold Elite membership.
  • Free premium in-room WiFi
  • 15 Elite Night Credits: Each year you’ll get 15 Elite Night Credits towards a higher member status.
  • $100 property credit: Earn up to $100 in property credits when booking at least two nights direct with a special rate code at The Ritz-Carlton or St. Regis.
  • Shopping and travel protections: Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
  • No foreign transaction fee
  • Annual fee: $125

Enrollment required for select benefits; terms and limitations apply.

Marriott Bonvoy Business™ American Express® Card (Rates & Fees)

Runner Up1

The Hilton Honors American Express Business Card

Spending Rewards
  • 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus points per dollar for:
    • U.S. Gas stations
    • U.S. Wireless telephone services directly from providers
    • U.S. Restaurants
    • U.S. Shipping purchases
    • Flights booked directly with airlines or Amex Travel
    • Car rentals booked directly with select car rental companies
  • 3X Hilton Honors Bonus points per dollar on other eligible purchases
Introductory Bonus
  • 130,000 Bonus points for spending $2,000 in the first 3 months; 50,000 Bonus points for spending a total of $10,000 in the first 6 months
  • Perks: Hilton Honors Gold status, and fast track to Diamond; Priority Pass Select membership (10 free visits per year, then $32 per person); Annual Weekend Night Award for spending $15,000 in a calendar year, and a second for spending $60,000; Amex Offers
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Global Assist Hotline
  • No foreign transaction fee
  • Annual fee: $95

Enrollment required for select benefits; terms and limitations apply.

The Hilton Honors American Express Business Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

The information related to Marriott Bonvoy Business™ American Express® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

No Personal Guarantee

Brex Daily Card

Our rating:
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  • Min. credit levelEligibility determined by business financials
  • Annual Fee$0
  • Purchase APRNot Applicable - Paid in Full Daily
  • Choose either Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
  • $5,000 in Amazon Web Services credit over a year
  • $150 in Google Ads credit
  • 5% rebate on Microsoft ad products
  • 40% off your first 12 months of QuickBooks
  • 25% off an annual Monday.com subscription
  • No foreign transaction fee
  • No annual fee
  • Not available to consumers, sole proprietors, unregistered businesses, and other non-individual liability companies
Rewards

Most business credit cards require personal guarantees, just like regular credit cards. But a rare breed of corporate cards don’t require personal guarantees or personal credit checks, meaning your approval depends on your business status and financials, rather than your own credit history.

The Brex Daily Card (Review) presents a strong offer, with a seemingly endless set of business perks and credits. You can choose a reward program that fits your business, including interesting and seldom-seen categories like recurring software, conference tickets, and lab supplies.

Tech Rewards
  • 8X points per dollar on:
    • Rideshares
    • Taxis
  • 5X points per dollar on:
    • Flights booked through Brex Travel
    • Hotels booked through Brex Travel
  • 4X points per dollar on Dining
  • 3X points per dollar on:
    • Recurring Software purchases
    • Eligible Apple products via the Brex portal
  • 1.5X points per dollar on Ad purchases
  • 1X point per dollar on every other purchase
Life Sciences Rewards
  • 8X points per dollar on Conference tickets
  • 5X points per dollar on:
    • Flights booked through Brex Travel
    • Hotels booked through Brex Travel
  • 3X points per dollar on eligible Apple products via the Brex portal
  • 2X points per dollar on Lab supplies
  • 1.5X points per dollar on Ad purchases
  • 1X point per dollar on every other purchase
Remote Workforce Rewards
  • 8X points per dollar on Collaboration tools
  • 4X points per dollar on Food delivery services
  • 3X points per dollar on Recurring Software purchases
  • 1.5X points per dollar on Ad purchases
  • 1X point per dollar on every other purchase
Introductory Bonus
  • 10,000 bonus points for spending $3,000 in the first 3 months; 20,000 bonus points for linking payroll to Brex Cash (Brex Cash customers only)
Key Features
  • Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
  • Expense management and receipt reconciliation tools
  • Point transfer: At a 1:1 rate to select airline loyalty programs
  • Employee card fee: First 4 for free; $5 per month after that
  • Annual fee: $0
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
Runners Up3

Brex 30 Card

  • Choose Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
  • Perks: Thousands of dollars in credits and discounts, like $5,000 in AWS credits, $150 in Google Ads credits, 50% discount on Dropbox plans, and a 20% Zoom subscription discount
  • Point transfer: At a 1:1 rate to select airline loyalty programs
  • Expense management and receipt reconciliation tools
  • Annual fee: $0
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
  • $50,000 minimum bank account balance required for venture-backed companies; $100,000 otherwise
View card details

Stripe Corporate Card

Spending Rewards
  • 1.5% cash back on all purchases

Key Features

  • Perks: $5,000 in Amazon Web Services credits, three months of Basic Shopify for free, $436 in Zendesk credits per month for the first year, and more
  • Annual fee: $0
View card details

Ramp Corporate Card

Spending Rewards
  • 1.5% cash back on every purchase

Key Features

  • Perks: Automation tools for accounting; Over 100 accounting software integrations
  • Annual fee: $0
View card details

Best No Foreign Transaction Fee Credit Cards by Issuer

The cards above are among the best business credit cards with no foreign transaction fees, but there are many more than that.

Keep reading to see a selection of other cards from the major card issuers that won’t charge for foreign transactions.

Insider tip

Most airline and hotel co-branded credit cards have no foreign transaction fees, regardless of whether they’re business or consumer cards.

American Express

American Express® Business Gold Card
  • Min. credit levelGood
  • Annual Fee$295
  • Purchase APR14.24% - 22.24% Variable

Rates & Fees

The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Marriott Bonvoy Business™ American Express® Card
  • Min. credit levelGood
  • Annual Fee$125
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

The information related to Marriott Bonvoy Business™ American Express® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Delta SkyMiles® Gold Business American Express Card
  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for the first year, then $99
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

The information related to Delta SkyMiles® Gold Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Bank of America

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Alaska Airlines Visa® Business credit card
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  • Min. credit levelExcellent
  • Annual Fee$50 for the company and $25 per card
  • Purchase APR15.99% - 23.99%

Barclays

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JetBlue Business Mastercard®
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  • Min. credit levelGood
  • Annual Fee$99
  • Purchase APR18.24% or 27.24% Variable
Insider tip

In addition to this business card, JetBlue offers two personal co-branded credit cards, the JetBlue Card and the JetBlue Plus Card. All three offer a host of helpful perks to improve your JetBlue travel experience.

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Hawaiian Airlines® Business Mastercard®
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  • Min. credit levelGood
  • Annual Fee$99
  • Purchase APR17.99% or 26.99% Variable
Insider tip

Learn more about the Hawaiian Airline business card and how it can help you score free flights.

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AAdvantage® Aviator™ Business Mastercard®
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  • Min. credit levelGood
  • Annual Fee$95
  • Purchase APR15.99% or 24.99% Variable

Capital One

All Capital One credit cards have no foreign transaction fees, including its business cards.

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Capital One Spark Miles for Business
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  • Min. credit levelGood
  • Annual Fee$0 intro for first year; $95 after that
  • Purchase APR20.99% (Variable)

The information related to Capital One Spark Miles for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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Capital One Spark Miles Select for Business
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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% intro on purchases for 9 months, then 13.99% - 23.99% Variable

The information related to Capital One Spark Miles Select for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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Capital One Spark Cash Plus
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  • Min. credit levelGood
  • Annual Fee$150
  • Purchase APRNot Applicable - Paid in Full Monthly
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Capital One Spark Cash Select - $500 Cash Bonus
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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR13.24% - 19.24% (Variable)

The information related to Capital One Spark Cash Select - $500 Cash Bonus has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Chase

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United Club℠ Business Card
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  • Min. credit levelGood
  • Annual Fee$450
  • Purchase APR18.24%–25.24% Variable
Southwest® Rapid Rewards® Premier Business Credit Card
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  • Min. credit levelGood
  • Annual Fee$99
  • Purchase APR15.99% - 22.99% Variable

Citi

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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  • Min. credit levelExcellent
  • Annual Fee$99, waived for first 12 months
  • Purchase APR15.99% - 24.99% (Variable)

Citi is a Credit Card Insider advertiser.

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Costco Anywhere Visa® Business Card by Citi
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  • Min. credit levelExcellent
  • Annual Fee$0 (Costco membership required)
  • Purchase APR15.24% (Variable)

Citi is a Credit Card Insider advertiser.

U.S. Bank

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U.S. Bank FlexPerks® Business Travel Rewards
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  • Min. credit levelGood
  • Annual Fee$55, $0 first year
  • Purchase APR12.99%–23.99% Variable

Rates & Fees

The information related to U.S. Bank FlexPerks® Business Travel Rewards has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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SKYPASS Visa Business Card
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  • Min. credit levelFair
  • Annual Fee$95 the first year, then $95 for account owners and $95 for authorized employees
  • Purchase APR13.99%–20.99% Variable

Frequently Asked Questions

What’s the best business credit card with no foreign transaction fee?

If you’ll be traveling abroad and don’t want to get hit with foreign transaction fees, you have several great options:

What are foreign transaction fees?

A foreign transaction fee is an extra charge for making credit card purchases in foreign currency. It’s also known as a foreign currency exchange fee.

These fees can occur when you’re traveling outside the U.S., or when a purchase is processed by a foreign bank (which can happen if you buy something from another country).

But you can avoid those fees with the right card: There are excellent business credit cards without foreign transaction fees, along with plenty of personal cards without foreign transaction fees.

How much is the average foreign transaction fee?

Most credit cards that have a foreign transaction fee charge 3%, although some are more or less. Many American Express credit cards, for instance, charge 2.7%.

Which business credit cards don’t charge foreign transaction fees?

Although most credit cards do charge foreign transaction fees, there are many that don’t. Capital One and Discover actually have no foreign transaction fees on any of their cards.

Other than, you’ll find solid cards without foreign transaction fees from issuers like:

For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please click here.

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here.

For rates and fees of The Hilton Honors American Express Business Card, please click here.

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

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