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2020

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.

Best Business Credit Cards With No Forei...
Brendan Harkness

By Brendan Harkness

Our Selection Criteria

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?
Best Business Credit Cards With No Forei...
Brendan Harkness

By Brendan Harkness

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.

Our Selection Criteria
BEST PICK FOR

Premium Travel Rewards

The Business Platinum Card® from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $595
Regular APR N/A
Apply Now

securely on the issuer's website

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 an annual fee of $595 ($45 more than the regular consumer version) along with some different redemption options that provide a better value for flights (Rates & Fees). You won’t get the $200 in Uber credits with this card, however.

  • 5X Membership Rewards points per dollar on:
    • flights booked directly with airlines or with American Express Travel
    • prepaid hotels booked with the Amex Travel portal
  • 2X Membership Rewards points per dollar spent on other purchases from Amex Travel
  • 1.5X Membership Rewards points per dollar spent on purchases of $5,000 or more (up to 1 million additional points annually)
  • 1X Membership Rewards point per dollar spent everywhere else
  • 75,000 bonus points for spending $15,000 in the first 3 months

The value you get for your Membership Rewards points will depend on how you redeem them. Flights are an excellent option because you’ll get a 35% bonus, although you may find even better deals with point transfers.

Flight redemptions will provide a 6.75% cash back equivalent when spending in the 5X category, after the 35% bonus. If you find a point transfer that provides 2 cents per point you’ll be getting a 10% cash back equivalent for those purchases.

  • Up to $200 in airline fee statement credits annually: Every year you can get up to $200 in statement credits toward incidental airline fees, like baggage or in-flight food (not flight tickets).
  • $100 credit for Global Entry or TSA Pre✓: A credit for the application fee for Global Entry ($100) or TSA Pre✓ ($85) once every four years.
  • $200 Dell statement credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December (COVID-19 update: Now get $200 in additional credits; $100 from 5/1/20–6/30/20, and $100 from 7/1/20–12/31/20).
  • $320 wireless telephone & shipping credit: Get up to $320 in statement credits for wireless telephone services purchased directly from U.S. providers and U.S. purchases for shipping (up to $20 per month each, until 12/31/20).
  • Global Lounge Collection: Complimentary access to a wide variety of airport lounges, including Centurion, Priority Pass Select, Delta Sky Club, and several more.
  • The Hotel Collection: Get a $100 credit for every eligible stay of two nights or more at participating properties.
  • Fine Hotels & Resorts: Perks like daily breakfast for two, room upgrades, and unique amenities.
  • Hotel member status: Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status.
  • Amex OPEN business features: Like expense management tools and a forum to speak with other business owners.
  • Annual fee: $595
  • Charge card: You must pay your balance in full each billing period.
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Terms Apply
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

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.

BEST PICK FOR

Mid-Range Annual Fee

Ink Business Preferred® Credit Card

Our rating
Min. credit level Excellent
Details
Annual Fee $95
Regular APR 17.49% - 22.49% Variable
Apply Now

securely on the issuer's website

The Ink Business Preferred® Credit Card (Review) is a good credit card offer for business owners who spend in its categories. There’s also a very large signup bonus, which can provide over $1,000 in value.

  • 5X Ultimate Rewards points per dollar on Lyft rides
  • 3X Ultimate Rewards points per dollar on the first $150,000 spent per year in combined purchases on:
    • travel
    • shipping
    • internet, cable, and phone services
    • advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar spent everywhere else
  • 100,000 bonus points for spending $15,000 in the first 3 months after account opening

Points redeemed through Ultimate Rewards will get a 25% bonus, making them worth 1.25 cents each. Or you could transfer points to an airline or hotel frequent traveler program, where you might get a value of 2 cents per point or more.

When redeeming at the 1.25-cent rate you’ll be earning a cash back equivalent of 3.75% in the bonus categories. If you get 2 cents per point you’d be getting a 6% cash back equivalent.

  • Point transfer: Transfer your points to partners like Southwest Airlines, United, British Airways, Marriott, Hyatt, and more.
  • 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.
  • $95 annual fee
  • Business credit bureau reporting: Positive card activity will be reported to Dun & Bradstreet.
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $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 no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don’t expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
BEST PICK FOR

No Annual Fee

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Our rating
Min. credit level Excellent
Details
Annual Fee $0.00
Regular APR 13.74% - 23.74%
Apply Now

securely on the issuer's website

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.

  • 3X points per dollar on travel booked through the Bank of America Travel Center
  • 1.5X points per dollar on all other purchases
  • 30,000 bonus points for spending $3,000 within 90 days of account opening

Your points are usually worth 1 cent each, so you’ll be earning a 3% or 1.5% cash back equivalent depending on the type of purchase.

Or, if you’re a Business Advantage Relationship Rewards member, you can earn a 25%, 50%, or 75% point bonus, depending on the amount of money you have in eligible accounts.

  • 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 13.74% - 23.74%
  • Employee cards: Get an unlimited number of employee cards.
  • No annual fee
  • Business credit bureau reporting: Card activity will be reported to Equifax Small Business.
  • 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.
BEST PICK FOR

Fair or Average Credit

Capital One® Spark® Classic for Business

Our rating
Min. credit level Fair
Details
Annual Fee $0
Regular APR 24.49% Variable
Apply Now

securely on the issuer's website

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.

  • 1% cash back on every purchase
  • 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
  • No annual fee
  • Business credit bureau reporting: Positive card activity will be reported to Dun & Bradstreet, Experian, and Small Business Financial Exchange.

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.

BEST PICK FOR

Bad Credit

Wells Fargo® Business Secured Credit Card

Our rating
Min. credit level Limited Credit History
Details
Annual Fee $25
Regular APR Prime + 11.90% Variable
Apply Now

securely on the issuer's website

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.

Choose one rewards program:

  1. Cash Back:
    • 1.5% cash back for every purchase
  2. Reward Points:
    • 1X point per dollar for every purchase
    • Monthly bonus: 1,000 bonus point for spending $1,000 in any given month
    • Redemption bonus: 10% bonus when redeeming points online
    • Earn More Mall: Extra points and discounts at participating retailers

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.

  • 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.
  • $25 annual fee
  • Business credit bureau reporting: Positive card activity will be reported to Small Business Financial Exchange.
  • Upgrade path: Wells Fargo will check your credit behavior and may upgrade you to the Wells Fargo Business Platinum Card.
  • 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.
  • $25 annual fee per card

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

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$295
Regular APR14.24–22.24% Variable
Apply Now

securely on the issuer's website

  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

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.

Key Terms & Features

  • 4X Membership Rewards points in the two categories that your business spends the most in every month, 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
  • Introductory bonus: 35,000 bonus points for spending $5,000 in the first 3 months
  • 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year
  • The Hotel Collection: Earn a $75 credit for eligible hotel stays of two nights or more
  • Amex Offers: Discounts and extra points at a variety of retailers, including Etsy, Pier 1 Imports, and a 10% discount at select department stores
  • Annual fee: $295 (Rates & Fees)
  • Charge card: You must pay your balance in full each billing period

Read more in our Review of the American Express Business Gold Card

 

Marriott Bonvoy Business™ American Express® Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$125
Regular APR15.74–24.74% Variable
Apply Now

securely on the issuer's website

  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

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.

Key Terms & Features

  • 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
  • Introductory bonus: 75,000 bonus points if you make $3,000 in purchases within the first 3 months
  • Silver Elite status: Complimentary Marriott Bonvoy Silver Elite status offers a 10% points bonus plus other perks
  • Points-to-miles transfer program: Receive a 5,000 point bonus when you transfer 60,000 points to a participating frequent flyer program
  • Free in-room premium internet: At participating Marriott Bonvoy hotels
  • Boingo WiFi access: Complimentary access to more than one million Boingo WiFi hotspots around the world
  • Annual fee: $125 (Rates & Fees)

Read more in our Review of the Marriott Bonvoy Business American Express Card

 

Delta SkyMiles® Gold Business American Express Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0 introductory annual fee for the first year, then $99
Regular APR15.74–24.74% Variable
Apply Now

securely on the issuer's website

  • Welcome Offer: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months.
  • Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
  • Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you travel overseas.
  • $0 introductory annual fee for the first year, then $99.
  • Terms and limitations apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

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.

Key Terms & Features

  • 2X SkyMiles per eligible dollar spent for:
    • Purchases made directly with Delta Air Lines
    • U.S. Shipping
    • U.S. Advertising in select media
    • Restaurants
  • 1X SkyMile per dollar spent on all other purchases
  • Introductory bonus: 40,000 bonus miles for spending $2,000 in the first 3 months
  • Priority boarding: For Delta flights
  • First checked bag is free: For Delta flights
  • 20% savings on inflight purchases: For Delta flights
  • $0 introductory annual fee for the first year, then $99 (Rates & Fees)

 

Bank of America

Alaska Airlines Visa® Business credit card

Our rating
Min. credit levelExcellent
Details
Annual Fee$50 for the company and $25 per card
Regular APR17.49% - 25.49%
Apply Now

securely on the issuer's website

  • Get 40,000 bonus miles plus Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from just $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
  • Get Alaska’s Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year! That’s right, EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
  • NEW! 50% off Alaska Lounge day passes and 20% back on inflight food, beverage and Wi-Fi purchases when you pay with your card.
  • Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Alaska Airline Hotels.
  • Earn unlimited miles and travel with no blackout dates and no international transaction fees.
  • Enjoy many money saving benefits, 800+ destinations, more than a dozen global airline partners and a low annual fee of $50 for the company and $25 per card.

Key Terms & Features

  • 3X miles per dollar for Alaska Airlines purchases
  • Introductory bonus: 40,000 bonus miles plus Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from just $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account
  • First checked bag is free: For Alaska Airlines flights
  • Business Level Earning Plan: Annual fee of $50 per company, $25 per card
  • Individual Level Earning Plan: Annual fee of $0 per company, $75 per card

 

Barclays

JetBlue Business Mastercard®

Our rating
Min. credit levelGood
Details
Annual Fee$99
Regular APR18.24% or 27.24% Variable
Apply Now

securely on the issuer's website

  • 6X points per dollar on JetBlue purchases
  • 2X points per dollar at restaurants and office supplies
  • 1X points per dollar on all other purchases
  • 40,000 bonus points for spending $1,000 on purchases within first 90 days
  • 10,000 bonus points after adding an employee card within 30 days of account opening and making a purchase with employee card within 90 days
  • 10% point bonus every time you redeem (bonus is applied to next redemption)
  • 5,000 bonus points every year on cardmember anniversary
  • Earn and share points together with Points Pooling
  • Unlimited points and they don’t expire
  • TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases annually
  • Free first checked bag for you and up to 3 guests traveling with you
  • Employee cards at no extra cost
  • No foreign transaction fees
  • No blackout dates
  • $99 annual fee

Key Terms & Features

  • 6X TrueBlue points per dollar on JetBlue purchases
  • 2X TrueBlue points per dollar at restaurants and office supply stores
  • Introductory bonus: 50,000 bonus points for spending $1,000 in the first 90 days; 10,000 bonus points for adding an employee card within 30 days and making a purchase with that card within 90 days
  • Anniversary bonus: 5,000 bonus points every year
  • Annual $100 statement credit: For purchasing a JetBlue Vacations package of $100 or more
  • Free first checked bag: For you and three companions, on JetBlue flights
  • 50% inflight discount: Get 50% back as a statement credit for inflight purchases, like food and cocktails, on JetBlue flights
  • TrueBlue Mosaic benefits: For spending $50,000 or more in a given year
  • $99 annual fee
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.

Hawaiian Airlines® Business Mastercard®

Our rating
Min. credit levelGood
Details
Annual Fee$99
Regular APR17.99% or 26.99% Variable
Apply Now

securely on the issuer's website

  • Earn 3 miles for every $1 spent on direct purchases from Hawaiian Airlines
  • Earn 2 miles for ever $1 spent on gas, dining and office supply purchases
  • Earn 1 mile for every $1 spent on all other purchases
  • Earn 20,000 bonus miles for spending $50,000 in annual purchases OR 40,000 miles for spending $100,000 in annual purchases
  • Receive a one-time 50% off companion discount for roundtrip travel between Hawaii and North America through Hawaiian Airlines
  • ShareMiles lets you share miles with family and friends
  • Earn bonus miles at select locations
  • No limit on miles you can earn and no blackout dates
  • No foreign transaction fees

Key Terms & Features

  • 3X HawaiianMiles per dollar for Hawaiian Airlines 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
  • Annual bonus: 20,000 bonus miles for spending $50,000 in a given year
  • Additional annual bonus: 20,000 additional bonus miles for spending $100,000 in a given year
  • One-time companion discount: A 50% discount on a companion ticket for roundtrip coach travel between Hawaii and North America
  • $99 annual fee
Insider tip

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

AAdvantage® Aviator™ Business Mastercard®

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% or 24.99% Variable
Apply Now

securely on the issuer's website

  • 2X miles per $1 spent on American Airlines
  • 2X miles per $1 spent on select telecom, office supply purchases and car rental purchases
  • 1X mile per $1 spent on all other purchases
  • 65,000 bonus miles after spending $1,000 in the first 90 days; 10,000 bonus miles after a purchase on an employee card
  • $3,000 Elite Qualifying Dollars after spending $25,000 on purchases each year
  • Get up to a 7,500 mile discount booking MileSAAver awards with miles
  • Companion certificate for 1 guest at $99 after spending $30,000 or more since last anniversary
  • 5% annual mileage bonus every year
  • First checked bag free for flights with American Airlines and American Eagle
  • Preferred boarding for you and up to 4 other people
  • 25% off in-flight purchases
  • $95 annual fee

Key Terms & Features

  • 2X AAdvantage miles per dollar for American Airlines purchases, and at office supply, telecom, and car rental merchants
  • Introductory bonus: 65,000 bonus miles after spending $1,000 in the first 90 days; 10,000 bonus miles after a purchase on an employee card
  • Anniversary mileage bonus: A 5% bonus on all the miles you earned in the previous year
  • Companion certificate: Spend $30,000 in a given year to earn a companion certificate valued at $99
  • First checked bag is free: On American Airlines flights
  • Preferred boarding: On American Airlines flights
  • 25% savings on inflight purchases: On American Airlines flights
  • $95 annual fee

 

Capital One

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

Capital One® Spark® Miles for Business

Our rating
Min. credit levelGood
Details
Annual Fee$0 intro for first year; $95 after that
Regular APR18.49% Variable
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securely on the issuer's website

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.

Key Terms & Features

  • 5X miles per dollar for hotels and 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
  • Mile transfer: Transfer miles to a variety of airline partners to potentially get a better value
  • Global Entry or TSA PreCheck credit: Get a statement credit that covers the application price for Global Entry ($100) or TSA PreCheck ($85) once every four years
  • No balance transfer fee
  • Annual fee: $0 intro for first year; $95 after that

Read more in our Review of the Capital One® Spark Miles for Business Credit Card

 

Capital One® Spark® Miles Select for Business

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR14.49% - 22.49% Variable
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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.

Key Terms & Features

  • 5X miles per dollar for hotels and 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
  • Mile transfer: Transfer miles to a variety of airline partners to potentially get a better value
  • 9-month 0% intro APR: For purchases, followed by a regular rate of 14.49% - 22.49% Variable
  • No balance transfer fee
  • No annual fee

Read more in our Review of the Capital One® Spark Miles Select for Business Credit Card

 

Capital One® Spark® Cash Select for Business

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR14.49% - 22.49% Variable
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The information related to Capital One® Spark® Cash 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.

Key Terms & Features

  • 1.5% cash back for every purchase
  • Introductory bonus: $200 cash bonus for spending $3,000 in the first 3 months after account opening
  • Visa Signature Business benefits: Including a concierge service, the Luxury Hotel Collection, shopping discounts, and more
  • 9-month 0% intro APR: For purchases, followed by a regular rate of 14.49% - 22.49% Variable
  • No balance transfer fee
  • No annual fee

Read more in our Review of the Capital One Spark Cash Select Card

 

Capital One® Spark® Cash for Business

Our rating
Min. credit levelExcellent
Details
Annual Fee$0 intro for first year; $95 after that
Regular APR18.49% Variable
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The information related to Capital One® Spark® Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Key Terms & Features

  • 2% cash back for every purchase
  • Introductory bonus: $500 cash bonus for spending $4,500 in the first 3 months
  • Visa Signature Business benefits: Including a concierge service, the Luxury Hotel Collection, shopping discounts, and more
  • No balance transfer fee
  • $95 annual fee, waived the first year

Read more in our Review of the Capital One Spark Cash Card

 

Chase

United MileagePlus® Club Business Card

Our rating
Min. credit levelGood
Details
Annual Fee$450
Regular APR18.24%–25.24% Variable
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  • 2X miles per dollar spent on United Airlines purchases
  • 1.5X miles per dollar spent on all other purchases
  • 100,000 bonus miles for spending $10,000 on purchases in the first 3 months
  • First and second checked bags are free for you and one companion
  • MileagePlus Premier® members may receive free upgrades when traveling on an award ticket
  • Current United Club members can apply and be reimbursed for the unused portion of your membership once approved
  • No close-in awards booking fees on United tickets
  • Unlimited miles that never expire
  • Complimentary employee cards
  • No foreign transaction fees
  • No blackout dates
  • $450 annual fee

Key Terms & Features

  • 2X miles per dollar for United purchases, at restaurants, and at hotels
  • 1.5X miles per dollar for every other purchase
  • Introductory bonus: 100,000 bonus miles for spending $10,000 on purchases in the first 3 months
  • United Club Membership: Complimentary access to United Club airport lounges
  • Luxury Hotel & Resort Collection: Perks like a daily breakfast for two, complimentary WiFi, room upgrades, and more
  • Premier Access travel services: Airport services like priority check-in, security screening, and boarding privileges
  • First and second checked bags are free: For United flights, for you and one traveling companion
  • World of Hyatt Discoverist Status: Benefits at Hyatt properties, like bonus points, premium internet, and late check-out
  • $450 annual fee

 

Southwest Rapid Rewards® Premier Business Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$99
Regular APR17.49% - 24.49% Variable
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  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn points on employee spending
  • Employee cards at no additional cost
  • No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees
  • No foreign transaction fees

Key Terms & Features

  • 2X miles per dollar for Southwest Airlines purchases
  • Introductory bonus: 60,000 points if you spend $3,000 in the first 3 months
  • Anniversary bonus: 6,000 bonus points on your cardmember anniversary
  • First and second checked bags are free: For Southwest Airlines flights
  • $99 annual fee

 

Citi

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Our rating
Min. credit levelGood
Details
Annual Fee$99, waived for first 12 months
Regular APR15.99% - 24.99% (Variable)
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  • Designed for businesses
  • Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • No Foreign Transaction Fees

The information related to CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Key Terms & Features

  • 2X American Airlines miles per dollar at American Airlines
  • 2X American Airlines miles per dollar at telecom merchants, cable, satellite TV, and car rental merchants, and gas stations
  • Introductory bonus: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • AA Companion Certificate: Spend $30,000 in a year to earn a companion ticket certificate
  • Reduced mileage awards: Fly on American Airlines for up to 7,500 fewer miles
  • 25% savings on inflight WiFi: For American Airlines flights
  • Preferred boarding: For American Airlines flights
  • First checked bag is free: For American Airlines flights
  • $99 annual fee, waived the first year

Read more in our Review of the CitiBusiness / AAdvantage Platinum Select World Mastercard

 

Costco Anywhere Visa® Business Card by Citi

Our rating
Min. credit levelExcellent
Details
Annual Fee$0 (Costco membership required)
Regular APR15.24% (Variable)
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  • Discover the only business credit card designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

The information related to Costco Anywhere Visa® Business Card by Citi has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Key Terms & Features

  • 4% cash back at gas stations, including Costco gas stations
  • 3% cash back at restaurants and on travel purchases
  • 2% cash back on other purchases from Costco and Costco.com
  • No annual fee
  • Costco membership required: $60 for a Gold Star membership, $120 for a Gold Star Executive membership

Read more in our Review of the Costco Anywhere Visa Business Card by Citi

 

HSBC

All HSBC credit cards have no annual fee, but this bank only offers one very basic business card.

HSBC Mastercard BusinessCard®

Key Terms & Features

  • 1X point per dollar for every purchase (enrollment required)
  • Rewards program enrollment fee: $25 per year
  • No annual fee
  • Can’t apply online: Must apply for this card at an HSBC bank

 

U.S. Bank

U.S. Bank FlexPerks® Business Travel Rewards

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$55, $0 first year
Regular APR12.99%–23.99% Variable
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  • Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
  • Earn 2X FlexPoints in the category where you spend the most each month-gas stations, office supply stores or airlines, plus on cellular providers.
  • Earn 1 point for every other eligible net dollar spent.
  • $25 Airline Allowance offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees, in-flight food and drinks, or a seat upgrade when you use your card.
  • If you spend $24,000 in net purchases annually, your $55 annual fee (plus $10 fee for each employee card) gets credited back to your account.

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.

Key Terms & Features

  • 2X FlexPoints per dollar in the category you spend most in each month: either airlines, gas stations, or grocery stores
  • 2X FlexPoints per dollar for cell phone services and at charitable organizations
  • Introductory bonus: 25,000 FlexPoints after spending $2,000 within the first 4 months
  • $25 air travel credit: Get a $25 credit when redeeming points for eligible travel award tickets
  • Annual fee credit: Get a $55 credit for the annual fee by spending $24,000 in a given year
  • $55 annual fee, waived the first year

 

SKYPASS Visa Business Card

Our rating
Min. credit levelFair
Details
Annual Fee$95 the first year, then $95 for account owners and $95 for authorized employees
Regular APR13.99%–20.99% Variable
Apply Now

securely on the issuer's website

  • 2X miles per dollar spent for Korean Air ticket purchases, gas stations, hotels
  • 1X mile per dollar spent on all other eligible net purchases
  • 30,000 bonus miles after you spend at least $3,000 within the first 90 days
  • 2,000 bonus miles at renewal
  • $50 off coupon for Korean Air tickets every year
  • There is no limit to the amount of miles you can earn
  • 2 Korean Airlines Lounge coupons every year
  • No foreign transaction fees
  • Bilingual Customer Service
  • $95 annual fee

Key Terms & Features

  • 2X miles per dollar on Korean Air ticket purchases
  • Introductory bonus: 30,000 bonus miles after you spend at least $3,000 within the first 90 days
  • Annual bonus: 2,000 bonus miles every year on your account anniversary
  • KAL Lounge coupons: Two KAL airport lounge access coupons per year
  • $75 annual fee

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 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.

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 The Business Platinum Card® from American Express, Capital One® Spark® Classic for Business, 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 for Business, Capital One® Spark® Cash for Business, CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, Costco Anywhere Visa® Business Card by Citi, and U.S. Bank FlexPerks® Business Travel Rewards have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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