The best business credit cards with no foreign transaction fee offer premium travel rewards and perks like free checked baggage, travel insurance, and access to expense management tools. The right no foreign transaction fee business credit card will depend on the type of rewards you prefer to earn, the card’s additional features, and whether you’re willing to pay annual fees. Our top recommendations include travel business credit cards, co-branded business credit cards, and a corporate charge card.
Here are the eight best business credit cards with no foreign transaction fees:
- Bank of America® Business Advantage Travel Rewards World Mastercard®: Overall best no foreign transaction fee business credit card with simple rewards
- U.S. Bank Business AltitudeTM Connect World Elite Mastercard®: Best for fuel expenses and extended payment option
- Ramp Card: Best corporate charge card with fixed-rate rewards and robust expense management system
- American Express Business Platinum Card®: Best for international luxury travel and airport lounge access with high credit limit
- Marriott Bonvoy BusinessTM American Express® Card: Best for stays at Marriott properties outside the US and 4x points rewards at restaurants worldwide
- Hilton Honors American Express® Business Card: Best for earning up to 12x points at Hilton hotels and 3x points on international purchases
- Capital One Spark Miles for Business: Best for earning 2x miles rewards on everyday purchases
- Chase Ink Business Preferred® Credit Card: Best for high credit limit with high welcome offer
Business Credit Cards With No Foreign Transaction Fee at a Glance
Best For | Annual Fee | Ongoing Rewards | Credit Needed | ||
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Bank of America® Business Advantage Travel Rewards World Mastercard® | Overall best no foreign transaction fee business credit card with simple rewards | $0 | Up to 3x points | Excellent | |
U.S. Bank Business AltitudeTM Connect World Elite Mastercard® | Fuel expenses and extended payment option | $0 for the first year, then $95 after | Up to 5x points | Good to Excellent | |
Ramp Card | Corporate charge card with fixed-rate rewards and robust expense management system | $0 | 1.5% cash back on all purchases | Poor to Excellent | |
American Express Business Platinum Card® | International luxury travel and airport lounge access with high credit limit | $695 | Up to 5x points | Good to Excellent | |
Marriott Bonvoy BusinessTM American Express® Card | Stays at Marriott properties outside the US and 4x points rewards at restaurants worldwide | $125 | Up to 6x points | Good to Excellent | |
Hilton Honors American Express® Business Card | Earning up to 12x points at Hilton hotels and 3x points on international purchases | $195 | Up to 12x points | Good to Excellent | |
Capital One Spark Miles for Business | Earning 2x miles rewards on everyday purchases | $0 intro for first year, then $95 after | Up to 5x miles | Excellent | |
Chase Ink Business Preferred® Credit Card | Best for high credit limit with high welcome offer | $95 | Up to 5x points | Good to Excellent |
Bank of America Business Advantage Travel Rewards World Mastercard®: Overall Best No Foreign Transaction Fee Business Credit Card with Simple Rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
9 billing cycles
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
9 billing cycles
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Why we like it: We chose this as our overall best business credit card with no foreign transaction fee because of its easy rewards program. Plus, it comes with $0 annual fees and offers 0% APR on purchases for the first nine billing cycles—both of which help reduce your overall credit costs.
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Consider Bank of America Business Advantage Travel Rewards World Mastercard if you:
- Have an existing business deposit account with Bank of America (read our Bank of America business checking review for more information)
- Need to make a large purchase and want to pay it off within nine months
Are you a business consultant who travels frequently? The Bank of America Business Advantage Travel Rewards World Mastercard is a good fit as it is our top-recommended business card for consultants.
U.S. Bank Business AltitudeTM Connect World Elite Mastercard®: Best for Fuel Expenses & Extended Payment Option
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- $0 transaction fee
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- $0 transaction fee
Why we like it: Besides premium rewards on travel, this card offers lucrative reward points on gas and electric vehicle (EV) charging expenses. What’s more, it features the ExtendPay® Plan, allowing you to pay your balance in equal monthly installments without interest—just pay a small monthly fee.
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Consider U.S. Bank Business Altitude Connect World Elite Mastercard if you:
- Are on the road frequently and have significant spending on gas
- Need to carry a balance from time to time
Its high rewards rate on gas and EV charging stations is one of the reasons why it is named one of our leading fuel cards for small businesses.
Ramp Card: Best Corporate Charge Card With Fixed-rate Rewards & Robust Expense Management System
- Unlimited 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for new and existing cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Ramp is not available to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Unlimited 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for new and existing cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Ramp is not available to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why we like it: This corporate charge card offers unlimited cash back on purchases and charges $0 annual fees. It comes with a robust expense management system that allows multi-level approvals and provides unlimited AI invoice transcripts. Also, it does not charge for additional users, late payments, or additional cards/card replacement, which means it is essentially free to use. Note that since it is a charge card, your balance must be paid in full each month.
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Consider Ramp Card if you(r):
- Company is incorporated (note that this card is not available to sole proprietors and unincorporated businesses)
- Can pay your balance in full every month
- Have at least $75,000 in a bank account that will be connected to Ramp
Its strong expense management platform and straightforward rewards program are why it made it to our list of the top-recommended corporate cards.
American Express Business Platinum Card®: Best for International Luxury Travel & Airport Lounge Access With High Credit Limit
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Why we like it: It is one of the top business credit cards for luxury international travel and features the Global Lounge Collection®, which provides complimentary access to over 1,400 airport lounges globally. Plus, you can enjoy several travel perks like up to $100 credit for Global Entry or TSA PreCheck fees and $189 credit for CLEAR®. These benefits justify the card’s high annual fee of $695. On top of that, you could possibly get a high credit limit compared to what most other business credit cards offer.
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Consider the American Express Business Platinum Card® if you:
- Don’t mind paying a high annual fee in exchange for luxury travel perks and experience
- Need a high credit limit and protection coverages when you travel (such as trip delay, cancelation, and interruption insurance)
Due to its lucrative perks and rewards, it is our best business card with airport lounge access and our top high-limit business card.
Marriott Bonvoy BusinessTM American Express® Card: Best for Stays at Marriott Properties Outside the U.S. & 4x Points Rewards at Restaurants Worldwide
Marriott Bonvoy Business® American Express® Card
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
- Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, 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 renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- $0 foreign transaction fee
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
- Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, 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 renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- $0 foreign transaction fee
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Why we like it: This card lets you earn premium rewards points when you stay at Marriott hotels when doing business abroad, which you can redeem for free stays at any participating Marriott hotel worldwide. On top of that, you will receive an exclusive 7% discount when you book directly with Marriott through an eligible channel. Plus, for an annual fee of only $125, you can enjoy tons of travel perks
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Consider the Marriott Bonvoy BusinessTM American Express® Card if you:
- Prefer to stay in Marriott hotels when you travel abroad and you want a free night stay without a minimum spend requirement
- Can spend $60,000 or more per year so you can get a second free night stay
The card is also one of our top business cards for travel, ideal for those who prefer to stay in upscale hotels when traveling.
Hilton Honors American Express® Business Card: Best for Earning Up to 12x Points at Hilton Hotels & 3x Points on International Purchases
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Why we like it: It offers the best deal for business travelers who prefer to stay at Hilton locations. You can earn premium points for purchases at Hilton hotels and resorts, which you can redeem for Lyft rides, airline miles with its travel partners, rental cars, and event tickets. What’s more, for a low annual fee of $195, you’ll receive up to $240 back each year on your eligible Hilton purchases, with up to $60 in statement credits per quarter.
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Consider the Hilton Honors American Express Business Card if you:
- Prefer to stay at Hilton hotels when you travel abroad
- Want to access airport lounges when you travel
Due to its 10 complimentary visits to Priority PassTM Select, this card made our roundup of the best business cards with airport lounge access.
Capital One Spark Miles for Business: Best for Earning 2x Miles Rewards on Everyday Purchases
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BEST FOR:
Unlimited 2x miles with every swipe
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Why we like it: The card comes with a $0 annual fee for the first year, then you’ll only pay $95 every year after that. It offers unlimited travel rewards that can be redeemed for flights, hotel stays, and vacation packages. You can redeem miles for flights, hotels, vacation packages, and more or transfer them to any of Capital One’s 15-plus travel partners.
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Consider the Capital One Spark Miles for Business if you:
- Don’t want to keep track of spending categories
- Usually fly with or stay at any of the 15-plus Capital One travel partners, including Air Canada, Aeromexico, Emirates Skywards, Qantas, Choice Hotels®, and Turkish Airlines
This card’s easy yet generous rewards program is why it’s our leading business card for miles.
Chase Ink Business Preferred®: Best for High Credit Limit With High Welcome Offer
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
- Earn 100k bonus points after you spend $8,000 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Earn 100k bonus points after you spend $8,000 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Why we like it: Consider this card if you need a high credit limit. It comes with a lucrative welcome offer of 100,000 bonus points when you spend $8,000 in the first three months after opening an account. For a low annual fee of $95, you can earn rich rewards on your purchases, which you can redeem for cash back, gift cards, travel experiences, and more through Chase Ultimate Rewards.
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Consider the Chase Ink Business Preferred card if you:
- Need a high credit limit and can spend at least $8,000 during the first three months to receive the welcome offer
- Frequently spend on shipping, advertising, travel, and internet/phone/cable services
It is also a great option for consultants and real estate agents who travel abroad frequently, being one of the top business cards for consultants and leading business cards for real estate agents.
How We Selected Business Credit Cards With No Foreign Transaction Fee
Most business travel credit cards have no foreign transaction fee—however, we only selected cards with strong travel or cash back rewards, flexible use, and no reward caps. While we prioritized cards that charge low annual fees, we included one card with a high annual fee because the travel perks it offers justify the cost.
Frequently Asked Questions (FAQs)
A foreign transaction fee is a charge imposed by your credit card company or bank when you make a purchase in a foreign currency or use your card abroad. Banks charge these fees to cover the costs of currency conversion and the increased risk associated with international transactions.
Foreign transaction fees vary per card issuer, but they’re often around 1% to 3% of the transaction amount and are usually paid in U.S. dollars. Check your card’s terms, or contact your credit card provider for specific details.
When selecting the best business credit card with no foreign transaction fees, focus on key factors such as the competitive rewards programs tailored to your business needs, a reasonable annual fee, and additional perks, like travel insurance, airport lounge access, and expense management tools. Ensure the card aligns with your business spending habits and provides adequate support for international transactions.
Bottom Line
The best business credit cards with no foreign transaction fees are those designed for international travel and offer some of the best rewards. Before choosing a no foreign transaction fee business credit card, make sure to compare the rates, fees, and other travel perks.