9 Business Credit Cards With No Foreign Transaction Fee

Intro APR

intro_apr_rate,intro_apr_duration

Regular APR

reg_apr,reg_apr_type

Annual Fee

annual_fees

Credit Needed

credit_score_needed

Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
This is a pay-in-full card, so your balance is due in full every month
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

Pros

Generous welcome offer
$0 foreign transaction fees
Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network

Cons

Very high annual fee
No introductory 0% APR period
If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance

Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
Cell Phone Protection: Get up to $800 in reimbursement if your phone is damaged or stolen, providing added peace of mind.
Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.

Intro APR

intro_apr_rate,intro_apr_duration

Regular APR

reg_apr,reg_apr_type

Annual Fee

annual_fees

Credit Needed

credit_score_needed

Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
This is a pay-in-full card, so your balance is due in full every month
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

Pros

Generous welcome offer
$0 foreign transaction fees
Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network

Cons

Very high annual fee
No introductory 0% APR period
If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance

Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
Cell Phone Protection: Get up to $800 in reimbursement if your phone is damaged or stolen, providing added peace of mind.
Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.

Why We Like It

For an annual fee of $395, the Capital One Venture X Business lets you earn up to 10×miles, as well as 150,000 bonus miles as a welcome offer when you meet the spending requirements. It also gives you an annual $300 credit for bookings through Capital One Travel. On top of that, you’ll receive 10,000 bonus miles every year on your card anniversary. Note that this is a pay-in-full card, so you need to pay the entire balance every due date.

10× miles on hotels and rental cars
5× miles on flights
2× miles on all other purchases

Complimentary access to 1,300-plus airport lounges worldwide with Partner Lounge Network
Access to Capital One Lounge, including wellness and working spaces, high-speed Wi-Fi, and locally inspired food
Up to a $120 statement credit on Global Entry or TSA PreCheck®

Ramp Card: Best Corporate Charge Card With Fixed-rate Rewards & Robust Expense Management System

Ramp Credit Card

BEST FOR:

Those who are using Ramp as their main financial management tool

Apply Now

on Ramp Credit Card's secure website.

Intro APR

None

Regular APR

None

Annual Fee

Credit Needed

Poor to Excellent

Up to 1.5% cash back on purchases, regardless of spending categories

Pros

Offers rewards for cardholders
Does not charge additional fees
Offers direct integrations to notable accounting tasks

Cons

Requires paying balances in full each month
Is unavailable 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.

Intro APR

None

Regular APR

None

Annual Fee

Credit Needed

Poor to Excellent

Up to 1.5% cash back on purchases, regardless of spending categories

Pros

Offers rewards for cardholders
Does not charge additional fees
Offers direct integrations to notable accounting tasks

Cons

Requires paying balances in full each month
Is unavailable 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

Ramp is a corporate charge card that offers unlimited cash back on purchases and charges $0 annual fees. It comes with a robust expense management system that allows multilevel 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.

Up to 1.5% cash back on purchases, regardless of spending category

10% to 50% exclusive partner discounts, including Gusto, QuickBooks, Accelerate Tax, UPS, Amazon Web Services (AWS), and Rippling, among others
Direct integrations to QuickBooks, NetSuite, Xero, and Sage Insight to automate accounting tasks easily
Comprehensive expense insights and reporting let you monitor all of your expenses in one dashboard

U.S. Bank Business Altitude^TM Connect World Elite Mastercard^®: Best for Fuel Expenses & Extended Payment Option

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply Now

on U.S. Bank Business Altitude™ Connect World Elite Mastercard®'s secure website.

Intro APR

N/A

Regular APR

19.24% - 26.24% Variable

Annual Fee

$0 intro annual fee for the first year, $95 thereafter.

Credit Needed

Excellent, Good

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 (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
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.
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

Intro APR

N/A

Regular APR

19.24% - 26.24% Variable

Annual Fee

$0 intro annual fee for the first year, $95 thereafter.

Credit Needed

Excellent, Good

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 (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
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.
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

See Rates & Fees

Why We Like It

U.S. Bank Business Altitude^TM Connect World Elite Mastercard^® offers premium rewards on car rentals, airfare, hotel stays, 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 Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening. .

5× points per dollar on hotel stays and car rentals
4× points per dollar on airfare, hotels, gas, and EV charging stations (on up to $150,000 purchases per year)
2× points per dollar on dining, takeout, restaurant delivery, and cell phone services
1× point per dollar on all other purchases

60,000 points (worth $600) when you spend at least $6,000 in the first 180 days of card ownership
Travel benefits, including travel assistance services and lost luggage insurance
Priority Pass^TM Digital annual membership lets you access over 1,300 airport lounges worldwide, with four complimentary visits per membership year
$0 annual fee for the first year, then $95 per year afterward

Marriott Bonvoy Business^® American Express^® Card: Best for Stays at Marriott Properties Outside the U.S. & 4× Points Rewards at Restaurants Worldwide

Marriott Bonvoy Business® American Express® Card

BEST FOR:

Owners who choose to stay at Marriott Bonvoy hotels

Apply Now

on Marriott Bonvoy Business® American Express® Card's secure website.

Intro APR

N/A

Regular APR

20.24% - 29.24% Variable

Annual Fee

$125

Credit Needed

Excellent, Good

WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have 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. Awards 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 90 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

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

Intro APR

N/A

Regular APR

20.24% - 29.24% Variable

Annual Fee

$125

Credit Needed

Excellent, Good

WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have 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. Awards 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 90 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

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

See Rates & Fees

Why We Like It

With Marriott Bonvoy Business^® American Express^® Card, you can earn three free night awards after you spend $6,000 within the first six months of card membership. It gives you premium rewards points when you stay at Marriott hotels, as well as 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.

6× points per dollar on purchases at any Marriott Bonvoy hotels
4× points per dollar at restaurants worldwide, US gas stations, shipping, and wireless phone services
2× points per dollar on all other eligible purchases

Complimentary Marriott Bonvoy Gold Elite Status, which includes benefits such as priority late checkout when available and 25% bonus points on stays
One free night award every year, after your Card renewal month—and another free night award when you spend $60,000 in a calendar year
15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status each calendar year
Complimentary in-room, premium internet access while staying at hotels participating in the Marriott Bonvoy® program

The Business Platinum Card^® from American Express: 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

Apply Now

on The Business Platinum Card® from American Express's secure website.

Intro APR

N/A

Regular APR

18.74% - 27.74% Variable

Annual Fee

$695

Credit Needed

Excellent, Good

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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
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.
$199 CLEAR® Plus Credit: Use your card and get up to $199 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 $120 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.
Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
Dell statement credit: Up to $400 in statement credits annually for Dell purchases.

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

Intro APR

N/A

Regular APR

18.74% - 27.74% Variable

Annual Fee

$695

Credit Needed

Excellent, Good

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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
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.
$199 CLEAR® Plus Credit: Use your card and get up to $199 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 $120 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.
Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
Dell statement credit: Up to $400 in statement credits annually for Dell purchases.

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

See Rates and Fees

Why We Like It

The Business Platinum Card^® from American Express is great for luxury international travel as it 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 $199 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 with what most other business credit cards offer.

5×points per dollar on flights and prepaid hotels booked on AmexTravel.com
1.5× points per dollar on eligible purchases of $5K or more, and in key business categories, including (up to $2 million of these purchases per calendar year):
- US construction material & hardware suppliers
- US electronic goods retailers
- US software & cloud system providers
- US shipping providers
1× points per dollar on all other eligible purchases

150,000 points as a welcome offer when you spend $20,000 in the first three months of card ownership
$200 in credits per year for incidental airline fees, such as checked bags and in-flight refreshments
Over $1,000 in business value, including statement credits for purchases at Dell Technologies, Indeed, and Adobe Creative Solutions

Capital One Spark Miles for Business: Best for Earning 2× Miles Rewards on Everyday Purchases

Visit Capital One Spark Miles for Business webpage.

card_name

BEST FOR:

Unlimited 2x miles with every swipe

Intro APR

intro_apr_rate,intro_apr_duration

Regular APR

reg_apr,reg_apr_type

Annual Fee

annual_fees

Credit Needed

credit_score_needed

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
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
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
Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases

Pros

Provides a welcome offer
Offers fixed-rate miles rewards on all purchases
Does not charge foreign transaction fees

Cons

Does not have a 0% introductory period on purchases
Charges an annual fee after the first year
Balance transfers are not available

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.

Intro APR

intro_apr_rate,intro_apr_duration

Regular APR

reg_apr,reg_apr_type

Annual Fee

annual_fees

Credit Needed

credit_score_needed

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
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
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
Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases

Pros

Provides a welcome offer
Offers fixed-rate miles rewards on all purchases
Does not charge foreign transaction fees

Cons

Does not have a 0% introductory period on purchases
Charges an annual fee after the first year
Balance transfers are not available

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

Capital One Spark Miles for Business 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.

5× miles per dollar when you book with Capital One Travel for hotel and rental cars
2× miles on every business purchase

50,000 miles after spending $4,500 within the first three months of account opening
Up to $120 credit for Global Entry or TSA PreCheck®

Capital One Spark Cash Select: Best for $0 Balance Transfer Fees

card_name

BEST FOR:

Businesses with excellent credit that want a lower ongoing APR

Intro APR

intro_apr_rate,intro_apr_duration

Regular APR

reg_apr,reg_apr_type

Annual Fee

annual_fees

Credit Needed

credit_score_needed

Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
No annual fee
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Rewards won't expire for the life of the account
Redeem your cash back rewards for any amount
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
$0 Fraud Liability for unauthorized charges

Pros

$0 annual, transfer, and foreign transaction fees
Includes a welcome bonus offer
Protection for lost or stolen cards
Downloadable purchase records for easy bookkeeping

Cons

No 0% Intro APR offer
Requires an excellent credit score
Lacks premium perks

Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
$0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both

Intro APR

intro_apr_rate,intro_apr_duration

Regular APR

reg_apr,reg_apr_type

Annual Fee

annual_fees

Credit Needed

credit_score_needed

Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
No annual fee
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Rewards won't expire for the life of the account
Redeem your cash back rewards for any amount
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
$0 Fraud Liability for unauthorized charges

Pros

$0 annual, transfer, and foreign transaction fees
Includes a welcome bonus offer
Protection for lost or stolen cards
Downloadable purchase records for easy bookkeeping

Cons

No 0% Intro APR offer
Requires an excellent credit score
Lacks premium perks

Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
$0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both

Why We Like It

Capital One Spark Cash Select has a balance transfer fee of $0, making it ideal for those who need to consolidate debts from other credit cards. It also lets you earn unlimited cash back, which you can redeem as a statement credit or a check. On top of that, you can enjoy the benefits that come with Capital One Travel, including best prices on thousands of trip options.

5% cash back on hotels and car rentals booked through Capital One Travel
1.5% cash back on all purchases

$0 annual fee
$500 cash bonus after spending $4,500 on purchases within the first 3 months from account opening

Ink Business Preferred^® Credit Card: Best for High Credit Limit With High Welcome Offer

card_name

BEST FOR:

Maximizing travel rewards at a lower annual fee

on card_name's secure website.

Intro APR

intro_apr_rate,intro_apr_duration

Regular APR

reg_apr,reg_apr_type

Annual Fee

annual_fees

Credit Needed

credit_score_needed

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

Intro APR

intro_apr_rate,intro_apr_duration

Regular APR

reg_apr,reg_apr_type

Annual Fee

annual_fees

Credit Needed

credit_score_needed

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

The Ink Business Preferred^® Credit Card is a great option if you need a high credit limit. As a welcome offer, you can earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. 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.

5× points per dollar on Lyft rides through March 2025
3× points per dollar on the first $150,000 spent in combined purchases in the following categories each account anniversary year:
- Shipping purchases
- Advertising purchases made with social media sites and search engines
- Internet, cable, and phone services
- Travel
1× point per dollar on everything else

25% more rewards value when you redeem for travel through Chase Travel^SM
Travel benefits, like trip cancellation/trip interruption insurance
1:1 point transfer value when you transfer your points to any participating frequent travel programs
Chase Pay Over Time® lets you pay off an eligible purchase Purchases must be $100 or more to be eligible for Chase Pay Over Time® in smaller, equal monthly payments with no interest—just a fixed monthly fee—within three to 24 months

American Express^® Business Gold Card: Best for Premium Rewards on Your Top Two Expense Categories

American Express® Business Gold Card

BEST FOR:

Maximizing rewards in the two categories where you spend the most

Apply Now

on American Express® Business Gold Card's secure website.

Intro APR

0% on purchases

Regular APR

18.74% - 27.74% Variable

Annual Fee

$375

Credit Needed

Excellent, Good

Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Pros

Earn 4x points in two categories every month
Pay eligible charges over time with interest, or pay your balance in full monthly

Cons

You’ll pay a high annual fee
No interest-free financing opportunities

Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

Intro APR

0% on purchases

Regular APR

18.74% - 27.74% Variable

Annual Fee

$375

Credit Needed

Excellent, Good

Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Pros

Earn 4x points in two categories every month
Pay eligible charges over time with interest, or pay your balance in full monthly

Cons

You’ll pay a high annual fee
No interest-free financing opportunities

Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)