9 Business Credit Cards With No Foreign Transaction Fee

Editor’s note: This is a recurring post with regularly updated card details.

The best business credit cards with no foreign transaction fee offer premium cash back or travel rewards and perks—like free checked baggage, online reporting, and purchase insurance. To choose the right business credit card with no foreign transaction fee, you need to consider the type of rewards you prefer to earn, the card’s additional features, and whether you’re willing to pay annual fees.

Here are the nine 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
• Capital One® Spark® Miles for Business: Best for easy miles rewards
• American Express Business Platinum Card®: Best for luxury travel and airport lounge access
• Chase Ink Business Preferred®: Best for shipping and online advertising
• Marriott Bonvoy Business® American Express® Card: Best for stays at Marriott properties outside the United States.
• Hilton Honors American Express® Business Card: Best for stays at Hilton hotels and resorts outside the US.
• United^SM Business Card: Best for one free checked bag and priority boarding
• Wyndham Rewards Earner® Business Card: Best for stays at Wyndham hotels and resorts outside the US.
• Capital One® Spark® Classic for Business: Best for credit building and earning fixed-rate cash back

To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.

Bank of America Business Advantage Travel Rewards World Mastercard®: Overall Best No Foreign Transaction Fee Business Credit Card

Why we like it: The Bank of America Business Advantage Travel Rewards World Mastercard® is our best overall business credit card with no foreign transaction fee because it offers an easy rewards program with no annual fee. You get 1.5x points for every dollar spent on any business purchase, and if you book your travel through the Bank of America® Travel Center, you earn 3x points for every dollar spent.

If you have a business checking account with Bank of America and qualify for its highest tier, Preferred Rewards for Business, you can earn up to 75% more points on every purchase. Plus, it offers a sign-up bonus of 30,000 points if you spend $3,000 within the first three months of card ownership and comes with no annual fee and a low starting APR of 12.49%, which is the lowest APR among all other cards on this list. Because of those reasons, this card is also one of our top-recommended business credit cards for travel.

Other important benefits of the Bank of America Business Advantage Travel Rewards World Mastercard® include

• Overdraft protection: If you have a Bank of America business checking account, you can link your credit card through Balance Connect™ to help prevent declined purchases, returned checks, or other overdrafts.
• Cash flow management tools: The card comes with several online services that can help you manage your business smoothly, including automatic payments, transfers, and QuickBooks integration.
• Travel and emergency services: You can take advantage of travel services, such as travel accident insurance of up to $1 million, lost luggage reimbursement, trip cancelation coverage, and trip delay reimbursement.

Capital One® Spark® Miles for Business: Best for Easy Miles Rewards

Why we like it: The Capital One® Spark® Miles for Business is a great option if you prefer a card with a low annual fee and want to earn unlimited travel rewards that can be redeemed for flights, hotel stays, and vacation packages. Earn an unlimited 2x miles on every business purchase and 5x miles when you book with Capital One Travel for hotel and rental cars with no blackout dates, seat restrictions, or minimum miles to redeem. Capital One also allows you to transfer miles to any of its 15+ travel partners.

As a welcome bonus, earn 50,000 miles―equal to $500 in travel―when you spend at least $4,500 within three months from opening an account. The card comes with a low annual fee of $95, which is waived for the first year. Its easy yet generous rewards program made it our best leading credit card for miles. Keep in mind, however, that it comes with a high APR of 21.24% and doesn’t offer a no-interest introductory period.

Here are the other benefits of the Capital One® Spark® Miles for Business:

• $100 travel credit: You’ll receive up to $100 credit for Global Entry or TSA PreCheck® every four years.
• Capital One lounge access: Get two complimentary visits per year at any of the Capital One lounges, such as Dallas-Fort Worth, Denver, and Washington, D.C.
• Extended warranty and protection: Receive additional warranty and protection on eligible items purchased with your card.

American Express Business Platinum Card®: Best for Luxury Travel & Airport Lounge Access

Why we like it: The American Express Business Platinum Card® is one of the top business credit cards for luxury international travel. Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Plus, you can earn 1.5X points (that’s an extra half point per dollar) on eligible purchases 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.

As a sign-up bonus, you’ll receive 120,000 points when you spend $15,000 within the first three months of card membership. In addition, you’ll enjoy a 0% introductory APR for 12 months on purchases that are eligible for the Pay Over Time feature. You can also access over 1,400 airport lounges globally, making it our best business credit card with airport lounge access. This, along with other travel benefits, justifies the card’s high annual fee of $695.

Other benefits you can enjoy with the American Express Business Platinum Card® include

• $200 airline fee credit:Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
• 35% points back: Receive 35% points back, up to one million points per year, when you use your rewards to book an eligible flight with Amex Travel.
• Trip delay, cancelation, and interruption insurance: You’re covered with insurance in case your trip is canceled, interrupted, or delayed for more than six hours due to a covered reason (check the terms and conditions manual that comes with the card for complete details).

Chase Ink Business Preferred®: Best for Shipping & Online Advertising

Why we like it: The Chase Ink Business Preferred® card is best for small businesses that spend a lot on international shipping and online advertising. You can earn 3x points per dollar on the first $150,000 in combined purchases per year spent on shipping and advertising on social media and search engines, as well as on internet, cable, phone, and travel. What’s more, you can earn 1x point per dollar on all other purchases.

You can even earn 100,000 bonus points when you spend $15,000 in the first three months of card ownership. The card comes with a low annual fee of $95; however, unlike the Capital One® Spark® Miles for Business, it doesn’t waive the annual fee for the first year. It’s also worth noting that this doesn’t offer an introductory 0% APR. But if you’re a consultant who travels internationally frequently, it may be a good fit as it’s named the best business credit card for consultants.

Here are the other advantages of the Chase Ink Business Preferred® card:

• Points are worth 25% more for travel: When you redeem your rewards for travel through Chase Ultimate Rewards®, your points are worth 25% more.
• Transfer of points are allowed: You can transfer points to leading frequent travel programs at full 1:1 value, meaning 1x point is equal to 1x partner mile.
• Trip cancelation and interruption insurance: When you use your card to pay for a trip, you’re covered with insurance in case that trip is canceled or interrupted.

Marriott Bonvoy Business® American Express® Card: Best for Stays at Marriott Properties Outside the US

Why we like it: If you enjoy staying at Marriott hotels when doing business abroad, earn points with the Marriott Bonvoy Business® American Express® Card and redeem them toward any participating Marriott hotel worldwide. You can earn 6x points at any participating Marriott Bonvoy hotels, 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. Plus, 2x points on all other eligible purchases.

You can also get 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. The card offers tons of travel perks with a low annual fee of $125. You can enjoy one free night stay each year after your account anniversary, and another free night after spending $60,000 in purchases in one calendar year.

In addition, you’ll receive complimentary Marriott Bonvoy Gold Elite status, take advantage of priority late checkout when available, and get 10% bonus points on stays.

Here are the other benefits of the Marriott Bonvoy Business® American Express® Card:

• Premium internet access: Enjoy a complimentary in-room, premium internet access while staying at hotels participating in the Marriott Bonvoy^TM program.
• Marriott Bonvoy Air+Car Transfer program: This program allows you to redeem your rewards points for flights and car rentals across hundreds of travel partners around the world.
• Purchase protection: When you charge an eligible purchase on your card, your purchased item is covered with purchase protection for up to 90 days from the purchase date when stolen or damaged.

Hilton Honors American Express® Business Card: Best for Stays at Hilton Hotels & Resorts Outside the US

Why we like it: The Hilton Honors American Express Business Card offers the best deal for business travelers who prefer to stay at Hilton locations. You can earn 12x points for purchases made directly with Hilton hotels and resorts and 6x points from restaurants, gas stations, wireless phone services, shipping, flights booked directly with airlines or with Amex Travel, and select car rentals. You’ll also earn 3x points on all other purchases, including foreign transactions.

For a low annual fee of $95, you can get a complimentary Hilton Honors Gold Status and enjoy more perks like an 80% bonus on all base points and space-available room upgrades. Additionally, receive a free night after spending $15,000 in a calendar year.

Here are the other benefits offered by the Hilton Honors American Express Business Card:

• 10 complimentary Priority Pass visits: Receive 10 complimentary visits to a selection of over 1,200 airport lounges each year when you enroll in Priority Pass™ Select Membership.
• Upgrade to Diamond status: Spend $40,000 in a calendar year to get Hilton Honors Diamond status through the end of the next calendar year.
• Extended warranty: Extend the original manufacturer’s warranty for up to one additional year for warranties of five years or less when you use your card to make the purchase.

United^SM Business Card: Best for One Free Checked Bag & Priority Boarding

Why we like it: If you take international business trips with United Airlines frequently, you can earn lucrative rewards with the United^SM Business Card. It’s a great option for travelers who check in a bag when flying, as it offers free checked bags—one for you and another for one traveling companion—allowing you to save up to $140 per roundtrip. In addition, cardmembers can take advantage of priority boarding when flying United-operated flights and two United Club^SM one-time passes each year—all for a low annual fee of $99.

It offers 2x miles per dollar spent on United purchases, including flights, 2x miles per dollar spent on dining, gas stations, office supplies, and commuting, and 1x mile on all other purchases. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

You can also enjoy the following travel benefits:

• 25% cash back on inflight purchases: Receive 25% back as a statement credit on purchases for food, beverages, and Wi-Fi on board United-operated flights.
• $100 United travel credit: Earn a $100 United travel credit after charging seven United flight purchases of $100 or more within each card anniversary year.
• Anniversary bonus: Receive 5,000 bonus miles each account anniversary year.

Wyndham Rewards Earner® Business Card: Best for Stays at Wyndham Hotels & Resorts Outside the US

Why we like it: The Wyndham Rewards Earner® Business Card is a good fit for business owners who primarily stay at Wyndham hotels and resorts. You can earn 5x points per dollar spent at Hotels by Wyndham and on qualifying gas purchases. You also get 2x points per dollar spent on dining and groceries, 1x point on all other purchases, and 30,000 bonus points when you spend $1,000 on purchases in the first 90 days of card ownership.

You can redeem your points at participating Wyndham Rewards properties and for online shopping and gift cards. With a low annual fee of $95, you’ll receive an automatic Wyndham Rewards Gold level status and benefit from perks like free Wi-Fi, preferred room selection, and late checkout. On top of that, you can also take advantage of the 0% introductory APR for six months on Wyndham timeshare purchases and 15 billing cycles on balance transfers.

Other advantages of the Wyndham Rewards Earner® Business Card include

• Annual bonus: Spend at least $15,000 each year and earn 7,500 bonus points.
• go free® awards: Receive a 10% redemption discount when redeeming your rewards for go free®.
• Discounted nights: Enjoy discounted night stays that start at 1,500 points plus some cash at participating properties.

Capital One® Spark® Classic for Business: Best for Credit Building & Earning Fixed-Rate Cash Back

Why we like it: The Capital One® Spark® Classic for Business is a straightforward business credit card that offers fixed 1% cash back on all purchases regardless of spending categories. You can also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. The card is suitable for business owners who have fair or limited credit, and you can build credit when you use it responsibly and make consistent on-time payments.

It allows you to earn unlimited rewards while helping you improve your credit score without having to pay an annual fee. Keep in mind, however, that the APR for this card is quite high at 26.99%, so it’s best to treat this card as a charge card and pay the balance each statement period to avoid unnecessary interest expenses.

You can also take advantage of the following benefits:

• Extended warranty: Receive free additional warranty and protection on eligible items that you purchase with your card.
• Roadside assistance: Take advantage of services that can help you during auto-related emergencies—these services include jump-starting, tire changing, and towing.
• Downloadable purchase records: You can securely download your purchase records into different formats, including Quicken, QuickBooks, and Excel.

How We Evaluated 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 rewards, flexible use, cash back rewards, and no limitations on purchases. While we prioritized cards that charge low annual fees, we also included one card with a high annual fee because the travel perks it offers justify the fee.

Bottom Line

The best business credit cards with no foreign transaction fees are those designed for 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. You may also consider other small business credit cards to find the most suitable one for your business.