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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 nine best business credit cards with no foreign transaction fees:
- Capital One Venture X Business: Overall best no foreign transaction fee business credit card with lucrative rewards and perks
- Ramp Card: Best corporate charge card with fixed-rate rewards and robust expense management system
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for fuel expenses and extended payment option
- Marriott Bonvoy Business® American Express® Card: Best for stays at Marriott properties outside the US and 4×points rewards at restaurants worldwide
- The Business Platinum Card® from American Express: Best for international luxury travel and airport lounge access
- Capital One Spark Miles for Business: Best for earning 2× miles rewards on everyday purchases
- Capital One Spark Cash Select: Best for $0 balance transfer fees
- Ink Business Preferred® Credit Card: Best for high credit limit with high welcome offer
- American Express® Business Gold Card: Best for premium rewards on your top two expense categories
- Overview of Business Credit Cards With No Foreign Transaction Fee
- Capital One Venture X Business: Overall Best No Foreign Transaction Fee Business Credit Card With Lucrative Rewards & Perks
- Ramp Card: Best Corporate Charge Card With Fixed-rate Rewards & Robust Expense Management System
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for Fuel Expenses & Extended Payment Option
- Marriott Bonvoy Business® American Express® Card: Best for Stays at Marriott Properties Outside the U.S. & 4× Points Rewards at Restaurants Worldwide
- The Business Platinum Card® from American Express: Best for International Luxury Travel & Airport Lounge Access
- Capital One Spark Miles for Business: Best for Earning 2× Miles Rewards on Everyday Purchases
- Capital One Spark Cash Select: Best for $0 Balance Transfer Fees
- Ink Business Preferred® Credit Card: Best for High Credit Limit With High Welcome Offer
- American Express® Business Gold Card: Best for Premium Rewards on Your Top Two Expense Categories
- How We Selected Business Credit Cards With No Foreign Transaction Fee
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of Business Credit Cards With No Foreign Transaction Fee
| Best For | Annual Fee | Ongoing Rewards | Credit Needed | ||
|---|---|---|---|---|---|
| Capital One Venture X Business | Overall best no foreign transaction fee business credit card with lucrative rewards and perks | $395 | Up to 10× miles | Excellent | Learn More |
 Ramp Card | Corporate charge card with fixed-rate rewards and robust expense management system | $0 | Up to 1.5% cash back on all purchases | Poor to Excellent | Apply Now |
 U.S. Bank Business Altitude® Connect Visa Signature® Card | Fuel expenses and extended payment option | $0 for the first year, then $95 after | Up to 5x points | Good to Excellent | APPLY NOW |
 Marriott Bonvoy Business® 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 | Apply NowRates & Fees |
 The Business Platinum Card® from American Express | International luxury travel and airport lounge access | $895 | Up to 5x points | Good to Excellent | Apply NowRates & Fees |
 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, Good | Learn More |
| Capital One Spark Cash Select | $0 balance transfer fees | $0 | Up to 5% cash back | Excellent | Learn More |
 Ink Business Preferred® Credit Card | High credit limit with high welcome offer | $95 | Up to 5x points | Good to Excellent | Learn More |
 American Express® Business Gold Card | Premium rewards on your top two expense categories | $375 | Up to 4× points | Good to Excellent | Apply NowRates & Fees |
To see how these credit cards stack up against others we have reviewed on our site, simply click Add to Compare on a credit card below and select up to two additional cards for comparison.
Capital One Venture X Business: Overall Best No Foreign Transaction Fee Business Credit Card With Lucrative Rewards & Perks
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
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® Connect Visa Signature® Card: Best for Fuel Expenses & Extended Payment Option
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
Why We Like It
U.S. Bank Business Altitude® Connect Visa Signature® Card 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 feeReceive 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 PassTM 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
| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $125 |
| Credit Needed | Excellent, Good |
Why We Like It
With Marriott Bonvoy Business® American Express® Card, you can 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. It also 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
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
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 1,550 airport lounges globally. Plus, you can enjoy travel perks such as $209 credit for CLEAR®. These benefits justify the card’s high annual fee of $895. 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
- 2× points per dollar on key business spending categories and eligible purchases of $5K or more (up to $2 million of these purchases per calendar year)
- 1× points per dollar on all other eligible purchases
- 200,000 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
Capital One Spark Miles for Business: Best for Earning 2× Miles Rewards on Everyday Purchases
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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 TravelSM
- 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 purchasePurchases 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
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $375 |
| Credit Needed | Excellent, Good |
Why We Like It
The American Express® Business Gold Card lets you earn premium rewards on the top two categories where you spend the most, making it ideal for businesses that have varied expenses every month. What’s more is that you can 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.
- 4× points on the first $150,000 in combined purchases on the top two business categories each calendar year. Qualifying business categories include the following:
- Purchases at US media providers for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at restaurants, including takeout and delivery
- U.S. purchases at gas stations
- Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- 3× points on flights and prepaid hotels booked on amextravel.com
- 1× points on all other eligible purchases
- 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.
- Up to $20 in statement credits monthly for eligible US purchases at FedEx, Grubhub, and office supply stores. This can be an annual savings of up to $240. Enrollment required.
- $155 credit for Walmart+ membership
- Travel benefits, like baggage insurance plan, trip delay insurance, and car rental loss and damage insurance
How We Selected Business Credit Cards With No Foreign Transaction Fee
Most business travel credit cards have $0 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 a few with high annual fees because the travel perks that come with the cards 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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
Marriott Bonvoy Business® American Express® Card
American Express The Business Platinum Card®
Delta SkyMiles® Gold Business Card
