9 Business Credit Cards With No Foreign Transaction Fee for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
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
- Chase Ink Business Preferred®: Best for shipping and online advertising
- Capital One® Spark® Classic for Business: Best for credit building and earning fixed-rate cash back
- Capital One® Spark® Miles for Business: Best for earning 2x miles rewards on everyday purchases
- American Express Business Platinum Card®: Best for international luxury travel and airport lounge access
- Marriott Bonvoy BusinessTM American Express® Card: Best for stays at Marriott properties outside the United States 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
- UnitedSM Business Card: Best for one free checked bag and priority boarding
- Wyndham Rewards Earner® Business Card: Best for earning 8x points at Wyndham Hotels and Resorts and on gas purchases
The COVID-19 pandemic may affect some of the services and benefits of these travel credit cards. Be sure to check the issuer’s website and the Centers for Disease Control and Prevention (CDC) for the latest information on travel safety and requirements.
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
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
17.99% - 27.99% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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 on all purchases everywhere, every time - no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- 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 17.99% to 27.99% 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
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 17.99% to 27.99%.
- 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.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
17.99% - 27.99% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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 on all purchases everywhere, every time - no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- 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 17.99% to 27.99% 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
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 17.99% to 27.99%.
- 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: 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. 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. Plus, it has no annual fee and offers a 0% APR period for the first nine billing cycles.
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. You can also earn a sign-up bonus of 30,000 points if you spend $3,000 within the first three months of card ownership. It’s also one of our top-recommended business credit cards for travel.
Other Features and Benefits
- 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.
- 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.
Read our Bank of America business checking account review for more information on overdraft protection.
Chase Ink Business Preferred®: Best for Shipping & Online Advertising
Ink Business Preferred® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
20.74% - 25.74% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $15,000 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
- No 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 sign-up bonus
- 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
N/A
Regular APR
20.74% - 25.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Earn 100k bonus points after you spend $15,000 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
- No 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 sign-up bonus
- 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 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 and on internet, cable, phone, and travel. What’s more, you can earn 1x point per dollar on all other purchases.
You can even get 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, it lacks an introductory 0% APR. If you’re a consultant who often travels internationally, it may also be a good fit, as it’s named one of our best business credit cards for consultants.
Other Features and Benefits
- 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 is allowed: You can transfer points to leading frequent travel programs at full 1:1 value, meaning 1x point equals 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.
Capital One® Spark® Classic for Business: Best for Credit Building & Earning Fixed-rate Cash Back
Capital One® Spark® Classic for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those with fair credit
Intro APR
N/A
Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Needed
Fair
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No sign-up bonus
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: if your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Intro APR
N/A
Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Needed
Fair
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No sign-up bonus
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: if your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
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. It’s our leading business credit card for fair credit, making it suitable for business owners with fair or limited credit. Plus, 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. However, it comes with a high APR, so it’s best to treat this card as a charge card and pay the balance each statement period to avoid unnecessary interest expenses.
Other Features and 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—such as jump-starting, tire changing, and towing.
- Downloadable purchase records: You can securely download your purchase records into different formats, including Quicken, QuickBooks, and Excel.
Our Quicken review and QuickBooks Online review have more information on the platforms’ features and prices.
Capital One® Spark® Miles for Business: Best for Earning 2x Miles Rewards on Everyday Purchases
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- $100 credit for Global Entry or TSA Pre✓
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
N/A
Regular APR
25.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- $100 credit for Global Entry or TSA Pre✓
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
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 of 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 top-recommended credit card for miles. Note that it comes with a slightly high APR and doesn’t offer a no-interest introductory period.
Other Features and Benefits
- $100 travel credit: You’ll receive up to $100 credit for Global Entry or TSA Pre✓® 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, CO, and Washington, D.C.
- Extended warranty and protection: Receive additional warranty and protection on eligible items purchased with your card.
If you’re looking for a Capital One business credit card with 0% APR and travel rewards, you may be interested in the Capital One® Spark® Miles Select for Business. It has no foreign transaction fees but offers slightly lower miles rewards. Check out our Capital One® Spark® Miles Select for Business review to see if it’s a good fit.
American Express Business Platinum Card®: Best for International Luxury Travel & Airport Lounge Access
The Business Platinum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 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 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.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $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.
- $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
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 1,300 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.
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 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 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.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $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.
- $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
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 1,300 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: The American Express Business Platinum Card® is one of the top business credit cards for luxury international travel. You can access over 1,400 airport lounges globally, making it our best business credit card with airport lounge access. This, along with other travel benefits like up to $100 credit for Global Entry or TSA PreCheck fees and $189 credit for CLEAR® Plus membership, justifies the card’s high annual fee of $695.
You can earn 5x points on flights and prepaid hotels booked through Amex Travel. You can also earn 1.5x points per dollar on purchases of $5,000 or more and on shipping, construction materials, hardware supplies, electronic goods, and software and cloud systems, then 1x point on all other purchases. As a sign-up bonus, you’ll receive 120,000 points when you spend $15,000 within the first three months of card membership.
Other Features and Benefits
- $200 airline fee credit: Receive up to $200 in credits per year for incidental fees, such as checked bags and in-flight refreshments.
- 35% points back: Get 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).
Marriott Bonvoy BusinessTM American Express® Card: Best for Stays at Marriott Properties Outside the US & 4x Points Rewards at Restaurants Worldwide
Marriott Bonvoy Business® American Express® Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 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.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 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 Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- 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 US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 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.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 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 Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- 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 US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Why we like it: If you enjoy staying at Marriott hotels when doing business abroad, earn points with the Marriott Bonvoy BusinessTM American Express® Card and redeem them toward any participating Marriott hotel worldwide. You can earn 6x points at any participating Marriott Bonvoy hotels and 4x points at restaurants worldwide. Plus, earn 4x points at US gas stations, shipping, and wireless phone services and 2x points on all other eligible purchases.
You can also get 75,000 bonus Marriott Bonvoy points after spending $3,000 in the first three months from opening an account. The card has 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. This allows you to benefit from priority late checkout when available and 25% bonus points on stays.
Other Features and Benefits
- 7% Marriott Bonvoy® Room Rate Discount: Book your stay at participating Marriott Bonvoy locations and receive a 7% discount off standard rates for standard guest rooms.
- Premium internet access: Enjoy complimentary in-room, premium internet access while staying at hotels participating in the Marriott BonvoyTM program.
- Marriott Bonvoy Air+Car Transfer program: This allows you to redeem your rewards points for flights and car rentals across hundreds of travel partners worldwide.
- Purchase protection: When you charge an eligible purchase on your card, your 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 Earning Up to 12x Points at Hilton Hotels & 3x Points on International Purchases
The Hilton Honors American Express Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
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.
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
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: 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 3x points on foreign transactions. You’ll also earn 6x points at US restaurants, gas stations, wireless phone services, shipping, flights booked directly with airlines or with Amex Travel, and select car rentals and 3x points on all other purchases.
For a low annual fee of $95, you can get 10 complimentary visits to a selection of over 1,200 airport lounges each year after you enroll in Priority Pass™ Select Membership. Additionally, you’ll earn 165,000 Hilton Honors bonus points after spending $5,000 in purchases in the first three months of card ownership (this offer ends on April 5, 2023).
Other Features and Benefits
- Free Weekend Nights’ Stays: Receive a free weekend night after spending $15,000 in a calendar year and a second night if you spend $60,000 in one calendar year.
- 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.
UnitedSM Business Card: Best for One Free Checked Bag & Priority Boarding
United℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent United Airlines flyers who want to earn travel rewards
Intro APR
N/A
Regular APR
21.24% - 28.24% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- Doesn’t charge annual transaction fees
- With generous sign-up bonus
- High rewards rate
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Charges annual fees during the second year
- Need to pay separately for unlimited access to United Club
- Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
- Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
- Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
- Lost luggage reimbursement: if your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
- Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.
Intro APR
N/A
Regular APR
21.24% - 28.24% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- Doesn’t charge annual transaction fees
- With generous sign-up bonus
- High rewards rate
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Charges annual fees during the second year
- Need to pay separately for unlimited access to United Club
- Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
- Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
- Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
- Lost luggage reimbursement: if your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
- Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.
Why we like it: If you take international business trips with United Airlines frequently, you can earn lucrative rewards with the UnitedSM 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 ClubSM one-time passes each year—all for a low annual fee of $99, which is waived for the first year.
It offers 2x miles per dollar spent on United purchases, including flights, 2x miles per dollar spent on dining, gas, office supplies, and local transits, and 1x mile on all other purchases. You can also earn 75,000 bonus miles when you spend $5,000 within the first three months of card membership.
Other Features and Benefits
- 25% cash back on inflight purchases: Receive 25% back as a statement credit on purchases for food, beverages, and Wi-Fi onboard 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.
If you want free access to all United Club locations and participating Star AllianceTM affiliated lounges worldwide, you may benefit more from the United ClubSM Business Card. It charges a higher annual fee of $450, which includes a United Club membership that’s valued at $650 per year. For more details, refer to our United Club Business Card review.
Wyndham Rewards Earner® Business Card: Best for Earning 8x Points at Wyndham Hotels and Resorts & on Gas Purchases
Wyndham Rewards Earner® Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who frequently stay at Wyndham hotels
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.49%, 24.49% or 29.49% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
- No foreign transaction fees
- Earn 8x points on eligible purchases at Hotels by Wyndham and at qualifying gas stations
Pros
- Sign-up bonus
- Premium rewards
- Anniversary bonus
Cons
- Limited 0% APR period
- No 0% APR period on balance transfers
- No $0 annual fee period
- Annual bonus: Receive 15,000 bonus points each anniversary year
- Automatic Diamond-level benefits: Cardholders are upgraded to a Wyndham Rewards Diamond member level automatically
- go free®: Redeem 10% fewer Wyndham rewards points for go free® awards
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.49%, 24.49% or 29.49% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
- No foreign transaction fees
- Earn 8x points on eligible purchases at Hotels by Wyndham and at qualifying gas stations
Pros
- Sign-up bonus
- Premium rewards
- Anniversary bonus
Cons
- Limited 0% APR period
- No 0% APR period on balance transfers
- No $0 annual fee period
- Annual bonus: Receive 15,000 bonus points each anniversary year
- Automatic Diamond-level benefits: Cardholders are upgraded to a Wyndham Rewards Diamond member level automatically
- go free®: Redeem 10% fewer Wyndham rewards points for go free® awards
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 5x points per dollar spent on marketing, advertising, and utilities and 1x point on all other purchases (excluding Wyndham Vacation Club down payments). Plus, receive 45,000 bonus points when you spend $2,000 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 Diamond level status and benefit from perks like suite upgrades and welcome amenities at check-in. On top of that, you can take advantage of the 0% introductory APR for six months on qualifying Wyndham timeshare purchases.
Other Features and Benefits
- Annual bonus: Receive 15,000 bonus points each account anniversary year.
- go free® awards: Receive a 10% redemption discount when redeeming your rewards for go free® awards.
- Cardmember booking discount: Take advantage of the exclusive Best Available Rate for cardmembers when you book stays at participating Hotels by Wyndham.
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 rewards, flexible use, cash back rewards, and no limitations on purchases. 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.
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.
