9 Business Credit Cards With No Foreign Transaction Fee for 2022
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
- 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.
- UnitedSM 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
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
Intro APR
0% for 9 billing cycles
Regular APR
14.49% to 24.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit toward travel purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first nine billing cycles.
- Redeem points for travel with no blackout dates, cash back or gift cards.
- Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
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 12.24% to 22.24%.
- 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% for 9 billing cycles
Regular APR
14.49% to 24.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit toward travel purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first nine billing cycles.
- Redeem points for travel with no blackout dates, cash back or gift cards.
- Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
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 12.24% to 22.24%.
- 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 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
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
22.49% (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
- 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
22.49% (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
- 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 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
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
17.24% - 25.24% 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® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
- 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 $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
17.24% - 25.24% 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® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
- 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 $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. 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
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
18.24% - 23.24% 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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.
Pros
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Doesn’t offer an interest-free financing period
- Charges an annual fee
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
- Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.
Intro APR
N/A
Regular APR
18.24% - 23.24% 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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.
Pros
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Doesn’t offer an interest-free financing period
- Charges an annual fee
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
- Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.
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
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
18.74% - 27.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
- 6x points 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 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.
- 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
18.74% - 27.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
- 6x points 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 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.
- 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 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 100,000 Bonus Marriott Bonvoy Points after you use your new Card to make $4,000 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 BonvoyTM 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
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
18.74% - 27.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
- 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 US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend 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
- Low annual fee
- No foreign transaction fees
Cons
- Redemption options other than hotel stays are poor
- Balance transfers not allowed
- No 0% introductory APR
- Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
- Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
- Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
- Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
Intro APR
N/A
Regular APR
18.74% - 27.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
- 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 US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend 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
- Low annual fee
- No foreign transaction fees
Cons
- Redemption options other than hotel stays are poor
- Balance transfers not allowed
- No 0% introductory APR
- Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
- Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
- Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
- Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
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 weekend night after spending $15,000 in a calendar year and a second night if you spend $60,000 in one 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.
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
18.74% - 25.74% Variable
Annual Fee
$99
Credit Needed
- Earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months your account is open.
- 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
- Annual fee waived for the first year
- No foreign transaction fees
- Earn Premier Qualifying Points
Cons
- No 0% introductory APR
- Low ongoing travel rewards
- 25% back on United inflight purchases: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights.
- $100 United annual travel credit: Receive a $100 statement credit per year when you make a total of seven United flight travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): You will earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year.
Intro APR
N/A
Regular APR
18.74% - 25.74% Variable
Annual Fee
$99
Credit Needed
- Earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months your account is open.
- 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
- Annual fee waived for the first year
- No foreign transaction fees
- Earn Premier Qualifying Points
Cons
- No 0% introductory APR
- Low ongoing travel rewards
- 25% back on United inflight purchases: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights.
- $100 United annual travel credit: Receive a $100 statement credit per year when you make a total of seven United flight travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): You will earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year.
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.
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. You can also earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 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
Wyndham Rewards Earner® Business Card
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
15.99%, 19.99%, or 24.99% 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 automatically upgraded to a Wyndham Rewards Diamond member level.
- 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
15.99%, 19.99%, or 24.99% 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 automatically upgraded to a Wyndham Rewards Diamond member level.
- 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 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
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:
Fair credit business owners (580 to 669)
Intro APR
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited
- 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
- No annual fee
Cons
- No 0% introductory APR
- No sign-up bonus
- High APR
- Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
- Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.
Intro APR
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited
- 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
- No annual fee
Cons
- No 0% introductory APR
- No sign-up bonus
- High APR
- Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
- Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.
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.
