5 Business Credit Cards With No Foreign Transaction Fee
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When you use your credit card while traveling overseas for business, you’re likely to come up against foreign transaction fees. These fees, also known as international transaction fees, are charged by your credit card issuer and can be as high as 3%. However, there are several business credit cards available with no foreign transaction fee. Cards without this fee can save you a significant amount of money, especially if you’re using your business credit card to pay for hotel stays or several smaller transactions while away.
There is also a range of business cards that comes with points or cash-back rewards in addition to not charging foreign transaction fees. Depending on your needs, you can choose from cards that also offer hotel perks, points on qualifying purchases or 0% intro APRs.
Here are our top picks for business credit cards with no foreign transaction fees.
Bear in mind that a few of our selections for the best business credit cards with no foreign transaction fee credit cards can be applied for through NerdWallet directly, although some cannot. We’ve provided links for credit cards from our partners that allow you to apply directly through NerdWallet, as well as a full list of our top picks.
When you use your credit card while traveling overseas for business, you’re likely to come up against foreign transaction fees. These fees, also known as international transaction fees, are charged by your credit card issuer and can be as high as 3%. However, there are several business credit cards available with no foreign transaction fee. Cards without this fee can save you a significant amount of money, especially if you’re using your business credit card to pay for hotel stays or several smaller transactions while away.
There is also a range of business cards that comes with points or cash-back rewards in addition to not charging foreign transaction fees. Depending on your needs, you can choose from cards that also offer hotel perks, points on qualifying purchases or 0% intro APRs.
Here are our top picks for business credit cards with no foreign transaction fees.
Bear in mind that a few of our selections for the best business credit cards with no foreign transaction fee credit cards can be applied for through NerdWallet directly, although some cannot. We’ve provided links for credit cards from our partners that allow you to apply directly through NerdWallet, as well as a full list of our top picks.
Business Credit Cards With No Foreign Transaction Fee From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
The Business Platinum Card® from American Express Apply now on American Express' website | Best for All-around perks and points | $695 | 1x- Points | 120,000 Points | Apply now on American Express' website |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | Best for No annual fee | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Capital One Spark Miles for Business Apply now on Capital One's website | Best for Flat-rate rewards | $0 intro for the first year, then $95 | 2x- Points | 50,000 Points | Apply now on Capital One's website |
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website | Best for Hotel rewards | $125 | 2x- Points | 125,000 Points | Apply now on American Express' website |
Delta SkyMiles® Gold Business American Express Card Apply now on American Express' website | Best for Delta frequent flyers | $0 intro for the first year, then $99 | 1x- Miles | 50,000 Miles | Apply now on American Express' website |
Our pick for
All-around perks and points
on American Express' website
on American Express' website
$695
1x-5x
Points
120,000
Points
Pros
Lounge membership
Transfer partners
Bonus categories
Automatic elite status
Premium travel protections
Cons
High annual fee
Complicated rewards
Requires good/excellent credit
Pros
Lounge membership
Transfer partners
Bonus categories
Automatic elite status
Premium travel protections
Cons
High annual fee
Complicated rewards
Requires good/excellent credit
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 value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
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.
- View Rates & Fees
Our pick for
No annual fee
on Bank of America's website
on Bank of America's website
$0
1.5x
Points
30,000
Points
Pros
No annual fee
New cardholder bonus offer
No reward caps
No foreign transaction fees
Intro APR period
Cons
Requires excellent credit
Pros
No annual fee
New cardholder bonus offer
No reward caps
No foreign transaction fees
Intro APR period
Cons
Requires excellent credit
Earn 30,000 online bonus points after you make at least $3,000 in net 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. Points don't expire.
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 16.74% to 26.74% 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.
Our pick for
Flat-rate rewards
on Capital One's website
on Capital One's website
$0 intro for the first year, then $95
2x-5x
Points
50,000
Points
Pros
High rewards rate
No minimum redemption amount
Cons
Has annual fee
No Intro APR period
High APR
Pros
High rewards rate
No minimum redemption amount
Cons
Has annual fee
No Intro APR period
High APR
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Our pick for
Hotel rewards
on American Express' website
on American Express' website
$125
2x-6x
Points
125,000
Points
Pros
Anniversary perk
High rewards rate
Automatic elite status
Cons
Has annual fee
Rewards have limited flexibility
Lower acceptance abroad
Pros
Anniversary perk
High rewards rate
Automatic elite status
Cons
Has annual fee
Rewards have limited flexibility
Lower acceptance abroad
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
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.
- View Rates & Fees
Our pick for
Delta frequent flyers
on American Express' website
on American Express' website
$0 intro for the first year, then $99
1x-2x
Miles
50,000
Miles
Pros
Free checked bag
Early boarding
Bonus categories
Cons
Has annual fee
Limited redemptions
Requires good/excellent credit
Pros
Free checked bag
Early boarding
Bonus categories
Cons
Has annual fee
Limited redemptions
Requires good/excellent credit
Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.
- View Rates & Fees
FULL LIST OF EDITORIAL PICKS: BUSINESS CREDIT CARDS WITH NO FOREIGN TRANSACTION FEE
To access each of our full-length reviews, click on the name of the card. Be sure to confirm details on the card issuer’s website before applying.
Our pick for: All-around benefits
It’s hard to beat The Business Platinum Card® from American Express, both for avoiding foreign transaction fees and for overall cardholder perks. This card provides major opportunities to earn points on travel, plus decent points for everyday purchases—all without charging foreign transaction fees.
Cardholders get five times the points when they book flights and prepaid hotel stays through amextravel.com. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms Apply. The yearly fee on this card is steep, however, at $695. But so long as you make the most of what this card has to offer, the fee may be worth it. Read our review.
Our pick for: No annual fee
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card earns you 1.5 points for every dollar spent. Better still, it provides you with 3 points per dollar when you make travel purchases through the Bank of America® Travel Center website. Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
This card has a $0 annual fee, and offers 0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 16.74%-26.74% Variable APR. Bear in mind that this card requires excellent credit. Read our review.
Our pick for: Flat-rate rewards
The Capital One Spark Miles for Business offers a straightforward foreign-transaction-fee-free card. You’ll get unlimited 2x miles for every dollar spent on card purchases without any limitations on spending categories. These miles don’t expire for as long as the account remains open, and you can transfer them to more than 15 travel loyalty programs for domestic and international airlines.
In addition to the Capital One Spark Miles for Business being direct about how you earn and use miles, it also offers other helpful perks, such as a credit for either the TSA Pre✓® or Global Entry application fee. The annual fee is $0 intro for the first year, then $95. Read our review.
Our pick for: Hotel rewards
The Marriott Bonvoy Business® American Express® Card offers significant opportunities to earn points. This includes 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program, 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. providers and shipping purchases made within the United States. All other eligible purchases earn 2x points.
This card also comes with one Free Night Award at a participating Marriott Bonvoy hotel after your account anniversary, and the opportunity to earn another Free Night Award when you spend $60,000 or more in purchases within a calendar year. You’ll also get complimentary Marriott Bonvoy Gold Elite status. Terms apply. Read our review.
Our pick for: Frequent Delta flyers that want benefits
If you’re a frequent Delta flyer and want to avail yourself of bonus miles, discounts on flights and miles from qualifying purchases, plus avoid a foreign transaction fee, the Delta SkyMiles® Gold Business American Express Card is a good option. This card offers practical perks, such as one free bag when flying Delta. Terms apply.
Other airline cards may offer more perks, including annual companion certificates and lounge access, but also come with higher fees. The Delta SkyMiles® Gold Business American Express Card has an annual fee of $0 intro for the first year, then $99. This card balances lower fees with practical perks, which can be a good middle ground between a fee-free card and a higher-fee option. Read our review.
Using business credit cards internationally
Which business credit cards work around the world?
This depends on the merchant. The four major U.S. issuers all have merchants that accept their credit cards around the world, but some countries may have more than others.
Outside of the United States, Visa and Mastercard tend to dominate in terms of merchant acceptance. American Express has a global presence as well, but it’s smaller than its competitors. Smaller merchants are less likely to accept American Express, but larger businesses may be more likely to do so.
When should I use dynamic currency conversion?
In most cases, dynamic currency conversion exchange rates are higher than those your card issuer would charge when converting a purchase in a local currency to U.S. dollars. Your payment network takes care of conversions at a fair exchange rate when you use local currency transactions. Dynamic currency conversion, however, usually comes with a more expensive exchange rate. If your credit card comes with a foreign transaction fee, you’ll still have to pay it even if you use dynamic currency conversion.
Are chip-and-PIN cards necessary abroad?
Chip-and-PIN systems add a layer of security to credit card transactions that takes the place of signing a receipt as part of a transaction. You’ll be able to use your chip-enabled credit card overseas, but unless you also have a PIN on the card, you will not be able to use this technology. You can still use your card and provide a signature instead.
Last updated on March 30, 2023
