Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Business credit cards with no foreign transaction fees can be used all over the world for no additional charge. By opting for one of these cards, you’ll avoid a surcharge — usually around 3% — on any international purchases.
Dodging foreign transaction fees is great. But the best business credit card for you will pair those savings with benefits that line up with your international spending.
For instance, if you're frequently flying overseas for work,
The Business Platinum Card® from American Express
can make your travels more comfortable with access to 1,400 airport lounges across 140 countries (terms apply). If you purchase from a lot of international suppliers, the Capital One Spark Cash Select for Excellent Credit
might be a better fit. It’s one of the few cash-back business credit cards with no foreign transaction fee, plus it offers 1.5% rewards on all purchases with no annual fee. (See rates and fees.)Explore the cards below to find the best fit for your business.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Some 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.
Featured
NerdWallet Rating
5.0
Reward Rate
1x-5x
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Business credit cards with no foreign transaction fees can be used all over the world for no additional charge. By opting for one of these cards, you’ll avoid a surcharge — usually around 3% — on any international purchases.
Dodging foreign transaction fees is great. But the best business credit card for you will pair those savings with benefits that line up with your international spending.
For instance, if you're frequently flying overseas for work,
The Business Platinum Card® from American Express
can make your travels more comfortable with access to 1,400 airport lounges across 140 countries (terms apply). If you purchase from a lot of international suppliers, the Capital One Spark Cash Select for Excellent Credit
might be a better fit. It’s one of the few cash-back business credit cards with no foreign transaction fee, plus it offers 1.5% rewards on all purchases with no annual fee. (See rates and fees.)Explore the cards below to find the best fit for your business.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Some 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.
Featured
NerdWallet Rating
5.0
Reward Rate
1x-5x
Here are the best 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 Rates & Fees | 5.0/5 Best for Premium travel benefits | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.8/5 Best for No annual fee | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Hotel rewards | $125 | 2x-6x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Delta SkyMiles® Gold Business American Express Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Airline rewards | $0 intro for the first year, then $150 | 1x-2x Miles | 55,000 Miles | Apply now on American Express' website Rates & Fees |
U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Flexible travel booking options | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on US Bank's website Rates & Fees |
Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 Best for Bonus rewards on shipping | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
| 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 Rates & Fees | 5.0/5 Best for Premium travel benefits | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.8/5 Best for No annual fee | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Hotel rewards | $125 | 2x-6x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Delta SkyMiles® Gold Business American Express Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Airline rewards | $0 intro for the first year, then $150 | 1x-2x Miles | 55,000 Miles | Apply now on American Express' website Rates & Fees |
U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Flexible travel booking options | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on US Bank's website Rates & Fees |
Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 Best for Bonus rewards on shipping | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
Discover business products tailored to your needs
Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.
I'M INTERESTED IN:
Our pick for
Premium travel benefits
The Business Platinum Card® from American Express
Apply now
on American Express' website
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
With airport lounge access, elite hotel status and other travel perks, this card can help frequent travelers go in style.
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
With airport lounge access, elite hotel status and other travel perks, this card can help frequent travelers go in style.
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 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 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 each eligible purchase 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 statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $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 the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
View Rates & Fees
Our pick for
No annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Business travel cards with no annual fee are rare; this is one of them.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Business travel cards with no annual fee are rare; this is one of them.
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- 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, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- 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 18.49% to 28.49% 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
Hotel rewards
Marriott Bonvoy Business® American Express® Card
Apply now
on American Express' website
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
150,000 Points
This card pays for itself with an automatic Free Night Award each year. Terms apply.
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
150,000 Points
This card pays for itself with an automatic Free Night Award each year. Terms apply.
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 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. Award 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 Marriott Bonvoy Business® American Express® Card.
- Terms apply.
View Rates & Fees
Our pick for
Airline rewards
Delta SkyMiles® Gold Business American Express Card
Apply now
on American Express' website
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x Miles
Intro offer
55,000 Miles
Frequent fliers will appreciate free checked bags, priority boarding and an annual flight credit. Terms apply.
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x Miles
Intro offer
55,000 Miles
Frequent fliers will appreciate free checked bags, priority boarding and an annual flight credit. Terms apply.
Pros
- Free checked bag
- Early boarding
- Bonus categories
Cons
- Has annual fee
- Limited redemptions
- Requires good/excellent credit
- Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
View Rates & Fees
Our pick for
Flexible travel booking options
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Apply now
on US Bank's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Lots of travel cards reduce rewards rates when you make reservations outside the issuer's portal. This card pays 4X on all travel spending, regardless of where it's booked (and even higher if you use the issuer's portal).
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Lots of travel cards reduce rewards rates when you make reservations outside the issuer's portal. This card pays 4X on all travel spending, regardless of where it's booked (and even higher if you use the issuer's portal).
Pros
- Bonus categories
- Welcome offer
- Annual fee waived for the first year
Cons
- Requires good/excellent credit
- No intro APR offer
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Bonus rewards on shipping
Ink Business Preferred® Credit Card
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Are you a frequent importer or exporter? This card can help you rack up points on all those shipments.
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Are you a frequent importer or exporter? This card can help you rack up points on all those shipments.
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- Earn 100k bonus points after you spend $8,000 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 Travel℠
- 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 Travel℠
- 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
NerdWallet's editorial picks: Business credit cards with no foreign transaction fee
Be sure to confirm details on the card issuer’s website before applying.
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Best for: Flexible travel booking options
NerdWallet star rating:
5
The
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
delivers impressive rewards on travel, no matter where you book it. You'll earn 4x points on your first $150,000 in combined annual travel spend each year — plus, 5x points on hotels and rental cars booked directly with U.S. Bank's Rewards Portal. There's also a solid welcome offer and no annual fee for the first year ($95
after that). Learn more and apply.The Business Platinum Card® from American Express
Best for: Premium travel benefits
NerdWallet star rating:
5
The Business Platinum Card® from American Express
comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger nontravel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply.Chase Ink Business Preferred
Best for: Bonus rewards on shipping
NerdWallet star rating:
4.9
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 100,000 bonus points after you spend $8,000 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 Travel℠.
You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply.Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for: No annual fee
NerdWallet star rating:
3.8
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.Marriott Bonvoy Business® American Express® Card
Best for: Hotel rewards
NerdWallet star rating:
5
Marriott has hotels in 139 countries and territories, which means it will likely be an option for most of your business travel. The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic Free Night Award every year. Add in the included elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Learn more and apply. Delta SkyMiles® Gold Business American Express Card
Best for: Airline miles
NerdWallet star rating:
5
There are splashier Delta AmEx cards, with annual fees to match. But the
Delta SkyMiles® Gold Business American Express Card
delivers a welcome balance of perks vs. fees. You’ll earn bonus points on shipping, advertising and restaurants, as well as Delta flights. There’s also a $200 annual Delta flight credit when you spend at least $10,000 in a calendar year. And the $150
annual fee is waived for the first year. Terms apply. Learn more and apply.Which business credit cards work abroad?
Generally speaking, you should be able to use any business credit card abroad. However, international sellers may choose to not take cards that operate on specific payment networks. This is true in the U.S. as well.
There are four major U.S. payment networks: Visa, Mastercard, American Express and Discover. All have merchants that accept their credit cards around the world, but some countries may have more than others.
Visa and Mastercard tend to dominate in terms of merchant acceptance. American Express has a global presence as well, but it may be smaller than its competitors. Discover doesn’t currently offer business credit cards.
If you want the broadest payment coverage possible, getting a Mastercard or a Visa business credit card is likely your best bet. You can look on the card itself to see if it operates on either of these payment networks.
What other fees apply to international transactions?
When you buy something with a business credit card abroad, you may be presented with the option to pay in U.S. dollars or pay in local currency.
If you choose the local currency, the payment network (Visa, Mastercard or AmEx) will take care of converting the transaction into U.S. dollars at a set exchange rate. The fee for this service is usually around 1%. If you choose U.S. dollars, you’ll use what’s known as dynamic currency conversion, which may come with additional fees.
These costs are separate from foreign transaction fees, and they aren’t avoidable for companies that do business in multiple currencies. Dynamic conversion can help you better understand costs up front instead of waiting to see them in U.S. dollars on your bill later. But if you want to limit how much you spend in fees, making purchases in local currencies is likely the better bet.
To view rates and fees of
The Business Platinum Card® from American Express
, see this page.To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.To view rates and fees of the
Delta SkyMiles® Gold Business American Express Card
, see this page.Last updated on May 16, 2024
