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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.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
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.
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.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
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 All-around perks and points | $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 |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.8/5 Best for Flat-rate rewards | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
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 Delta frequent flyers | $0 intro for the first year, then $150 | 1x-2x Miles | 55,000 Miles | Apply now on American Express' website Rates & Fees |
| 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 All-around perks and points | $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 |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.8/5 Best for Flat-rate rewards | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
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 Delta frequent flyers | $0 intro for the first year, then $150 | 1x-2x Miles | 55,000 Miles | Apply now on American Express' website Rates & Fees |
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I'M INTERESTED IN:
Our pick for
All-around perks and points
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
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
- 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
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
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
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
Flat-rate rewards
Capital One Spark Miles for Business
Apply now
on Capital One's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
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
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
View Rates & Fees
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
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
150,000 Points
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
Delta frequent flyers
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
Pros
- Free checked bag
- Early boarding
- Bonus categories
Cons
- Has annual fee
- Limited redemptions
- Requires good/excellent credit
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x Miles
Intro offer
55,000 Miles
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
NerdWallet's 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 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the 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 18.49%-28.49% 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
. (See rates and fees.) 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 $150
. 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 April 26, 2024
