Advertiser Disclosure

Q&A: What’s a Good Business Credit Card for International Travel?

Business Credit Cards, Credit Cards, Travel Credit Cards
With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.

I need some advice. I have a small, nonprofit organization and I travel both domestically and abroad. I have an American Express business card, but many of the international destinations I go to don’t accept it. I’d like a Visa or MasterCard. Which of those two do you recommend? I’d prefer cash back to airline miles.

Your best bet is the Capital One® Spark® Cash Select for Business. It’s a Visa, so you don’t have to worry about the card’s acceptance internationally. It has no foreign transaction fee, so you don’t have to pay an extra 3% of whatever you purchase overseas – and given the cost constraints nonprofits face, 3% can make a big difference. The card gives cash back, so there’s no hassle there, and its annual fee is $0. Plus, it earns a full 1.5% back on every purchase you make – no bonus categories to deal with, which is helpful if you spend your money overseas. It’s simple, straightforward and great for travel.

If you’re working at a nonprofit, I also suggest that you check out our blog post on ways to avoid credit card processing fees on donations. Visa cuts its transaction fee on credit cards to 1.35% + $0.05, while participants in American Express’ Members Give program are charged 2.25%.

You can also get transaction fee-free donations through Capital One’s No Hassle Giving website, or a cool new startup called Frendo, which doesn’t charge for donations from a bank account.

You might also be interested in:

Got a question for the nerds? Drop us a line at cards@nerdwallet.com. Remember, there’s no question too obvious or too silly – if you’re wondering about it, you can bet that everyone else is, too.