The best business credit cards with no foreign transaction fees
Editor's Note
It pays to know the rules about foreign transaction fees before booking a trip abroad.
The nuisance of foreign transaction fees is increasingly rare on many of today's best business credit cards. However, a few big-name cards still charge an up to 3% fee for any purchase you make in a foreign country. You'll get hit with the fee even if a merchant uses a foreign credit card processor.
You get nothing in exchange, which means there's no benefit from paying this fee. Instead, use a card free of foreign transaction fees when traveling internationally or buying something online that could be run through an outside card processor.
You should have some personal cards that don't charge foreign transaction fees, but if international business travel is on your horizon, make sure you also carry at least one business credit card that won't erase all your reward earnings with a needless fee.
Here are some of the best business cards that don't charge foreign transaction fees.
Best business credit cards with no foreign transaction fees
- American Express® Business Gold Card (see rates and fees): Best for small-business expenses
- The Business Platinum Card® from American Express (see rates and fees): Best for travel perks
- Capital One Spark Cash Plus: Best for business cash back
- Capital One Spark Miles for Business: Best for simplicity and flexibility
- Citi® / AAdvantage Business™ World Elite Mastercard® (see rates and fees): Best for American Airlines travelers
- Delta SkyMiles® Gold Business American Express Card (see rates and fees): Best for casual Delta travelers
- Delta SkyMiles® Platinum Business American Express Card (see rates and fees): Best for frequent Delta travelers
- Delta SkyMiles® Reserve Business American Express Card (see rates and fees): Best for Delta Sky Club access
- The Hilton Honors American Express Business Card (see rates and fees): Best for Hilton stays
- Marriott Bonvoy Business® American Express® Card (see rates and fees): Best for Marriott stays
- Ink Business Preferred® Credit Card: Best for travel, shipping and advertising purchases
- Southwest® Rapid Rewards® Performance Business Credit Card (see rates and fees): Best for Southwest travelers
- United℠ Business Card (see rates and fees): Best for United travelers
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
American Express® Business Gold Card
Welcome offer: Earn 100,000 bonus points after spending $15,000 on purchases in the first three months of account opening. TPG values Membership Rewards points at 2 cents each, making this bonus worth $2,000.
Annual fee: $375 (see rates and fees)
Rewards and benefits: Earn 4 points per dollar each billing cycle on purchases in two select categories on the first $150,000 in combined purchases in these two categories each calendar year (then 1 point per dollar), 3 points per dollar on flights and prepaid hotels booked on AmexTravel.com and 1 point per dollar spent.
See our full card review for more information.
Apply here: American Express® Business Gold Card
The Business Platinum Card® from American Express
Welcome offer: Earn 200,000 Membership Rewards points after spending $20,000 in eligible purchases within the first three months of card membership.
TPG values Membership Rewards points at 2 cents each, making this bonus worth up to $4,000.
Annual fee: $895 (see rates and fees)
Rewards and benefits: Earn 5 points per dollar on airfare and prepaid hotels booked through American Express Travel, 2 points per dollar on eligible purchases in select business categories and eligible purchases of $5,000 or more (on up to $2 million of these purchases per calendar year) and 1 point per dollar on other purchases.
Receive complimentary access to Centurion and Priority Pass lounges, plus Delta Sky Clubs on same-day Delta flights*. You also get an up-to-$200 annual airline fee credit at one selected airline, Hilton Honors Gold elite status, Marriott Bonvoy Gold elite status, and over numerous business credits. Enrollment is required for select benefits.
See our full card review for more details.
*Eligible Platinum Card Members will receive 10 Visits per Eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight.
Apply here: The Business Platinum Card® from American Express
Capital One Spark Cash Plus
Sign-up bonus: Receive $2,000 cash back once you spend $30,000 on purchases in the first three months. Earn an additional $2,000 cash bonus for every $500,000 spent during the first year.
Annual fee: $150
Rewards and benefits: Earn unlimited 2% cash back on every purchase with no limits or category restrictions. Your cash rewards never expire. There's no spending limit, and employee cards are free.
See our full card review for more information.
Learn more: Capital One Spark Cash Plus
Capital One Spark Miles for Business
Sign-up bonus: Earn 50,000 bonus miles after spending $4,500 on purchases in the first three months of account opening. TPG valuations peg the value of Capital One Mile at 1.85 cents each, making this bonus worth $925.
Annual fee: $95, waived the first year
Rewards and benefits: Earn 5 miles per dollar on hotels and rental cars booked through Capital One's travel booking site, plus 2 miles per dollar on all purchases with no minimum for redeeming. Employee cards are free. You can transfer your miles to airline partners or redeem your miles at a fixed value of 1 cent apiece toward travel. You can also get a credit for a Global Entry or TSA PreCheck application fee (up to $120).
See our full card review for more information.
Learn more: Capital One Spark Miles for Business
Citi® / AAdvantage Business™ World Elite Mastercard®
Sign-up bonus: Earn 65,000 bonus miles after spending $4,000 on purchases within the first four months from account opening.
TPG values AAdvantage miles at 1.55 cents each, so the bonus is worth $1,008.
Annual fee: $99 (waived the first year; see rates and fees)
Rewards and benefits: Earn 2 miles per dollar on eligible American Airlines purchases and with telecommunications merchants, cable and satellite providers, car rental merchants and gas stations. You'll earn 1 mile per dollar spent on everything else.
Additionally, you and up to four companions traveling on the same reservation get a first checked bag free on domestic itineraries with American Airlines.
See our full card review for more information.
Apply here: Citi® / AAdvantage Business™ World Elite Mastercard®
Delta SkyMiles® Gold Business American Express Card
Welcome offer: Earn 60,000 bonus miles after spending $4,000 on purchases in the first six months of card membership. TPG values Delta SkyMiles at 1.2 cents each (as of October 2025), making this bonus worth $720.
Annual fee: $0 introductory annual fee for the first year, then $150 (see rates and fees)
Rewards and benefits: Earn 2 miles per dollar on Delta purchases, U.S. purchases for advertising in select media, U.S. shipping purchases (up to $50,000 in eligible purchases per category per year) and 1 mile per dollar on everything else.
Get Delta benefits, including a first bag checked for free for you and up to eight companions traveling on the same reservation, priority boarding, 20% off inflight purchases and more.
See our full card review for more information.
Apply here: Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
Welcome offer: Earn 70,000 bonus miles after spending $6,000 on purchases in the first six months of card membership, making this bonus worth $840 according to October 2025 TPG valuations.
Annual fee: $350 (see rates and fees)
Rewards and benefits: Earn 3 miles per dollar on Delta purchases and purchases made directly through hotels worldwide, 1.5 miles per dollar on eligible transit and U.S. shipping, plus single eligible purchases of $5,000 or more (up to $100,000 per calendar year) and 1 mile per dollar on everything else.
Get Delta benefits, including a companion certificate each year, a first bag checked for free for you and up to eight companions traveling on the same reservation, priority boarding and more.
See our full review for more information.
Apply here: Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
Welcome offer: Earn 80,000 bonus miles after spending $12,000 on purchases in the first six months of card membership, making this bonus worth $960 according to October 2025 TPG valuations.
Annual fee: $650 (see rates and fees)
Rewards and benefits: Earn 3 miles per dollar on Delta purchases and 1 mile per dollar on everything else. Additionally, earn 1.5 miles per dollar on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you've spent $150,000 in a calendar year.
Get Delta benefits, including a Resy credit on eligible U.S. purchases, a first bag checked for free for you and up to eight companions traveling on the same reservation, priority boarding and more. You will also enjoy complimentary Delta Sky Club* and Centurion Lounge access. Enrollment is required for select benefits.
*Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more
See our full card review for more information.
Apply here: Delta SkyMiles® Reserve Business American Express Card
The Hilton Honors American Express Business Card
Welcome offer: Earn 175,000 Hilton Honors bonus points after spending $8,000 on purchases in the first six months of card membership. According to TPG's valuations, the bonus is worth $875.
Annual fee: $195 (see rates and fees)
Rewards and benefits: Earn 12 points per dollar at Hilton properties, 5 points per dollar on other purchases on up to $100,000 per calendar year, then 3 points per dollar after. Cardmembers receive Hilton benefits, including up to $240 in Hilton statement credits and Hilton Gold elite status.
See our full card review for more information.
Apply here: The Hilton Honors American Express Business Card
Marriott Bonvoy Business® American Express® Card
Welcome offer: Earn up to 125,000 bonus points: 75,000 bonus points after spending $6,000 on purchases in the first six months of card membership and an additional 50,000 bonus points after spending an additional $3,000 in the first six months of card membership.
According to TPG valuations, the bonus is worth up to $875
Annual fee: $125 (see rates and fees)
Rewards and benefits: Earn 6 points per dollar of eligible purchases at hotels participating in the Marriott Bonvoy program and 4 points per dollar at restaurants worldwide and U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping purchases. You'll earn 2 Marriott Bonvoy Business® American Express® Card points per dollar on all other eligible purchases.
You'll get a Free Night Award every year after your cardmember anniversary and 15 elite night credits each year, which will get you Gold Elite status. Enrollment is required for select benefits.
See our full card review for more information.
Apply here: Marriott Bonvoy Business® American Express® Card
Ink Business Preferred® Credit Card
Sign-up bonus: Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening. TPG pegs the value of Chase Ultimate Rewards points at 2.05 cents each, making this bonus worth $1,845.
Annual fee: $95
Rewards and benefits: Earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping, social media advertising and internet, cable, and phone services each account anniversary year and 1 point per dollar on everything else. This card also offers cellphone insurance when you use it to pay your cellphone bill and primary rental car insurance when renting for business purposes. Employee cards are available at no additional cost.
See our full card review for more information.
Learn more: Ink Business Preferred® Credit Card
Southwest Rapid Rewards Performance Business Credit Card
Sign-up bonus: Earn 80,000 bonus points after spending $5,000 on purchases in the first three months from account opening. TPG values Southwest points at 1.4 cents each as of October 2025, so the bonus is worth $1,120.
Annual fee: $299
Rewards and benefits: Earn 4 points per dollar on Southwest Airlines purchases. Earn 2 points per dollar at gas stations and restaurants purchases, earn 2 points per dollar on hotel accommodations booked directly with the hotel, earn 2 points per dollar on local transit and commuting, including rideshare and 1 point per dollar on other purchases.
With the card, you'll earn up to 2,500 tier qualifying points toward Southwest elite status for every $5,000 you spend on the card annually. You'll also receive a statement credit of up to $120 every four years for the application fee to Global Entry or TSA PreCheck and can add employee cards free of cost.
See our full card review for more information.
Apply here: Southwest Performance Business Card
United Business Card
Sign-up bonus: Earn 75,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months from account opening. TPG values United miles at 1.4 cents each, so the bonus is worth $1,050.
Annual fee: $0 intro annual fee for the first year, then $150
Rewards and benefits: Earn 2 miles per dollar on United purchases, local transit and commuting, gas stations, office supply stores and restaurants, plus 1 mile per dollar elsewhere.
As a cardholder, you can check your first bag for free on United flights for you and one traveling companion. You'll also receive two one-time United Club passes (redeemable by the cardholder or authorized user) after opening an account and on each anniversary and earn 1 Premier qualifying point for every $20 spent (up to 4,000 PQPs per calendar year).
See our full card review for more information.
Apply here: United℠ Business Card
Bottom line
Understanding the rules surrounding foreign transaction fees is crucial when venturing abroad. Thankfully, many of today's top business credit cards have eliminated this nuisance, sparing users up to 3% of unnecessary charges. By opting for a card without foreign transaction fees, you can enjoy the benefits of international travel and online purchases without compromising your reward earnings or incurring additional expenses.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of the Business Platinum Card® from American Express, click here.
For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of the Hilton Honors American Express Business Card, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.