The best business credit cards with no foreign transaction fees

Oct 2, 2019

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The nuisance of foreign transaction fees is increasingly rare on many of today’s best business credit cards, but there are still some big-name cards that charge a 3% fee (2.7% on some American Express cards) for any purchase you make in a foreign country. Even if a merchant just uses a foreign credit card processor, you’ll get hit with the fee. You get nothing in exchange, which means there’s no reason for you to pay this fee. Instead, you should leave any cards that charge a foreign transaction fee at home when you’re traveling internationally.

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’re also carrying 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 a foreign transaction fee.

Business credit cards with no foreign transaction fee

Card Best for Current Bonus Bonus Requirement
American Express® Business Gold Card (See Rates & Fees) Small-business expenses 35,000 Membership Rewards points Spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
The Business Platinum® Card from American Express (See Rates & Fees) Travel perks; purchases of $5,000 or more Up to 100,000 Membership Rewards points Earn 50,000 points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first three months of cardmembership.  Terms apply.
Capital One® Spark® Cash for Business Flat 2% cash back on all spending up to $2,000 $500 cash bonus  when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening.
Capital One® Spark® Miles for Business 5x miles on hotels and car rentals when booked through Capital One Travel, and 2x miles on all other purchases up to 200,000 Capital One miles 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening.
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® American Airlines flights 70,000 AAdvantage miles Spend $4,000 on purchases in the first four months
Gold Delta SkyMiles® Business Credit Card from American Express (See Rates & Fees) Delta flights 30,000 Delta SkyMiles Spend $1,000 on purchases in the first three months. Terms Apply.
Platinum Delta SkyMiles® Business Credit Card from American Express (See Rates & Fees) Delta flights 35,000 Delta SkyMiles
5,000 Medallion® Qualification Miles
Spend $1,000 on purchases in the first three months. Terms apply.

Delta Reserve for Business Credit Card (See Rates & Fees)

Delta flights 40,000 Delta SkyMiles
10,000 Medallion® Qualification Miles
Spend $3,000 on purchases in the first three months. Terms Apply.
The Hilton Honors American Express Business Card (See Rates & Fees) Hilton hotels 125,000 Hilton Honors points Spend $3,000 on purchases in the first three months. Terms apply.
Marriott Bonvoy Business™ American Express® Card (See Rates & Fees) Marriott hotels 75,000 bonus Marriott Bonvoy points Spend $3,000 in purchases within the first 3 months.Terms apply.
Chase Ink Business Preferred Credit Card Travel, shipping and advertising purchases 80,000 Ultimate Rewards points Spend $5,000 on purchases in the first three months
Southwest Rapid Rewards Premier Business Credit Card Southwest flights and points toward earning Companion Pass 60,000 Southwest points Spend $3,000 on purchases in the first three months
Southwest Rapid Rewards Performance Business Credit Card Southwest flights and points toward earning the Companion Pass 70,000 Southwest points Spend $5,000 on purchases in the first three months
United Explorer Business Card United Airlines flights Earn up to 100,000 bonus miles after qualifying purchases 50,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open and 50,000 bonus miles after you spend $25,000 total on purchases in the first six months your account is open.

American Express® Business Gold Card

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy.)

Bonus: Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

Rewards and Benefits: Earn 4 points per dollar each billing cycle on purchases in the two categories from the following list where your company spent the most in that billing cycle: airfare purchased directly from airlines, U.S. purchases for advertising in select media, U.S. purchases at gas stations, U.S. purchases for shipping, U.S. purchases at restaurants and U.S. purchases for computer hardware, software and cloud computing made directly from select providers. The bonus of 4x points applies to the first $150,000 in combined purchases from these two categories each calendar year. After this, and for all other purchases, you’ll earn 1 point per dollar spent. See our full card review for more information.

Annual Fee: $295 (see rates and fees)

The Business Platinum® Card from American Express

(Photo by Isabelle Raphael/The Points Guy)
The Business Platinum Card provides elite status at Hilton and Marriott, as well as access to the American Express Fine Hotels and Resorts program. (Photo by Isabelle Raphael/The Points Guy.)

Bonus: Earn up to 100,000 points; 50,000 points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 on qualifying purchases within your first three months of cardmembership. TPG values Membership Rewards points at 2 cents each, so the full bonus is worth about $2,000.

Rewards and Benefits: Earn 5 points per dollar on airfare and on prepaid hotels booked through American Express Travel, 1.5 points per dollar on purchases of $5,000 or more (up to 1 million extra points per year) and 1 point per dollar on everything else. Redeem points directly for first or business class, or for any seat on an airline you select, and get a 35% points rebate. Receive free access to Centurion and Priority Pass lounges, plus Delta Sky Clubs when you’re flying Delta and the Airspace and Escape lounges. You also get a $200 annual airline-fee credit, $200 of Dell statement credits annually, Hilton Honors Gold elite status, Marriott Bonvoy Gold elite status, and a Global Entry or TSA PreCheck application rebate every four years. See our full card review for more details.

Annual Fee: $595 (see rates and fees)

Capital One Spark Cash for Business

Bonus: Earn up to $2,000 in cash bonuses; $500 cash bonus  when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening.

Rewards and Benefits: Earn an unlimited 2% cash back on all purchases. Employee cards are free and you can redeem for any amount at any time. See our full card review for more details.

Annual Fee: $95 (waived the first year)

Capital One Spark Miles for Business

The Capital One Spark Miles for Business card is one of many that we
(Photo by Isabelle Raphael/The Points Guy.)

Bonus:  Earn up to 200,000 bonus miles; 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening. TPG’s valuations peg the value of Capital One miles at 1.4 cents each, so the bonus is valued at around $2,800 if you transfer your points to airline partners.

Rewards and Benefits: Earn 5x miles on hotels and car rentals when booked through Capital One Travel, and 2x miles on all other 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. To redeem your miles at a fixed rate, you can book new travel through Capital One or “erase” any eligible travel purchase you’ve made with your card in the last 90 days. See our full card review for more information.

Annual Fee: $95 (waived the first year)

CitiBusiness / AAdvantage Platinum Select World Mastercard

Bonus: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. TPG values American Airlines AAdvantage miles at 1.4 cents each, so the bonus is worth about $840.

Rewards and Benefits: Earn 2 miles per dollar on American Airlines purchases and with telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. You’ll earn 1 mile per dollar spent on everything else. You and up to four companions traveling on the same reservation get a first checked bag free on domestic itineraries with American Airlines. Plus, you can earn a companion certificate for domestic main-cabin travel for just $99 plus taxes and fees when you spend $30,000 in a cardmember year and account must remain open for at least 45 days after your anniversary date.

Annual Fee: $99 (waived the first year)

Gold Delta SkyMiles Business Credit Card from American Express

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy.)

Bonus: 30,000 bonus miles after you make $1,000 in purchases on your new card in your first three months. Plus, earn a $50 statement credit after you make a Delta purchase on your card in the first three months. TPG values Delta SkyMiles at 1.2 cents each, so the bonus is valued around $410 including the statement credit.

Rewards and Benefits: Earn 2 miles per dollar on Delta purchases and 1 mile per dollar on everything else. When traveling on flights marketed and operated by Delta, get a first bag checked for free for you and up to eight companions traveling on the same reservation, Main Cabin 1 priority boarding and 20% off inflight purchases.

Annual Fee: $95 (waived the first year) (see rates and fees)

Platinum Delta SkyMiles Business Credit Card from American Express

Bonus: 35,000 bonus miles and 5,000 Medallion Qualification Miles after you make $1,000 in purchases on your new card in your first three months. Plus, earn a $100 statement credit after you make a Delta purchase on your card in the first three months. TPG values Delta SkyMiles at 1.2 cents each, so the bonus is valued around $520 including the statement credit.

Rewards and Benefits: Earn 2 miles per dollar on Delta purchases and 1 mile per dollar on everything else. When traveling on flights marketed and operated by Delta, get a first bag checked for free for you and up to eight companions traveling on the same reservation, Main Cabin 1 priority boarding and 20% off inflight purchases.

Annual Fee: $195; $250 if application is received on or after 1/30/2020  (see rates and fees)

Delta Reserve for Business Credit Card

Bonus: 40,000 bonus miles and 10,000 Medallion Qualification Miles after you make $3,000 in purchases on your new card in your first three months. TPG values Delta SkyMiles at 1.2 cents each, so the bonus is valued around $480 including the statement credit.

Rewards and Benefits: Earn 2 miles per dollar on Delta purchases and 1 mile per dollar on everything else. When traveling on flights marketed and operated by Delta, get a first bag checked for free for you and up to eight companions traveling on the same reservation, Main Cabin 1 priority boarding and 20% off inflight purchases. You will also enjoy complimentary Delta Sky Club access.

Annual Fee: $450; $550 if application is received on or after 1/30/2020 (see rates and fees)

The Hilton Honors American Express Business Card

(Photo courtesy of American Express.)
(Photo courtesy of American Express.)

Bonus: Earn 125,000 Hilton Honors points after you spend $3,000 in purchases on the card in the first three months. TPG’s valuations peg the value of Hilton Honors points at 0.6 cents each, so the bonus is worth about $750.

Rewards and Benefits: Earn 12x points at Hilton properties; 6x on wireless services purchased directly from U.S. service providers and on U.S. purchases for shipping, at U.S. restaurants, at U.S.  gas stations, on flights booked directly with airlines or through Amex Travel and on car rentals booked directly through select rental car companies; and 3x on everything else. You’ll get a Priority Pass Select membership, Hilton Gold elite status and the possibility to earn Hilton Diamond elite status by spending $40,000 on your card. Plus, you can earn a free weekend night after spending $15,000 on the card in a calendar year and another after spending an additional $45,000 in the same year (a total of $60,000).

Annual Fee: $95 (see rates and fees)

Marriott Bonvoy Business™ American Express® Card

(Photo by Sara Wass/The Points Guy.)
(Photo by Sara Wass/The Points Guy.)

Bonus: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months. TPG values Marriott points at 0.8 cents each, so the bonus is worth about $600.

Rewards and Benefits: Earn 6x points at Marriott properties; 4x at US restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping; and 2x on everything else. You’ll get one free-night award for use at a 35,000-point or less property after each account anniversary, and can earn a second night by spending $60,000 in the previous calendar year. You’ll get 15 Elite Night Credits each year, which will get you Gold elite status. You can earn an upgrade to Marriott Bonvoy Gold elite status through the end of the next calendar year by spending $35,000 in a calendar year. There’s no fee for additional employee cards. See our full card review for more information.

Annual Fee: $125 (see rates and fees)

Ink Business Preferred Credit Card

(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas for The Points Guy)

Bonus: Earn 80,000 points after you spend $5,000 on purchases in the first three months from account opening. TPG pegs the value of Chase Ultimate Rewards points at 2 cents each, so the bonus is worth about $1,600.

Rewards and Benefits: Earn 3 points per dollar on the first $150,000 spent on travel, shipping, social media advertising and internet/cable/phone services each account anniversary year, plus 1 point per dollar on everything else. This card also offers cellphone insurance when you use it to pay your (and your employees’) cellphone bill, and primary rental car insurance when renting for business purposes. Employee cards are available at no additional cost. You can redeem your points through the Chase Ultimate Rewards portal, but you may be able to get more value by transferring them to partner airlines or hotels. See our full card review for more information.

Annual Fee: $95

Southwest Rapid Rewards Premier Business Credit Card

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Bonus: Earn 60,000 Rapid Rewards points when you spend $3,000 in the first three months. TPG values Southwest points at 1.5 cents each, so the bonus is worth about $900. Plus, these points can help you earn the Companion Pass.

Rewards and Benefits: Earn 2 points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partner purchases and 1 point per dollar on everything else. Receive 6,000 points after each cardmember anniversary, which TPG values at $90. Earn 1,500 Tier Qualifying Points toward Southwest elite status for every $10,000 you spend on the card annually (up to 15,000 TQPs).

Annual Fee: $99

Southwest Rapid Rewards Performance Business Credit Card

(Photo by Eric Helgas / The Points Guy)
(Photo by Eric Helgas / The Points Guy)

Bonus: Earn 70,000 Rapid Rewards points when you spend $5,000 on purchases in the first three months. TPG values Southwest points at 1.5 cents each, so the bonus is worth about $1,050. Plus, these points can help you toward earning the Companion Pass.

Rewards and Benefits: Earn 3 points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partner purchases, 2 points per dollar on social media and search engine advertising, internet, cable and phone services and 1 point per dollar on everything else. Receive 9,000 points after each cardmember anniversary, which TPG values at $135. Earn 1,500 Tier Qualifying Points toward Southwest elite status for every $10,000 you spend on the card annually (up to 15,000 TQPs).

Annual Fee: $199

United Explorer Business Card

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Bonus: Earn up to 100,000 bonus miles after qualifying purchases: 50,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open and 50,000 bonus miles after you spend $25,000 total on purchases in the first six months your account is open. TPG’s valuations peg the value of United miles at 1.3 cents each, so the 100,000 bonus is worth about $1,300.

Rewards and Benefits: Earn 2 miles per dollar on United purchases and at restaurants, gas stations and office supply stores, and 1 mile per dollar on everything else. Receive priority boarding and a free checked bag for you and one companion on the same reservation. Plus, get two, one-time United Club passes each year. Get employees cards for no additional cost. This card also offers basic travel protections such as trip delay protection and baggage delay protection, as well as purchase protection, extended warranty protection, return protection and price protection. See our full card review for more information.

Annual Fee: $95

Additional reporting by Katie Genter and Mike Cetera.

Featured image by Photo by Paul Faith/AFP/Getty Images

For rates and fees of the Business Gold Card, please click here.
For rates and fees of The Business Platinum Card from American Express, please click here.
For rates and fees of the Gold Delta SkyMiles Business Credit Card from American Express, please click here.
For rates and fees of the Platinum Delta SkyMiles Business Credit Card from American Express, please click here.
For rates and fees of the Delta Reserve for Business Credit Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of the Marriott Bonvoy Business American Express Card, please click here.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.