These are the best business credit cards with no foreign transaction fees

Nov 10, 2020

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Editor’s note: This guide has been updated with the latest information.

While travel abroad may not be on your radar during the pandemic, it pays to know the rules about foreign transaction fees for when you’re free to move about again.

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 a 3% fee (2.7% on some American Express cards) for any purchase you make in a foreign country.

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Even if a merchant 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 may be 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 70,000 Membership Rewards points After you spend $10,000 on eligible purchases in the first three months of account opening. Terms apply.
The Business Platinum Card® from American Express (See Rates & Fees) Travel perks; purchases of $5,000 or more 125,000 Membership Rewards® points After you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms apply.
Capital One Spark Cash for Business Flat 2% cash back on all spending $500 $500 cash bonus after spending $4,500 on purchases in the first 3 months of account opening
Capital One Spark Miles for Business 2x miles on all purchases 50,000 Capital One miles 50,000 bonus miles after spending $4,500 on purchases in the first 3 months of account opening.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® American Airlines flights 65,000 AAdvantage miles Spend $4,000 on purchases in the first four months of account opening.
Delta SkyMiles® Gold Business American Express Card (See Rates & Fees) Delta flights 50,000 bonus miles and a $50 statement credit Spend $2,000 in purchases on your new Card in your first 3 months. Terms Apply.
Delta SkyMiles® Platinum Business American Express Card (See Rates & Fees) Delta flights 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit Spend $3,000 in purchases on your new Card in your first 3 months. Terms apply.

Delta SkyMiles® Reserve Business American Express Card (See Rates & Fees)

Delta flights 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit Spend $4,000 in purchases on your new Card in your first 3 months. Terms Apply.
The Hilton Honors American Express Business Card (See Rates & Fees) Hilton hotels 130,000 Hilton Honors points After you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership. Terms apply.
Marriott Bonvoy Business™ American Express® Card (See Rates & Fees) Marriott hotels 75,000 Marriott Bonvoy bonus points After you spend $3,000 in eligible purchases in the first three months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made within the first three months of card membership. Terms apply.
Chase Ink Business Preferred Credit Card Travel, shipping and advertising purchases 100,000 Ultimate Rewards points Spend $15,000 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 80,000 Southwest points After you spend $5,000 on purchases in the first three months of account opening.

The information for the CitiBusiness AAdvantage Platinum card 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

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

Welcome offer: Earn 70,000 bonus points after you spend $10,000 on eligible purchases in the first three months of account opening.

Rewards and Benefits: Earn 4x 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 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.)

Welcome offer: Earn 125,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first three months of card membership. TPG values Membership Rewards points at 2 cents each, so the bonus is worth about $2,500.

Rewards and Benefits: Earn 5x points per dollar on airfare and 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 1x 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 complimentary access to Centurion and Priority Pass lounges, plus Delta Sky Clubs on same-day Delta flights and the Airspace and Escape lounges. You also get an up to $200 annual airline-fee credit, up to $200 of Dell statement credits on U.S. purchases annually, Hilton Honors Gold elite status, Marriott Bonvoy Gold elite status, and a Global Entry or TSA PreCheck application rebate every four years (up to $100). Enrollment required for select benefits. See our full card review for more details.

Annual Fee: $595 (see rates and fees)

Capital One Spark Cash for Business

Sign-up bonus: Earn $500 cash bonus after spending $4,500 on purchases in the first three months of 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

(Photo by John Gribben for The Points Guy)

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 miles at 1.4 cents each, so the bonus is valued at around $700 if you transfer your points to airline partners.

Rewards and Benefits: Earn 2x miles 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. To redeem your miles at a fixed rate, you can book new travel through Capital One or pay off 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 Mastercard

(Photo by John Gribben for The Points Guy)

Sign-up bonus: Earn 65,000 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 $910.

Rewards and Benefits: Earn 2x miles per dollar on eligible American Airlines purchases and with telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. You’ll earn 1x 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; your account must remain open for at least 45 days after your anniversary date.

Annual Fee: $99 (waived the first year)

Delta SkyMiles® Gold Business American Express Card

(Photo by The Points Guy)

Welcome offer: 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months.
TPG values Delta SkyMiles at 1.1 cents each, so the bonus is valued around $700, including the statement credit.

Rewards and Benefits: Earn 2x miles per dollar on Delta purchases and 1x 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: $99 (waived the first year) (see rates and fees)

Delta SkyMiles® Platinum Business American Express Card

(Photo by The Points Guy)

Welcome offer: 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. TPG values Delta SkyMiles at 1.1 cents each, so the bonus is valued around $760, including the statement credit.

Rewards and Benefits: Earn 3x miles per dollar on Delta purchases and 1x 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: $250 (see rates and fees)

Delta SkyMiles® Reserve Business American Express Card

Amex Delta Skymiles Business Reserve_CCSL
(Photo by The Points Guy)

Welcome offer: 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months. TPG values Delta SkyMiles at 1.1 cents each, so the bonus is valued around $760, including the statement credit.

Rewards and Benefits: Earn 3x miles per dollar on Delta purchases and 1x 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. Enrollment required for select benefits.

Annual Fee: $550 (see rates and fees)

The Hilton Honors American Express Business Card

(Photo by Wyatt Smith / The Points Guy)

Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership. TPG’s valuations peg the value of Hilton Honors points at 0.6 cents each, so the bonus is worth about $780.

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 all other eligible purchases. 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). Enrollment required for select benefits.

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.)

Welcome offer: Earn 75,000 bonus points after you spend $3,000 in eligible purchases in the first three months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made within the first three months of card membership. TPG values Marriott points at 0.8 cents each, so the 75k-point 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 all other eligible purchases. 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. Enrollment required for select benefits. 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 100,000 bonus points after you spend $15,000 on purchases in the first 3 months. TPG pegs the value of Chase Ultimate Rewards points at 2 cents each, so the bonus is worth about $2,000.

Rewards and Benefits: Earn 3x 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

Sign-up 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 2x points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partner purchases and 1x 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 (TQP) 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

Sign-up bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first three months of account opening. TPG values Southwest points at 1.5 cents each, so the bonus is worth about $1,200. Plus, these points can help you toward earning the Companion Pass.

Rewards and Benefits: Earn 3x points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partner purchases, 2x points per dollar on social media and search engine advertising, internet, cable and phone services and 1x 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

Additional reporting by Chris Dong and Katie Genter.

Featured photo by 5byseven via Twenty20

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 Delta SkyMiles Gold Business Card, please click here.
For rates and fees of the Delta SkyMiles Platinum Business Card from American Express, please click here.
For rates and fees of the Delta SkyMiles Reserve Business  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.