Many business credit cards incur foreign transaction fees on every purchase, usually around 3% of the cost. While it may not be significant for small purchases, it can add up substantially for larger expenses.
If you’re searching for credit cards without foreign transaction fees, you’re in luck! We’ve rounded up the best options for you below.
Best Overall: Ink Business Preferred® Credit Card (review).
Best for Airport Lounge Access: The Business Platinum Card® from American Express (review).
Best Everyday Spending: Capital One Spark Miles for Business (review).
1. Ink Business Preferred® Credit Card
Best Overall
The Ink Business Preferred® Credit Card (review) offers great rewards for small business owners. With bonus points on travel, shipping, advertising, and communication services, plus valuable travel protections, it’s a solid choice for companies looking to maximize their everyday spending.
Welcome Bonus: bonus_miles_full
Earning Rewards: 3x points on travel, shipping, advertising made with social media sites and search engines, and internet, cable and phone services on the first $150,000 spent in combined purchases in the following categories each account anniversary year; 1x points on all other eligible purchases.
Card Benefits: Points are worth 25% more when you redeem for travel through Chase Travel, no foreign transaction fees, primary rental car insurance, trip cancellation insurance, cell phone protection, purchase protection, and extended warranty.
Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
2. The Business Platinum Card® from American Express
Best for Airport Lounge Access
The Business Platinum Card® from American Express (review) delivers premium travel benefits including extensive lounge access (access is limited to eligible card members) and valuable hotel elite status. This premium business card excels at making travel more luxurious, though you’ll need to use multiple statement credits and travel perks to maximize its value.
Welcome Bonus: bonus_miles_full
Earn Rewards: 5x points for flights, prepaid hotels booked at AmexTravel.com; 2x points per dollar for purchases up to $2 million in spending per calendar year in these categories: purchases of $5,000 or more regardless of category, U.S. cloud service and software providers, U.S. construction materials and hardware suppliers, U.S. electronics retailers, and U.S. shipping providers; and 1x points on all other eligible purchases.
Card Benefits:
- Statement Credits: You’ll earn numerous statement credits including $250 for Adobe purchases after spending $600, up to $200 for airline incidentals, up to $209 for Clear Plus membership, up to $1,150 for Dell purchases ($150 in credits plus $1,000 after spending $5,000), Global Entry or TSA PreCheck credit, up to $200 for Hilton purchases ($50 quarterly with required Hilton for Business membership), up to $600 for Fine Hotels & Resorts and Hotel Collection bookings ($300 biannually with minimum two-night stays required for Hotel Collection), up to $360 for Indeed hiring services ($90 quarterly), and up to $120 for wireless telephone services ($10 monthly from any U.S. provider).
- Airport Lounge Access: American Express Centurion Lounges, Delta Sky Club when flying Delta (limited to 10 annual visits unless you spend $75,000 in a calendar year), Priority Pass, Escape Lounges, and Select Lufthansa Lounge when flying Lufthansa Group airlines. (Access is limited to eligible Card Members)
- Elite Status: Marriott Gold, Hilton Gold, Hertz’s President’s Circle, National Emerald Club Executive, and Avis Preferred Plus.
- Other Benefits: No preset spending limit, baggage insurance plan, trip cancellation and delay insurance, secondary rental car insurance, no foreign transaction fees, extended warranty, return protection, purchase protection, and cell phone protection.
Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
3. American Express® Business Gold Card
Best for Flexible Rewards
The American Express® Business Gold Card (review) offers tailored rewards, earning 4x points in your top two spending categories each billing cycle from a list of six options (capped at $150,000 in combined purchases each calendar year). With up to $395 in annual statement credits and valuable redemption options through Membership Rewards transfer partners, this card can be a powerful earning tool for many businesses.
Welcome Bonus: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Earning Points: 4x points in your top two categories each billing cycle up to $150,000 in combined purchases at 4x points (then 1x points) in the following purchase categories: US gas stations, US restaurants, US advertising in select media, transit and rideshare, monthly US wireless telephone services charges made directly with wireless service provider, U.S. purchases made from electronic goods retailers and software & cloud system providers; 3x points on flights and prepaid hotels booked via AmexTravel.com; and 1x points on all other eligible purchases.
Card Benefits: Up to $20 monthly credit upon enrollment when you use your card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores, Walmart+ credit, no present spending limit, trip delay insurance, baggage insurance plan, secondary rental car insurance, purchase protection, and extended warranty.
Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
4. Capital One Spark Miles for Business
Best for Everyday Spending
The Capital One Spark Miles for Business (review) simplifies rewards earning with double miles on everything you buy. This straightforward business card lets you transfer miles to travel partners or redeem directly for travel purchases, making it a practical choice for business owners who want travel flexibility without complex bonus categories.
Welcome Bonus: Earn a 50,000 miles bonus when you spend $4,500 in the first 3 months.
Earn Rewards: 5x miles on hotels, vacation rentals, and rental cars for bookings via Capital One’s travel booking site; 2x miles on all other eligible purchases.
Card Benefits: Global Entry or TSA PreCheck credit, primary rental car insurance, extended warranty, purchase protection, and no foreign transaction fees.
Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates, Etihad, Finnair, I Prefer Hotels (1 to 2), Japan Airlines(2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.
5. Delta SkyMiles® Reserve Business American Express Card
Best for Delta Flyers
The Delta SkyMiles® Reserve Business American Express Card (review) offers premium perks for frequent Delta flyers, including lounge access and a companion certificate. While it has a high annual fee, the card can provide great value through its elite status boost, upgrade priority, and travel credits for loyal Delta customers.
Welcome Bonus: bonus_miles_full
Earning SkyMiles: 3x SkyMiles on Delta Air Lines purchases; 1.5x SkyMiles on transit, shipping, and office purchases; 1.5 SkyMiles per dollar on all non-Delta purchases after spending a total of $150,000 in a calendar year; and 1x SkyMiles on all other eligible spending.
Card Benefits:
- Airport Lounges: Access to Delta Sky Clubs* when flying Delta and to American Express Centurion Lounges when you use your card to book your Delta flight.
- Delta Perks: Annual companion certificate at renewal, free first checked bag and priority boarding for you and up to eight travel companions, 15% award discount, 20% back on in-flight purchases, and $250 annual Delta Stays credit.
- Other Benefits: $240 Resy credit at U.S. Resy restaurants (up to $20 in statement credits per month; enrollment required), $120 Rideshare credit on U.S. rideshare purchases (up to $10 in statement credits per month; enrollment required); Hertz’s President’s Circle, Global Entry / TSA PreCheck credit, travel insurance (trip delay, trip cancellation, baggage insurance, secondary rental car), extended warranty, return protection, and purchase protection.
* 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 between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
6. United℠ Business Card
Best for United Flyers
The United℠ Business Card (review) packs useful perks for United flyers, including free checked bags, priority boarding, and two annual United Club passes. This practical business card proves worthwhile for small business owners who fly United even just a few times yearly.
Welcome Bonus: Earn 75,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months
Earning Miles: 2x miles on United Airlines purchases, dining (including eligible delivery services), gas stations, at United Hotels, office supply stores, local transit, and commuting; 1x miles on all other purchases.
Card Benefits: Free first checked bag, $100 United travel credit after after 7 United flight purchases of $100 or more within each card anniversary year, 5,000 anniversary bonus miles when you also have a personal United credit card, 2 United Club one-time passes each year, annual $25 FareLock credit, $100 rideshare credit, $100 JSX credit, $120 Instacart credit, $50 Avis or Budget credit, annual $100 United Hotels credit, 25% back on United inflight and Club premium drink purchases, priority boarding, no foreign transaction fees, travel insurance (primary rental car, trip delay, baggage delay, lost luggage, trip cancellation), extended warranty, and purchase protection.
7. Southwest® Rapid Rewards® Performance Business Credit Card
Best for Southwest Flyers
The Southwest® Rapid Rewards® Performance Business Credit Card (review) stands out by offering free Wi-Fi on every Southwest flight and four Upgraded Boardings each year. Business travelers will appreciate additional perks including anniversary bonus points, Global Entry/TSA PreCheck reimbursement, and the ability to transfer points between accounts without fees.
Welcome Bonus: bonus_miles_full
Earn Rewards: 4x points on Southwest Airlines purchases; 3x points on Rapid Rewards hotel and car rental partners; 2x points on local transit, commuting (including rideshare), social media and search engine advertising, internet, cable, and phone services; and 1x points on all other purchases.
Card Benefits: 9,000 bonus points each year after your Cardmember anniversary, Four upgraded boardings per year, up to 365 In-flight Wi-Fi credits per year, up to a $500 fee credit for points transfers to another Rapid Rewards Member each year, Global Entry or TSA PreCheck® or NEXUS application fee credit of up to $120 every four years, no foreign transaction fees, lost luggage reimbursement, baggage delay insurance, extended warranty, and purchase protection.
8. Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card (review) provides solid value through its annual free night award and automatic Gold Elite status benefits like room upgrades and late checkout. Though its bonus categories could be more rewarding, this card serves as an excellent complement to a personal Marriott card for stacking elite night credits. Welcome Bonus: bonus_miles_full Earning Points: 6x points on eligible purchases at hotels participating in Marriott Bonvoy®; 4x points at restaurants, US gas stations, wireless telephone services purchased directly from US service providers, and US shipping; 2 Marriott Bonvoy Business® American Express® Card points per dollar on all other eligible purchases. Benefits: Anniversary free night (up to 35,000 points), additional free night (up to 35,000 points) after spending $60,000 in purchases in a calendar year, 7% discount off standard rates, Marriott Gold elite status, 15 elite night credits, baggage insurance plan, secondary rental car insurance, extended warranty, and purchase protection.
9. The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card (review) offers complimentary Gold elite status and up to $240 in annual Hilton credits (up to $60 per quarter), making it a solid option for small business owners who frequently stay at Hilton properties. While it lacks free night awards, the card provides good value for Hilton loyalists through its earning rates and elite status benefits.
Welcome Bonus: bonus_miles_full
Earning Points: 12x points for purchases made directly with hotels and resorts in the Hilton portfolio and 5x points on all other purchases made with the card on the first $100,0000 in purchases each calendar year (3x points thereafter).
Benefits: Complimentary Hilton Gold elite status, earn Hilton Diamond when you spend $40,000 on your Card in a calendar year, up to $240 back each year for eligible purchases made directly with Hilton ($60 per quarter), National Emerald Club Executive status (upon enrollment), baggage insurance plan, secondary rental car insurance, extended warranty, and purchase protection.
10. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® delivers key American Airlines perks including free checked bags and preferred boarding on your flights. While its reward rates aren’t exceptional, the card provides a path to earning AAdvantage elite status through credit card spending.
Welcome Bonus: bonus_miles_full
Earning Miles: 2x American AAdvantage miles on American Airlines purchases, cable and satellite providers, select telecommunications merchants, car rentals, and gas stations; 1x AAdvantage miles on all other eligible purchases.
Card Benefits: Free checked bag for you and up to four travel companions on domestic flights, preferred boarding for you and up to four travel companions, 25% in-flight savings, annual companion certificate, no foreign transaction fees, purchase protection, and extended warranty.
For rates and fees of The Business Platinum Card® from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the American Express® Business Gold Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of The Hilton Honors American Express Business Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
