9 Business Credit Cards With No Foreign Transaction Fee for 2022

The ability to travel abroad with a card that doesn’t charge foreign transaction fees is essential for those who spend most of their time outside the US. There are certain cards available now, but they’re not enough – this guide will show you where we think some major improvement could be made in the next year or so.

The “business credit card with no foreign transaction fees” is a list of 9 cards that have no foreign transaction fee. The list was put together by Business Credit Card Finder.

Editor’s note: This is a periodic piece containing card information that is updated on a regular basis.

Whether you work in another country or make regular purchases outside of the US, there are a number of business credit cards that don’t charge international transaction fees, which may be as high as 3% of the purchase price. We’ve compiled a list of no-fee foreign-transaction-fee credit cards with travel rewards that you can use on flights, hotels, and eating when traveling internationally. If you’re an importer or a buyer, we’ve also included cards with simple limitless cash back benefits.

The top business credit cards with no international transaction fees are as follows:

Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.

Business Advantage from Bank of America Best Overall Business Credit Card With No Foreign Transaction Fee: Travel Rewards World Mastercard®

Credit card from Bank of America® Business Advantage Travel Rewards World Mastercard®

? Our editorial team’s industry specialists determine Fit Small Business’s ratings. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel purchases made via Bank of America

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on Credit card from Bank of America® Business Advantage Travel Rewards World Mastercard®’s secure website.

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Intro APR

0% after nine billing cycles

APR on a regular basis

Purchases have a variable APR of 12.24 percent to 22.24 percent.

• Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
• Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
• Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
• There are no yearly or foreign transaction fees.
• For the first nine billing cycles, you’ll get a 0% introductory APR on purchases.
• Redeem points for no-blackout-date travel, cash back, or gift cards.
• When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.

Pros

• No annual charge: By paying There is no yearly charge., you may save money on your credit card while receiving infinite points on your purchases.
• No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
• 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
• You will get 30,000 bonus points if you can spend $3,000 in net purchases within 90 days of starting an account.

Cons

• Low on-going rewards for non-travel purchases: While you can earn a lot of points on travel, you can only get 1.5x points on anything else.
• Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
• There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.

• Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.

Intro APR

0% after nine billing cycles

APR on a regular basis

Purchases have a variable APR of 12.24 percent to 22.24 percent.

• Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
• Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
• Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
• There are no yearly or foreign transaction fees.
• For the first nine billing cycles, you’ll get a 0% introductory APR on purchases.
• Redeem points for no-blackout-date travel, cash back, or gift cards.
• When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.

Pros

• No annual charge: By paying There is no yearly charge., you may save money on your credit card while receiving infinite points on your purchases.
• No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
• 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
• You will get 30,000 bonus points if you can spend $3,000 in net purchases within 90 days of starting an account.

Cons

• Low on-going rewards for non-travel purchases: While you can earn a lot of points on travel, you can only get 1.5x points on anything else.
• Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
• There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.

• Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.

Why we like it: We chose the Bank of America Business Advantage Travel Benefits World Mastercard® as the best overall card because it provides valuable rewards, whether you’re a frequent business traveler or own a company that buys goods from other countries. You earn 1.5x points for every $1 spent on any business transaction, and 3x points for every $1 spent on travel booked via the Bank of America® Travel Center.

You may earn even more travel rewards if you have a business checking account with Bank of America and qualify for its top Preferred Rewards for Business tier. Earn up to 75 percent more points per dollar spent on all purchases and up to 5.25 points every $1 spent at the Bank of America® Travel Center. Plus, if you spend $3,000 during the first three months of card ownership, you’ll get 30,000 points as a welcome bonus.

The American Express Business Platinum Card® is the best way to travel in style.

American Express’s Business Platinum Card®

? Our editorial team’s industry specialists determine Fit Small Business’s ratings. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Obtaining unparalleled travel rewards and luxury travel benefits such as access to airport lounges

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on American Express’s Business Platinum Card®’s secure website.

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Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Excellent, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Excellent, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Why we like it: The American Express Business Platinum Card® is one of the best cards for business travelers who want to travel in style. On flights and prepaid hotels booked via Amex Travel, you may earn 5x Membership Rewards® points if you often go out of the country for work. You’ll earn 35 percent of your points back if you use them for part or all of a ticket booked via Amex Travel. Earn 1.5 points for $1 spent on purchases of $5,000 or more, as well as 1.5 points per $1 spent on shipping, building material and hardware suppliers, electronic goods shops, and software and cloud system providers. All other purchases will earn you 1x points.

Its initial offer includes 120,000 points and a 0% APR for the first 12 months after spending $15,000 in the first three months of card membership. It’s one of our top picks for the best credit cards for small businesses.

Capital One® Spark® Business Miles is the easiest way to earn miles.

Capital One® Spark® Business Miles

? Our editorial team’s industry specialists determine Fit Small Business’s ratings. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Every swipe earns you 2x miles.

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on Capital One® Spark® Business Miles’s secure website.

Compare with

APR on a regular basis

20% (20.99%) (Variable)

Annual Fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• After the first year, you’ll have to pay an annual charge.
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

APR on a regular basis

20% (20.99%) (Variable)

Annual Fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• After the first year, you’ll have to pay an annual charge.
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

Why we like it: Business travelers appreciate the Capital One® Spark® Business Miles card for its simplicity and The yearly charge is low.. Earn 5x miles when you book with Capital One Travel for hotel and rental cars with no blackout dates, seat restrictions, or minimum to redeem, and an unlimited 2x miles on every business purchase. Use your earned miles on flights or hotels or transfer your miles to one of Capital One’s 19 travel partners.

Capital One is versatile if you don’t want to be bound to its travel partners. You may also use Capital One’s Purchase Eraser, which is worth 1 cent for 1 Capital One mile, to use miles earned against any eligible trip purchase. It lets you use your reward miles to pay for things like flights, hotels, trains, auto rentals, limousine services, taxis, and ridesharing.

Spend $4,500 on purchases within the first three months after account creation to earn 50,000 miles, which is equivalent to $500 in travel. Pay no yearly charge for the first year, then $95 per year after that. It’s our selection for the best overall business travel credit card.

The Marriott Bonvoy BusinessTM American Express® Card is ideal for stays at Marriott properties outside of the United States.

American Express® Marriott Bonvoy BusinessTM Card

? Our editorial team’s industry specialists determine Fit Small Business’s ratings. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who choose to stay at Marriott Bonvoy hotels are rewarded.

Apply Now

on American Express® Marriott Bonvoy BusinessTM Card’s secure website.

Compare with

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Excellent, Excellent

• Earn 75,000 extra Marriott Bonvoy points after spending $3,000 on qualifying purchases with your new Card during the first three months of membership.
• At hotels that participate in the Marriott BonvoyTM program, you may earn 6x points.
• 4x points in U.S. restaurants, petrol stations, cellular phone services bought directly from U.S. service providers, and shipping transactions made in the United States. All other qualified purchases will earn you 2x points.
• Every year on the anniversary of your Card account, you’ll get a free night. Plus, after spending $60K on your Card in a calendar year, you’ll get an extra Free Night Award. At hotels participating in the Marriott BonvoyTM program, awards may be utilized for one night (redemption level at or under 35,000 Marriott Bonvoy points). There are resort fees at certain hotels.
• With your Card, you’ll get free Marriott Bonvoy Silver Elite status. Plus, after making $35,000 in qualifying purchases on your Card in a calendar year, you’ll be upgraded to Gold Elite status.
• Terms and Conditions apply.

Pros

• You’ll get Marriott Bonvoy Silver Elite membership for free.
• Earn 6 points for every $1 spent at Marriott Bonvoy hotels.

Cons

• An annual charge of $125 is required.
• When points are redeemed for less costly hotels, they are worth less.

• Baggage insurance protects you if you lose your checked or carry-on luggage when traveling directly from a common carrier or terminal. The maximum amount of coverage is $1,250.
• Purchase protection: For the first 120 days after purchase, bought objects are protected against theft or damage. The maximum amount of coverage is $10,000 per claim and $50,000 per year.
• Extended warranty protection: Provides up to an extra two years of warranty coverage on warranties of five years or less from U.S. manufacturers.
• Silver Elite membership is free, and you’ll have access to unique privileges like 25% extra points on purchases at selected hotels, priority late checkout, and an elite reservation line.

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Excellent, Excellent

• Earn 75,000 extra Marriott Bonvoy points after spending $3,000 on qualifying purchases with your new Card during the first three months of membership.
• At hotels that participate in the Marriott BonvoyTM program, you may earn 6x points.
• 4x points in U.S. restaurants, petrol stations, cellular phone services bought directly from U.S. service providers, and shipping transactions made in the United States. All other qualified purchases will earn you 2x points.
• Every year on the anniversary of your Card account, you’ll get a free night. Plus, after spending $60K on your Card in a calendar year, you’ll get an extra Free Night Award. At hotels participating in the Marriott BonvoyTM program, awards may be utilized for one night (redemption level at or under 35,000 Marriott Bonvoy points). There are resort fees at certain hotels.
• With your Card, you’ll get free Marriott Bonvoy Silver Elite status. Plus, after making $35,000 in qualifying purchases on your Card in a calendar year, you’ll be upgraded to Gold Elite status.
• Terms and Conditions apply.

Here’s the link to the full editorial review.

Pros

• You’ll get Marriott Bonvoy Silver Elite membership for free.
• Earn 6 points for every $1 spent at Marriott Bonvoy hotels.

Cons

• An annual charge of $125 is required.
• When points are redeemed for less costly hotels, they are worth less.

• Baggage insurance protects you if you lose your checked or carry-on luggage when traveling directly from a common carrier or terminal. The maximum amount of coverage is $1,250.
• Purchase protection: For the first 120 days after purchase, bought objects are protected against theft or damage. The maximum amount of coverage is $10,000 per claim and $50,000 per year.
• Extended warranty protection: Provides up to an extra two years of warranty coverage on warranties of five years or less from U.S. manufacturers.
• Silver Elite membership is free, and you’ll have access to unique privileges like 25% extra points on purchases at selected hotels, priority late checkout, and an elite reservation line.

Why we like it: If you appreciate staying at Marriott hotels while traveling for business, collect points with the Marriott Bonvoy BusinessTM American Express® Card and redeem them for stays at any Marriott hotel worldwide. When you stay at a Marriott Bonvoy property or make a purchase from their online shop, you may earn 6x points. Earn 4x points at petrol stations, restaurants, shipping, and cellular phone services in the United States, and 2x points on everything else. After spending $3,000 in the first three months, you’ll get 75,000 extra Marriott Bonvoy points.

This card gives one free night each year after your account anniversary and another free night after spending $60,000 in a calendar year for a $125 annual fee.

Best for Stays at Hilton Hotels and Resorts Outside the US is the Hilton Honors American Express® Business Card.

The American Express Hilton Honors Business Card

Getting the most out of your Hilton purchases

Apply Now

on The American Express Hilton Honors Business Card’s secure website.

Compare with

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Excellent, Excellent

• Offer: Earn 130,000 Hilton Honors Bonus Points with a Free Night Reward after spending $3,000 on the Hilton Honors Business Card during the first three months of card membership.
• Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
• With your Hilton Honors Business Card, you’ll get free Hilton Honors Gold Status.
• After spending $15,000 on your Card in a calendar year, you’ll get a Weekend Night Reward from Hilton Honors.
• After spending an additional $45,000 on your Card in the same calendar year, you’ll get another Weekend Night Reward from Hilton Honors.
• Terms and Conditions apply.

Pros

• The yearly charge is low.
• There are no costs for international transactions.
• Hilton Gold Status is complimentary.

Cons

• Other than hotel stays, there are few choices for redemption.
• Balance transfers are not permitted.
• There is no introductory APR of 0%.

• Free Hilton Honors Gold Status: You’ll gain free Hilton Honors Gold Status, which comes with perks like complimentary breakfast and rollover nights.
• Free weekend night reward: After spending $15,000 in a year, you’ll get a free weekend night reward; after spending $60,000 in a year, you’ll receive a second weekend night reward.
• Purchase protection: If your goods are damaged or stolen within 120 days of purchase, you’re covered up to $1,000 per item and $50,000 per year.
• On manufacturers’ warranties of five years or less, extended warranty protection provides up to an extra two years of coverage.

APR on a regular basis

Variable (15.99 percent – 24.99 percent)

Credit is required.

Excellent, Excellent

• Offer: Earn 130,000 Hilton Honors Bonus Points with a Free Night Reward after spending $3,000 on the Hilton Honors Business Card during the first three months of card membership.
• Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
• With your Hilton Honors Business Card, you’ll get free Hilton Honors Gold Status.
• After spending $15,000 on your Card in a calendar year, you’ll get a Weekend Night Reward from Hilton Honors.
• After spending an additional $45,000 on your Card in the same calendar year, you’ll get another Weekend Night Reward from Hilton Honors.
• Terms and Conditions apply.

Pros

• The yearly charge is low.
• There are no costs for international transactions.
• Hilton Gold Status is complimentary.

Cons

• Other than hotel stays, there are few choices for redemption.
• Balance transfers are not permitted.
• There is no introductory APR of 0%.

• Free Hilton Honors Gold Status: You’ll gain free Hilton Honors Gold Status, which comes with perks like complimentary breakfast and rollover nights.
• Free weekend night reward: After spending $15,000 in a year, you’ll get a free weekend night reward; after spending $60,000 in a year, you’ll receive a second weekend night reward.
• Purchase protection: If your goods are damaged or stolen within 120 days of purchase, you’re covered up to $1,000 per item and $50,000 per year.
• On manufacturers’ warranties of five years or less, extended warranty protection provides up to an extra two years of coverage.

Why we like it: The American Express Hilton Honors Business Card offers the best deal for business travelers loyal to the Hilton brand. You can earn 12x Honors Bonus points for purchases made directly with Hilton hotels and resorts and 6x Honors Bonus points at US restaurants (including takeout and delivery), US gas stations, US wireless phone services, and shipping, as well as flights and select car rentals. Earn 3x Honors Bonus points on all other purchases, including foreign transactions, all for a The yearly charge is low. of $95.

After spending $15,000 in a calendar year, you’ll get a free weekend night, and after spending $60,000, you’ll get a second night.

The UnitedSM Business Card is the best way to get a free checked bag and early boarding.

? Our editorial team’s industry specialists determine Fit Small Business’s ratings. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who fly United Airlines often and wish to earn travel rewards

Apply Now

Chase’s Protected Website

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APR on a regular basis

Variable 16.49 percent – 23.49 percent

• Spend $5,000 on purchases in the first three months of your account to earn 75,000 miles.
• For the first year, there is no yearly cost; after that, it is $99.
• When you carry both the UnitedSM Business Card and a personal United® credit card, you’ll earn a 5,000-mile “better together” incentive on your anniversary.
• Earn 2 miles for every $1 spent on United® purchases, eating (including qualified delivery services), petrol stations, office supply retailers, and local public transportation and commuting.
• On all other purchases, you’ll earn 1 mile for every $1 you spend. Employee cards are also available at no extra cost, and miles earned from their purchases are credited to your account, allowing you to earn rewards quicker.
• Enjoy a complimentary first checked bag worth up to $140 per roundtrip (terms apply), as well as two United ClubSM one-time passes each year and priority boarding.
• Each anniversary year, following 7 United® flight purchases of $100 or more, you’ll get a $100 United® travel credit.

Pros

• Sign-up bonus is substantial.
• Employee cards are available at no cost.
• There are no costs for international transactions.

Cons

• After the first year, there is an annual cost.
• There is no introductory rate of 0%.
• Low travel rewards in the long run

• Purchases of food, drinks, and WiFi aboard United and United Express flights will earn you 25% back in the form of a statement credit.
• $100 United Annual Travel Credit: Earn a $100 statement credit each year when you spend $100 on United flight travel-related expenditures, including as seat upgrades, Economy Plus®, in-flight food and drinks, Wi-Fi, baggage service charges, or other United costs.
• Priority Boarding: Priority boarding is available to you and your companions who are going on the same reservation.
• Earn Premier Qualifying Points (PQP): For every $12,000 in net purchases, you will get 500 PQP, up to a maximum of 1,000 PQP every calendar year.

APR on a regular basis

Variable 16.49 percent – 23.49 percent

• Spend $5,000 on purchases in the first three months of your account to earn 75,000 miles.
• For the first year, there is no yearly cost; after that, it is $99.
• When you carry both the UnitedSM Business Card and a personal United® credit card, you’ll earn a 5,000-mile “better together” incentive on your anniversary.
• Earn 2 miles for every $1 spent on United® purchases, eating (including qualified delivery services), petrol stations, office supply retailers, and local public transportation and commuting.
• On all other purchases, you’ll earn 1 mile for every $1 you spend. Employee cards are also available at no extra cost, and miles earned from their purchases are credited to your account, allowing you to earn rewards quicker.
• Enjoy a complimentary first checked bag worth up to $140 per roundtrip (terms apply), as well as two United ClubSM one-time passes each year and priority boarding.
• Each anniversary year, following 7 United® flight purchases of $100 or more, you’ll get a $100 United® travel credit.

Pros

• Sign-up bonus is substantial.
• Employee cards are available at no cost.
• There are no costs for international transactions.

Cons

• After the first year, there is an annual cost.
• There is no introductory rate of 0%.
• Low travel rewards in the long run

• Purchases of food, drinks, and WiFi aboard United and United Express flights will earn you 25% back in the form of a statement credit.
• $100 United Annual Travel Credit: Earn a $100 statement credit each year when you spend $100 on United flight travel-related expenditures, including as seat upgrades, Economy Plus®, in-flight food and drinks, Wi-Fi, baggage service charges, or other United costs.
• Priority Boarding: Priority boarding is available to you and your companions who are going on the same reservation.
• Earn Premier Qualifying Points (PQP): For every $12,000 in net purchases, you will get 500 PQP, up to a maximum of 1,000 PQP every calendar year.

Why we like it: Once thought of as a domestic airline, United now serves nearly 400 airports around the world. If you frequently take international business trips with United, you can earn 2 kilometers for every $1 invested on United purchases including flights, 2 kilometers for every $1 invested on dining, gas stations, office supplies, and commuting, and 1x mile for every $1 spent on all other purchases with the UnitedSM Business Card. You and one traveling companion each get a free checked bag, as well as priority boarding after MileagePlus Premier members but before general boarding. You also benefit from a 25% discount on in-flight purchases.

Redeem your earned miles with United Airlines or with one of its 35 Star Alliance partners, including Air Canada, Lufthansa, and Singapore Airlines. As an introductory bonus, earn 75,000 miles after you spend $5,000 on purchases in the first three months after your account is opened. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases made in the first six months. Pay a $0 introductory fee for the first year, then a The yearly charge is low. of $99.

Best Charge Card for Cash Rewards on International Business Purchases: Capital One® Spark® Cash Plus

The Capital One® Spark® Cash Plus Card is a credit card issued by Capital One®.

Businesses that seek buying power and the ability to pay off their debts in full each month.

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Capital One’s Protected Website

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APR on a regular basis

None. Because your debt is payable in whole every month, there is no APR. Otherwise, you’ll be charged a monthly late fee of 2.99 percent.

• Earn an unlimited 2% cash back for your company on every transaction, anywhere, with no limitations or restrictions on categories.
• In the first six months, you may earn up to $1,000; $500 if you spend $5,000 in the first three months, and $500 if you spend $50,000 in the first six months.
• Every year you spend $200,000 or more, you’ll get a $200 cash bonus.

Pros

• There is no predetermined spending limit.
• Bonus money of up to $1,000
• On all purchases, you’ll get a flat rate of 2% cash back.
• Possibility of receiving a yearly cash bonus

Cons

• An yearly charge is required.
• Every month, you must pay in full.
• Excellent credit is required.

• $0 foreign transaction fee: There are no costs for international transactions. on purchases made outside of the United States
• $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance
• Emergency services such as jump-starting, tire replacement, and towing are provided by roadside help.

APR on a regular basis

None. Because your debt is payable in whole every month, there is no APR. Otherwise, you’ll be charged a monthly late fee of 2.99 percent.

• Earn an unlimited 2% cash back for your company on every transaction, anywhere, with no limitations or restrictions on categories.
• In the first six months, you may earn up to $1,000; $500 if you spend $5,000 in the first three months, and $500 if you spend $50,000 in the first six months.
• Every year you spend $200,000 or more, you’ll get a $200 cash bonus.

Pros

• There is no predetermined spending limit.
• Bonus money of up to $1,000
• On all purchases, you’ll get a flat rate of 2% cash back.
• Possibility of receiving a yearly cash bonus

Cons

• An yearly charge is required.
• Every month, you must pay in full.
• Excellent credit is required.

• $0 foreign transaction fee: There are no costs for international transactions. on purchases made outside of the United States
• $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance
• Emergency services such as jump-starting, tire replacement, and towing are provided by roadside help.

We like it because: Because it’s a charge card, the Capital One® Spark® Cash Plus differs from the other cards on our list in that your balance is due in full each month. You’ll receive 2% cash back on any transaction if your international business purchases are predictable and consistent, and your small company budget permits you to pay in full each month. There are no spend limitations or spend category restrictions. When you travel or make major purchases abroad, you may simply earn cash back.

Earn up to $1,000 in the first six months as a welcome bonus (the first $500 after spending $5,000 in the first three months and the last $500 after spending $50,000).

Best for Shipping and Online Advertising: Chase Ink Business Preferred®

Credit Card Ink Business Preferred®

? Our editorial team’s industry specialists determine Fit Small Business’s ratings. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel rewards while paying a smaller annual charge

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APR on a regular basis

Variable between 15.99 and 20.99 percent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

APR on a regular basis

Variable between 15.99 and 20.99 percent

Credit is required.

Excellent, Excellent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

Why we like it: If your small company spends a lot of money on international shipping, the Chase Ink Business Preferred® card rewards you with three points for every dollar spent on shipping, internet, cable, phone, and travel. If advertising is one of your top costs, social media and search engine advertising on Google, Facebook, and Yahoo may earn you 3 points for $1 spent. All other purchases get you 1 point each $1 spent. It features one of the highest spending limits for a business credit card, allowing you to earn points on purchases totaling up to $150,000 per account anniversary year.

There is a $95. yearly charge. If you spend $15,000 within the first three months after establishing an account, you will get 100,000 bonus points, which is the equal of $1,000 in cash back.

Spark® Classic for Business by Capital One®: Best for building credit and earning 1% cash back on international business purchases.

Spark® Classic for Business by Capital One®

? Our editorial team’s industry specialists determine Fit Small Business’s ratings. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Owners of fair credit businesses (580 to 669)

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on Spark® Classic for Business by Capital One®’s secure website.

Compare with

APR on a regular basis

269,9% (Variable)

Credit is required.

Average, Reasonable, and Limited

• Every time you swipe, you’ll get 1% cash back.
• Build your company’s credit by using it responsibly.
• Employee cards may be distributed for free.

Pros

• Possibility of obtaining business credit
• Fair credit is all that is required.
• There is no yearly charge.

Cons

• There is no introductory APR of 0%.
• There is no sign-up incentive.
• High APR

• Purchase protection: If your qualifying products are stolen or damaged during the first 90 days of purchase, Capital One will replace, repair, or refund you.
• Extended warranty protection: On qualifying products bought with your business card, you’ll receive an extra year of warranty protection, up to one year beyond the manufacturer’s guarantee.
• Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Spark® Classic for Business by Capital One® card.

APR on a regular basis

269,9% (Variable)

Credit is required.

Average, Reasonable, and Limited

• Every time you swipe, you’ll get 1% cash back.
• Build your company’s credit by using it responsibly.
• Employee cards may be distributed for free.

Pros

• Possibility of obtaining business credit
• Fair credit is all that is required.
• There is no yearly charge.

Cons

• There is no introductory APR of 0%.
• There is no sign-up incentive.
• High APR

• Purchase protection: If your qualifying products are stolen or damaged during the first 90 days of purchase, Capital One will replace, repair, or refund you.
• Extended warranty protection: On qualifying products bought with your business card, you’ll receive an extra year of warranty protection, up to one year beyond the manufacturer’s guarantee.
• Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Spark® Classic for Business by Capital One® card.

Why we like it: This easy-to-use card with There is no yearly charge. offers 1% cash back on all business purchases with no cap on the number of rewards you can earn, and rewards will never expire.

With this card, there’s no need to keep track of spending categories. If you’re a business owner with fair credit (580 to 669), the Spark® Classic for Business by Capital One® card can help you grow your credit score if you make consistent on-time payments.

Because the APR on this card is so high (26.99%), it’s better to treat it like a charge card and pay the amount every statement month.

How We Rated Business Credit Cards That Don’t Charge a Foreign Transaction Fee

We chose cards with significant travel benefits, as well as cards with more flexible usage, cash back incentives, and no purchase limits, after examining hundreds of credit cards with no foreign transaction charge.

Conclusion

Most business credit cards with There are no costs for international transactions. are travel cards with some of the best rewards available. Be sure to review all rates and fees associated with the card of your choice, along with your travel frequency and your budget.

Cash back rewards cards may be a better option if you’re an exporter or buyer, or if you don’t travel much. When used in restaurants, petrol stations, and office supply shops, as well as for shipping and phone bills, travel cards give good domestic benefits.

The “u.s. bank no foreign transaction fee credit card” is a business credit card that charges no foreign transaction fee for the year of 2022.

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