If you’re in the market for a small business credit card, you might find yourself dizzied with the dozens of card options out there.
One important consideration when deciding on a new card is whether or not you plan to use that card overseas. If you are, then you’ll definitely want a card that does not charge foreign transaction fees. After all, if your card charges the average 3% foreign transaction fee, then you’ll completely negate the value of any rewards you’ll receive.
In this post, we will show you all of the best business cards without foreign transaction fees, along with some tips to help you decide which card is best for you and your business needs.
The 6 Best American Express Business Cards With No Foreign Transaction Fees
Image Credit: American Express1. Amazon Business Prime American Express Card
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Amazon Business Prime American Express Card
Learn More (at Amex's secure site) | - Eligible Prime Members get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- Back your business with a broad product selection on Amazon and Amazon Business, and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Good to Excellent Credit Recommended (670-840)
- Annual Fee: $0
- Terms apply. For rates and fees of the Amazon Business Prime Amex card, click here.
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Rewards
- 5% back on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market on the first $120,000 in purchases each calendar year with eligible Prime Membership, 1% back thereafter
- 2% back on U.S. purchases at restaurants, gas stations, and wireless phone services purchased directly from service providers
- 1% back on all other eligible purchases
Benefits
With the Amazon Business Prime Amex card, you’ll receive benefits like purchase protection for items with up to $1,000 in coverage per occurrence, up to $50,000 per account per calendar year. You’ll also receive extended warranty coverage, free employee cards, and access to Amex Offers.
Best For: Business owners that spend a large amount through Amazon
2. American Express® Business Gold Card
Hot Tip: Check to see if you’re eligible for a huge welcome offer of up to 110,000 points with the Amex Business Gold card! (The current public offer is 70,000 points.)
Rewards
Earn 4x points per $1 spent on the 2 categories where your business spends the most each billing cycle, on up to $150,000 in purchases each year, and 1x point per $1 thereafter:
- Airfare purchases directly from airlines
- U.S. purchases on online, TV, and radio advertising
- U.S. computer hardware, software, and cloud systems from select technology provider purchases
- U.S. gas stations
- U.S. restaurants, including takeout and delivery
- U.S. shipping purchases
Additionally, you’ll earn 1x point per $1 on all other purchases.
Benefits
In addition to helping you rack up Amex Membership Rewards points, which we value as the highest transferable rewards currency, the Amex Business Gold card comes with a handful of other benefits to make the card worthwhile.
For instance, you’ll get 25% of your redeemed points back when using Pay With Points for tickets purchased with your selected airline via Amex Travel. Cardholders also get access to Amex’s The Hotel Collection, trip delay insurance, baggage delay insurance, rental car insurance, purchase protection, and extended warranty coverage.
Best For: Business owners with a high amount of spend in 1 or more of the card’s 6 bonus categories
3. The Business Platinum Card® from American Express
Hot Tip: Check to see if you’re eligible for a huge welcome offer of up to 150,000 points with the Amex Business Platinum card! (The current public offer is 120,000 points.)
Rewards
- 5x points per $1 on flights and prepaid hotels booked through Amex Travel
- 1.5x points per $1 on eligible purchases at U.S. 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.
- 1x point per $1 on all other purchases
Benefits
In terms of benefits, the Amex Business Platinum card takes the cake, as it should, since the card charges a very high annual fee.
Cardholders receive access to the American Express Global Lounge Collection that includes: Centurion Lounges, Delta Sky Clubs (when flying Delta the same day), Escape Lounges – The Centurion Studio Partners, Plaza Premium Lounges, and Priority Pass lounges (upon enrollment).
With the card, you’ll also get a bevy of annual credits like up to $200 annual airline incidental credit, up to $400 annual Dell credit ($200 from January to June, and $200 from July to December), up to $360 annual Indeed credit ($90 per quarter), up to $150 annual Adobe Creative Solutions credit, up to $120 annual wireless statement credit ($10 per month), and $189 annual CLEAR credit.
Further, cardholders also get 35% of your points back when using Pay With Points for a business or first class ticket with your select airline via Amex Travel, complimentary upon enrollment Hilton Honors Gold and Marriott Bonvoy Gold Elite status, access to American Express Fine Hotels & Resorts program, and various travel protection coverages.
Best For: Business owners that are frequent travelers and want premium benefits
4. Delta SkyMiles® Reserve Business American Express Card
Rewards
- 3x miles per $1 on purchases made directly with Delta
- 1.5x miles per $1 after you spend $150,000 on your card in a calendar year
- 1x mile per $1 on all other purchases
Benefits
The Delta Reserve Business card comes loaded up with benefits that frequent Delta flyers will love. For starters, you’ll receive Centurion Lounge and Delta Sky Club access when flying with Delta.
For those that are working their way towards Delta Medallion status, you can earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to 4 times per year. Don’t have status just yet? You can still receive complimentary upgrades on Delta flights just for holding the card.
Cardholders also receive their first checked bag free along with up to 8 traveling companions, Main Cabin 1 priority boarding, trip delay insurance, baggage insurance, and a round-trip companion certificate each year that can be used towards a domestic first class, Delta Comfort+, or Main Cabin ticket.
Best For: Business owners that are loyal Delta Air Lines flyers
5. The Hilton Honors American Express Business Card
Rewards
- 12x points per $1 for purchases made directly with hotels and resorts in the Hilton portfolio
- 6x points per $1 at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping
- 6x points per $1 at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies
- 3x points per $1 on all other purchases
Benefits
The Hilton Business Amex card makes a lot of sense to business owners that travel often and are loyal to the hotel chain. The card offers automatic Hilton Honors Gold status, plus the ability to spend your way to Hilton Honors Diamond status after $40,000 in eligible purchases in a calendar year.
Cardholders receive a Free Night Reward after you spend $15,000 on eligible purchases on your card account in a calendar year, and a second after you spend $60,000.
You’ll also get 10 complimentary Priority Pass visits each year, purchase protection, and extended warranty coverage.
Best For: Business owners that are Hilton Honors loyalists
6. Marriott Bonvoy Business® American Express® Card
Rewards
- 6x points per $1 on eligible purchases at hotels participating in the Marriott Bonvoy program
- 4x points per $1 at restaurants worldwide, U.S. gas stations, U.S. shipping providers, and wireless phone services purchased directly from U.S. service providers
- 2x points per $1 on all other purchases
Benefits
Not only does the Marriott Bonvoy Business card kickstart your elite status by giving you Marriott Gold Elite status, but you’ll also receive 15 elite night credits each year for holding the card.
You’ll also receive 1 Free Night Award every year, usable at any Marriott hotel costing up to 35,000 points per night, and a second after you spend $60,000 in purchases on your card in a calendar year.
Beyond that, the card offers purchase protection, extended warranty protection, and access to Amex Offers.
Best For: Business owners that are Marriott Bonvoy loyalists
The 2 Best Bank of America Business Cards With No Foreign Transaction Fees
Image Credit: Bank of America1. Alaska Airlines Visa® Business Credit Card
Rewards
- 3x points per $1 on Alaska Airlines purchases
- 1x point per $1 on all other purchases
Benefits
Business owners who are regular Alaska Airlines flyers will find that the Alaska Airlines Business card can be a perfect addition to their wallets. Not only does the card charge a low annual fee of just $50, but it comes great benefits like a free checked bag for you and up to 6 guests on the same reservation, 50% off day passes at the Alaska Lounge, and 20% back on all Alaska Airlines inflight purchases when you pay with your card.
Plus, perhaps the best benefit of the card is its annual companion certificate that allows you to book a round-trip companion flight for $121 ($99 fare plus taxes and fees from $22). The companion fare can be used anywhere that Alaska flies, which can save you fare more than the $5o annual fee you pay for the card.
Best For: Business owners that are loyal Alaska Airlines flyers
2. Bank of America® Business Advantage Travel Rewards Card
Rewards
- 3x points per $1 on travel purchases made through the Bank of America travel portal
- 1.5x points per $1 on all other purchases
Preferred Rewards for Business members have the ability to boost these reward rates by 25% to 75% based on their membership level within the program. Top-tier Platinum Honors with the boost will then earn 5.25x points per $1 on Bank of America travel purchases and 2.625x points per $1 on all other purchases.
Benefits
Beyond being able to boost your rewards rates via Preferred Rewards for Business, the card also offers luggage reimbursement, trip cancellation coverage, and trip delay reimbursement, all of no annual fee!
Best For: Business owners that participate in the Bank of America Preferred Rewards for Business program
The 3 Best Barclays Business Cards With No Foreign Transaction Fees
Image Credit: American Airlines1. AAdvantage® Aviator® World Elite Business Mastercard®
Rewards
- 2x miles per $1 on American Airlines purchases
- 2x miles per $1 on select telecom, office supply, and car rental purchases
- 1x miles per $1 on all other purchases
Benefits
If you’re a frequent American Airlines flyer, you’ll enjoy that the AAdvantage Aviator Business card offers your first checked bag for free on domestic American Airlines itineraries for you and up to 4 companions, preferred boarding, and a 25% savings on inflight food and beverage purchases.
Plus, you’ll receive a 5% mileage bonus each year after your account anniversary date based on the total number of miles earned using your card. Those who spend $30,000 on their card in a calendar year will be given a companion certificate, allowing you to bring a guest on any round-trip American booking in economy for just $99 plus the taxes and fees of the ticket.
Best For: Business owners that are American Airlines loyalists
2. The JetBlue Business Card
Rewards
- 6x points per $1 on JetBlue purchases
- 2x points per $1 at restaurants and office supply stores
- 1x point per $1 on all other purchases
Benefits
Cardholders receive their first checked bag for free for themselves and up to 3 companions when they pay for any part of your reservation with The JetBlue Business card, and a 50% discount on inflight food and beverage purchases.
While the card does charge a $99 annual fee, you can add employee cards for no additional cost, and you’ll receive 5,000 bonus JetBlue points each year to help offset the annual fee.
The JetBlue Business card is also a great option for those looking for an easy way to reach JetBlue Mosaic status, as you can earn it by spending $50,000 on your card in a calendar year.
Best For: Business owners that are frequent JetBlue flyers
3. Wyndham Rewards® Earner℠ Business Card
Rewards
- 8x points per $1 on Wyndham stays and on qualifying gas purchases
- 5x points per $1 on eligible marketing, advertising, and utility purchases
- 1x point per $1 on all other purchases
Benefits
Those who frequent Wyndham hotels will love that the Wyndham Rewards Earner Business card comes with complimentary top-tier Diamond status within the Wyndham Rewards program, which offers perks like suite upgrades, late checkout, and a welcome amenity at check-in.
Further, you’ll also get a discount for being a cardmember off the best available rate on cash stays, and a 10% discount when redeeming your Wyndham points for free night awards.
While the card does charge a $95 annual fee, you’ll receive 15,000 bonus points on your account anniversary each year, enough for at least 2 free nights at select properties.
Best For: Business owners that regularly stay at Wyndham hotels
The 2 Best Capital One Business Cards With No Foreign Transaction Fees
Image Credit: Capital One1. Capital One Spark Cash Plus Card
Rewards
- 2% cash-back on all purchases with no caps on how much you can earn
Benefits
If you’re looking for a simple cash-back card, consider the CapOne Spark Cash Plus card. Not only does it offer 2% back on all purchases, but business owners with a large number of annual expenses will like that they receive a $200 cash bonus every year they spend $200,000 or more.
Plus the card doesn’t have any preset spending limits and you can add additional employee cards, to rack up even more cash-back, for no extra charge.
Best For: Business owners looking to maximize cash-back
2. Capital One Spark Miles for Business
Rewards
- 5x Capital One miles per $1 on hotel and rental cars purchased through Capital One Travel
- 2x Capital One miles per $1 on all purchases
Benefits
Perhaps the biggest benefit of the CapOne Spark Miles card is that you’re able to transfer the miles you earn with it to one of the 15+ Capital One travel transfer partners to unlock huge value. Cardholders also get a Global Entry/TSA PreCheck credit, extended warranty coverage, and 2 complimentary visits per year to Capital One Lounges.
Best For: Business owners looking for simplicity and transferable travel rewards
The 4 Best Chase Business Cards With No Foreign Transaction Fees
Image Credit: United1. Ink Business Preferred® Credit Card
Rewards
- 3x Ultimate Rewards points per $1 on up to $150,000 in spend on:
- Shipping purchases
- Advertising purchases made with social media sites and search engines
- Internet, cable, and phone services
- Travel
- 1x Ultimate Rewards point per $1 on all other purchases
Benefits
For a card with a $95 annual fee, the Ink Business Preferred card has plenty of benefits that business owners will love. For starters, not only are your points transferable to 14 different transfer partners, but your points also get a 25% bonus when you redeem through the Chase travel portal — giving you multiple great redemption options!
You’ll receive several other benefits as well, like the ability to add employee cards at no added cost, trip cancellation insurance, rental car insurance, purchase protection, extended warranty protection, and cell phone insurance with up to $1,000 in coverage each year.
Best For: Business owners looking for transferable rewards with large expenses in 1 of the 4 bonus categories
2. Southwest Rapid Rewards® Performance Business Credit Card
Rewards
- 4x points per $1 on Southwest purchases
- 3x points per $1 on Rapid Rewards hotel and car rental partner purchases
- 2x points per $1 on local transit and commuting, including rideshare services
- 2x points per $1 on social media and search engine advertising, internet, cable, and phone services
- 1x point per $1 on all other purchases
Benefits
While the card does come with a $199 annual fee, there are multiple benefits offered to help you recoup that cost, like 9,000 bonus points each year (worth $117 based on our valuations), 4 Upgraded Boarding credits per year, and up to 365 inflight Wi-Fi credits per year.
Looking to work your way towards Southwest status? You can earn 1,500 tier qualifying points for every $10,000 spent on the card, with no limit on the amount of TQPs you can earn each year.
Cardholders also get a $500 fee credit for points transfers, the ability to add employee cards at no added cost, lost luggage and baggage delay insurance, extended warranty protection, and purchase protection.
Best For: Business owners that are frequent Southwest flyers
3. United℠ Business Card
Rewards
- 2x miles per $1 on United purchases
- 2x miles per $1 on dining, including delivery services
- 2x miles per $1 at gas stations, office supply stores, and on local transit and commuting
- 1x point per $1 on all other purchases
Benefits
If you’re a frequent United flyer, the United Business card comes with plenty of perks to enhance your flights.
Cardholders get their first checked bag free (along with 1 companion traveling on the same reservation) when they pay for any part of your flight with your card. They’ll also get priority boarding, 25% off inflight purchases, and 2 1-time United Club passes each year.
While not guaranteed benefits, you can also receive a $100 United Annual Travel Credit each anniversary year that you make 7 United flight travel-related purchases, each totaling $100 or more, and 5,000 bonus points each year if you also hold a personal United credit card.
If you’re trying to work your way towards United elite status, you can earn 500 Premier Qualifying Points (PQPs) for every $12,000 in purchases, up to a maximum of 1,000 PQPs in a calendar year.
Lastly, you’ve got benefits that help keep you covered, like trip delay insurance, baggage delay and lost luggage insurance, rental car insurance, extended warranty coverage, and purchase protection.
Best For: Business owners that are United Airlines loyalists
4. World of Hyatt Business Credit Card
Rewards
- Up to 9x points per $1 spent at Hyatt hotels – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2x points per $1 your top 3 spend categories each quarter through December 31, 2022, then your top 2 categories each quarter from:
- Dining
- Shipping
- Airline tickets when purchased directly with the airline
- Local transit and commuting
- Social media and search engine advertising
- Car rental agencies
- Gas stations
- Internet, cable, and phone services
- 2x points per $1 on fitness clubs and gym memberships
- 1x point per $1 on all other purchases
Benefits
The World of Hyatt Business card allows you to hit the ground running with automatic Hyatt Discoverist status for you and up to 5 employees. Plus you can earn 5 Tier-Qualifying Night credits toward status and for every $10,000 you spend on the card in a calendar year.
You’ll also enjoy a $50 statement credit when you spend $50 or more at any Hyatt property (up to 2 times each year), automatic entry into the Hyatt Leverage program, and 10% of your redeemed points back for the rest of the year after spending $50,000 on your card in a calendar year (up to 200,000 points back).
Like many other cards, you’ll receive rental car insurance, trip cancellation insurance, purchase protection, and extended warranty protection.
Best For: Business owners that are World of Hyatt loyalists
The Best Citi Business Card With No Foreign Transaction Fees
1. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Rewards
- 2x miles per $1 on American Airlines purchases
- 2x miles per $1 on purchases with telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations
- 1x mile per $1 on all other purchases
Benefits
Cardholders get their first checked bag free, along with up to 4 traveling companions, on domestic American Airlines flights. Plus, they’ll get preferred boarding, a 25% discount on inflight food and beverage purchases, and 25% off inflight Wi-Fi.
You can also earn a $99 domestic economy fare companion certificate after you spend $30,000 or more in purchases on your card in a calendar year.
Best For: Business owners that are frequent American Airlines flyers
Bonus: Avoiding Currency Conversion Fees
Many travelers often confuse currency conversion fees and foreign transaction fees as the same thing — they are not. As we’ve discussed, foreign transaction fees are a fee you pay for using your card abroad, though not all cards charge this.
So what are currency conversion fees, then? Well, if you’ve ever made a purchase abroad, you’re likely familiar that you are usually presented with 2 different payment options when completing your payment: the local currency and U.S. dollars.
Often, travelers make the mistake of choosing to be charged in dollars as it seems the more convenient of the 2 options. However, this is a mistake as it usually comes along with a 1% currency conversion fee. Due to this, you should always select to be billed in the local currency, especially if you have a card with no foreign transaction fees, as then you won’t be charged any sort of fees for your purchase!
Final Thoughts
As you can see, you have several great options when it comes to adding a small business card with no foreign transaction fees to your wallet. Deciding which option is best for you will largely come down to what type of business you run and what type of rewards you’d like to earn.
Either way, if you do any sort of overseas travel for your business, having a card that does not charge foreign transaction fees is imperative as it will help save you anywhere from 2.7% to 3% in fees on every transaction you make!
The information regarding Alaska Airlines Visa® Business Credit Card, Bank of America® Business Advantage Travel Rewards Card, AAdvantage® Aviator® World Elite Business Mastercard®, The JetBlue Business Card, Wyndham Rewards® Earner℠ Business Card, Capital One Spark Cash Plus Card, Capital One Spark Miles for Business, and CitiBusiness® / AAdvantage® Platinum Select® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Amazon Business Prime American Express Card, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
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