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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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
$125 Amazon Gift Card
$125
No annual fee
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-850)
Eligible Prime Members get a $125 Amazon 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
$0 Annual Fee
Back your business with the broad selection of Amazon 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.
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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$295
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Pros
4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses , and subways
NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Access to Amex’s The Hotel Collection
Purchase protection and extended warranty protection
Trip delay insurance
Car rental insurance
Cell phone insurance
Cons
$295 ($375 if application is received on or after 2/1/24) annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):
NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
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.
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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Airline fee credit does not cover airfare, only incidentals like checked bags
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
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. But there’s a reason why it’s one of the best Amex business cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
70,000 miles
$840
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.
Pros
Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
Complimentary Delta Sky Club access when flying Delta and 2 Delta Sky Club 1-time guest passes (through February 1, 2025)
Complimentary Amex Centurion Lounge access when flying Delta
Access to complimentary flight upgrades
Cons
High annual fee
Does not earn many miles for purchases outside of Delta spend
Rewards are not transferable
Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *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.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Enjoy 3x miles per dollar on Delta purchases.
With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
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.
*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.
**Effective 1/1/24, this benefit will no longer be available.
Best For: Business owners that are loyal Delta Air Lines flyers
5. The Hilton Honors American Express Business Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
130,000 points
$650
$95
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status, complimentary Priority Pass visits, travel protections, and the opportunity to earn free night certificates.
Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.
Pros
12x points per $1 on Hilton purchases
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
Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
10 complimentary Priority Pass visits
Free Weekend Night Reward after $15,000 in spend in a calendar year, and a second after you spend $60,000
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A great option for business owners who stay in Marriott hotels and want automatic elite status.
A great option for business owners who stay in Marriott hotels and want automatic elite status.
Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
3 Free Night Awards
$1,050
$125
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business® American Express® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.
Pros
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points per $1 on all other purchases
15 Elite Night Credits
1 Free Night Award each cardmember anniversary (up to 35,000 points)
Complimentary Marriott Bonvoy Gold Elite Status
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
Welcome Offer: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
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
1. 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
1. 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 their 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 — you’ll earn 1 tile for every $1,000 spent.
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
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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
$1,200
$150
N/A
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and free employee cards, there is something that every business owner will love.
Pros
Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000
Complimentary employee cards
No foreign transaction fees
Extended warranty coverage
Payment flexibility (pick your own due date)
Cons
$150 annual fee
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000 or more
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
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 Capital One 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 get your $150 annual fee refunded every year you spend at least $150,000.
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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.
Pros
Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage
Cons
Annual fee: $0 intro for the first year, $95 after that
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
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 Capital One 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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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 Chase 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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
80,000 points
$1,040
$199
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Southwest Rapid Rewards® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits, and helps you reach higher levels of Southwest elite status.
Pros
4x points per $1 spent on Southwest purchases
3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services
2x points per $1 spent on local transit and commuting, including rideshare services
9,000 bonus points each year after your cardmember anniversary
Up to 365 inflight Wi-Fi credits per year
4 Upgraded Boarding certificates per year
Earn 1,500 tier qualifying points towards Southwest status for every $10,000 spent on the card
Up to a $500 fee credit for points transfers when you use your card to transfer points to another Southwest Rapid Rewards member
Employee cards at no additional cost
Global Entry/TSA PreCheck/NEXUS credit
No foreign transaction fees
Lost luggage reimbursement
Baggage delay insurance
Extended warranty protection
Purchase protection
Cons
$199 annual fee
Doesn’t earn transferable rewards
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
9,000 bonus points after your Cardmember anniversary.
Earn 4X pts on Southwest® purchases.
Earn 3X points on Rapid Rewards® hotel and car rental partners.
Earn 2X points on rideshare.
Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other 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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
50,000 miles
$600
$99
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-850)
The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.
Pros
2x miles per $1 on United purchases
2x miles per $1 on dining
2x miles per $1 at gas stations and office supply stores, and on local transit and commuting
1x mile per $1 all other purchases
Free checked bag
2 United Club 1-time passes each year
25% back on United inflight purchases
Complimentary Premier Upgrades
Priority boarding
$100 United Annual Travel Credit after you make 7 United flight travel-related purchases, each totaling $100 or more, with your card
5,000 anniversary bonus miles when you have the United Business card and a personal United credit card
Employee cards at no added cost
Earn 500 PQPs towards United status for every $12,000 you spend on your United Business card (up to 1,000 PQP in a calendar year).
Travel and purchase protections
Cons
Doesn’t earn transferable rewards
Other United cards are more rewarding for United purchases
Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
60,000 points
$900
$199
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.
9x points per $1 spent total for Hyatt stays and experiences: Earn 4x points at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points spent just for being a World of Hyatt member.
2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
2x points per $1 spent on fitness club and gym memberships.
1x point per $1 on all other purchases
Automatic World of Hyatt Discoverist status
Gift World of Hyatt Discoverist status to up to 5 employees
Up to $100 annual Hyatt credit — broken up into 2 $50 statement credits
Access to the Hyatt Leverage program
Earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year
10% back on redeemed points after spending $50,000 in a calendar year (with a cap of 20,000 points back per year); this rebate is only valid on stays after spending $50,000 on the card, and any stays prior to meeting that threshold will not be retroactively credited
Primary rental car insurance
Trip cancellation and interruption insurance
Purchase protection and extended warranty protection
Cons
$199 annual fee
Bonus categories and benefits are very similar to the personal card
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
9 points total per $1 spent at Hyatt - 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
2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
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, 2024, 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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.
A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.
Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
65,000 miles
$910
$0 intro annual fee for the first year, then $99
21.24% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
With the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you get a card that gives you perks like boarding privileges, free checked bags, and discounts on inflight purchases, while also earning more miles for your next award redemption.
Pros
2x miles per $1 spent on American Airlines purchases
2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
1x mile per $1 spent on all other purchases
Free checked bag for you and up to 4 traveling companions
Priority boarding
25% off inflight purchases including food, beverages, and Wi-Fi
Companion Certificate for domestic travel after you spend $30,000 or more in purchases in a cardmember year
No foreign transaction fees
Cons
$99 annual fee
Does not earn transferable rewards
Designed for businesses
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card
Enjoy preferred boarding on American Airlines flights
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
Earn 1 AAdvantage® mile per $1 spent on other purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from 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 the Bank of America® Business Advantage Travel Rewards Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding Alaska Airlines Visa® Business Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding AAdvantage® Aviator® World Elite Business Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The JetBlue Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Wyndham Rewards® Earner℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Information regarding the Capital One Spark Miles for Business 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 for 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.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
What are foreign transaction fees?
A foreign transaction fee is a fee you pay for using your credit card in another country to complete a transaction. It is common for foreign transaction fees to be 3% of your purchase amount, so they can be quite costly if you are using a card that charges them for your overseas travels.
Fortunately, many travel-related credit cards do not charge foreign transaction fees, so it is important to have one if you travel internationally often.
What is the best business credit card with no foreign transaction fees?
When it comes to picking a business credit card with no foreign transaction fees, there is no one best option. Instead, you should consider factors like, which cards offer bonus categories for the items your business spends the most on, what type of rewards your want to earn, and what sort of card benefits are important to you?
Once you answer each of those, you can easily narrow your options down to a select few cards that would be best suited for you.
Do foreign transaction fees apply to online purchases?
No, foreign transaction fees should not apply to any purchases made online. You should only be charged a foreign transaction fee when you make a purchase in-person, in another country.
How do I know if a card charges foreign transaction fees?
All companies are required to disclose whether or not a card charges foreign transaction fees. You can often find this listed on the rates and fees chart on the credit card’s landing page.
However, if a card does not charge a foreign transaction fee, it is almost always listed prominently as a benefit of the card along with the other marketing materials.
Are foreign transaction fees the same as currency conversion fees?
People often confuse the two, but they are not the same. A currency conversion fee is a fee you pay, often 1% of the transaction amount, to be billed in U.S. dollars instead of the local currency. To avoid paying this fee, always select to be billed in the local currency instead.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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