6 Best Business Credit Cards With No Foreign Transaction Fees

Jodie Price

By Jodie Price | Updated October 3, 2025

Finding the right business credit card can make international purchases smoother and more cost-effective. Many business cards charge extra for transactions abroad, but some eliminate these fees while still offering strong rewards and benefits. This guide showcases six top business credit cards with no foreign transaction fees, assisting business owners in finding the best option for their needs.

  • Ink Business Preferred® Credit Card

    The Ink Business Preferred® Credit Card is designed for business owners who want strong rewards on common expenses. It provides flexible points that can be used for travel or everyday business expenses.

    It also provides employee cards at no extra charge, which helps track spending in one account. With no foreign transaction fees, it is a practical choice for frequent international purchases.

    Earning Structure:

    • 3x points on the first $150,000 each year in combined purchases on travel, online advertising, shipping, and internet/cable/phone services
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 90,000 bonus points after spending $8,000 in the first three months of account opening.

    Card Details:

    • Annual fee: $95
    • APR: 20.24%–26.24% variable
    • Other benefits: Free employee cards, purchase protection, cell phone protection
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional perks: Travel and purchase coverage options

    Key Benefits:

    • Strong rewards on business-related categories
    • No foreign transaction fees
    • Flexible redemption through travel partners
    • Free employee cards
    • Built-in purchase protections

    Redemption Options:

    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel partners.

    Credit Requirements:

    Applicants typically need good to excellent credit to qualify, with a recommended FICO score between 670 and 850.

    Spending Limitations / Potential Drawbacks:

    The highest rewards are capped at $150,000 in combined category spending each year.

    Why it Works for Beginners:

    It offers simple reward categories and flexible redemption, making it easy for new business owners to use effectively.

  • American Express® Business Gold Card

    The American Express® Business Gold Card is designed for small business owners who want flexible rewards on everyday expenses. It works well for those who spend across different categories and need a card that adapts to their habits.

    It also includes travel-friendly features, making it useful for business owners who travel abroad. The card comes with business-related perks that can support both spending and growth.

    Earning Structure:

    • 4x points on the two categories where the business spends the most each billing cycle (from a list of eligible categories)
    • 3x points on flights booked directly with airlines or through Amex Travel
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 100,000 Membership Rewards® points after spending $15,000 within the first three months.

    Card Details:

    • Annual fee: $375
    • APR: 18.49%–29.24% variable
    • Other benefits: Baggage insurance, trip delay coverage, $100 experience credit at The Hotel Collection (terms apply)
    • Network: American Express
    • Type: Charge card with pay-over-time option
    • Foreign transaction fees: None

    Key Benefits:

    • Flexible bonus categories
    • Strong travel protections
    • Pay-over-time feature
    • No foreign transaction fees
    • Hotel credit with select properties

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or shopping with partners.

    Credit Requirements:

    Applicants generally need good to excellent credit, with a recommended FICO score between 670 and 850.

    Spending Limitations / Potential Drawbacks:

    The annual fee is higher than some alternatives, and rewards categories may not fit every business.

    Why it Works for Beginners:

    It simplifies rewards by automatically adjusting bonus categories, making it easy for new business owners to earn points without tracking spending closely.

  • Capital One Spark Cash Plus

    The Capital One Spark Cash Plus is a business charge card designed for owners who want straightforward rewards. It offers a flat cash back rate on all purchases, making it simple to track earnings without worrying about categories.

    This card is built for businesses with consistent or high spending. Since it requires payment in full each month, it encourages responsible use while still providing unlimited rewards. It also has no foreign transaction fees, making it useful for international business expenses.

    Earning Structure:

    • 5% cash back on hotels and rental cars booked through Capital One’s travel booking site
    • Unlimited 2% cash back on all purchases

    Welcome Bonus:

    New cardholders can earn a one-time cash bonus of $2,000 after spending $30,000 within the first three months.

    Card Details:

    • Annual fee: $150
    • APR: Not applicable (charge card, balance must be paid in full)
    • Other benefits: Account management tools, employee cards at no extra cost
    • Network: Mastercard
    • Type: Business charge card
    • Foreign transaction fees: None
    • Additional details: No preset spending limit, but charges must be paid monthly

    Key Benefits:

    • Flat 2% cash back on every purchase
    • No foreign transaction fees
    • Simple rewards program with no caps
    • Employee cards at no extra cost
    • Access to Mastercard business benefits

    Redemption Options:

    Cash back can be redeemed as a statement credit or applied toward purchases.

    Credit Requirements:

    Applicants generally need excellent credit to qualify, with a recommended FICO score between 740 and 850.

    Spending Limitations / Potential Drawbacks:

    The $150 annual fee may outweigh rewards for businesses with low spending.

    Why it Works for Beginners:

    Its simple earning structure and no foreign transaction fees make it easy for new business owners to manage.

  • The Business Platinum Card® From American Express

    The Business Platinum Card® from American Express is a premium business credit card designed for frequent travelers and owners who want access to valuable perks. It focuses on travel rewards and offers strong features for those who spend heavily on flights and hotels.

    It includes premium services like travel protections and business credits. With no foreign transaction fees, it suits businesses seeking flexible rewards and added perks.

    Earning Structure:

    • 5x points on flights and prepaid hotels booked through Amex Travel
    • 1.5x points on eligible purchases in select business categories and large transactions
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 150,000 Membership Rewards points after spending $20,000 in the first three months.

    Card Details:

    • Annual fee: $695
    • APR: 18.49%–29.24% variable
    • Other benefits: Airport lounge access, travel protections, business statement credits
    • Network: American Express
    • Type: Charge card with pay-over-time options
    • Foreign transaction fees: None
    • Additional perks: Expense management tools, purchase protection

    Key Benefits:

    • No foreign transaction fees
    • Access to airport lounges worldwide
    • Business credits for travel and services
    • Flexible points redemption options
    • Premium travel protections

    Redemption Options:

    Points can be redeemed for flights, hotels, gift cards, or transferred to airline and hotel partners.

    Credit Requirements:

    To qualify, applicants should have a FICO score between 670 and 850, considered good to excellent.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not suit smaller businesses with limited travel needs.

    Why it Works for Beginners:

    It helps new business owners earn valuable rewards while avoiding foreign transaction fees.

  • Capital One Spark Classic For Business

    The Capital One Spark Classic for Business is designed for small business owners who need a straightforward card without complicated rewards. It provides a simple way to build business credit while earning cash back on everyday purchases.

    This card is often chosen by those who may not qualify for premium business cards but still want access to business-friendly features. With no foreign transaction fees, it also supports businesses that make purchases abroad.

    Earning Structure:

    • 5% cash back on hotels and rental cars booked through Capital One Travel
    • 1% cash back on all purchases

    Welcome Bonus:
    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: 29.74% variable
    • Other benefits: Free employee cards with set spending limits
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional info: Helps build business credit with responsible use

    Key Benefits:

    • No annual fee to maintain the card
    • Cash back on every purchase
    • No foreign transaction fees
    • Employee cards at no extra cost
    • Reports to business credit bureaus

    Redemption Options:
    Cash back can be redeemed as statement credits or applied toward purchases.

    Credit Requirements:
    Applicants are more likely to qualify with fair credit, typically a FICO score between 580 and 740.

    Spending Limitations / Potential Drawbacks:
    The 5% rate only applies to Capital One Travel bookings; all other purchases earn just 1%, making the overall rewards less competitive.

    Why it Works for Beginners:
    It is a practical option for new business owners who want to build credit history without paying an annual fee.

  • Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

    This card is designed for business owners who want to earn travel rewards without worrying about extra fees abroad. It offers simple earning potential and flexible redemption choices.

    It works well for those who travel often for business and want to keep costs predictable. With no foreign transaction fees, it helps business owners save on international purchases while still providing useful benefits for both everyday and travel spending.

    Earning Structure:

    • Unlimited 1.5 points for every $1 spent

    Welcome Bonus:
    New cardholders can earn 30,000 online bonus points after spending at least $3,000 in the first three months of account opening.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–27.49% variable
    • Other benefits: Travel and purchase protections
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional perks: Access to Bank of America Business Advantage services

    Key Benefits:

    • No annual fee to maintain the card
    • Flat-rate rewards on all purchases
    • Higher rewards on travel booked through Bank of America
    • No foreign transaction fees
    • Flexible redemption options

    Redemption Options:
    Points can be redeemed for travel, cash back, gift cards, or statement credits.

    Credit Requirements:
    Applicants usually need excellent credit to qualify, with a recommended FICO score ranging from 740 to 850.

    Spending Limitations / Potential Drawbacks:
    Rewards rates are higher for travel booked through Bank of America, which limits the best earning potential to that platform.

    Why it Works for Beginners:
    It offers flat-rate rewards and no annual fee, making it easy for new business owners to manage.

Frequently Asked Questions

What are the top-rated business credit cards that offer no foreign transaction fees?

The Ink Business Preferred Credit Card is a strong option with high rewards on travel and select business expenses. The Business Platinum Card from American Express also provides premium travel perks while avoiding foreign transaction fees. For simple flat rewards, the Capital One Spark Cash Plus offers unlimited 2% cash back and global acceptance.

Which business credit cards provide the best rewards for foreign transactions without charging additional fees?

The Ink Business Preferred Credit Card offers 3x points on travel and other key business categories with no foreign transaction fees. The American Express Business Gold Card adapts to your highest spending categories each billing cycle, making it flexible. Both cards offer great rewards and can be used internationally.

Are there any business credit cards with no foreign transaction fees and no annual fee?

The Capital One Spark Classic for Business has no annual fee and no foreign transaction fees, making it an affordable choice. The Bank of America Business Advantage Travel Rewards Card also fits this need with flat-rate rewards and no annual cost. These cards provide value without added expenses.

Can you recommend a Chase business credit card that doesn’t have foreign transaction fees?

The Chase Ink Business Preferred Credit Card does not charge foreign transaction fees. It also provides strong travel protections and rewards on travel purchases. This makes it a good choice for businesses with international expenses.

What is the best business credit card for premium travel perks without foreign transaction fees?

The Business Platinum Card from American Express is the top choice for premium benefits and international use. It includes airport lounge access, travel credits, and strong protections while avoiding foreign transaction fees. This makes it ideal for businesses that spend heavily on flights and hotels abroad.