Best Business Credit Cards with No Foreign Transaction Fees in 2024

The Business Platinum Card® from American Express is an excellent option for business owners seeking robust rewards and benefits. Its generous welcome offer makes for a powerful start, particularly for those with large initial expenditures, while tiered rewards on high-volume spending categories make each dollar spent a valuable investment. Beyond that, this card's statement credits are a cashback boon across diverse business essentials, enhancing operational efficiency and the card's overall worth. Plus, the travel perks are fantastic for frequent flyers, offering both luxury and peace of mind. While the Amex Platinum does come with a famously high annual fee, the rewards and benefits can easily justify the cost for high-spending businesses.

• Earn 150,000 Membership Rewards® points after spending $20,000 in eligible purchases within the first 3 months.
• Earn 5X points on flights and prepaid hotels booked through AmexTravel.com.
• Earn 1X points on other eligible purchases.
• Earn 1.5X points on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, up to $2 million per Card Account per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting, and wireless in the first year. Enrollment required.
• Receive up to $200 in statement credits per calendar year for incidental fees charged by a selected airline.
• Get up to $199 in statement credits per calendar year for CLEAR® Plus Membership.
• Access to over 1,400 airport lounges across 140 countries with the American Express Global Lounge Collection®.
• Annual fee of $695. See rates and fees.
• Terms apply.
• See rates and fees.

The American Express® Business Gold Card is a gem for any business-savvy individual. Its generous initial rewards can quickly set you up for success, and its tailored rewards structure means you're earning more on your top spending areas. Plus, you're in for extra perks like savings on popular services every month. While it does come with a few intricacies in its reward system and some caps, once you get a hang of it, you'll find it's a valuable ally in managing your business expenses. And, let's not forget, you even get to pick its stylish look.

• Earn 100,000 Membership Rewards points after spending $15,000 on eligible purchases within the first 3 months.
• 0% Intro APR for 6 months on purchases eligible for Pay Over Time, then a variable APR of 19.49% to 28.49% after that. See Rates and Fees
• Earn 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from six eligible categories, up to $150,000 in combined purchases each calendar year. After that, earn 1X points.
• Earn 3X Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn 1X is earned for other purchases.
• Up to $20 in monthly statement credits for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Providing potential annual savings of up to $240. Enrollment required.
• Up to $12.95 in monthly statement credits for a Walmart+ membership.
• Choose from three metal designs: Gold, Rose Gold, and Limited Edition White Gold. The White Gold design is available while supplies last.
• There is an annual fee of $375 See Rates and Fees
• Terms Apply
• See Rates and Fees

The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.

• Earn a one-time bonus of 50,000 miles after spending $4,500 in the first 3 months.
• Earn unlimited 2X miles per dollar on every purchase, with no limits or category restrictions.
• Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
• Transfer your miles to over 15 travel loyalty programs.
• Redeem miles for flights, hotels, and ride-sharing services.
• Receive up to a $100 statement credit or TSA PreCheck® or Global Entry.
• $0 introductory annual fee for the first year; $95 after that.
• Free employee cards that also earn unlimited 2X miles.

This card is a great all-round business card, offering a decent flat rate for rewards, a sizable sign up bonus and the convenience of no additional fees for foreign transactions. If you're a small business owner looking for a no-annual-fee cash back card, this deserves a spot on your shortlist.

• Spend $6,000 in the first three months and earn a $750 intro bonus
• 1.5% cash back on all purchases
• 5% cash back on travel booked through Capital One Travel
• No annual fee
• No foreign transaction fees
• Free employee cards
• Tracking and monitoring of all cards
• Business reporting options, like year-end itemized summaries for taxes and purchase records in multiple formats

We recommend the Costco Anywhere Visa® Business Card by Citi for small businesses that are Costco members and are looking for a no-annual-fee card. Category-based spending lets you earn up to 4% cash back. You may redeem the cash back you earn at Costco Warehouses across the U.S. This card also comes with a competitive APR for purchases.

Using this card when traveling outside of the U.S. makes sense as it does not charge any international transaction fees.

Purchases you make using this card receive cover through extended warranty as well as damage and theft purchase protection.

Cardholders may also use the Citi Entertainment and Citi Concierge services to good effect.

• Discover the only business credit card designed exclusively for Costco members
• 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

The Ink Business Preferred® Credit Card is a robust ally for businesses, offering an impressive welcome offer that sets the tone for its value-driven features. With a rewards structure that generously caters to travel and specific business expenses, the card helps turn everyday spending into tangible benefits. Its suite of travel protections brings confidence to frequent travelers, and the modest annual fee is easily justified by the multitude of perks, including free employee cards. In short, it’s an astutely designed card that recognizes and rewards modern business dynamics.

• Earn 90,000 bonus points after spending $8,000 on purchases in the first three months. This can be redeemed for $900 cash back or $1,125 toward travel through Chase Travel℠.
• Earn 3 points per dollar on the first $150,000 spent on travel and select business categories each year.
• Earn 1 point per dollar on all other purchases.
• Points are worth 25% more when redeemed for travel through Chase Travel℠.
• Round-the-clock monitoring for unusual credit card purchases.
• Zero Liability protection ensures you won't be held responsible for unauthorized charges.
• Redeem points for cash back, gift cards, travel, and more. Points don't expire as long as your account is open.
• Purchase Protection covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Member FDIC

The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.

• Earn a one-time cash bonus of $2,000 after spending $30,000 in the first three months.
• Earn an additional $2,000 for every $500,000 spent during the first year, with no limit on how many times you can earn this bonus.
• Earn unlimited 2% cash back on every purchase, everywhere, with no limits or category restrictions.
• Enjoy 5% cash back on hotels and rental cars booked through Capital One Travel.
• No preset spending limit, adapting to your business needs based on spending behavior, payment history, and credit profile.
• Free employee and virtual cards to empower your team and earn rewards from their transactions.
• Automatic syncing of transaction data with your accounting software and easy vendor payments.
• $150 annual fee, refunded if you spend $150,000 annually.
• No APR, as the balance is due in full every month.

The Marriott Bonvoy Business® American Express® Card is a robust and savvy choice for small business owners who frequently travel, particularly for those loyal to Marriott Bonvoy hotels. Its rewarding points system aligns seamlessly with everyday business expenditures, plus the generous welcome bonus is a major kick-start. The card's benefits, including free night awards and Gold Elite Status, offer significant value and can easily offset the annual fee while potentially transforming every business trip into a VIP experience. Furthermore, making travel purchases on this card provides a safety net of various travel insurance protections, adding peace of mind to each journey.

• You can earn 3 Free Night Awards after spending $6,000 in the first 6 months. Each award can be redeemed for up to 50,000 Marriott Bonvoy points. Note that some hotels may have resort fees. Terms apply.
• Receive a 7% discount on eligible bookings when you book directly with Marriott as a Marriott Bonvoy member and cardholder.
• Earn 6X Marriott Bonvoy points on eligible purchases at Marriott Bonvoy hotels
• Earn 4X Marriott Bonvoy points on restaurants worldwide, U.S. gas stations, wireless services from U.S. providers, and U.S. shipping purchases
• Earn 2X Marriott Bonvoy points on all other eligible purchases.
• Get 1 Free Night Award every year after your card renewal month. Earn an additional Free Night Award after spending $60,000 in a calendar year. Each award can be redeemed for up to 35,000 Marriott Bonvoy points. Note that some hotels may have resort fees.
• Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your card.
• Annual fee: $125 See rates and fees.
• Terms apply.
• See rates and fees.

The Hilton Honors American Express Business Card is a powerful tool for businesses, particularly those with frequent travel or dining needs. Its standout benefits are the generous welcome offer and robust hotel perks, which include status upgrades and free nights. Its diverse earning categories make accumulating points easy and rewarding, and no foreign transaction fees make it a great companion for international travel. While the value of Hilton Honors points might be lower than some competitors, the card's high earning rates can offset this if they align with your typical business spending. Lastly, its annual fee is modest and can easily be justified considering the rich rewards and perks, delivering both practical value and a touch of luxury for your business.

• Earn 130,000 Hilton Honors Bonus Points after spending $6,000 on purchases within the card's first six months.
• Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card, which includes benefits at Hilton hotels and resorts such as an 80% bonus on all Base Points earned on every stay.
• Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• Earn up to $240 back annually for eligible purchases made directly with Hilton.
• Upgrade to Hilton Honors Diamond Status through the end of the calendar year by spending $40,000 or more in eligible purchases within a calendar year.
• Earn 5X Hilton Honors Bonus Points on other purchases up to $100,000 each calendar year. All purchases thereafter earn 3X points.
• Enjoy complimentary National Car Rental Emerald Club Executive status (enrollment required).
• Annual fee of $195 See rates and fees.
• Terms apply.
• See rates and fees.

The United℠ Business Card is tailored to the needs of frequent travelers and business professionals, offering a substantial welcome bonus, reward miles on United Airlines purchases and rich travel perks and protections. While it comes with comprehensive travel conveniences, potential cardholders must weigh these with the card's annual fee and lack of introductory APR offers. Ideal for those aiming to maximize travel benefits, this card can be a strategic choice for enhancing comfort and affordability while traveling.

All information about the United℠ Business Card has been collected independently by Moneygeek.com and has not been reviewed by the issuer.

• Earn 75,000 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 UnitedSM 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 $160 per roundtrip (terms apply), 2 United ClubSM 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.
• Member FDIC
• Regular APR between 21.99% and 28.99% (variable)

If you're a frequent Delta flyer or business owner looking for premium travel perks, the Delta SkyMiles® Platinum Business American Express Card could be a game-changer for you. The card's welcome offer alone is a head-turner and can easily cover a round-trip flight. The annual fee is offset by value-added features like annual companion tickets and discounted lounge access. Plus, it's versatile in earning miles on both everyday and large business expenses.

• Earn 65,000 Bonus Miles after spending $6,000 in purchases within the first 6 months of your new card.
• A Companion Certificate each year after renewal, with taxes and fees up to $80 for domestic flights and $250 for international flights.
• Earn 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. If a purchase qualifies for a category with a higher mileage accelerator, only the higher accelerator will apply.
• Make your way to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases.
• Save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With the $120 Resy Credit earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag, and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Annual fee of $350. See rates and fees
• Terms and limitations apply.
• See rates and fees\n
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The World of Hyatt Business Credit Card is a powerhouse for Hyatt loyalists, offering rich rewards on spending, with exceptionally high returns on Hyatt hotel purchases. It caters to domestic and international spenders, with no foreign transaction fees and a host of travel protections, making it a reliable companion on your journeys. Additionally, this card offers opportunities for free nights and status accelerations within the World of Hyatt program. However, its value may be less compelling for infrequent travelers or those seeking broader hotel options or airport lounge access.

• Earn 60,000 Bonus Points after spending $5,000 in the first 3 months, plus an additional 15,000 Bonus Points after spending $12,000 in the first 6 months.
• Up to 9 points per $1 spent at Hyatt: 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels and up to 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. 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.
• 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 annually: 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 for every $10,000 spent in a calendar year.
• World of Hyatt Discoverist status for the account holder and up to five employees.

The Delta SkyMiles® Gold Business American Express Card offers significant value for frequent travelers, particularly those loyal to Delta. Right off the bat, there's an enticing welcome bonus, ensuring you start on a high note. You'll also benefit from notable discounts and unique perks on Delta flights. If international travel is on the cards, rest easy knowing you won't be hit with foreign transaction fees. Plus, the waived annual fee for the first year is a pleasant touch. While rewards can be complex and come with caps, the card's overall benefits and potential savings are hard to overlook.

• Earn 55,000 Bonus Miles after spending $4,000 in purchases within the first six months.
• $0 introductory annual fee for the first year, then $150. See rates and fees
• Save 15% on Award Travel with miles on Delta flights when booking through delta.com or the Fly Delta app.
• Receive a $200 Delta Flight Credit after spending $10,000 on purchases in a year.
• Earn 2 miles per dollar spent on purchases at U.S. shipping providers and U.S. providers for advertising in select media, up to $50,000 per category per year.
• Earn 2 miles per dollar on eligible purchases made directly with Delta and at restaurants.
• Earn 1 mile per dollar on all other purchases.
• Your first checked bag is free on Delta flights. Enjoy Zone 5 priority boarding.
• Annual statement credit of up to $150 for prepaid hotels or vacation rentals booked through Delta Stays on delta.com.
• Receive 20% savings in the form of a statement credit on eligible Delta in-flight purchases.
• No foreign transaction fees. See rates and fees
• Terms and limitations apply.