Top 18 Business Credit Cards with Zero Foreign Transaction Charges [2025 Edition]

Top 18 Business Credit Cards with Zero Foreign Transaction Charges [2025 Edition]

Top Business Credit Cards with No Foreign Transaction Fees

In the ever-evolving world of business, having the right credit card can significantly boost your rewards and benefits. Here are some of the best business credit cards with no foreign transaction fees, perfect for businesses with international expenditures.

1. Capital One Spark Cash Select
2. Earn a flat 1.5% cash back rate on all purchases.
3. No annual fee and no foreign transaction fees.
4. American Express Blue Business Plus Card
5. Earn 2x Membership Rewards points on the first $50,000 spent annually (then 1x).
6. No annual fee.
7. American Express Blue Business Cash Card
8. Offers 2% cashback on the first $50,000 of annual purchases (then 1%).
9. No annual fee.
10. Capital One Spark 1% Classic
11. No annual fee and no foreign transaction fees.
12. Provides 5% cash back on select travel purchases.

When selecting a card, consider your business needs, such as types of purchases and travel frequency, to maximize rewards and benefits.

Cards for Frequent Flyers

For business owners who are frequent flyers, these cards offer additional perks and rewards.

• The JetBlue Business card offers 6x points per $1 on eligible JetBlue purchases, 2x points per $1 at restaurants and office supply stores, and 1x point per $1 on all other purchases.
• The Citi / AAdvantage BusinessTM World Elite Mastercard offers a free checked bag for the cardholder and up to 4 traveling companions on domestic American Airlines flights, a 25% discount on inflight food and beverage purchases as a statement credit, and 25% off inflight Wi-Fi.
• The New UnitedSM Business Card offers 2x miles per $1 on dining, including eligible delivery services, and a $125 United travel credit (i.e., TravelBank cash) each anniversary year that you make 5 United flight purchases, each totaling $100 or more.
• The Southwest Rapid Rewards Performance Business Credit Card offers 4x points per $1 spent on Southwest purchases and 2x points per $1 on Rapid Rewards hotel and car rental partner purchases (through December 31, 2025).
• The Delta SkyMiles Reserve Business American Express Card offers 3x miles per $1 on purchases made directly with Delta.

Cards for Businesses with Large Expenses

For businesses with large annual expenses, these cards offer attractive cash-back or bonus point opportunities.

• The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases, up to $4,000 cash-back annually for businesses with large annual expenses, and a $150 annual fee refund for businesses that spend at least $150,000 annually.
• The Ink Business Preferred Credit Card offers 3x points per $1 on up to $150,000 in combined spend on shipping purchases, advertising purchases, internet, cable, and phone services, travel, and select business categories.
• The Southwest Rapid Rewards Performance Business Credit Card offers 2,500 tier qualifying points for every $5,000 spent on the card, with no limit on the amount of TQPs you can earn each year.

Cards for Businesses Looking for Transferable Rewards

For business owners seeking simplicity and transferable travel rewards, these cards offer a variety of options.

• The Capital One Spark Miles for Business card offers 2x transferable miles on every dollar spent.
• The Ink Business Preferred Credit Card offers transferable points to 14 different Chase transfer partners.
• The American Express Business Gold Card offers 4x Membership Rewards points in 2 select categories where your business spends the most each month, up to $150,000 in combined purchases every calendar year.

Cards for Businesses with Specific Loyalty Programs

For business owners who are loyal to specific hotel or airline brands, these cards offer enhanced rewards and benefits.

• The Wyndham Rewards Earner Business card offers complimentary top-tier Diamond status within the Wyndham Rewards program.
• The Hilton Honors American Express Business Card offers automatic Hilton Honors Gold status and the ability to spend your way to Hilton Honors Diamond status after $40,000 in eligible purchases in a calendar year.
• The Marriott Bonvoy Business American Express Card offers 6x points per $1 on eligible purchases at hotels participating in the Marriott Bonvoy program.
• The World of Hyatt Business Credit Card offers up to 9 points total per $1 spent at Hyatt hotels.

When choosing a card, consider your business needs, such as types of purchases and travel frequency, to maximize rewards and benefits.

1. In addition to managing finances and business expenses, understanding the history of travel and its evolution can help business owners make informed decisions when choosing travel-oriented credit cards.
2. For businesses in the food industry, offering customer-pleasing menus and expanding into new markets can be aided by keeping up with global news and identifying emerging food trends.
3. The business sector's influence on the economy is significant, with the growth of finance, technology, and other industries affecting overall economic health.
4. As businesses expand their operations to international markets, it's essential to be aware of local customs and regulations, especially those concerning trade and finance, to maintain a positive reputation and avoid potential legal issues.

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