Which business credit cards have no foreign transaction fees? August 2025
- What are foreign transaction fees?
- Difference between foreign transaction fees and currency conversion fees
- Why more businesses are getting hit with cross-border fees
- How much do foreign transaction fees really cost growing businesses?
- Signs you may need a card with no foreign transaction fees
- What to expect from a no-foreign-transaction-fee business credit card
- How to evaluate cards if your team makes international purchases
- Do business credit cards have foreign transaction fees?
- Best business credit cards with no foreign transaction fees
- Which industries benefit most from no-forex-fee cards?
- Get a Ramp Business Credit Card to avoid foreign transaction fees
Business credit cards with no foreign transaction fees help you make international purchases without paying extra charges on top of the exchange rate. These cards let your team spend across borders without incurring the typical 3% fee per transaction.
Most business credit card issuers charge a small foreign transaction fee for each purchase made with any currency other than the US dollar. If you spend the equivalent of $100,000 in other currencies on some business credit cards, you can pay an additional $3,000 in foreign transaction fees.
The best business credit cards with no foreign transaction fees include:
- Ramp Business Credit Card
- The Business Platinum Card from American Express
- Chase Ink Business Premier Credit Card
- Capital One Spark 2% Cash Plus
- Amazon Business American Express Card
- Capital One Spark Classic for Business
- Bank of America Business Advantage Travel Rewards World Mastercard
What are foreign transaction fees?
FX fees
A foreign transaction fee is a surcharge your card issuer adds when you make a purchase in a currency other than US dollars or through a non-US payment processor. The fee typically combines a network fee from Visa or Mastercard with an additional charge from the issuing bank.
Most business credit cards charge around 3% per foreign transaction. That means a $5,000 vendor payment processed overseas could cost you an extra $150 with no added value.
These fees apply even when purchases happen online. If your business pays for software based in Europe or reimburses employees for international travel, you could be paying this fee regularly without realizing it.
Foreign transaction fees are not always labeled clearly. They often appear on statements as part of the total cost, making them easy to overlook during reconciliation.
Businesses that operate globally or use international tools frequently end up absorbing these charges month after month. Over time, they cut into profit margins, inflate vendor costs, and create friction in expense reporting.
Where do foreign transaction fees show up?
Foreign transaction fees usually appear directly on your credit card statement, either as a separate line item or included in the total transaction amount. Some issuers label them clearly as “foreign transaction fee” or “international processing fee,” while others group them with general finance charges.
You may notice them in your month-end reports when totals exceed the original invoice amounts. These fees often slip through unnoticed until reconciliation, especially when dealing with multiple currencies or global vendors.
In accounting platforms, foreign fees can create small mismatches between expected and posted charges. If your business uses automated expense tools, these gaps may flag errors or trigger manual reviews.
They can also show up in reimbursement requests. If an employee pays for a hotel abroad, the receipt might reflect one price, while the credit card statement shows a higher amount with the fee included.
Difference between foreign transaction fees and currency conversion fees
Foreign transaction fees and currency conversion fees often appear together on international purchases, but they represent separate charges. One is tied to how the payment is routed, while the other reflects how the currency is converted.
A foreign transaction fee is a charge from your card issuer for processing a payment through a non-US financial institution. A currency conversion fee, on the other hand, comes from the card network, such as Visa or Mastercard, when a transaction in a foreign currency needs to be converted into US dollars.
Feature | Foreign transaction fee | Currency conversion fee |
|---|---|---|
Purpose | Covers the cost of processing through a non-US financial system | Covers the cost of converting currency |
Currency involved | May apply even if charged in USD | Only applies if charged in a foreign currency |
Typical rate | Around 3% | Around 1% |
Appears as on statement | Itemized as a separate line or bundled with the transaction total | Reflected in the exchange rate used |
Impact on total cost | Raises the fee above the purchase amount | Affects the final USD amount debited |
Common scenarios | SaaS tools billed through non-US entities | Travel purchases in euros, pounds, etc. |
Applied on | Any international transaction, regardless of currency | Any transaction in non-USD currency |
Tracking difficulty | Often hidden in card statements | Expense approvals get delayed due to unexpected fees |
Why more businesses are getting hit with cross-border fees
Cross-border fees used to affect mostly travel-heavy companies. But these days, SaaS startups, e-commerce brands, marketing firms, and even local service providers now face these charges regularly.
If your business pays international vendors, runs digital ads, or works with global contractors, you could be incurring fees without realizing it. These costs often slip through unnoticed because the charges are small but frequent.
- Global vendors are powering more of your tech stack. Many SaaS platforms and ad tools are based outside the United States. If your billing address routes through a foreign processor, your transactions may trigger a cross-border fee. Among US-headquartered multinational enterprises, over 30% of their total workforce is located abroad.
- Remote hiring and international contractors are on the rise. Teams are hiring globally, even for roles that were once domestic. Paying freelancers or agencies based abroad can lead to foreign fees, even if the invoice is in US dollars.
- Credit card networks flag more transactions as international. Even when purchases happen in US dollars, the underlying processor might be outside the country. If the merchant account is non-US, your card issuer may apply a cross-border surcharge.
- Teams book travel or lodging through international providers. Booking through platforms like Ryanair, Agoda, or foreign hotel chains results in non-USD billing. These purchases often come with additional card fees, even when they appear routine.
- Automated billing hides the details. Recurring payments for tools like analytics dashboards, newsletter software, or hosting services may not show the billing entity's location. You often find out after the fee has been applied.
- More cards bundle multiple fees into one charge. Some issuers include both the foreign transaction fee and a cross-border processing fee, making the total charge higher than expected. Businesses that process dozens of transactions per month may not catch these extra costs right away.
How much do foreign transaction fees really cost growing businesses?
Foreign transaction fees typically range from 2% to 3% of each international purchase. These charges apply on top of the original expense and offer no added service or protection. For businesses that spend regularly across borders, these fees act as a quiet tax on growth.
A company that spends $25,000 each month on international SaaS tools, vendor payments, and travel ends up paying $750 in foreign transaction fees at a 3% rate. Over the course of a year, that adds up to $9,000 lost to processing charges alone.
These fees often slip through unnoticed because they appear as small line items on individual statements. As spending grows, they become harder to track and easier to overlook. Many businesses only realize the scale during a quarterly review or audit.
Every dollar paid in fees reduces available cash flow. That same $9,000 could have supported a software upgrade, extended runway, or added a new contractor. For growing teams, avoiding these charges creates more room to operate without increasing revenue targets.
Controlling these hidden costs can have a measurable impact. When Sana Benefits tightened expense visibility and policy enforcement, the team reduced out-of-policy travel spend by 10%.
That kind of improvement shows how much room there is to recover lost budget. Applying the same discipline to foreign transaction fees ensures that money stays in your business instead of being absorbed by unnecessary charges.
Signs you may need a card with no foreign transaction fees
Signs often appear as small gaps between what you expect to spend and what actually shows up on your statement. They include recurring charges that feel slightly inflated, inconsistent totals for software tools, or unexplained fees on otherwise routine purchases. These patterns point to international processing or currency-related costs that can quietly reduce your available budget.
Even if your team operates primarily in the US, the way you spend can trigger foreign transaction fees. The signs below help you spot when those fees are becoming a cost center in your business.
Activity or spend type | Why this triggers foreign fees | What to watch for |
|---|---|---|
Paying for SaaS tools from international providers | Many platforms route billing through non-US processors | Monthly subscription totals vary from invoice amounts |
Hiring contractors or freelancers abroad | Payments are often processed through foreign banks | Reimbursement requests or wire fees seem inflated |
Running paid ads on global platforms | Fees appear on transactions from Meta or Google Ads | |
Booking international business travel | Charges for flights or hotels come from providers based outside the US | Travel-related expenses consistently cost more than expected |
Using marketplaces with global sellers | Vendor location affects how the payment is routed | Product cost is correct but the statement shows an added fee |
Making bulk purchases from overseas | International suppliers often bill in local currency or route via local banks | Payment processor location shows outside the US |
Receiving multiple finance team alerts | Cards with limits may flag international charges | Expense approvals get delayed due to unexpected fees |
What to expect from a no-foreign-transaction-fee business credit card
A business credit card with no foreign transaction fees removes the extra percentage that card issuers normally charge for international payments. For companies making frequent global transactions, this can mean thousands in annual savings. These cards also tend to be designed with cross-border spending in mind, offering features that improve both cost control and ease of use.
- No additional cost on foreign purchases. You will not pay the typical 2% to 3% surcharge when transactions are processed outside the US or in a non-USD currency. A company spending $50,000 annually on global services could save $1,500 or more simply by using this type of card.
- Wide merchant acceptance worldwide. Cards in this category are often backed by major networks like Visa, Mastercard, or American Express, which have extensive global coverage. This makes it easier to pay vendors, book accommodations, or settle invoices without payment failures.
- Accurate and predictable expense reporting. With no extra fee lines added to each transaction, your statements show cleaner figures that match invoice totals. This reduces the time your finance team spends investigating small cost discrepancies.
- Integration with multi-currency accounting platforms. Many cards connect directly to systems like QuickBooks, NetSuite, or Xero. This ensures that foreign purchases are automatically recorded in USD at the correct exchange rate, streamlining reconciliation.
- Real-time tracking of international spend. Card dashboards often update within minutes, allowing you to see global charges as they happen. This visibility helps detect unusual transactions and monitor spend against budget without waiting for month-end reports.
- Custom controls for overseas transactions. Some issuers let you restrict international spending by category, merchant, or limit per cardholder. This can help prevent unauthorized travel bookings or non-business charges abroad.
- Travel perks designed for business use. Benefits can include trip delay reimbursement, rental car insurance, and access to airport lounges. These features add value for employees who travel internationally while reducing the need for separate travel coverage.
How to evaluate cards if your team makes international purchases
Evaluating business credit cards for international use often involves both the finance team and operational leads. Controllers and CFOs look at cost, accounting integration, and approval workflows, while department heads focus on usability for their teams.
Procurement managers may weigh in when vendor relationships span multiple countries. Together, they assess which card delivers the right mix of cost savings, controls, and global acceptance.
Step 1: Review your international spend patterns
Start by pulling 6 to 12 months of expense data. Highlight every payment that went to a vendor, supplier, or service provider based outside the US. Include subscriptions for SaaS tools, payments to global contractors, airline tickets, and hotel stays.
This helps you see how often foreign transaction fees would have applied. If most of your total spend is international, the right card choice can produce significant savings.
Step 2: Compare total cost, not just the absence of fees
A no-foreign-transaction-fee feature can save up to 3% on each eligible purchase, but that alone does not guarantee the card is cost-effective. Review the annual fee, any interest charges, and processing fees for other transactions.
For example, a company that spends $100,000 on international purchases could save $3,000 annually in waived fees, making a $500 annual card fee worthwhile if other benefits align with the business’s needs.
Step 3: Check exchange rate practices
Even if the card does not charge a foreign transaction fee, currency conversion still happens when paying in a non-USD currency. Some networks use competitive market rates, while others add a small markup. Knowing how the card network sets these rates helps you estimate the true cost of each transaction and avoid surprises during reconciliation.
Step 4: Evaluate acceptance in the regions you work with most
Not all cards are equally accepted worldwide. Consider the card networks your key vendors, suppliers, and travel partners accept. Visa and Mastercard have the broadest reach globally, while American Express can be strong in certain regions but less accepted in others. Ensuring the card is widely accepted where you do business prevents delays and the need for backup payment methods.
Step 5: Look for expense tracking and spending controls
International purchases can complicate bookkeeping. Cards that integrate with your accounting system can automatically record the correct USD amount and match it with the original invoice. Features like merchant-specific limits or category restrictions also help you manage spending in different markets without slowing down approvals for legitimate expenses.
Step 6: Weigh additional benefits for your global operations
Many cards in this category include perks tailored to international use, such as trip delay coverage, lost luggage reimbursement, or bonus rewards on travel purchases. If your team travels frequently or orders high-value goods from overseas, these benefits can add meaningful value and help offset other operational costs.
Do business credit cards have foreign transaction fees?
Yes, some business credit cards have foreign transaction fees. These fees are typically a percentage of each transaction made in a foreign currency. However, many cards waive these fees, making them a valuable option for businesses with international spending.
Best business credit cards with no foreign transaction fees
Here’s a breakdown of which business credit cards don’t charge foreign transaction fees.
1. Ramp Business Credit Card
Ramp Business Credit Card
- Cashback rewards with flexible redemption options
- Built-in expense management software
- No credit check or personal guarantee required
- Must be a registered business to qualify
- Must have most of your business spend in the US
The Ramp Business Credit Card is ideal for businesses looking to avoid foreign transaction fees while benefiting from a streamlined expense management platform. With cashback on purchases and no preset spending limits, it’s perfect for businesses that value simplicity and flexibility. Additionally, Ramp offers robust tools for managing spending, automating expense reporting, and providing real-time insights into your financial health—all with no fees, including no foreign transaction fees.
2. The Business Platinum Card from American Express
The Business Platinum Card from American Express
- 5x points on flights and prepaid hotels booked via Amex Travel
- No preset spending limit
- Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status
- Access to airport lounges and other travel perks
- No foreign transaction fees
- “Pay Over Time” offers payment flexibility on eligible purchase
- High annual fee of $695
- Rewards program is relatively complex
- Benefits are primarily travel-focused, less so on other business expenses
- Requires full balance payment each month
The Business Platinum Card is perfect for luxury business travelers who want a wealth of travel perks, including lounge access, Global Entry/TSA PreCheck credits, and annual airline fee credits. Despite the high annual fee, the array of perks and rewards, including hotel status and flexible point transfers, statement credits, and more. Enrollment required.
3. Chase Ink Business Premier Credit Card
Chase Ink Business Premier Credit Card
- $1,000 bonus cashback if you spend $10,000 in your first 3 months
- No foreign transaction fees
- Elevated cashback rewards on large purchases over $5,000
- "Flex for Business" provides payment flexibility on eligible purchases
- High annual fee
- Requires significant spend to unlock welcome bonus
- Limited expense management features
- Requires full balance payments each month
- "Flex for Business" only available on specific purchases
This card is ideal for business owners who want flexibility in how they use their rewards. It offers 3x bonus points on key business categories like travel, shipping, and advertising, plus a generous welcome bonus if you spend a certain amount within a period following your account opening. You can redeem points for travel at a 25% higher value through Chase Ultimate Rewards or transfer points to various airline and hotel partners.
4. Amazon Business American Express Card
Chase Ink Business Premier Credit Card
- High cashback
- Travel perks
- Employee cards and management at no additional cost
- High annual fee
- Other travel cards have more perks
- The late payment fee is either $40 or 2% of the minimum payment due, depending on which is higher
The Amazon Business American Express Card is designed for businesses that frequently shop on Amazon. It offers cardholders the option of earning 5% back on Amazon purchases (up to $120,000, then 1% thereafter) or forgoing rewards for a 90-day 0% intro APR on purchases.
5. Capital One Spark Classic for Business
Capital One Spark 1% Classic
- Unlimited 1% cashback on all purchases
- Unlimited 5% cashback on hotels and rental cars booked through Capital One Travel
- No annual or transaction fees
- Fair credit scores accepted
- Cashback rewards are slightly less than average
- High APR
Does Capital One charge for international transactions? Nope! That’s just one of the reasons businesses turn to the Capital One Spark Classic for Business.
For business owners with fair credit, this card offers an opportunity to earn 1% cash back while building credit. It’s easier to qualify for, has no annual fee or foreign transaction fees, and is ideal for businesses that may not yet qualify for more premium options but still want to earn rewards.
Each card is tailored to different spending habits and preferences, making it important to match your choice to your business needs.
6. Bank of America Business Advantage Travel Rewards World Mastercard
Bank of America Business Advantage Travel Rewards World Mastercard
- No annual fee
- Simple points-based rewards
- Attractive welcome offers
- Potential to boost earnings as a Bank of America business account owner
- No bonus categories
- No lounge access or travel credits
The Bank of America Business Advantage Travel Rewards World Mastercard is a no-annual-fee card that earns 1.5 points per dollar spent on all purchases. Cardholders can potentially earn more points if they qualify for the Preferred Rewards for Business program. The card also offers 0% intro APR on purchases for the first 9 billing cycles, followed by a variable APR.
7. Chase Ink Business Preferred
Chase Ink Business Preferred Credit Card
- Earn 3x points on travel, shipping, internet and phone services, and qualifying ad spending
- Unlimited 1x points on all other categories
- Points are worth 25% more when redeemed through Chase Travel
- $95 annual fee is reasonable for businesses that value travel rewards
- High spending requirement to earn welcome bonus
- Not a good choice for businesses with limited travel needs
The Chase Ink Business Preferred cardmembers earn Chase Ultimate Rewards points. It offers elevated points earnings on travel, shipping, internet, cable, phone services, and advertising purchases, making it useful for businesses with frequent expenses in these categories. Cardholders can transfer points to airline and hotel partners or redeem them through Chase Travel.
8. American Express Business Gold Card
American Express Business Gold Card
- High rewards rate in top spending categories
- Flexible points system with numerous redemption options
- No international transaction fees
- High annual fee
- Rewards capped for 4x earnings
- Requires good to excellent credit
Amex Gold’s international fees do not exist; it does not charge foreign transaction fees for purchases made outside of the United States. The American Express Business Gold Card offers customizable bonus categories so cardholders can earn 4x points in the top two spending categories each month. This is ideal for businesses with varied expenses as it maximizes rewards based on their highest spending areas.
It offers flexibility in redemption options like flights, hotel stays, gift cards, and more through the American Express Membership Rewards program. Cardholders don’t have to worry about paying an Amex Gold Card foreign transaction fee.
9. Capital One Spark Cash Plus
Capital One Spark Cash Plus
- Unlimited cashback rewards
- No preset spending limit
- Offers $150 statement credit to offset annual fee
- 0% interest when used as intended
- Early spending bonus
- 2.99% monthly fee on late payments
- Must spend $150,000 per year to access the $150 statement credit
- Limited spend management features
This card offers a flat 2% cash back on all purchases, making it the best for businesses seeking simplicity and high cash-back rewards across all spending. There’s no preset spending limit, which is great for businesses with large budgets. Plus, it offers 5% back on hotels and car rentals booked through Capital One Travel.
10. CitiBusiness / AAdvantage Platinum Select Mastercard
CitiBusiness / AAdvantage Platinum Select World Elite Mastercard
- Preferred boarding
- No mileage cap
- Additional perks as you accumulate loyalty points
- Annual fee
- You must use American Airlines to get the maximum benefits
- The card is primarily for people who travel often
Some cards from Citi have no foreign transaction fees, including the CitiBusiness AAdvantage Platinum Select World Elite Mastercard. For businesses that frequently fly with American Airlines, this card offers great value with 2x bonus miles on American Airlines purchases, gas stations, and other select categories. You also get travel perks like free checked bags and preferred boarding, making it an excellent choice for frequent flyers loyal to American Airlines.
11. Capital One Venture X Business Credit Card
Capital One Venture X Business Card
- Extensive travel benefits
- No fees for international transactions
- Transferable miles to travel partners
- High annual fee
- Benefits may not justify the cost for non-travel-focused businesses
We’ll round out our list of the best business credit cards with no foreign transaction fees with the Capital One Venture X Business Credit Card. This is a premium travel card that offers unlimited 2x miles on any purchase with no preset spending limits. It also includes an annual travel credit and complimentary airport lounge access, making it a compelling option for businesses with frequent travel needs.
Each card is tailored to different spending habits and preferences, making it important to match your choice to your business needs.
Which industries benefit most from no-forex-fee cards?
No-foreign-transaction-fee cards reduce costs for businesses that regularly make cross-border payments or purchases in non-USD currencies. These savings can be significant in industries where global vendors, overseas suppliers, or international travel are part of daily operations.
SaaS and remote-first teams
SaaS companies and remote-first teams often rely on tools, platforms, and talent sourced globally. Many core software subscriptions are billed through foreign entities, even when priced in US dollars. This means that every payment processed by a non-US bank can trigger a foreign transaction fee.
Remote teams also hire developers, designers, and support staff in different countries, creating recurring international payroll or contractor payments. Global outsourcing spending reached $731 billion in 2023, reflecting the scale of cross-border work.
For these businesses, no-foreign-transaction-fee cards remove a recurring cost that can add up quickly when multiplied across multiple vendors and payroll cycles. The savings help preserve budget for product development, talent acquisition, and infrastructure improvements without changing existing workflows.
E-commerce companies sourcing products globally
E-commerce businesses that source inventory from overseas suppliers often make large, recurring payments in foreign currencies. These transactions typically pass through non-US banks, which can add a foreign transaction fee to every purchase. For companies importing products on a monthly or even weekly basis, the extra cost can accumulate quickly.
Many e-commerce brands rely on manufacturers in Asia and Europe, where payment terms and bulk order sizes mean higher transaction values. Imports of goods from China alone exceeded $427 billion in 2023, with a large portion coming from consumer products sold online.
Using a no-foreign-transaction-fee card allows these businesses to maintain supplier relationships and pay invoices without absorbing a 3% surcharge. The savings can be redirected toward marketing, inventory expansion, or faster fulfillment, all of which support growth in a competitive online marketplace.
Professional services and consultants who travel
Consultants, attorneys, accountants, and other professional service providers often travel internationally to meet clients, attend conferences, or manage projects. These trips involve frequent spending on flights, hotels, dining, and ground transportation, much of which is billed in foreign currencies or processed through non-US payment networks.
Global business travel spending reached $1.48 trillion in 2024, with a growing share tied to international destinations. For firms that bill travel expenses to clients, avoiding these fees reduces the total cost passed on, making services more competitive.
Using a no-foreign-transaction-fee card ensures that every payment abroad, from a single train ticket to a large hotel block, retains its original value. The savings can improve margins or be reinvested into expanding travel opportunities that strengthen client relationships.
Manufacturing and supply chain teams
If your operations involve sourcing raw materials, components, or equipment from overseas, foreign transaction fees can become a constant drain on operating budgets. Regular payments to international suppliers, freight companies, and quality inspection services often involve large sums. This means that even small percentage fees add up quickly.
For teams coordinating production schedules across multiple countries, these costs can cut into the margins that keep operations competitive. A no-foreign-transaction-fee card helps ensure that every payment goes directly toward the product or service, not extra bank charges. This allows more room to invest in faster delivery times, better materials, or new supplier relationships.
Get a Ramp Business Credit Card to avoid foreign transaction fees
As global expenses grow more complex, a surprising amount of your budget can slip into foreign transaction fees. Ramp's corporate card removes that cost entirely by charging zero foreign transaction fees.
The benefit extends beyond the fee waiver. Ramp supports spending in 200+ countries and territories, giving you broad coverage for both travel and vendor payments. Transactions categorize automatically, vendor data appears in real time, and integrations with platforms like QuickBooks and NetSuite speed up reconciliation.
Piñata, a rewards and payments platform for renters, used Ramp to manage global expenses without the extra cost. By automating categorization and eliminating foreign transaction fees, they achieved a 58% improvement in expense compliance, freeing up resources to focus on scaling operations.
With fees removed, accounting automated, and spending visible in every market you operate, you can redirect savings toward initiatives that move your business forward.
FAQs
Many business debit cards apply foreign transaction fees. Even though debit cards pull funds directly from your account, banks often process international transactions through payment networks that charge these fees.
Dynamic currency conversion lets a merchant process your payment in your home currency instead of the local currency. While it sounds convenient, the exchange rate is often less favorable than your card network’s rate, and extra fees may be added.
In most cases, the fee applies only to the original transaction amount. Refunds generally return the purchase price at the current exchange rate, which might differ from the original rate, so you could still see a small loss or gain.
Most card issuers apply foreign transaction fees on cash advances and ATM withdrawals made abroad. These transactions may also carry additional cash advance fees and interest charges from the date of withdrawal.
If the purchase was for business purposes, you can typically deduct foreign transaction fees as part of your operating expenses. Always confirm with your tax advisor to ensure compliance with current tax rules.
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