No foreign transaction fee business credit cards

Foreign transaction fees can add unnecessary costs for business owners who travel internationally or make purchases from overseas vendors. But with the right card, you can avoid these extra charges and enjoy seamless transactions.

All Capital One business cards come standard with no foreign transaction fees. So whether you’re earning travel rewards, maximizing cash back or building business credit, you can confidently make international purchases and keep more of your money working for your business.

Keep reading to learn more about business cards with zero foreign transaction fees.

What you’ll learn:

• Foreign transaction fees can add additional expenses for businesses.
• Capital One business cards come standard with no foreign transaction fees and offer a variety of options, each providing the potential to earn travel rewards or cash back.
• To make the most out of a business card abroad, look for cards that don’t charge foreign transaction or currency conversion fees, like those offered by Capital One.

Foreign transaction fees are charges—typically around 3% of the purchase price—that credit card issuers apply to purchases made in a foreign currency or processed through a non-U.S. bank. For business owners, these fees can add up quickly, increasing business costs and reducing profit margins.

However, if you’re a Capital One business cardholder, know that none of our business credit cards have foreign transaction fees. Plus, with seven cards to choose from, it’s easy to find the right one for your business.

The Venture X Business card from Capital One is a great option for frequent business travelers looking for premium benefits. Along with no foreign transaction fees, this card also offers best-in-class travel rewards, like:

• Unlimited 2X miles on every purchase, everywhere, that can then be redeemed for flights, hotels and more—all with no restrictions, exclusions or blackout dates.
• 5X miles on flights and 10X miles on hotels and rental cars booked through our travel booking site.
• Capital One Lounge access.

Just keep in mind that your balance must be paid in full each month, and there is an annual fee of $395.

With features similar to the Venture X Business card, the Spark 2X Miles card is a good choice for business owners who want unlimited travel rewards, a fixed spending limit and a lower annual fee.

The Spark 2X Miles business card earns:

• 2X miles on all purchases
• 5X miles on hotels and rental cars booked through our traveling booking site*
• Ability to redeem miles for flights, hotels and more, all with no restrictions, exclusions or blackout dates

Plus, with a welcome bonus of 50,000 miles—after you spend $4,500 in the first three months—and no introductory annual fee for the first year ($95 after that), this card provides excellent value for businesses looking to earn travel rewards without committing to high upfront costs.

The Spark 1.5X Miles Select card is best for business owners who want travel rewards with no annual fee.

It offers:

• 1.5X miles on every purchase
• 5X miles on hotels and rental cars booked through our travel booking site

This fixed-line card is an excellent choice for small businesses looking to earn travel rewards without extra costs. Plus, cardholders can earn 50,000 miles after spending $4,500 in the first three months.

Even if you don’t travel frequently, a card with no foreign transaction fees can still be beneficial. If travel rewards aren’t a top priority, the Spark 2% Cash Plus for business is a great option. 

Similar to the Venture X Business, this charge card has no preset spending limit and offers:

• 2% cash back on every purchase

• 5% cash back on hotels and rental cars booked through our travel booking site

• Cash back rewards that never expire for the life of the account

You can earn an additional $2,000 bonus for every $500,000 spent in the first year. And for the life of your account, your $150 annual fee is refundable each year you spend $150,000 or more.

The Spark 2% Cash Plus card is a great fit for businesses with large expenses that can pay off their balance in full each month and are looking to earn travel and cash back rewards. 

Another Spark card that offers no foreign transaction fees and strong cash back opportunities is the Spark 2% Cash. 

With this card, you’ll enjoy no foreign transaction fees and earn:

• 2% cash back on every purchase

• 5% cash back on hotels and rental cars booked through our travel booking site

Plus, with no introductory annual fee for the first year ($95 after that) and the opportunity to earn $750 after spending $7,500 in the first three months, this card is ideal for business owners who want simple, predictable rewards with a fixed spending limit.

The Spark 1.5% Cash Select card is a great choice for small businesses looking for simple, unlimited cash back with no annual fee and a fixed spending limit.

With this card, you’ll earn:

• Unlimited 1.5% cash back on every purchase

• A $500 cash bonus after spending $4,500 in the first three months

This card is ideal for small-business owners who can benefit from zero foreign transaction fees and also want straightforward cash back rewards without extra costs.

The Spark 1% Classic is designed for small-business owners looking to build their credit profile while earning rewards at no cost. This card has a fixed spending limit, offering cardholders the following benefits:

•  1% cash back on all purchases

• No annual fee

A business credit card can be a valuable resource for fueling your business’s growth. Whether you’re earning travel rewards or cash back on everyday expenses, selecting the right card can help you maximize the value of your spending.

To get the most out of your business card on your travels abroad, look for one with no foreign transaction or currency conversion fees. This helps you avoid extra charges while still earning rewards that can benefit your business.

Currency conversion fees can be included in foreign transaction fees, but they’re slightly different. With foreign transaction fees, the card issuer charges a fee for purchases made abroad or online from foreign merchants. A currency conversion fee is charged by the card’s payment network or ATM network for converting one currency to another.

With Capital One, you don’t have to worry about either fee, making Capital One business cards a great choice for getting the most out of international travel and transactions.

Capital One business cards offer a significant advantage for business owners traveling internationally or purchasing from overseas vendors—no foreign transaction or currency conversion fees. This standard feature saves businesses money while they earn valuable travel or cash back rewards.

If you’re ready to take advantage of the standard benefits Capital One cardholders enjoy—along with the rewards that best fit your business needs—compare Capital One business cards and check if you’re pre-approved, with no impact on your credit, before applying.