Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Business credit cards with no foreign transaction fees can be used all over the world for no additional charge. By opting for one of these cards, you’ll avoid a surcharge — usually around 3% — on any international purchases.
Dodging foreign transaction fees is great. But the best business credit card for you will pair those savings with benefits that line up with your international spending.
For instance, if you're frequently flying overseas for work,
The Business Platinum Card® from American Express
can make your travels more comfortable with access to 1,400 airport lounges across 140 countries (terms apply). If you purchase from a lot of international suppliers, the Capital One Spark Cash Select
might be a better fit. It’s one of the few cash-back business credit cards with no foreign transaction fee, plus it offers 1.5% rewards on all purchases with no annual fee. (See rates and fees.)Explore the cards below to find the best fit for your business.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Some of our selections for the best business credit cards with no foreign transaction fee credit cards can be applied for through NerdWallet directly, although some cannot. We’ve provided links for credit cards from our partners that allow you to apply directly through NerdWallet, as well as a full list of our top picks.
Featured
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Business credit cards with no foreign transaction fees can be used all over the world for no additional charge. By opting for one of these cards, you’ll avoid a surcharge — usually around 3% — on any international purchases.
Dodging foreign transaction fees is great. But the best business credit card for you will pair those savings with benefits that line up with your international spending.
For instance, if you're frequently flying overseas for work,
The Business Platinum Card® from American Express
can make your travels more comfortable with access to 1,400 airport lounges across 140 countries (terms apply). If you purchase from a lot of international suppliers, the Capital One Spark Cash Select
might be a better fit. It’s one of the few cash-back business credit cards with no foreign transaction fee, plus it offers 1.5% rewards on all purchases with no annual fee. (See rates and fees.)Explore the cards below to find the best fit for your business.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Some of our selections for the best business credit cards with no foreign transaction fee credit cards can be applied for through NerdWallet directly, although some cannot. We’ve provided links for credit cards from our partners that allow you to apply directly through NerdWallet, as well as a full list of our top picks.
Featured
Here are the best business credit cards with no foreign transaction fee
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Premium travel benefits The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
No annual fee Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.6/5 | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Flat-rate cash back Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Hotel rewards Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 4.9/5 | $125 | 2x-6x Points | 50,000 Points | Apply now on American Express' website Rates & Fees |
Airline rewards Delta SkyMiles® Gold Business American Express Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 intro for the first year, then $150 | 1x-2x Miles | 60,000 Miles | Apply now on American Express' website Rates & Fees |
High rewards rates on travel Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Flexible travel booking options U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Bonus rewards on shipping Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Premium travel benefits The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
No annual fee Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.6/5 | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Flat-rate cash back Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Hotel rewards Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 4.9/5 | $125 | 2x-6x Points | 50,000 Points | Apply now on American Express' website Rates & Fees |
Airline rewards Delta SkyMiles® Gold Business American Express Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 intro for the first year, then $150 | 1x-2x Miles | 60,000 Miles | Apply now on American Express' website Rates & Fees |
High rewards rates on travel Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Flexible travel booking options U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Bonus rewards on shipping Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
I'M INTERESTED IN:
Our pick for
Premium travel benefits
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
With airport lounge access, elite hotel status and other travel perks, this card can help frequent travelers go in style.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
View Rates & Fees
Our pick for
No annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Business travel cards with no annual fee are rare; this is one of them.
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% to 27.99% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Flat-rate cash back
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires excellent credit
You can use this card to earn cash back on all your spending, whether or not it's related to travel, and still pay no foreign transaction fees.
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
Hotel rewards
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
50,000 Points
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
This card pays for itself with an automatic Free Night Award each year. Terms apply.
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
View Rates & Fees
Our pick for
Airline rewards
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x Miles
Intro offer
60,000 Miles
Pros
- Free checked bag
- Early boarding
- Bonus categories
Cons
- Has annual fee
- Limited redemptions
- Requires good/excellent credit
Frequent fliers will appreciate free checked bags, priority boarding and an annual flight credit. Terms apply.
- Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
View Rates & Fees
Our pick for
High rewards rates on travel
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This is one of the most rewarding travel cards out there, with rewards rates as high as 10X on certain types of spending.
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
View Rates & Fees
Our pick for
Flexible travel booking options
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Pros
- Bonus categories
- Welcome offer
- Annual fee waived for the first year
Cons
- Requires good/excellent credit
- No intro APR offer
Lots of travel cards reduce rewards rates when you make reservations outside the issuer's portal. This card pays 4X on all travel spending, regardless of where it's booked (and even higher if you use the issuer's portal).
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Bonus rewards on shipping
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Are you a frequent importer or exporter? This card can help you rack up points on all those shipments.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
NerdWallet's editorial picks: Business credit cards with no foreign transaction fee
Be sure to confirm details on the card issuer’s website before applying.
Venture X Business
Best for: High rewards rates on travel
NerdWallet star rating:
5
The
Capital One Venture X Business
offers some of the highest travel rewards rates around and a solid cash-back rate on everything else: Earn unlimited 10X miles per dollar on hotels and rental cars and 5X miles per dollar on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles per dollar on every purchase, everywhere—with no limits or category restrictions.
This is a charge card, so it doesn't come with a preset spending limit — but you'll have to pay it off in full every month. If you can swing that (plus the $395
annual fee), it could be a valuable addition to your wallet. (See rates and fees.) Learn more and apply.Capital One Spark Cash Select
Best for: Flat-rate cash back
NerdWallet star rating:
4.9
The
Capital One Spark Cash
is an excellent option for business operators whose expenses are all over the map and don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. There's a great sign-up bonus offer, too. Read our review.U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Best for: Flexible travel booking options
NerdWallet star rating:
5
The
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
delivers impressive rewards on travel, no matter where you book it. You'll earn 4x points on your first $150,000 in combined annual travel spend each year — plus, 5x points on hotels and rental cars booked directly with U.S. Bank's Rewards Portal. There's also a solid welcome offer and no annual fee for the first year ($95
after that). Learn more and apply.The Business Platinum Card® from American Express
Best for: Premium travel benefits
NerdWallet star rating:
4.8
The Business Platinum Card® from American Express
comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger nontravel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply.Chase Ink Business Preferred
Best for: Bonus rewards on shipping
NerdWallet star rating:
4.7
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply.Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for: No annual fee
NerdWallet star rating:
3.6
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.Marriott Bonvoy Business® American Express® Card
Best for: Hotel rewards
NerdWallet star rating:
4.9
Marriott has hotels in 139 countries and territories, which means it will likely be an option for most of your business travel. The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic Free Night Award every year. Add in the included elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Learn more and apply. Delta SkyMiles® Gold Business American Express Card
Best for: Airline miles
NerdWallet star rating:
4.7
There are splashier Delta AmEx cards, with annual fees to match. But the
Delta SkyMiles® Gold Business American Express Card
delivers a welcome balance of perks vs. fees. You’ll earn bonus points on shipping, advertising and restaurants, as well as Delta flights. There’s also a $200 annual Delta flight credit when you spend at least $10,000 in a calendar year. And the card has no annual fee in the first year; after that, the $150
annual fee kicks in. Terms apply. Learn more and apply.Which business credit cards work abroad?
Generally speaking, you should be able to use any business credit card abroad. However, international sellers may choose to not take cards that operate on specific payment networks. This is true in the U.S. as well.
There are four major U.S. payment networks: Visa, Mastercard, American Express and Discover. All have merchants that accept their credit cards around the world, but some countries may have more than others.
Visa and Mastercard tend to dominate in terms of merchant acceptance. American Express has a global presence as well, but it may be smaller than its competitors. Discover doesn’t currently offer business credit cards.
If you want the broadest payment coverage possible, getting a Mastercard or a Visa business credit card is likely your best bet. You can look on the card itself to see if it operates on either of these payment networks.
What other fees apply to international transactions?
When you buy something with a business credit card abroad, you may be presented with the option to pay in U.S. dollars or pay in local currency.
If you choose the local currency, the payment network (Visa, Mastercard or AmEx) will take care of converting the transaction into U.S. dollars at a set exchange rate. The fee for this service is usually around 1%. If you choose U.S. dollars, you’ll use what’s known as dynamic currency conversion, which may come with additional fees.
These costs are separate from foreign transaction fees, and they aren’t avoidable for companies that do business in multiple currencies. Dynamic conversion can help you better understand costs up front instead of waiting to see them in U.S. dollars on your bill later. But if you want to limit how much you spend in fees, making purchases in local currencies is likely the better bet.
To view rates and fees of
The Business Platinum Card® from American Express
, see this page.To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.To view rates and fees of the
Delta SkyMiles® Gold Business American Express Card
, see this page.Last updated on November 12, 2024
