5 Chase Business Credit Cards with No Foreign Transaction Fees [2019]

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Chase has a an impressive roster of small business credit cards, many of which offer some of the best credit cards rewards.

But some of these cards come with foreign transaction fees while others do not. 

This article will give you a rundown of the five Chase business credit cards with no foreign transaction fees and show you some of their highlights and why I’m big on them. I’ll also show you some of the business credit cards that do come with foreign transaction fees and give you my take on them.

Update: Some offers are no longer available — click here for the latest deals!


1. Ink Business Preferred Credit Card

  • 80,000 Ultimate Rewards sign-up bonus after you spend $5,000 within 3 months of opening your account.
  • 3X the points on every dollar spent up to $150,000 on the following categories:
    • Travel
    • Advertising with social media and search engines
    • Shipping
    • Cable, internet, and phone services
  • $600 in protection against any covered damage or theft of your cell phone when your bill with the Ink, up to three claims per year.
  • No foreign transaction fee
  • $95 but sometimes waived when applying in-branch.

The Ink Business Preferred is one of the best business cards to take traveling since it earns 3X Ultimate Rewards on travel purchases and comes with no foreign transaction fees. Those are two very useful perks for any frequent business traveler. 

You’ll be able to transfer your Ultimate Rewards to an array of airlines and hotels found below. Many of these travel partners allow you to cash in on outsized value which is something that most other business cards can’t do.

Chase Ultimate Rewards Airlines

  • Aer Lingus
  • British Airways Executive Club
  • Flying Blue (Air France/KLM)
  • Iberia Airways
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club

Chase Ultimate Rewards Hotels

  • World of Hyatt
  • IHG Rewards Club
  • Marriott Rewards
  • The Ritz-Carlton Rewards

The cell phone protection can also come in handy since traveling can also mean unintended incidents. Read more about that protection here.

Sometimes the Ink Business Preferred comes with a 100K offer that can be pulled up by a select few, but the 80K offer is extremely solid.

The Park Hyatt in Milan, Italy.

2. Chase Southwest Business Card 60,000 Offer

  • 60,000 Rapid Rewards after spending $3,000 in the first 3 months
  • 6,000 anniversary points
  • Earn 1,500 Tier-Qualifying Points for every $10,000 in purchases, up to 15,000 Tier-Qualifying Points each calendar year
  • Best sign-up bonus: 60,000 Rapid Rewards
  • $99 Annual fee
  • No foreign transaction fees

If you fly Southwest a lot then you might want to consider this business card. This card comes with up to a 60,000 point offer which is huge. That’s because you can no longer apply for two Southwest personal cards at one time but you can still apply for a business Southwest card and a personal card. 

That means that you’ll be able to obtain the Southwest Companion Pass much quicker in many cases. If you’re not familiar, the Southwest Companion Pass will allow a companion to fly for free with you for up to two calendar years. It’s an amazing deal and easily one of the most travel perks offered via credit card rewards.


3. United MileagePlus Explorer Business Card

United Airlines Credit Card

  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months
  • 2 miles per $1 spent on purchases at restaurants, gas stations, and office supply stores
  • 2 miles per $1 spent on tickets purchased from United
  • Free Checked Bag
  • Two United Club one-time passes
  • Priority boarding
  • Miles Don’t Expire
  • MileagePlus Premier members and traveling on an award ticket can receive Premier Upgrades
  • No foreign transaction fees
  • $95 annual fee (waived)

The United MileagePlus Explorer Business Card is a solid alternative to the personal version of the Explorer credit card. This is a great card if you only do a little bit of flying with United and just want a way to earn United miles and take advantage of special perks like priority boarding and free checked baggage.

All of the United perks offered by this card could end up saving you hundreds of dollars each year so paying $95 a year for them can definitely be worth it. But if you’re mostly concerned with earning United miles, you might want to think about going with a card like the Chase Ink Preferred since it has a better bonus earning rate for travel.

United Club Lounge in Houston.

4. United MileagePlus Club Business Card

United Airlines Credit Card

  • $100 statement credit
  • Access to United Clubs and participating Star Alliance lounges
  • Priority check-in, security screening (where available),
  • boarding and
  • baggage handling privileges
  • The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free
  • World of Hyatt: Discoverist Status (the same status offered by the Hyatt card)
  • Hertz President’s Circle Elite Status
  • Miles Don’t Expire
  • MileagePlus Premier members and traveling on an award ticket can receive Premier Upgrades
  • No foreign transaction fees
  • $450 annual fee

The business version fo the MileagePlus Club Card doesn’t come with a sign-up bonus like the personal version. It also doesn’t earn bonus spend on business purchase categories like the United MileagePlus® Explorer Business Card. So I’m not very huge on this card.

However, if you want to United Club access then this isn’t a horrible option since that’s the main perk offered by this card, along with enhanced United benefits like two free checked bags. You’ll also get Hyatt Discoverist status but that’s not a very valuable status level when it comes to perks offered.


5. Marriott Rewards Premier Plus Business credit card

  • 75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Plus Business credit card
  • Earn 6X points for every $1 spent at over 6,500 participating Marriott Rewards® and SPG® hotels.
  • Earn 4X points for every $1 spent on gas station, restaurant, shipping, internet, cable and phone service purchases.
  • Earn 2X points for every $1 you spend on all other purchases
  • Free Night Award every year after your account anniversary, valid for a one night hotel stay at a property with a redemption level up to 35,000 points
  • $99 annual fee
  • No foreign transaction fees

The new Marriott card offers a decent bonus of 75,000 points after you spend $3,000 in the first 3 months. You’ll be able to use it at a property that would cost up to 35,000 points. You’ll be able to choose from over 6,000 properties, including some Ritz-Carlton and St. Regis properties.

The bonus earning on this card isn’t as good as the old SPG cards but it’s decent and getting 4X on gas station, restaurant, shipping, internet, cable and phone service purchases can certainly add up over time.


Business cards with foreign transaction fees

Chase also offers two other very valuable credit cards for small businesses but these cards do come with foreign transaction fees of 3%. Despite that, don’t overlook these no-annual fee cards which can still offer fantastic rewards.

But note, you will not be able to transfer your rewards to travel partners from these cards below unless you also have a premium Chase card like the Sapphire Preferred, Ink Preferred, etc. Just something to keep in mind.

Ink Business Cash Credit Card

  • 50,000 points after you spend $3,000 on purchases in the first 3 months after account opening
  • 0% intro APR for 12 months from account opening on purchases and balance transfers
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • No annual fee
  • 3% foreign transaction fees

The Ink Business Unlimited

Ink Business Unlimited

  • $500 sign-up bonus after you spend $3,000 in the first three months
  • 1.5% cash back on all purchases
  • 0% intro APR for 12 months from account opening on purchases and balance transfers.
  • No annual fee
  • 3% foreign transaction fees

Final word

Chase offers some of the hottest business credit cards with no foreign transaction fees. It comes down to which rewards you’ll get the most value from, but I’d personally be looking at the Chase Ink Preferred for my go-to card when aboard with 3X on travel and primary rental car coverage.

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