Using a Capital One Business card internationally
Summary
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When traveling for business, you can use your Capital One Business card internationally anywhere it’s accepted and with no foreign transaction fees.
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Cardholders don’t need to notify Capital One before traveling internationally.
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Different Capital One Business cards offer travel rewards and benefits designed to support a variety of international travel needs.
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Depending on the card, you may earn elevated travel rewards, access airport lounges and enjoy other travel benefits that can help you get more value from business trips.
Capital One Business cards can be used internationally anywhere they’re accepted. There are no foreign transaction fees, and you don’t need to notify Capital One before traveling abroad.
Learn what to know before using your Capital One Business card internationally, and discover the travel rewards and benefits available from different card options.
What to know about international travel with your Capital One Business card
Before traveling internationally, it’s helpful to understand how Capital One Business cards work abroad. From foreign currency conversions to card security, knowing what to expect can help you use your card with confidence while you’re traveling.
Capital One Business cardholders traveling internationally can keep the following in mind:
| Foreign transaction fees | Capital One Business cards don’t charge foreign transaction fees on purchases you make internationally, helping your business avoid added costs when traveling outside the U.S. |
| Travel notifications | You don’t need to notify Capital One before traveling. Thanks to enhanced security features, you can use your card abroad the same way you use it at home. |
| Security features | Purchases are covered against unauthorized transactions if your card is lost or stolen. Before your trip, make sure your phone number and email address are up to date so Capital One can reach you if suspicious activity is detected. |
| Account management | You can manage your account with the Capital One Mobile app while you travel. The app lets you monitor transactions, receive alerts and lock your card if needed. |
| Using your card abroad | Your card doesn’t require a PIN for purchases outside the U.S. If a payment terminal prompts you for one, ask the merchant how to proceed. If you want a cash advance PIN for emergencies, you can request one before your trip. |
| Foreign currency fees | Purchases made in another currency are automatically converted to U.S. dollars using the applicable exchange rate on the transaction processing date. Capital One doesn’t charge a currency conversion fee, though the exchange rate may differ slightly from the rate on the purchase date. |
How to choose the right Capital One Business card for your international travel
All Capital One Business cards have no foreign transaction fees and offer free employee cards, access to Capital One Business Travel and more. Choosing the right card for your business means finding the combination of rewards and benefits that best aligns with your spending.
Travel rewards cards
If you’re looking for premium travel benefits, flat-rate travel rewards or big purchasing power, Capital One Business offers travel cards designed for different types of international travelers:
| If you're looking for: | Consider: | Rewards: |
| An unmatched mix of simple rewards and premium benefits—with no preset spending limit | Venture X Business |
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| Great travel rewards with a low annual fee | Venture Business |
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| Travel rewards with no annual fee | VentureOne Business |
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Cash back rewards cards
If your business prefers cash back rewards, Capital One Business also offers cash back cards that can be used internationally to earn unlimited cash back on eligible purchases. This makes them a good fit for businesses that prefer simple cash back on both travel and everyday business purchases:
| If you're looking for: | Consider: | Rewards: |
| A powerful combination of big cash rewards and flexible purchasing power—with no preset spending limit | Spark Cash Plus |
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| Great cash rewards with a low annual fee | Spark Cash |
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| Cash rewards with no annual fee | Spark Cash Select |
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| A credit-building card with no annual fee | Spark Classic |
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Travel perks and rewards offered by Capital One Business
Capital One Business cardholders enjoy an array of benefits and rewards that can help you travel in comfort while you keep more in your business’s wallet. Depending on the card, you may have access to benefits like:
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Unlimited rewards: Whether you choose travel rewards or cash back, you can earn unlimited rewards on every purchase you make—with no restrictions, minimums or blackout dates.
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Airport lounge access: Eligible Venture X Business cardholders receive complimentary or discounted access to Capital One Lounges and Landings and over 1,300 Priority Pass™ lounges worldwide.
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Annual travel credits: Depending on the card, Capital One Business cardholders can receive an annual travel credit to use on eligible bookings made through Capital One Business Travel.
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Anniversary bonus miles: Eligible cardholders receive bonus miles every account anniversary, starting on their first year of being a cardholder.
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TSA PreCheck® or Global Entry statement credit: Eligible Venture X Business and Venture Business cardholders can receive a statement credit for the TSA PreCheck® or Global Entry application fee.
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Miles transfer programs: Eligible Venture X Business, Venture Business and VentureOne Business cardholders can transfer miles to 15-plus travel loyalty programs.
Key takeaways
Using a Capital One Business card internationally can help your business make purchases abroad while earning rewards on everyday spending and avoiding foreign transaction fees. Plus, depending on the card you choose, you may also earn additional rewards on travel purchases and access premium travel benefits to get more value from your business trips.
Whether it’s cash back or travel rewards your business is looking to earn, if you’re ready for the next steps, compare cards from Capital One Business. And, before applying, see what you’re already pre-approved for—with no impact on your personal credit score.
