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Wise International Business Debit Card

: 2024 Review

Best for international business spending
Price: 
Free
Countries:
United States
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Wise International Business Debit Card

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Review

The Wise Business Debit Card is a business card that allows you to spend money in over 55 currencies and 200 countries, without paying extra foreign transaction fees.

You get the mid-market exchange rate, and there are no monthly or annual fees. The card also comes with features to help you manage your business expenses, such as instant spending notifications, spending limits, and card freezing and unfreezing.

How to apply

  • Create a Wise Business account. You can do this on the Wise website or app
  • Verify your account. This will involve providing some personal and business information, such as your name, address, and business registration number
  • Order your card. You can do this from your Wise Business account
  • ‍Note: Cards for US Businesses are only available for sole proprietorships and single-member limited liability companies (LLC) Businesses with multiple shareholders can't get a card at this time

Pros

  • Get started with a minimal initial investment, with no recurring charges and no requirement for a minimum balance
  • Access business-oriented functionalities designed to streamline administrative tasks and reduce expenses
  • Seamlessly integrate with Xero or QuickBooks for effortless reconciliation

Cons

  • In-person assistance is unavailable; support can be obtained through online, in-app, or phone channels only
  • This card (US version) does not offer any rewards or cashback programs

Key Benefits and Features

  • Make payments online or at physical stores in more than 55 currencies across over 200 countries
  • Get the mid-market exchange rate when settling foreign currency bills or expenses, without any subscription or monthly charges
  • Provide your employees with business debit cards
  • Hold and spend in over 40 currencies at no cost

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Fees

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Sources: Transumo

Dexter Zhuang
Dexter Zhuang

Dexter is the founder of Money Abroad, a website and newsletter on building wealth for global professionals. Over the last 10 years, he's been a product leader, product manager, consultant and coach at companies like Dropbox, Xendit, and growth-stage startups across the US, Asia Pacific, and Latin America. His work has been featured in global publications like Business Insider, CBS, US News & World Report, and Tech in Asia. He graduated from Dartmouth College.

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