Amex Blue Card vs ING Creditcard
Two credit cards for expats in the Netherlands, figure by figure.
ING Creditcard is the stronger pick for most expats.
- Monthly fee: €2.00/mo vs €3.00/mo
- Foreign transaction fee: 2.00% vs 2.50%
| Figure | ||
|---|---|---|
| Monthly fee | €3.00/mo | €2.00/mo (better) |
| Foreign transaction fee | 2.50% | 2.00% (better) |
| Card network | amex | mastercard |
| Travel insurance | Not included | Not included |
| Apple Pay | Supported | Supported |
| Card type | Charge card | Charge card |
| Minimum income | €30,000 gross a year | €500 a month. Paid into your ING current account, from work, a business, a pension or an allowed benefit. |
| BKR checked when you apply | Yes | Yes |
| Card registered at BKR | No | No |
| Rate check | Verified 19 October 2026 | Not yet verified |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
Amex Blue Card
What we like
- 54 interest-free days
- Apple Pay and Google Pay
- Basic insurance included
- Lower fee than Green Card
What to consider
- 2.5% foreign transaction fee
- No rewards program
- Limited Amex acceptance in NL
- Basic coverage only
ING Creditcard
What we like
- Low annual fee (€24)
- 365-day purchase protection
- ING Punten rewards program
- Integrates with ING app
What to consider
- 2% foreign transaction fee
- Requires ING current account
- Basic rewards value
- Limited to €5,000 credit limit
Questions
Is Amex Blue Card or ING Creditcard better for expats in the Netherlands?
ING Creditcard is the stronger all-round pick for most expats. Monthly fee: €2.00/mo vs €3.00/mo
Which card has lower fees abroad, Amex Blue Card or ING Creditcard?
ING Creditcard is cheaper abroad, with a 2.00% foreign transaction fee.
Do Amex Blue Card and ING Creditcard check or register you at BKR?
Amex Blue Card: BKR is checked when you apply; the card is not registered at BKR. ING Creditcard: BKR is checked when you apply; the card is not registered at BKR.