Amex Gold Card vs Amex Platinum Card
Two credit cards for expats in the Netherlands, figure by figure.
Amex Gold Card is the stronger pick for most expats.
- Monthly fee: €20.00/mo vs €75.00/mo
| Figure | ||
|---|---|---|
| Monthly fee | €20.00/mo (better) | €75.00/mo |
| Foreign transaction fee | 2.50% | 2.50% |
| Card network | amex | amex |
| Travel insurance | Included | Included |
| Apple Pay | Supported | Supported |
| Card type | Charge card | Charge card |
| Minimum income | €30,000 gross a year | €30,000 gross a year |
| BKR checked when you apply | Yes | Yes |
| Card registered at BKR | No | No |
| Rate check | Verified 29 October 2026 | Verified 20 October 2026 |
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 Gold Card
What we like
- 4 Priority Pass lounge visits/year
- €100/year dining credit
- 1 MR point per €1 spent
- Loungebox meals at Schiphol (2x/month)
What to consider
- €240/year annual fee
- 2.5% foreign transaction fee
- Limited Amex acceptance in NL
- Requires €20,000 gross annual income
Amex Platinum Card
What we like
- Unlimited Priority Pass lounge access + 1 guest
- Free Privium Plus membership (Schiphol fast-track)
- €300/year dining credit at 100+ restaurants
- Centurion Lounge access (Schiphol opening 2026)
What to consider
- Very high fee (€780/year)
- 2.5% foreign transaction fee
- Not accepted everywhere in Netherlands
- Requires €36,000 gross annual income
Questions
Is Amex Gold Card or Amex Platinum Card better for expats in the Netherlands?
Amex Gold Card is the stronger all-round pick for most expats. Monthly fee: €20.00/mo vs €75.00/mo
Which card has lower fees abroad, Amex Gold Card or Amex Platinum Card?
Both charge the same foreign transaction fee: 2.50%.
Do Amex Gold Card and Amex Platinum Card check or register you at BKR?
Amex Gold Card: BKR is checked when you apply; the card is not registered at BKR. Amex Platinum Card: BKR is checked when you apply; the card is not registered at BKR.