ANWB Visa Gold vs Amex Flying Blue Gold Card
Two credit cards for expats in the Netherlands, figure by figure.
ANWB Visa Gold is the stronger pick for most expats.
- Monthly fee: €4.33/mo vs €16.50/mo
- Foreign transaction fee: 2.00% vs 2.50%
| Figure | ||
|---|---|---|
| Monthly fee | €4.33/mo (better) | €16.50/mo |
| Foreign transaction fee | 2.00% (better) | 2.50% |
| Card network | visa | amex |
| Travel insurance | Included | Included |
| Apple Pay | Supported | Supported |
| Card type | Charge card | Charge card |
| Minimum income | €1,500 net a month. From work or pension, plus ANWB membership. | €30,000 gross a year |
| BKR checked when you apply | Yes | Yes |
| Card registered at BKR | No | No |
| Rate check | Verified 23 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.
ANWB Visa Gold
What we like
- 365-day purchase protection
- Travel insurance included
- Baggage insurance included
- Apple Pay support
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- Higher annual fee than Classic
Amex Flying Blue Gold Card
What we like
- 1 mile per €1 (1.5 miles at KLM/AF)
- 30 XP points toward elite status
- Basic travel insurance
What to consider
- €198/year annual fee
- 2.5% foreign transaction fee
- Limited Amex acceptance
- XP points expire if not flying
Questions
Is ANWB Visa Gold or Amex Flying Blue Gold Card better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Monthly fee: €4.33/mo vs €16.50/mo
Which card has lower fees abroad, ANWB Visa Gold or Amex Flying Blue Gold Card?
ANWB Visa Gold is cheaper abroad, with a 2.00% foreign transaction fee.
Do ANWB Visa Gold and Amex Flying Blue Gold Card check or register you at BKR?
ANWB Visa Gold: BKR is checked when you apply; the card is not registered at BKR. Amex Flying Blue Gold Card: BKR is checked when you apply; the card is not registered at BKR.