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Credit Cards

18 cards

From no-fee basics to premium travel cards with lounge access. All available to expats in the Netherlands.

Updated 27 February 2026

18 cards available

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American Express logo

Amex Blue Card

American Express

  • Best for first amex
  • Contactless & Apple Pay
  • Insurance included
A

ANWB Visa Gold

ANWB

  • Best for anwb members
  • Contactless & Apple Pay
  • Insurance included
A

ANWB Visa Classic

ANWB

  • Best for anwb members
  • Contactless & Apple Pay
  • Insurance included

Expat tip: Credit vs. Debit in the Netherlands

Most Dutch stores accept debit cards (Maestro/V Pay) but not always credit cards. A credit card is essential for online shopping, travel bookings, and car rentals. Many expats keep a Dutch debit card for daily use and a credit card for everything else.

ICS logo

MasterCard Classic

ICS

  • Best for budget
  • Contactless & Apple Pay
  • Insurance included
Revolut logo

Revolut Card

No fee

Revolut

  • Best for travel
  • No foreign transaction fees
  • Contactless & Apple Pay
N26 logo

N26 Mastercard

No fee

N26

  • Best for free
  • Contactless & Apple Pay
  • No annual fee
bunq logo

bunq Credit Card

No fee

bunq

  • Best for digital
  • No foreign transaction fees
  • Contactless & Apple Pay
ABN AMRO logo

ABN AMRO Credit Card

ABN AMRO

  • Best for abn customers
  • Contactless & Apple Pay
  • Insurance included
ING logo

ING Creditcard

ING

  • Best for ing customers
  • Contactless & Apple Pay
  • Insurance included
American Express logo

Flying Blue Silver Card

American Express

  • Best for klm occasional
  • Contactless & Apple Pay
  • Insurance included
American Express logo

Flying Blue Gold Card

American Express

  • Best for klm regular
  • Contactless & Apple Pay
  • Insurance included
American Express logo

Flying Blue Platinum Card

American Express

  • Best for klm frequent flyer
  • Contactless & Apple Pay
  • Insurance included
American Express logo

Green Card

American Express

  • Best for rewards
  • Contactless & Apple Pay
  • Insurance included
American Express logo

Gold Card

American Express

  • Best for travel
  • Contactless & Apple Pay
  • Insurance included
American Express logo

Platinum Card

American Express

  • Best for premium
  • Contactless & Apple Pay
  • Insurance included
ICS logo

Mastercard Black

ICS

  • Best for travel
  • Contactless & Apple Pay
  • Insurance included
ICS logo

Visa World Card Gold

ICS

  • Best for travel
  • Contactless & Apple Pay
  • Insurance included
ICS logo

Visa World Card

ICS

  • Best for first card
  • Contactless & Apple Pay
  • Insurance included

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Common questions

Can expats get a credit card in the Netherlands?
Yes! Most Dutch banks and card issuers accept expats. You'll typically need a BSN, Dutch address, and proof of income. Some cards are easier to get approved for than others.
Which credit cards have no annual fee?
The bunq Credit Card has no fee (though it requires a bunq subscription). The ING Creditcard is €24/year, which is among the lowest for traditional banks.
Do I need Dutch credit history for a credit card?
Not necessarily. Some issuers focus more on your current income and employment. Digital banks like bunq are often easier for newcomers.
What are foreign transaction fees on Dutch credit cards?
Most Dutch cards charge 2-2.5% for non-euro transactions. bunq charges 0% with ZeroFX included in their subscription. American Express cards charge 2.5%.