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Expat Money

Credit cards for expats in the Netherlands

All 15 cards we track in the Netherlands; 15 are not registered at BKR. Order them by the figure you care about; open a card for its full terms.

15 cards

Credit cards available to expats in the Netherlands
BKR checkIncome needed
Amex Blue CardAmerican Express · Charge cardCard type not re-confirmed
€3.002.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed
ANWB Visa GoldANWB · Charge cardCard type not re-confirmed
€4.332.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
ANWB Visa ClassicANWB · Charge cardCard type not re-confirmed
€2.502.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
MasterCard ClassicICS · Charge cardCard type not re-confirmed
€3.252.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
ABN AMRO Credit CardABN AMRO · Charge cardCard type not re-confirmed
€2.552.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
Flying Blue Silver CardAmerican Express · Charge cardCard type not re-confirmed
€6.252.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed
Flying Blue Gold CardAmerican Express · Charge cardCard type not re-confirmed
€16.502.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed
Flying Blue Platinum CardAmerican Express · Charge cardCard type not re-confirmed
€55.002.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed
Green CardAmerican Express · Charge cardCard type not re-confirmed
€6.502.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed
Gold CardAmerican Express · Charge cardCard type not re-confirmed
€20.002.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed
Platinum CardAmerican Express · Charge cardCard type not re-confirmed
€75.002.50%Yesnot registerednot re-confirmed€30,000 a yeargrossnot re-confirmed
Mastercard BlackICS · Charge cardCard type not re-confirmed
€18.752.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
Visa World Card GoldICS · Charge cardCard type not re-confirmed
€4.962.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
Visa World CardICS · Charge cardCard type not re-confirmed
€3.582.00%Yesnot registerednot re-confirmed€1,500 a monthnetnot re-confirmed
ING CreditcardING · Charge cardNot yet verifiedCard type not re-confirmed
€2.002.00%Yesnot registerednot re-confirmed€500 a monthnot re-confirmed

Last rate check 1 November 2026. The monthly fee is the annual fee divided by twelve. BKR is the Dutch credit register: the BKR column says whether the issuer checks it when you apply, and the line under it whether the card is registered there. A blank record, normal if you just arrived, is not a negative registration.

Credit or debit in the Netherlands

Most Dutch stores accept debit cards 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.

Debit cards, listed apart

Revolut’s card, N26’s card and bunq’s card are debit cards: they spend your own balance instead of lending you money, so there is no credit limit to register at BKR. That is also why they are not in the table above or in our credit card rankings.

Debit cards we track
CardMonthly feeForeign feeBKR checkIncome needed
Revolut CardRevolut · Debit cardCard type not re-confirmed
€00.00%Not statedNot stated
bunq Credit Cardbunq · Debit cardCard type not re-confirmed
€00.50%Nonot re-confirmedNot stated
N26 MastercardN26 · Debit cardNot yet verifiedCard type not re-confirmed
€01.70%Not statedNot stated

Ranked for one need

The same live data, ranked around a single requirement.

Two cards side by side, on every figure we track.

Questions about credit cards

Can expats get a credit card in the Netherlands?
Yes. None of the 15 cards we track says it skips the BKR check, the Dutch credit register, but 15 are not registered there once you have them. Expect to be asked for ID, your address in the Netherlands and usually your BSN.
Which credit cards have no annual fee?
Every card we track currently charges an annual fee; the table orders them from lowest to highest.
Do I need Dutch credit history for a credit card?
None of the cards we track says it skips BKR, the Dutch credit register, so expect a look-up when you apply. The table shows per card whether the issuer checks BKR and whether the card is registered there; 15 are not registered.
What are foreign transaction fees on Dutch credit cards?
A percentage added to every payment outside the euro. Among the cards we track it runs from 2.00% to 2.50%.