Amex Gold Card
American Express · amex · Charge card · Membership Rewards points
- Monthly fee
- €20.00€240.00 a year
- Foreign transaction fee
- 2.50%on non-euro spending
- BKR check
- Yesnot re-confirmed: see requirements
- Income needed
- €30,000 a yearnot re-confirmed: see requirements
About this card
Mid-tier Amex with 4 Priority Pass visits per year, €100 dining credit, and solid rewards earning. Best balance of benefits vs cost.
Charge card: a credit line you repay in full each month. No fixed spending limit; the full balance is due every month.
Best for: Travel, Rewards, Dining
Pros and cons
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
All fees and limits
- Monthly fee
- €20.00
- Fee conditions
- €20 a month.
- Foreign transaction fee
- 2.50%
- Credit limit
- €3,000+
- Interest-free period
- 54 days
- Late payment fee
- €20
- Installment payments
- Yes (14.9% interest)
Everyday use
- Card network
- amex
- Daily ATM withdrawal limit
- €500
- ATM fees
- €4 per withdrawal
- Contactless payments
- Supported
- Apple Pay
- Supported
- Google Pay
- Supported
- Choose your PIN
- Yes
- Max cards per account
- 2
- Free replacement card
- Yes
Insurance
- Purchase protection
- Included
- Purchase protection deductible
- €50
- Travel insurance
- Included
- Flight delay insurance
- Not included
- Baggage insurance
- Not included
- Car rental insurance
- Not included
- Cancellation insurance
- Not included
- Medical insurance
- Included
- Legal assistance
- Not included
- Fraud protection
- Included
- 24h helpline
- Available
Requirements
- Card type
- Charge card: a credit line you repay in full each month
- Minimum income
- €30,000 gross a year
- BKR checked when you apply
- Yes
- Card registered at BKR
- No
- BSN
- Not stated by American Express.
- Who can apply
- 18 or older, a Dutch home address and no negative BKR registration.
- Delivery time
- 7 business days
How to apply
- 1Gather your documentsHave a valid ID or passport and proof of your address in the Netherlands ready, and proof of income (€30,000 gross a year).
- 2Start the applicationVisit American Express's website and fill in the online application form. This typically takes 5–10 minutes.
- 3Identity verificationYour identity will be verified. BKR is checked when you apply; the card is not registered at BKR.
- 4Receive your cardYour card will arrive within 7 business days by post. Activate it online or via the app.
Other cards
| Card | Monthly fee | Foreign fee | BKR check | Income needed |
|---|---|---|---|---|
Mastercard BlackICS · Charge card  | €18.75 | 2.00% | Yesnot registerednot re-confirmed | €1,500 a monthnetnot re-confirmed |
Flying Blue Gold CardAmerican Express · Charge card  | €16.50 | 2.50% | Yesnot registerednot re-confirmed | €30,000 a yeargrossnot re-confirmed |
Green CardAmerican Express · Charge card  | €6.50 | 2.50% | Yesnot registerednot re-confirmed | €30,000 a yeargrossnot re-confirmed |