Best for:RewardsFirst AMEXLow Cost
Entry-level Amex for building rewards. First year free, then €78/year. Good if you want to try Membership Rewards without big commitment.
Rates last verified: 27 February 2026
The verdict
What we like
- +First year free
- +1 MR point per €1 spent
- +Basic travel insurance
- +Lower income requirement (€20,000)
What to consider
- -No lounge access
- -2.5% foreign transaction fee
- -Limited Amex acceptance
- -Fewer benefits than Gold
Financial details
Monthly fee€6.50
Foreign transaction fee2.5%
Credit limit€2,000+
Interest-free period54 days
Late payment fee€15
Banking features
Card networkamex
Daily ATM withdrawal limit€300
ATM fees€4 per withdrawal
Contactless paymentsSupported
Apple PaySupported
Google PaySupported
Choose your PINYes
Max cards per account1
Free replacement cardNo
Insurance coverage
Purchase protectionIncluded
Purchase protection deductible€75
Travel insuranceIncluded
Flight delay insuranceNot included
Baggage insuranceNot included
Car rental insuranceNot included
Cancellation insuranceNot included
Medical insuranceNot included
Legal assistanceNot included
Fraud protectionIncluded
24h helplineAvailable
Requirements
Minimum net income€1,667/month
BKR credit checkNot required
Delivery time7 business days
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
1
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income (min. €1,667/month) ready.
2
Start the application
Visit American Express's website and fill in the online application form. This typically takes 5–10 minutes.
3
Identity verification
Your identity will be verified. No BKR credit check is needed for this card.
4
Receive your card
Your card will arrive within 7 business days by post. Activate it online or via the app.
Quick facts
Provider
American Express
Rewards
Membership Rewards points
Tap to pay
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