Best for:KLM OccasionalMilesLow Cost
Entry Flying Blue card with first year free. Earn 0.8 miles per €1 and 15 XP points. Good starting point for occasional KLM travelers.
Rates last verified: 27 February 2026
The verdict
What we like
- +First year free (then €75/year)
- +2,500 welcome miles
- +15 XP points toward status
- +Lower income requirement
What to consider
- -Lower earning rate (0.8 miles/€1)
- -2.5% foreign transaction fee
- -Minimal travel benefits
- -Limited Amex acceptance
Financial details
Monthly fee€6.25
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€50
Travel insuranceIncluded
Flight delay insuranceIncluded
Baggage insuranceIncluded
Car rental insuranceNot included
Cancellation insuranceNot included
Medical insuranceNot included
Legal assistanceNot included
Fraud protectionIncluded
24h helplineAvailable
Requirements
Minimum net income€1,500/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. €1,500/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
Flying Blue miles
Tap to pay
Contactless ready