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American Express Cards in the Netherlands – Complete Guide

American Express (AMEX) is present in the Netherlands and has a number of credit cards and charge cards available for Dutch residents. Whilst American Express cards are not as widely used in Europe, their acceptance has slowly been growing.

In this article we will feature all American Express cards in the Netherlands. We will broadly split them between the standard AMEX cards which earn Membership Rewards and the Flying Blue cards.

Membership Rewards is the in-house points program from American Express which can be transferred to other airline and hotel partners. Flying Blue is the frequent flyer program of Air France-KLM.

Please be aware that the American Express Netherlands website is in Dutch only.

American Express Membership Rewards Cards in Netherlands

The following table summarises the 4 classic American Express cards which earn Membership Rewards points. We will describe the benefits of each card in more detail below.

Card Annual Fee Bonus Points Points Earned
amex blue American Express Blue Card €48 0 1 per €2 Apply
amex green American Express Green Card €66 2,500 1 per €1 Apply
amex gold American Express Gold Card €198 7,500 1.2 per €1 Apply
amex platinum American Express Platinum Card €702 15,000 1.5 per €1 Apply

American Express Blue Card

The Blue card is the basic entry card from American Express. The card cost is €3 per month (€48 annually). It offers some basic travel accident insurance if paying for your travel or stay with the card. It earns 1 Membership Rewards point for every €2 spent on the card. There are no bonus points awarded for taking the Blue card.

In addition, 2 supplementary Blue cards can be taken out free of charge for family or friends. You do require a minimum gross income of €18,000 per year. Apply for the Blue card here

American Express Green Card

The Green card costs €5.50 per month (€66 annually) though the first year is free. It offers some basic travel insurance (accident and missed departures) if paying for your travel or stay with the card. It has double the earning rate of the Blue card, earning 1 Membership Rewards point for every €1 spent on the card. There is a 2,500 points welcome bonus if €500 is spent on the card in the first 3 months.

In addition, 2 supplementary Green cards can be taken out free of charge for family or friends. You do require a minimum gross income of €23,000 per year. The free first year makes this a good introductory choice for an Amex card. Apply for the Green card here

American Express Gold Card

The Gold card costs €16.50 per month (€198 annually) though the first 6 months are free. It offers comprehensive travel insurance (up to age 75) for the cardholder and family if paying for your travel or stay with the card.

It has a slightly higher earning rate than the Green card, earning 1.2 Membership Rewards point for every €1 spent on the card. There is a 7,500 points welcome bonus if €500 is spent on the card in the first 3 months.

Other benefits include 2 free airport lounge passes each membership year via Lounge Club to enter into one of 500 airport lounges worldwide. This includes the Aspire lounges at Amsterdam Schiphol and in the UK.

For bookings with American Express Travel service (NL) using the card you get a one-time travel credit of €75. You also get free room upgrades at any of 500 hotels worldwide including €85 in-hotel credit for each booking.

In addition, 2 supplementary Gold cards can be taken out free of charge for family or friends. You do require a minimum gross income of €36,000 per year.

If you travel regularly this could be a worthwhile card, with its free 6 months, decent welcome bonus and if you can make good use of the hotel credit deal. Apply for the Gold card here

American Express Platinum Card

The Platinum card costs €58.50 per month (€702 annually) though the first 3 months are free. This is a high-end card used by many frequent flyers and travel ‘professionals’.

It offers fully comprehensive travel insurance for the cardholder and family (aged up to 75) and all supplementary card holders. This also includes full car hire insurance.

It has a higher earning rate than the Gold card, earning 1.5 Membership Rewards point for every €1 spent on the card. There is a 15,000 points welcome bonus if spending €500 on the card in the first 3 months.

The card comes with a raft of travel benefits. The cardholder and main supplementary cardholder will each receive a special Priority Pass membership. This allows free entry into one of 1,200 airport lounges worldwide and 1 free guest is allowed per card (unlike the normal Priority Pass membership which you have to pay for any guests). Thus a group of 4 could all get into the lounge.

The Platinum card will also get you direct entry into American Express Centurion lounges (mainly in the US, plus Hong Kong and soon London Heathrow T3), Plaza Premium lounges and Delta Sky Club lounges. You can also enter the Business Premier lounge at London, Paris and Brussels when travelling by Eurostar train.

A complimentary Privium Plus membership is given which includes fast border control (by iris scan) at Amsterdam Schiphol, business class check-in, use of the Privium lounges and Privium parking garage.

The Platinum card gives instant status in a number of hotel schemes:

Radisson Rewards Gold status
Hilton Honors Gold status (which includes free continental breakfast at all Hilton hotels)
MeliáRewards Gold status
Shangri-La Golden Circle Jade Membership
Marriott Bonvoy Gold Elite status

For bookings with American Express Travel service (NL) using the card you get a one-time travel credit of €150. You also get free room upgrades and privileges when booking 4 and 5 star hotels with the Fine Hotels & Resorts program.

In addition, 1 supplementary Platinum card and 4 supplementary Gold cards can be taken out free of charge for family or friends. You do require a minimum gross income of €60,000 per year.

Though expensive, if you travel extensively and make use of the benefits you could find good value from the card. Apply for the Platinum card here

American Express Membership Rewards – Transfer Partners

The Amex Membership Rewards program has a number of airline and hotel transfer partners. It is possible to transfer your Membership Rewards points into points/miles of 9 frequent flyer programs and 3 hotel programs. Note, the partners and transfer rates are slightly different for Netherlands-based American Express cards (compared to UK and US cards).

Partner Transfer Rate Transfer Time
Minimum Transfer
Air France-KLM Flying Blue 5 MR points : 4 Miles 3-10 days 625 MR points
British Airways Executive Club 5 MR points : 4 Avios 4-10 days 1,000 MR points
Alitalia MilleMiglia 5 MR points : 4 Miles 4-10 days 5 MR points
Asia Miles 5 MR points : 4 Miles 7-10 days 1,000 MR points
Delta SkyMiles 3 MR points : 1 SkyMile 4-10 days 3 MR points
Finnair Plus 5 MR points : 4 points 4-10 days 1,000 MR points
Iberia Plus 5 MR points : 4 Avios 4-10 days 800 MR points
SAS EuroBonus 3 MR points : 2 points 4-10 days 1,200 MR points
Singapore Airlines KrisFLyer 5 MR points : 4 miles 4-10 days 1,600 MR points
Hilton Honors 1 MR point : 1 point 4-10 days 100 MR points
Marriott Bonvoy 1 MR point : 1 point 4-10 days 100 MR points
Radisson Rewards 1 MR point : 2 points 4-10 days 2 MR points

American Express Flying Blue Cards in Netherlands

With KLM being the national airline based in Amsterdam you may find yourself flying regularly on Air France-KLM, Delta and other Skyteam partners. The following table overviews the 4 American Express Flying Blue cards available to Dutch residents.

We will describe the benefits of each card in more detail below. If you are not already a member of the Flying Blue program, applying for one of the cards will automatically enroll you.

Card Annual Fee Bonus Points Miles Earned
amex flying blue entry card AMEX Flying Blue Entry Card €35 2,500 0.5 per €1 Apply
amex flying blue silver card AMEX Flying Blue Silver Card
€75 2,500 0.8 per €1 Apply
amex flying blue gold card AMEX Flying Blue Gold Card
€170 7,500 1 per €1 Apply
amex flying blue platinum card AMEX Flying Blue Platinum Card
€600 15,000 1.5 per €1 Apply

American Express Flying Blue Entry Card

The basic Flying Blue Entry Card costs €35 per year. It offers some basic travel accident insurance if paying for your travel or stay with the card. It earns 0.5 Flying Blue miles for every €1 spent on the card. There is a 2,500 miles welcome bonus if spending €500 on the card in the first 3 months.

In addition, 2 supplementary Entry cards can be taken out free of charge for family or friends. You do require a gross annual income of €23,000. Apply for the Flying Blue Entry card here

American Express Flying Blue Silver Card

The Flying Blue Silver Card costs €75 per year, though the first year is free. It offers some basic travel insurance (accident and missed departures) if paying for your travel or stay with the card. It earns 0.8 Flying Blue miles for every €1 spent on the card. You earn 1 Flying Blue miles per €1 spent with KLM, Air France and Hertz.

There is a 2,500 miles welcome bonus if spending €500 on the card in the first 3 months. Also, by keeping the card your Flying Blue miles will not expire, even if you are not flying for a period of time.

You get 15 free XP points which go towards attaining elite status in the Flying Blue program.

In addition, up to 2 supplementary Silver cards can be taken out free of charge for family or friends. You require a gross annual income of €23,000. Apply for the Flying Blue Silver card here

American Express Flying Blue Gold Card

The Flying Blue Gold Card costs €170 per year, though the first year is half price at €85. It offers comprehensive travel insurance (up to age 75) for the cardholder and family if paying for your travel or stay with the card. It earns 1 Flying Blue mile for every €1 spent on the card. You earn 1.5 Flying Blue mile per €1 spent with KLM, Air France and Hertz.

There is a 7,500 miles welcome bonus if spending €500 on the card in the first 3 months. Also, by keeping the card your Flying Blue miles will not expire, even if you are not flying for a period of time.

You get 30 free XP points which go towards attaining elite status in the Flying Blue program.

In addition, up to 2 supplementary Gold cards can be taken out free of charge for family or friends. You also require a gross annual income of €23,000. Apply for the Flying Blue Gold card here

American Express Flying Blue Platinum Card

The top-of-the-range Flying Blue Platinum Card costs €600 per year, though the first year is half price at €300. It offers fully comprehensive travel insurance (up to age 75) for the cardholder and family if paying for your travel or stay with the card. It earns 1.5 Flying Blue miles for every €1 spent on the card. You earn 2 Flying Blue miles per €1 spent with KLM, Air France and Hertz.

There is a generous 15,000 miles welcome bonus if spending €500 on the card in the first 3 months. Also, by keeping the card your Flying Blue miles will not expire, even if you are not flying for a period of time.

You get 60 free XP points which go towards attaining elite status in the Flying Blue program. The first elite tier (Flying Blue Silver) requires 100XP in 12 months.

In addition, up to 1 supplementary Flying Blue Platinum card and up to 4 Flying Blue Gold cards can be taken out free of charge for family or friends. You also require a gross annual income of €60,000. Apply for the Flying Blue Platinum card here

Retailers in the Netherlands accepting American Express

Jumbo supermarkets, De Bijenkorf department store, IKEA stores and major petrol stations all accept AMEX payments.

Transport companies accepting AMEX include NS (Dutch Railways), KLM and Transavia.

Payments Outside Eurozone

Note that American Express charges 2.3% for payments made in other (non-euro) currencies. This is pretty standard for credit cards in the Netherlands as there are no 0% cards on the market. It is less of an issue than say the UK since the cards can be used forex fee-free anywhere in the 19 member states of the eurozone.

Note: Credit card names above are registered trademarks. You should pay your credit card or charge card balance in full every month. As the Dutch say “Let op! Geld lenen kost geld” which basically means “borrowing money costs money”! Terms and conditions can change.

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