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.

This overview may help you decide which is the best American Express card in the Netherlands for your own situation.

American Express Membership Rewards Cards in the Netherlands

The following table summarises the top 3 of the 4 classic American Express cards available in the Netherlands which earn Membership Rewards points. We will describe the benefits of all 4 cards in more detail below.

Best Travel Benefits	Best Mid-Range Card	Best Value
American Express Platinum Metal Card	American Express Gold Card	American Express Green Card
€780 per year	€240 per year	€78 per year
75,000 MR points bonus*	–	FREE first year
1 point per €1	1 point per €1	1 point per €1
Apply here	Apply here	Apply here

*temporary Membership Rewards bonus points offer – given out in months 7 and 13 of card membership. Apply before 28 Oct 2026.

American Express Platinum Metal Card

Best Travel Benefits

The Platinum Metal Card costs €65 per month which is €780 annually. Apply for the American Express Platinum Card here

This is a high-end card used by many frequent flyers and travel ‘professionals’ – see our full Amex Platinum Card review here

It offers fully comprehensive travel insurance for the cardholder and family and all supplementary card holders. This includes baggage delay, cancellation, travel accident and full car hire insurance.

Note, the supplementary Platinum card is now charged at €10 per month extra.

POINTS EARNING: The Platinum Card earns the standard 1 Membership Rewards point for every €1 spent on the card.

AMEX Platinum Card Lounge Access

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 1,550 airport lounges worldwide and 1 free guest is allowed per card (unlike the usual Priority Pass membership which you have to pay for any guests). Thus with 2 Platinum cards a group of 4 people could all get free access into a lounge.

If you were to purchase Priority Pass ‘Prestige’ membership separately it would cost €459 per person and you would pay €30 each time for any guests.

The Platinum Card will also get you direct entry into the high-end American Express Centurion lounges (mainly in the US plus Hong Kong/Sydney/Melbourne/London Heathrow T3/Stockholm).

Amex opened a Centurion lounge at Amsterdam Schiphol in September 2026 for non-Schengen departures.

You can also get access to Plaza Premium lounges worldwide (with 1 guest allowed) – this includes lounges at Copenhagen, Edinburgh, Frankfurt, Geneva, Helsinki, London Heathrow, London Gatwick, Rome, Stockholm and Zurich.

Access is granted to Delta Sky Club lounges (no free guests) when flying on Delta Air Lines.

The combined lounge access possibilities with the Platinum card is valued at over €500 per year.

At Schiphol airport Amsterdam, Platinum cardholders get a light freshly prepared meal (Loungebox on the go) at the GRAB&FLY outlets on presentation of your card and boarding pass. There are also outlets at Rotterdam-The Hague and Brussels airports. (Note: limits apply)

A complimentary Privium Plus membership (normally €370) is given which includes fast-track security and border control (by iris scan) at Amsterdam Schiphol, business class check-in at selected airlines, use of the 4 Privium lounges and the Privium parking garage.

There is also a Privium lounge at Eindhoven airport.

Supplementary cardholders can make use of a free Privium Partner membership (normally €210).

Other AMEX Platinum Card perks

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

Radisson Rewards Premium status
Hilton Honors Gold status (which includes free continental breakfast at all Hilton hotels)
MeliáRewards Gold status (includes 3 vouchers for 20% off a stay)
Marriott Bonvoy Gold Elite status

For car rentals you get Avis Preferred and Hertz Gold Plus Rewards status which gives a discount up to 15%.

You also get free room upgrades and privileges when booking 4 and 5 star hotels with the Fine Hotels & Resorts program, The Hotel Collection and The Vacation Collection.

Cardholders can get priority booking to special events and exclusive experiences.

Platinum cardholders get a 2-course lunch or dinner for 2 (valued at €50 per person) at selected restaurants in the Benelux – 3 times a year, so total value is €300.

In addition, 1 supplementary Platinum Card (€10 per month) and 4 supplementary Green Cards can be taken out for family or friends.

American Express quote the total value of the average annual benefits at over €2,400. We rate this the top travel credit card in the Netherlands

You now only require a minimum gross income of €30,000 per year – this used to be €60,000 per year – which means the card is open to many more people.

You can apply for the American Express Platinum Card here

Though expensive, if you travel extensively and make use of the card features you could find excellent value and benefits from the card.

• Comprehensive lounge access with free guest
• Access to Centurion lounge at Schiphol
• Full travel and car hire insurance
• Privium Plus at Amsterdam Schiphol & Eindhoven
• €300 Dining credit
• 75,000 temporary points offer (until 28/10/2026)

• Relatively expensive

Platinum Card – Apply here

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American Express Gold Card

Best Mid-Range Card

The Gold Card costs €20 per month which is €240 annually. Apply for the American Express Gold Card here

It offers comprehensive travel insurance for the cardholder and family if paying for your travel or stay with the card.

See our Amex Gold Card review here

POINTS EARNING: You can earn 1 Membership Rewards point for every €1 spent on the card. There are currently no bonus points for applying.

AMEX Gold Card benefits

Other benefits include 4 free airport lounge passes each membership year via Priority Pass to enter into one of 1,400 airport lounges worldwide. This includes the Aspire lounges at Amsterdam Schiphol and in the UK.

At Schiphol airport Amsterdam, Gold cardholders get a light freshly prepared meal (Loungebox on the go) at the GRAB&FLY outlets on presentation of your card and boarding pass (limits apply).

You get €100 ‘Dining for 2’ credit each year at a selection of restaurants in the Netherlands, Belgium and Luxembourg.

In addition, 4 supplementary Green Cards can be taken out free of charge for family or friends.

American Express quote the total value of the average annual benefits at over €800.

You do require a minimum gross income of €30,000 per year.

Apply for the American Express Gold Card here

If you travel every now and again this could be a worthwhile mid-range card, with its travel insurance coverage and 4 lounge passes. And if you can make use of the dining credit.

• 4 Lounge passes
• Travel insurance coverage
• €100 Dining credit

• No current bonus points

Gold Card – Apply here

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American Express Green Card

Best Value

The Green Card costs €6.50 per month (€78 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.

POINTS EARNING: It has the same earning rate as the Platinum and Gold cards, earning 1 Membership Rewards point for every €1 spent on the card. There are currently no bonus points on offer for applying.

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 €30,000 per year. Apply for the American Express Green Card here

With the 1:1 points earning rate and fee-free first year, makes the Green Card a great introductory choice for an Amex card. However, if you require more travel benefits then consider the Platinum or Gold card.

• Basic travel insurance
• Free first year
• 1 Membership Reward point per 1 spend

• No current bonus points
• No lounge access or dining benefits

Green Card – Apply here

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American Express Blue Card

The Blue Card is the basic budget entry card from American Express. The card costs €35 annually – however it is free if you spend €3,000 annually on the card.

It offers some basic travel accident insurance if paying for your travel or stay with the card.

Note, it only earns 1 Membership Rewards point for every €2 spent on the card which is half the rate of the Green and Gold Cards. If you are looking to rack up points from spending then consider one of the other cards. 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 €30,000 per year.

Since the Green card is free the first year and has a higher points earning rate we would probably recommend that card over the Blue card.

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American Express Membership Rewards – Transfer Partners

The great feature about the Amex Membership Rewards program is the flexibility to transfer points to a number of airline and hotel transfer partners.

It is currently possible for Dutch-based Membership Rewards cardholders to transfer their MR points into points/miles of 7 frequent flyer programs and 3 hotel programs. Note, the partners and transfer rates are slightly different for Netherlands American Express cards compared to UK and US cards.

Partner	Transfer Rate	Transfer Time	Minimum Transfer
Air France-KLM Flying Blue	5 : 4 Miles	3-10 days	625 MR points
British Airways Club	5 : 4 Avios	1 day	1,000 MR points
Cathay Asia Miles	5 : 4 Miles	7-10 days	1,000 MR points
Delta SkyMiles	3 : 1 SkyMile	4-10 days	3 MR points
Iberia Club	3 : 2 Avios	1 day	800 MR points
SAS EuroBonus	3  : 2 points	4-10 days	1,200 MR points
Singapore Airlines KrisFLyer	5 : 4 miles	up to 15 days	1,600 MR points
Hilton Honors	1 : 1 point	4-10 days	100 MR points
Marriott Bonvoy	1 : 1 point	4-10 days	100 MR points
Radisson Rewards	1 : 2 points	4-10 days	2 MR points

As an example, if you wanted 40,000 Avios you would need 50,000 MR points for a British Airways transfer but a higher 60,000 MR points for Iberia.

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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.

If you are not already a member of the Flying Blue program, applying for one of the cards will automatically enroll you.

The following table summarises the top 3 of the 4 American Express Flying Blue cards available in the Netherlands which earn Flying Blue miles. We will describe the benefits of all 4 cards in more detail below.

American Express Flying Blue Platinum Card	American Express Flying Blue Gold Card	American Express Flying Blue Silver Card
€660 per year	€198 per year	€75 per year
–	–	FREE first year
10,000 bonus Miles*	5,000 bonus Miles*	2,500 bonus Miles*
1.5 Miles per €1	1 Mile per €1	0.8 Mile per €1
Apply here	Apply here	Apply here

*Bonus miles are given in month 7 (50%) and month 13 (50%) of your membership – if you use your card monthly.

American Express Flying Blue Platinum Card

The top-of-the-range Flying Blue Platinum Card costs €55 per month which is €660 per year. Apply for the American Express Flying Blue Platinum Card here

It offers fully comprehensive travel insurance for the cardholder and family if paying for your travel or stay with the card. This includes the car hire insurance.

POINTS EARNING: 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 10,000 Miles welcome bonus*.

By keeping the card your Flying Blue miles will not expire, even if you are not flying for a period of time.

10000 miles is the starting rate for a return economy flight from Amsterdam to London.

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 100 XP 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.

One of the main features of the card is if you already have Platinum status with Flying Blue you can also give the Platinum status to your supplementary Platinum cardholder.

You require a gross annual income of €30,000.

You can apply for the American Express Flying Blue Platinum Card here

• Highest welcome bonus on any Dutch card
• Full travel and car hire insurance
• Higher Flying Blue Miles earn rate
• 60XP status points

• Tied to Flying Blue, Membership Rewards cards are more flexible
• Relatively expensive

Flying Blue Platinum Card – Apply here

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American Express Flying Blue Gold Card

The Flying Blue Gold Card costs €16.50 per month or €198 per year.

It offers comprehensive travel insurance for the cardholder and family if paying for your travel or stay with the card.

POINTS EARNING: 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 5,000 miles welcome bonus*.

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 require a gross annual income of €30,000.

Apply for the American Express Flying Blue Gold Card here

• 5,000 welcome bonus Miles
• Travel insurance coverage
• Solid Flying Blue Miles earn rate
• 30XP status points

• Tied to Flying Blue, Membership Rewards cards are more flexible

Flying Blue Gold Card – Apply here

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American Express Flying Blue Silver Card

The Flying Blue Silver Card costs €6.25 per month (€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.

POINTS EARNING: It earns a slightly lower 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*

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 €30,000.

Apply for the Flying Blue Silver Card here

• 2,500 welcome bonus Miles
• Free first year
• 15XP status points

• Tied to Flying Blue, Membership Rewards cards are more flexible

Flying Blue Silver Card – Apply here

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American Express Flying Blue Entry Card

The basic Flying Blue Entry Card costs €36 per year. It is free the first year and remains free if you spend €3,000 annually.

It offers some basic travel accident insurance if paying for your travel or stay with the card.

It only earns 1 Flying Blue miles for every €2 spent on the card.

There is a 1,000 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 €30,000.

Since the Flying Blue Silver Card is free the first year and has a higher points earning rate we would probably recommend that card over the Entry card.

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American Express Business Cards in Netherlands

American Express offers a number of business cards to cater for business expenses. These following two cards earn Membership rewards points. You need to have been registered with the Dutch Chamber of Commerce (KvK) for at least 1 year to apply for such a card.

American Express Business Gold Card	American Express Business Green Card
€270	€85
1 point per €1	1 point per €1
Apply here	Apply here

American Express Business Gold Card

The Business Gold Card costs €270 per year. It earns 1 Membership Rewards point for every €1 spent on the card.

The card offers business travel accident, travel inconvenience and cancellation insurance. There is also purchase and refund protection.

It now offers the same 4 x lounge access benefit as the standard Gold card. There is also Loungebox takeaway meals included at Amsterdam, Rotterdam-Hague and Brussels airports.

Cardholders get a 2-course lunch or dinner for 2 (valued at €50 per person) at selected restaurants in Belgium and the Netherlands – twice a year, so the total value is €200.

*temporary 100,000 Membership Rewards bonus points offer – given out in months 7 and 13 of card membership. Apply before 28 Oct 2026.

New for 2026 there is a Booster card option (an additional €180 per year) which offers accelerated points earning at 2-4x depending on the spend type.

You require a gross annual income of €36,000.

You can apply for the American Express Business Gold Card here

American Express Business Green Card

The Business Green Card costs €85 annually.

It earns 1 Membership Rewards point for every €1 spent on the card.

The card includes business travel accident and business travel inconvenience insurance.

You require a gross annual income of €23,000.

Apply for an American Express Business Green Card here

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About American Express

American Express is an international financial services company with headquarters in New York, USA and offices worldwide. It specialises in payment card services and has 60,000 staff located in 110 countries.

American Express was originally established in 1850. It introduced its first charge card in 1958.

Its Dutch office is located in Amsterdam.

American Express Cards Netherlands FAQ

Is the American Express Netherlands website available in English?

No, generally the Amex (Netherlands) website is in Dutch. There is an exception for the Platinum Metal Card which has an English landing page. All other card pages and application pages are in Dutch.

The landing pages for the business cards are in English and Dutch, though again the application procedure is in Dutch.

How long does it take to apply for an American Express card in the Netherlands?

Applications are normally processed within 10 working days.

What are the general requirements for an American Express card in the Netherlands?

You need to be aged 18 or over and have a Dutch address.

You should have no negative records on the ‘BKR’ Dutch credit register.

You should have a Dutch bank account. You need to verify your identity using the iDIN online identification system using your bank account login credentials.

You also have to upload a copy of your identity – valid passport or ID card (driving license not accepted) – which is verified via Onfido.

What are the eligibility requirements for any welcome bonus points or first year card discounts?

To receive any welcome bonus points or get discounts on the first year of card fees you should not have held an American Express card in the Netherlands for the last 12 months.

How can I manage my American Express account?

The account can be managed online through the American Express NL website or via the American Express app.

American Express can also be contacted by phone and Dutch/English is spoken.

Does American Express offer credit cards or charge cards in the Netherlands?

American Express issues charge cards in the Netherlands. Charge cards are slightly different to credit cards as they must be paid off every month – meaning there is no ongoing balance carried over.

No registration is therefore needed with the Dutch ‘BKR’ credit register due to the issuance of the card.

American Express will give you a spending limit on the card based on your spending habits and personal profile. If you need a higher temporary limit you should contact Amex customer service.

Can I use Apple Pay with American Express Netherlands cards?

Yes, Apple Pay is available for all Membership Rewards and Flying Blue cards.

What is the fee on non-Euro payments for Dutch-based American Express cards?

American Express charges 2.5% for payments made in other (non-euro) currencies. This is pretty standard for credit cards in the Netherlands. This is less of an issue than say the UK or US based cards – since the Dutch cards can be used forex fee-free anywhere in the 19 member states of the eurozone.

Can I cancel or change my American Express card?

Yes, American Express is generally very flexible with cancellations. You usually pay the card fee monthly so effectively you get a pro-rata refund if cancelling the card. Many other card providers will charge you for the full year.

You can also easily upgrade or downgrade to other American Express cards should you satisfy all the basic requirements.

What about the American Express Centurion card in the Netherlands?

We haven’t covered the Dutch American Express Centurion card above because this is an invitation-only card product. There is a one-time €4,000 registration fee and the annual fee is also €4,000 per year. The card earns 1.5 Membership Rewards points per €1 spent.

Which retailers in the Netherlands accept American Express cards?

ALDI, Dirk van den Broek and Jumbo supermarkets, De Bijenkorf department store, HEMA, IKEA stores and major petrol stations all accept AMEX payments.

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

Note: Card names above are registered trademarks. You should pay your credit card or charge card balance in full every month. We are not offering any financial advice, we are merely describing the main card benefits and features. Always read the terms and conditions carefully before taking out any financial product.

Last checked and updated 19 October 2026, originally published in 2019.

Links on AmsterdamTips.com may pay us an affiliate commission.

The post American Express Cards in the Netherlands (Complete Guide) appeared first on AmsterdamTips.com.

Is the Amex Gold card worth paying this fee? In this guide we will take a detailed look at the travel and insurance benefits the Gold card has to offer.

The American Express Gold Card is a charge card – not a credit card – and the balance has to be paid in full each month. It is issued directly by the American Express Company.

The card fee is €20 per month which is €240 on an annual basis.

Amex Gold Card – Apply here

Benefits of the Amex Gold card in the Netherlands

Amex Gold in the Netherlands comes with a reasonable range of benefits.

Lounge Access with Amex Gold

The cardholder receives 4 free lounge visits per year made through a Priority Pass membership.

Any further visits after the 4 included would be charged at the standard €30 guest Priority Pass fee. This fee is usually a bit cheaper than paying the standard entry rates to lounges which are often €35-50.

You get 4 further free visits each year you renew the card.

Priority Pass has around 1,400 lounges worldwide in its network. Here are the Priority Pass lounges in the Netherlands and at nearby airports:

• Aspire Lounge 26 (Schengen), Amsterdam Schiphol
• Aspire Lounge 41 (non-Schengen), Amsterdam Schiphol
• Hugo Junkers Lounge, Dussledorf
• Open Sky Lounge, Dusseldorf
• The Lounge T1/T2, Brussels Charleroi

TIP: The Vienna Lounge at Vienna T1 is rated the best Priority Pass lounge in Europe.

One should note that some lounges on the Priority Pass network can be very busy and it may not always be possible to access!

The American Express Platinum card is the premium card offering from Amex with a raft of lounge and travel benefits. It offers unlimited lounge access via Priority Pass, Plaza Premium and more.

See our Amex Platinum Card guide here

Loungebox

At Schiphol Airport Amsterdam, Netherlands-issued Gold cardholders get a light freshly-prepared meal (‘Loungebox on the go’ in a blue Amex branded bag) at one of the 6 GRAB&FLY outlets on presentation of your Amex card and boarding pass.

This benefit is valid twice a month for the cardholder – and only applies if you choose not to enter one of the Aspire lounges on that day.

You can create your own menu by combining from the following three choices:

• Yogurt, a salad, a sandwich or a wrap
• a croissant or a piece of fruit
• one hot or cold drink.

This benefit can also be used at Rotterdam-The Hague airport and Brussels airport.

Dining for 2 Credit

Gold cardholders get a 2-course lunch or dinner for 2 (valued at €50 per person) at over 100 selected restaurants in the Benelux. This is available in October with reservations (mandatory) open 10 days before the start of the respective month.

If used in full the total value of the dining credit is €100. Dining for 2 can only be accessed through the Amex Experiences App.

Travel Insurance

Travel accident insurance is available although the policy is not as comprehensive as that of the Platinum card.

When paying for your trip using the Gold card you get the following coverage:

• up to €1,500,000 for medical expenses
• up to € 700 per trip for lost, damaged or stolen personal property
• up to € 4,500 for trip cancellation or postponement

The insurance is underwritten by Europ Assistance, part of Generali Group. Please contact Amex regarding any pre-existing medical conditions.

Membership Rewards – Points Earning

Membership Rewards is the in-house American Express points program which allows the flexibility to transfer points to other airline and hotel programs.

The Gold Card earns the standard 1 Membership Rewards (MR) point for every €1 spent on the card.

Generally the Dutch-issued Gold card offers no bonus points for applying.

It is currently possible for Dutch-based Membership Rewards cardholders to transfer their MR points into points/miles of 7 frequent flyer programs and 3 hotel programs.

Note, the partners and transfer rates are slightly different for Netherlands American Express cards compared to UK and US cards.

As an example, if you wanted 40,000 Avios you would need 50,000 MR points for a British Airways transfer but a higher 60,000 MR points for Iberia.

Amex Gold Card FAQ

What is a Membership Reward point worth?

Amex quotes a standard value at €0.003 per MR point (just under a third of a euro cent). However the points are more valuable on the basis that they are transferable. By carefully redeeming for business class flights you can get a lot higher value.

What is the fee on non-Euro payments for the American Express Gold card?

American Express charges 2.5% for payments made in other (non-euro) currencies. The card can be used forex fee-free anywhere in the 19 member states of the eurozone.

What is the income requirement for an Amex Gold Card?

You require a minimum gross income of €30,000 per year.

What are the supplementary card options with the Gold Card?

You can also get a Business Gold Card free for the first year – after that it is charged at the standard €270 per year. But note the income requirement is higher at €36,000.

In addition, 4 free supplementary Amex Green Cards can be taken out.

How long does it take to apply for an American Express Gold card in the Netherlands?

Applications are normally processed within 10 working days.

What are the general requirements for an American Express card in the Netherlands?

You need to be aged 18 or over and have a Dutch address.

You should have no negative records on the ‘BKR’ Dutch credit register.

You should have a Dutch bank account. You need to verify your identity using the iDIN online identification system using your bank account login credentials.

You also have to upload a copy of your identity – valid passport or ID card (driving license not accepted) – which is verified via Onfido.

How can I manage my American Express account?

The account can be managed online through the American Express NL website or via the American Express app.

American Express can also be contacted by phone and Dutch/English is spoken.

Can I use Apple Pay with an American Express Gold card?

Yes, Apple Pay is available for all Amex Membership Rewards cards.

Can I cancel or change my American Express Gold card?

Yes, American Express is generally very flexible with cancellations. Since the card fee is paid monthly you effectively get a pro-rata refund if cancelling the card. Many other card providers will charge you for the full year.

You can also easily upgrade or downgrade to other American Express cards should you wish.

Which retailers in the Netherlands accept American Express cards?

ALDI, Dirk van den Broek and Jumbo supermarkets, De Bijenkorf department store, HEMA, IKEA stores and major petrol stations all accept AMEX payments.

Transport companies accepting AMEX include NS (Dutch Railways), KLM and Transavia. You can book experiences and activities with the likes of GetYourGuide and Tiqets.

American Express quotes the total value of the average annual benefits at over €800 – compared with the €240 card fee.

With its 4 lounge visits, basic travel insurance and other perks the Gold card is an excellent introductory ‘mid-range’ card.

You could give the Gold card a try for a year to see it it works for you.

You can apply for the American Express Gold Card here

Note: Card name is a registered trademark. You should pay your credit card or charge card balance in full every month. We are not offering any financial advice, we are merely describing the main card benefits and features. Always read the terms and conditions carefully before taking out any financial product.

First published in 2025, last checked and updated on 19 October 2026.

Links on AmsterdamTips.com may pay us an affiliate commission.

The post American Express Gold Card (Netherlands) Review appeared first on AmsterdamTips.com.

Is the Amex Platinum card worth paying this fee? In this guide we will take a detailed look at the raft of travel and insurance benefits the Platinum card has to offer.

The American Express Platinum Card is a charge card – not a credit card – and the balance has to be paid in full each month. It is issued directly by the American Express Company.

The card fee is €65 per month which is €780 on an annual basis.

A supplementary Platinum card with full benefits is charged at €10 per month extra – which is €120 per year or €900 total per year for 2 cards.

Temporary 75,000 Membership Rewards bonus points offer – given out in months 7 and 13 of card membership. Apply before 28 Oct 2026.

Apply for the American Express Platinum Card here

Benefits of the Amex Platinum card in the Netherlands

Amex Platinum comes with a significant range of benefits, significantly more than any other card product on the Dutch market.

Lounge Access with Amex Platinum

American Express Centurion Lounges

The Platinum Card will also get you direct entry into the high-end American Express Centurion lounges. These are located mainly in the US plus international lounges at Hong Kong/Sydney/Melbourne/London Heathrow T3/Stockholm.

Amex opened a Centurion lounge at Amsterdam Schiphol in September 2026 between the E and F piers for non-Schengen departures.

Priority Pass

The cardholder and main supplementary cardholder will each receive a special Priority Pass membership.

This allows free entry into one of 1,400 airport lounges worldwide and 1 free guest is allowed per card.

Thus with 2 Platinum cards a group of 4 people could all get free access into a lounge – excellent for a couple with 2 children, for example.

If you were to purchase the equivalent Priority Pass ‘Prestige’ membership separately it would normally cost €459 per person. On top of this you would always pay €30 each time for any guests.

Let’s say our family of 4 made the following 3 return trips in a year with lounge access at each departure and transfer point:

1. Amsterdam-Tenerife
2. Amsterdam-London
3. Amsterdam-Vienna-Dubai

With the Platinum card, you would be saving 16x€30=€480 in guest fees. If you paid for the Priority Pass, your total annual bill would be €459×2=€918 (membership) + €480 which is €1,398. This sum is already higher than the €900 Platinum Card+supplementary card annual fee.

TIP: The Vienna Lounge at Vienna T1 is rated the best Priority Pass lounge in Europe.

Here are the Priority Pass lounges in the Netherlands and at nearby airports:

• Aspire Lounge 26 (Schengen), Amsterdam Schiphol
• Aspire Lounge 41 (non-Schengen), Amsterdam Schiphol
• Hugo Junkers Lounge, Dussledorf
• Open Sky Lounge, Dusseldorf
• The Lounge T1/T2, Brussels Charleroi

One should note that some lounges on the Priority Pass network can be very busy and it may not always be possible to access!

Plaza Premium Lounges

Plaza Premium Group operates a large network of international airport lounges – over 250 lounge locations at over 80 international airports in 30 countries.

The Amex Platinum card gives direct entry into any Plaza Premium branded lounge worldwide.

Plaza Premium lounges in Europe are located at the following airports:

Budapest (BUD), Copenhagen (CPH), Edinburgh (EDI), Geneva (GVA), Gothenburg (GOT), Helsinki (HEL), Isle of Man (IOM), Istanbul (SAW), London Gatwick (LGW), London Heathrow (LHR), Rome (FCO), Stockholm (ARN), Zurich (ZRH).

Other Lounges

Access is granted to Delta Sky Club lounges (no free guests) when flying on Delta Air Lines – these are also mainly located in the US.

The combined lounge access possibilities with the Platinum card is valued at over €900 per year.

Note, holders of Netherlands-issued Platinum cards do NOT get access to the Eurostar Premier lounges in London, Paris and Brussels. Holders of Platinum cards issued in Belgium, France and the UK do get access.

Since 1/10/26 Platinum card members can no longer access Lufthansa lounges.

Privium Membership

An exclusive arrangement for Netherlands-issued Platinum cardholders is a complimentary Privium Plus membership. This offers a dedicated border control gate using an iris scan to pass through.

It also offers fast-track security, business class check-in at selected airlines, use of the 5 Privium lounges and the paid option of the Privium parking garage at Schiphol.

Privium lounges are as follows:

• Privium ClubLounge Departures (Amsterdam Schiphol, before security)
  
• Privium ClubLounge South (Amsterdam Schiphol, Schengen)
• Privium ClubLounge West (Amsterdam Schiphol, non-Schengen)
  
• Privium ExpressLounge (Amsterdam Schiphol, Schengen)
  
• Privium ExpressLounge (Eindhoven)

Privium Plus membership normally costs €370 per year. Supplementary cardholders can make use of a free Privium Partner membership which normally costs €210. So the total value of the Privium benefit is €580.

Privium is a subscription service available for nationals of the European Economic Area (EEA) and Switzerland. Note, you cannot join Privium with a United Kingdom or United States passport.

Loungebox

At Schiphol Airport Amsterdam, Netherlands-issued Platinum cardholders get a light freshly-prepared meal (‘Loungebox on the go’ in a blue Amex branded bag) at one of the 6 GRAB&FLY outlets on presentation of your Amex card and boarding pass.

There are also participating outlets at Rotterdam-The Hague and Brussels airport.

This benefit is valid twice a month for the cardholder and supplementary cardholder – and only applies if you choose not to enter one of the (Aspire) lounges on that day.

Amex Platinum Card – Apply here

Hotels

If you book 4 and 5 star hotels with the Fine Hotels & Resorts (FHR) program via Amex Travel, you can get room upgrades and benefits such as late check-out, hotel credit and free breakfasts.

There are around 1,800 premium hotels worldwide in the FHR scheme with 12 properties in the Netherlands – including Anantara Grand Hotel Krasnapolsky, De L’Europe, Intercontinental Amstel, Mandarin Oriental Conservatorium, Pillows Grand Boutique Hotel Maurits, Pulitzer, Rosewood, Sofitel Legend The Grand, The Dylan, Tivoli Doelen, Waldorf Astoria.

Hotel Status

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

Hilton Honors Gold status
MeliáRewards Gold status
Marriott Bonvoy Gold Elite status
Radisson Rewards Premium status

Of these the Hilton Honors Gold membership is probably the stand-out. This normally requires 25 nights, 15 stays or $6,000 USD equivalent spend.

The benefits of Hilton Honors Gold are:

• Free continental breakfast (outside US) or daily food and beverage credit
• 80% points bonus on stays
• Space-available room upgrades
• Free WiFi + free bottled water
• Milestone bonus points every 10 nights (after staying 40 nights)

Hilton brands in the Netherlands include Waldorf Astoria (Amsterdam), Hilton, Doubletree by Hilton and Hampton by Hilton.

MeliáRewards Gold status usually requires at least 10 stays or 20,000 points or 20 nights.

Melia is a Spanish brand with lots of hotels and resorts in Spain. It has 1 hotel in the Netherlands: INNSiDE Amsterdam (at Amsterdam Zuid).

It offers Gold status members a 2nd breakfast for free. You also get 3 discount vouchers for 20% off stays – redeemable in 1 calendar year – which can be valuable if booking a resort stay

For example, we priced a Deluxe Ocean Front View at Gran Meliá Palacio de Isora on Tenerife (all inclusive) at €6,013 for 1 week in February half-term. Your 20% voucher could take €1,200 off the cost – more than the Amex Platinum card annual fee.

Car Rental Status

For car rentals you get Avis Preferred and Hertz Gold Plus Rewards status which gives discounts of 15-25% and vehicle upgrades.

There is also car rental insurance coverage – see details below – so you save money by not needing to pay for the car rental company’s collision damage insurance.

Dining for 2 Credit

Platinum cardholders get a 2-course lunch or dinner for 2 (valued at €50 per person) at over 100 selected restaurants in the Benelux. This can be done 3 times a year in April, June and October with reservations (mandatory) open 10 days before the start of the respective month.

If used in full the total value of the dining credit is €300. Dining for 2 can only be accessed through the Amex Experiences App.

Restaurants in Amsterdam include Arles / Café De Kroon / Brasserie OCCO (The Dylan) / Full Moon Garden / Heck’s Amsterdam / Kitchen & Bar Van Rijn / Maris Piper / Mitts Restaurant / Sea Palace / The Traveller Zuid / The Traveller Zuid-Oost / Visaandeschelde – though check the app for any updates.

Comprehensive Travel Insurance

Insurance coverage is available to the main cardholder, their partner and children (under 25) and the supplementary card holder. You should pay for your trip using the card to ensure coverage which includes:

• up to €3,000,000 for medical expenses
• up to € 3,000 per trip for lost, damaged or stolen personal property
• up to € 10,000 for trip cancellation or postponement
• up to € 75,000 travel accident insurance
• up to € 400 for travel inconveniences per claim after 4 hours of baggage delay
• up to € 200 for travel inconveniences per claim after 4 hours of flight delay
• up to € 75,000 car rental insurance for damage and theft and up to € 750,000 liability with
  car rental insurance

The coverage is underwritten by Europ Assistance, part of Generali Group. Please contact Amex regarding any pre-existing medical conditions.

Membership Rewards – Points Earning

Membership Rewards is the in-house American Express points program which allows the flexibility to transfer points to other airline and hotel programs.

The Platinum Card earns the standard 1 Membership Rewards (MR) point for every €1 spent on the card.

Generally the Dutch-issued Platinum card offers no bonus points for applying.

It is currently possible for Dutch-based Membership Rewards cardholders to transfer their MR points into points/miles of 7 frequent flyer programs and 3 hotel programs.

Note, the partners and transfer rates are slightly different for Netherlands American Express cards compared to UK and US cards.

As an example, if you wanted 40,000 Avios you would need 50,000 MR points for a British Airways transfer but a higher 60,000 MR points for Iberia.

Amex Platinum Card FAQ

What is a Membership Reward point worth?

Amex quotes a standard value at €0.003 per MR point (just under a third of a euro cent). However the points are more valuable on the basis that they are transferable. By carefully redeeming for business class flights you can get a lot higher value.

What is the fee on non-Euro payments for the American Express Platinum card?

American Express charges 2.5% for payments made in other (non-euro) currencies. The card can be used forex fee-free anywhere in the 19 member states of the eurozone.

What is the income requirement for an Amex Platinum Card?

You require a minimum gross income of €30,000 per year – this used to be €60,000 per year – which means the card is open to many more people.

What are the supplementary card options with the Platinum Card?

1 supplementary Platinum Card (€10 per month) with full benefits can be applied for.

In addition, 4 free supplementary Amex Green Cards can be taken out for family or friends.

Can I use this as a business card?

If you use the card solely for business expenses (no personal spending) then it could be used as a business card. As a freelancer/ZZP’er you should be able to offset the annual fee as an expense against tax, but please check this with your accountant or book keeper.

How long does it take to apply for an American Express Platinum card in the Netherlands?

Applications are normally processed within 10 working days.

What are the general requirements for an American Express card in the Netherlands?

You need to be aged 18 or over and have a Dutch address.

You should have no negative records on the ‘BKR’ Dutch credit register.

You should have a Dutch bank account. You need to verify your identity using the iDIN online identification system using your bank account login credentials.

You also have to upload a copy of your identity – valid passport or ID card (driving license not accepted) – which is verified via Onfido.

How can I manage my American Express account?

The account can be managed online through the American Express NL website or via the American Express app.

American Express can also be contacted by phone and Dutch/English is spoken.

Can I use Apple Pay with an American Express Platinum card?

Yes, Apple Pay is available for all Amex Membership Rewards cards.

Can I cancel or change my American Express Platinum card?

Yes, American Express is generally very flexible with cancellations. Since the card fee is paid monthly you effectively get a pro-rata refund if cancelling the card. Many other card providers will charge you for the full year.

You can also easily downgrade to other American Express cards should you wish.

Which retailers in the Netherlands accept American Express cards?

ALDI, Dirk van den Broek and Jumbo supermarkets, De Bijenkorf department store, HEMA, IKEA stores and major petrol stations all accept AMEX payments.

Transport companies accepting AMEX include NS (Dutch Railways), KLM and Transavia. You can book experiences and activities with the likes of GetYourGuide and Tiqets.

American Express quotes the total value of the average annual benefits at over €2,400. We rate this the top travel credit card in the Netherlands

Though expensive, if you travel extensively and make use of the card features you could find excellent value and benefits from the card.

You could give the card a try for a year to see it it works for you.

You can apply for the American Express Platinum Card here

Note: Card name is a registered trademark. You should pay your credit card or charge card balance in full every month. We are not offering any financial advice, we are merely describing the main card benefits and features. Always read the terms and conditions carefully before taking out any financial product.

First published in 2025, last checked and updated on 19 October 2026.

Links on AmsterdamTips.com may pay us an affiliate commission.

The post American Express Platinum Card (Netherlands) Review appeared first on AmsterdamTips.com.

The thrifty Dutch have much less of a consumer debt culture than say US, UK or Australia and many shops in Holland still do not accept credit card payments.

However, if you are living and working in the Netherlands then it could be useful to get a credit card – especially if you need to travel frequently. A credit card is pretty much essential for international hotel and car rental bookings.

In addition, paying for flights and online purchases with a credit card gives you more consumer protection than other payment methods.

If you apply for a credit card in the Netherlands, the card issuer will likely run a background credit check on the Bureau Kredietregistratie (BKR) credit register.

Let’s take a look at the best credit cards available in the Netherlands that may be worth considering for expats and internationals.

We will overview American Express cards, generic Visa and Mastercards from ICS, Dutch bank credit cards and ANWB-branded cards.

[1] American Express Cards in the Netherlands

American Express (AMEX) is active in the Dutch card market though its cards are not as widely accepted in Europe as Visa or Mastercard.

American Express offers charge cards which must be paid off every month. This means there is no ongoing balance and no registration is needed with the BKR.

Forex fees for non-euro payments on its Dutch cards are 2.5%. Apple Pay is available with American Express cards.

American Express card applications can take up to 10 working days to be processed.

AMEX cards are excellent for earning miles and points. Please note, the American Express Netherlands website for personal cards (except the Platinum card) is in Dutch only!

American Express Membership Rewards Cards in the Netherlands

AMEX has a number of card options for Dutch residents which when used can earn points on their in-house reward program called Membership Rewards (MR).

This is a very flexible program with many different partners, particularly in the travel and airline sector. You can transfer your Membership Reward points into the available program of your choice.

Here is a table summary of the top 3 classic American Express cards available in the Netherlands which earn Membership Rewards points:

Best Travel Benefits	Best Mid-Range Card	Best Value
American Express Platinum Metal Card	American Express Gold Card	American Express Green Card
€780 per year	€240 per year	€78 per year
75,000 MR bonus points*	–	FREE first year
1 point per €1	1 point per €1	1 point per €1
Apply here	Apply here	Apply here

*temporary Membership Rewards bonus points given out in months 7 and 13 of card membership. Apply before 28 Oct 2026.

American Express Platinum Metal Card

The American Express Platinum Metal Card is a high-end card with many travel privileges. It costs €65 per month or €780 annually.

It features comprehensive travel insurance, Privium Plus membership (Dutch border control at Schiphol and Eindhoven), worldwide airport lounge access and up to €300 worth of dining set menus via selected restaurants.

1 MR point is earned for each €1 spend. You require a gross annual income of €30,000.

You can apply for an American Express Platinum Metal card here 

American Express Gold Card

The American Express Gold Card is €20 per month or €240 annually.

It includes 4 lounge entry passes which can be used at 1,300 airports lounges worldwide and some basic travel insurance. It also has €100 dining credit.

1 MR points are earned for each €1 spend. You require a gross annual income of €30,000.

You can apply for an American Express Gold card here

American Express Green Card

The American Express Green Card is €6.50 per month or €78 annually, currently free the first year.

It is the classic standard AMEX card with basic travel accident and travel inconvenience insurance.

1 MR point is earned for each €1 spend. You require a gross annual income of €30,000.

You can apply for an American Express Green card here

American Express Blue Card

The American Express Blue Card is the base card product and offers 1 MR point per €2 spend. It costs €36 annually, but is free the first year – it continues to be free if annual card spend is over €3,000.

You require a gross annual income of €30,000. [If points are important to you then we would probably recommend the Green card over the Blue since both are free the first year but the Green offers 2x MR points earning rate over the Blue.]

KLM Flying Blue American Express Cards

These Amex cards could be useful for those who fly regularly with KLM/Air France/Skyteam and are members of the Flying Blue frequent flyer scheme.

The cards are offered with Flying Blue Award Mile welcome bonuses – these are given in month 7 (50%) and month 13 (50%) of your membership – if you use your card monthly.

The following table compares the top 3 American Express Flying Blue cards available in the Netherlands which earn Flying Blue miles.

American Express Flying Blue Platinum Card	American Express Flying Blue Gold Card	American Express Flying Blue Silver Card
€660 per year	€198 per year	€75 per year
–	–	FREE first year
10,000 bonus Miles	5,000 bonus Miles	2,500 bonus Miles
1.5 Miles per €1	1 Mile per €1	0.8 Mile per €1
Apply here	Apply here	Apply here

American Express Flying Blue Platinum Card

The top-of-the-range Flying Blue Platinum Card (€55 per month or €660 per year) comes with a potential welcome bonus of 10,000 Flying Blue Miles, comprehensive travel insurance and 60 XP points for elite status.

The card’s earning rates are 1.5 miles per €1 spend and 2 miles (award and level) per €1 spend at KLM/Air France.

You require a gross annual income of €30,000.

You can apply for the American Express Flying Blue Platinum card here

American Express Flying Blue Gold Card

The Flying Blue Gold Card (€16.50 per month or €198 per year) offers a potential welcome bonus 5,000 Flying Blue miles and 30 XP points for elite status.

The card’s earning rates are 1 mile per €1 spend and 1.5 miles (award and level) per €1 spend at KLM/Air France.

You require a gross annual income of €30,000.

You can apply for the American Express Flying Blue Gold card here

American Express Flying Blue Silver Card

The Flying Blue Silver Card (€6.25 per month or €75 per year, free the first year) comes with a potential welcome bonus of 2,500 Flying Blue miles and 15 XP points for elite status.

The card’s earning rates are 0.8 miles per €1 spend and 1 mile per €1 spend at KLM/Air France.

You require a gross annual income of €30,000.

The Flying Blue Silver card application can be made here

American Express Flying Blue Entry Card

The Flying Blue Entry Card (€3 per month or €36 per year, free the first year) is the base Flying Blue card product. It features a potential 1,000 mile welcome bonus and an earning rate of 1 miles per €2 spend (effectively 0.5 miles per €1).

You require a gross annual income of €30,000.

For a more detailed overview of all the above cards then please see American Express Cards in the Netherlands – A Complete Guide

[2] Visa (Generic Cards from ICS)

ICS (International Card Services) offers a number of generic Visa cards which are very widely accepted world wide and in the Netherlands.

These Visa cards are stand alone products and are not associated with a specific bank.

You will require a net monthly salary of €1,500 for these Visa cards. Non-euro forex charges are generally 2%.

All cards have a credit limit between €1,000 to €5,000, calculated depending on your income and credit rating. ICS pays interest on positive credit balances over €500.

The Visa cards can be administered via the ICS online portal or app.  ICS cards offer contactless payment and Apple Pay.

Expect the application to take between 5 and 10 working days.

There are 3 Visa World cards available on the Dutch market issued by ICS:

[3] Mastercard (Generic Cards from ICS)

ICS offers the option of having a generic Mastercard. Like the Visa, these are really widely accepted worldwide and also within the Netherlands.

These Mastercards are stand alone products and are not associated with a specific bank. They are slightly cheaper than Visa in terms of the annual fee.

You will require a net monthly salary of €1,500 for all the Mastercard products.

Non-euro forex charges are generally 2%.

All cards have a credit limit between €1,000 to €5,000, calculated depending on income and credit rating. ICS pays interest on positive credit balances over €500.

The cards can be administered via the ICS online portal or app. ICS cards offer contactless payment and Apple Pay.

Expect the application to take 5-10 working days.

There are 3 Mastercard cards available issued by ICS in the Netherlands.

[4] Dutch Bank Credit Cards (account holders only)

If living in Holland it is essential to open a Dutch bank account in order to function financially. Most banks will offer clients the possibility to apply for a credit card.

In general you must be a client of the bank to apply for one of the following cards.

ABN Amro Credit Cards

ABN AMRO has a very good banking service for Netherlands-based expats with much information available in English. If you choose to bank with ABN AMRO then its branded Mastercard credit card offerings (issued by ICS, International Card Services) will probably be an easy option.

It is possible to open an ABN AMRO bank account online here (English) in around 10 minutes without the need to visit a branch by using the ABN AMRO app.

To qualify for either card you must be earning at least €1,500 net per month (about €18,500 gross per year) or have ‘box 3’ capital on a Dutch tax return of over €25,000 for the last 2 years.

The ABN Amro Student Credit Card costs €1.31 (€15.72 per year). It has 180 day purchase protection. It  requires a minimum monthly net income of €500.

Forex fees for non-euro payments using ABN AMRO credit cards are charged at 2%.

Once you have an ABN AMRO account you can apply for one of its credit cards by logging into the ABN AMRO online banking portal. The initial application can be made in English.

It then takes around 10 working days for ICS to approve your application – they may ask for income verification documents. More info on ABN AMRO credit cards is here

The card can be managed online at the ABN AMRO/ICS portal. You can also add the card to the ABN AMRO app to view transactions.

ING Credit Cards

Major retail bank ING also offers its own branded Mastercards. There are 3 cards available with ING banking packages – Creditcard, PlatinumCard and Student Creditcard.

The ING Creditcard costs €2.00 per month (€24 per year) with a credit limit of between €1,000 and €5,000. It has 365 day purchase protection.

The ING PlatinumCard costs €4.35 per month (€52.20 per year) with a credit limit of between €1,000 and €20,000. It has 365 day purchase protection. It comes with some additional car rental and travel delay insurance.

Either card requires a minimum monthly income of €1,000 to be paid into your ING account.

The ING Student CreditCard costs €1.20 per month (€14.40 per year) with credit limit of €1,000. It has 180 day purchase protection.

ING charges a forex fee of 2% for non-Euro payments though the Platinumcard comes with €1,000 per month spend at 0% forex fee.

ING cards have a ING Punten (points) scheme where you can collect points for exchange via the ING shopping portal.

The cards can be managed at the ‘Mijn ING‘ online portal or its mobile banking app – these do have an English version available.

Knab Credit Card

Online bank Knab offers Knab Plus account package holders the option of having a Knab Credit Card (Mastercard) issued by ICS.

The Knab Mastercard costs €28 per year. Credit limits range from €500 to €5,000. The card offers 180 day purchase protection and the forex fee for non-euro payments is 2%.

You require a monthly net income of €1,500.

Rabobank Credit Cards

Major Dutch retail bank Rabobank has its own branded “RaboCard” Mastercards and Visa cards for customers who have one of their various banking packages. Depending on the package, the cards are either free or attract a surcharge of up to €2 per month.

The standard RaboCard has a basic credit limit of €1,000 and offers 180 day purchase protection. The Rabo GoldCard has a basic €2,500 credit limit – although higher limits are offered to premium package customers. The Gold card has 360 day purchase protection.

Forex fees for non-euro payments on Rabo cards are 2%.

A minimum monthly net income of €1,000 is required for RaboBasisPakket customers (€500 for Rabo Free customers).

Rabobank does not offer an English portal for customers.

ASN Bank (Volksbank) Credit Card

ASN Credit Card – Ethical bank ASN offers a branded Visa credit card issued by ICS which costs €37.50 per year (or €27.50 per year for students). A credit limit of up between €1,000 and €5,000 is available.

Forex fees for non-euro payments are 2% and it offers 180 day purchase protection The card is only available to ASN account holders; no English portal is available.

[5] ANWB Credit Cards

ANWB (Royal Dutch Touring Club) is the main motoring association of the Netherlands (like AA, RAC in the UK or AAA in the US).

It offers basic membership and breakdown service for cars and cyclists.

It gives members the possibility to apply for one of 3 ANWB-branded credit cards – these are also issued by ICS.

The standard ANWB Visa Classic Card costs €29.95 per year and has 180 day purchase protection.

The ANWB Visa Silver Card is €39.95 per year. It has 270 day purchase protection.

The ANWB Visa Gold Card is €51.95 per year, half-price the first year at €25.98. It gives 365 day purchase protection.

Credit limits are up to €5,000 depending on your inncome. The Silver and Gold cards offer extra car rental insurance policies.

A required net monthly salary of €1,500 for the ANWB cards. Non-euro forex charges are 2%.

Summing Up – Dutch Credit Cards

We have given an overview of the main consumer credit cards available in the Dutch market.

Dutch credit cards come with contactless payment for transactions under €50 and integration with Apple Pay and/or Google Pay.

They also use the chip and pin system where you may have to input a pin number rather than just sign a sales slip.

Mastercard and Visa are the most widely accepted credit cards in the Dutch retail space.

American Express tends to be accepted only by major retailers in the Netherlands who have an international client base – although Amex acceptance is growing.

You will not find a wide array of rewards-type cards on the Dutch credit card market, except for American Express Flying Blue and Membership Rewards cards.

In general most people will pay the full balance of their card by direct debit every month. Installment payments can be arranged but you will be charged interest costs.

Note: Credit card names and images above are registered trademarks. You should pay your credit card balance in full every month. As the Dutch say “Let op! Geld lenen kost geld” which basically means “borrowing money costs money”! Terms, conditions and prices can change at any time – please check the card issuers.

We are not offering any financial advice or discussing borrowing interest rates, we are merely describing the main card benefits and features. Credit cards are not available for under 18s.

This article was originally published in 2011 – AmsterdamTips.com was the first site to overview Dutch credit cards in English. Last checked and updated 19 October 2026.

Links on AmsterdamTips.com may pay us an affiliate commission.

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