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Ranked on live data · 2026
Best Credit Cards Without a BKR Check in the Netherlands
Most Dutch credit card issuers run a BKR (Bureau Krediet Registratie) check before approving you — a hurdle if you just arrived and have no Dutch credit history. These cards skip the BKR check entirely, which makes them the fastest route to a working credit card as a newcomer.
10 credit cards without a BKR check, ranked
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How we picked
- No BKR credit check required at application
- Ranked on annual fee, foreign transaction fee, and included insurance
- Only cards currently available to residents of the Netherlands
Frequently asked
What is a BKR check and why does it matter for expats?
BKR (Bureau Krediet Registratie) is the Dutch credit registry. Most banks check it before issuing a credit card, and a thin or non-existent Dutch credit file can lead to rejection. Cards without a BKR check look at your current income instead, so newcomers are approved far more often.
Which credit card without a BKR check is best?
Based on current fees and features, Revolut Card ranks first, followed by bunq Credit Card. The ranking weighs annual fee, foreign transaction fees, and included insurance.
Does using a no-BKR credit card build Dutch credit history?
Generally no — cards that skip the BKR check usually also skip registering your limit with BKR. That can be an advantage: a registered credit limit can reduce your maximum mortgage later.