Top pick
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Ranked on live data · 2026
Best Free Credit Cards in the Netherlands
You don’t have to pay a yearly fee to get a working credit card in the Netherlands. These cards charge no annual fee — the ranking then rewards the ones that also stay cheap abroad and still include useful extras.
3 free credit cards, ranked
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Compare the top picks head to head
How we picked
- Strictly €0 annual fee (subscription requirements are noted on the card’s page)
- Ranked on foreign transaction fee and included features
- Availability for expats and newcomers considered
Frequently asked
Are free credit cards really free?
The annual fee is €0, but watch two things: some issuers require a paid account subscription (noted on each card’s page), and foreign transaction fees still apply on most cards when you pay outside the eurozone.
What is the best free credit card in the Netherlands?
Revolut Card is the current top pick among no-annual-fee cards, with bunq Credit Card close behind.
Do free credit cards work for online shopping and travel bookings?
Yes — they are real Visa/Mastercard credit cards accepted online and for hotel or car-rental deposits, which Dutch debit cards often are not.