Head to head · 2026
ABN AMRO Credit Card vs Amex Blue Card
How these two credit cards stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
Amex Blue Card is the stronger pick for most expats.
- Minimum income: None stated vs €1,500/mo
- BKR credit check: Not required vs Required
ABN AMRO
ABN AMRO Credit Card
Standard Mastercard for ABN AMRO customers. Good English-language support and easy application if you already bank with ABN.
American Express
Our pickAmex Blue Card
Entry-level American Express card with basic insurance. 54 interest-free days and both Apple Pay and Google Pay support. Good starting point for Amex.
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Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
ABN AMRO Credit Card
What we like
- Easy if you have ABN AMRO account
- 180-day purchase protection
- English portal and support
- Travel delay insurance
What to consider
- 2% foreign transaction fee
- No rewards program
- Requires €1,500/month net income
- Must have ABN AMRO account
Amex Blue Card
What we like
- 54 interest-free days
- Apple Pay and Google Pay
- Basic insurance included
- Lower fee than Green Card
What to consider
- 2.5% foreign transaction fee
- No rewards program
- Limited Amex acceptance in NL
- Basic coverage only
Frequently asked
Is ABN AMRO Credit Card or Amex Blue Card better for expats in the Netherlands?
Amex Blue Card is the stronger all-round pick for most expats. Minimum income: None stated vs €1,500/mo
Which card has lower fees abroad, ABN AMRO Credit Card or Amex Blue Card?
ABN AMRO Credit Card is cheaper abroad, with a 2.00% foreign transaction fee.
Do ABN AMRO Credit Card and Amex Blue Card require a BKR credit check?
ABN AMRO Credit Card requires a BKR credit check, and Amex Blue Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.