Head to head · 2026
ABN AMRO Credit Card vs Flying Blue Gold 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
ABN AMRO Credit Card is the stronger pick for most expats.
- Monthly fee: €2.55/mo vs €16.50/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: €1,500/mo vs €1,667/mo
ABN AMRO
Our pickABN AMRO Credit Card
Standard Mastercard for ABN AMRO customers. Good English-language support and easy application if you already bank with ABN.
American Express
Flying Blue Gold Card
Mid-tier Flying Blue card with 1 mile per €1 spend. Includes 30 XP points and 5,000 welcome miles. Good for regular KLM travelers.
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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
Flying Blue Gold Card
What we like
- 1 mile per €1 (1.5 miles at KLM/AF)
- 5,000 welcome miles
- 30 XP points toward elite status
- Basic travel insurance
What to consider
- €198/year annual fee
- 2.5% foreign transaction fee
- Limited Amex acceptance
- XP points expire if not flying
Frequently asked
Is ABN AMRO Credit Card or Flying Blue Gold Card better for expats in the Netherlands?
ABN AMRO Credit Card is the stronger all-round pick for most expats. Monthly fee: €2.55/mo vs €16.50/mo
Which card has lower fees abroad, ABN AMRO Credit Card or Flying Blue Gold Card?
ABN AMRO Credit Card is cheaper abroad, with a 2.00% foreign transaction fee.
Do ABN AMRO Credit Card and Flying Blue Gold Card require a BKR credit check?
ABN AMRO Credit Card requires a BKR credit check, and Flying Blue Gold Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.