Head to head · 2026
Amex Blue Card vs 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
Amex Blue Card is the stronger pick for most expats.
- Monthly fee: €3.00/mo vs €20.00/mo
- Minimum income: None stated vs €1,667/mo
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.
Affiliate link — we may earn a commission. Details
American Express
Gold Card
Mid-tier Amex with 4 Priority Pass visits per year, €100 dining credit, and solid rewards earning. Best balance of benefits vs cost.
Affiliate link — we may earn a commission. Details
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.
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
Gold Card
What we like
- 4 Priority Pass lounge visits/year
- €100/year dining credit
- 1 MR point per €1 spent
- Loungebox meals at Schiphol (2x/month)
What to consider
- €240/year annual fee
- 2.5% foreign transaction fee
- Limited Amex acceptance in NL
- Requires €20,000 gross annual income
Frequently asked
Is Amex Blue Card or Gold Card better for expats in the Netherlands?
Amex Blue Card is the stronger all-round pick for most expats. Monthly fee: €3.00/mo vs €20.00/mo
Which card has lower fees abroad, Amex Blue Card or Gold Card?
Both charge the same foreign transaction fee: 2.50%.
Do Amex Blue Card and Gold Card require a BKR credit check?
Amex Blue Card does not require a BKR credit check, and Gold Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.