Head to head · 2026
Amex Blue Card vs ANWB Visa Gold
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
ANWB Visa Gold is the stronger pick for most expats.
- Foreign transaction fee: 2.00% vs 2.50%
- Travel insurance: Included vs Not included
American Express
Amex 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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ANWB
Our pickANWB Visa Gold
Premium ANWB Visa with 365-day purchase protection and travel insurance. Includes baggage insurance. ANWB membership required. 50% off first year promotion.
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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.
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
ANWB Visa Gold
What we like
- 365-day purchase protection
- Travel insurance included
- Baggage insurance included
- 50% off first year
- Apple Pay support
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- Higher annual fee than Classic
Frequently asked
Is Amex Blue Card or ANWB Visa Gold better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Foreign transaction fee: 2.00% vs 2.50%
Which card has lower fees abroad, Amex Blue Card or ANWB Visa Gold?
ANWB Visa Gold is cheaper abroad, with a 2.00% foreign transaction fee.
Do Amex Blue Card and ANWB Visa Gold require a BKR credit check?
Amex Blue Card does not require a BKR credit check, and ANWB Visa Gold requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.