Head to head · 2026
Amex Blue Card vs bunq Credit 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
bunq Credit Card is the stronger pick for most expats.
- Monthly fee: €0 vs €3.00/mo
- Foreign transaction fee: None vs 2.50%
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.
Affiliate link — we may earn a commission. Details
bunq
Our pickbunq Credit Card
Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).
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
bunq Credit Card
What we like
- No foreign transaction fees (ZeroFX)
- Excellent mobile app
- Instant notifications
- Create instantly in app
What to consider
- Requires bunq subscription (€2.99-18.99/mo)
- No actual credit line (prepaid)
- Must top up before use
- Lower acceptance than Visa/MC
Frequently asked
Is Amex Blue Card or bunq Credit Card better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €3.00/mo
Which card has lower fees abroad, Amex Blue Card or bunq Credit Card?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do Amex Blue Card and bunq Credit Card require a BKR credit check?
Amex Blue Card does not require a BKR credit check, and bunq Credit Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.