Head to head · 2026
Amex Blue Card vs Flying Blue Silver 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 €6.25/mo
- Minimum income: None stated vs €1,500/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
Flying Blue Silver Card
Entry Flying Blue card with first year free. Earn 0.8 miles per €1 and 15 XP points. Good starting point for occasional KLM travelers.
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
Flying Blue Silver Card
What we like
- First year free (then €75/year)
- 2,500 welcome miles
- 15 XP points toward status
- Lower income requirement
What to consider
- Lower earning rate (0.8 miles/€1)
- 2.5% foreign transaction fee
- Minimal travel benefits
- Limited Amex acceptance
Frequently asked
Is Amex Blue Card or Flying Blue Silver 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 €6.25/mo
Which card has lower fees abroad, Amex Blue Card or Flying Blue Silver Card?
Both charge the same foreign transaction fee: 2.50%.
Do Amex Blue Card and Flying Blue Silver Card require a BKR credit check?
Amex Blue Card does not require a BKR credit check, and Flying Blue Silver Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.