Head to head · 2026
Amex Blue Card vs Mastercard Black
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 €18.75/mo
- Minimum income: None stated vs €1,500/mo
- BKR credit check: Not required vs Required
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.
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ICS
Mastercard Black
Premium ICS card with AXA travel insurance, 4 Priority Pass lounge visits per year, and airport fast-track passes.
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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
Mastercard Black
What we like
- 4 Priority Pass lounge visits/year
- 4 airport fast-track passes/year
- Comprehensive AXA travel insurance
- 365-day purchase protection
What to consider
- High annual fee (€225)
- 2% foreign transaction fee
- Limited lounge visits vs Amex
Frequently asked
Is Amex Blue Card or Mastercard Black better for expats in the Netherlands?
Amex Blue Card is the stronger all-round pick for most expats. Monthly fee: €3.00/mo vs €18.75/mo
Which card has lower fees abroad, Amex Blue Card or Mastercard Black?
Mastercard Black is cheaper abroad, with a 2.00% foreign transaction fee.
Do Amex Blue Card and Mastercard Black require a BKR credit check?
Amex Blue Card does not require a BKR credit check, and Mastercard Black requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.