Head to head · 2026
Amex Blue Card vs Visa World Card 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
Visa World Card 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.
Affiliate link — we may earn a commission. Details
ICS
Our pickVisa World Card Gold
Upgraded Visa with 365-day purchase protection and basic travel insurance. Good middle-ground for regular 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
Visa World Card Gold
What we like
- 365-day purchase protection
- Travel insurance included
- Interest on positive balance (bonus 0.5% until May 2026)
- Higher coverage limits
What to consider
- 2% foreign transaction fee
- Higher annual fee than basic card
- Same credit limit as basic card
Frequently asked
Is Amex Blue Card or Visa World Card Gold better for expats in the Netherlands?
Visa World Card 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 Visa World Card Gold?
Visa World Card Gold is cheaper abroad, with a 2.00% foreign transaction fee.
Do Amex Blue Card and Visa World Card Gold require a BKR credit check?
Amex Blue Card does not require a BKR credit check, and Visa World Card Gold requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.