Head to head · 2026
Amex Blue Card vs ING Creditcard
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
ING Creditcard is the stronger pick for most expats.
- Monthly fee: €2.00/mo vs €3.00/mo
- Foreign transaction fee: 2.00% 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.
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ING
Our pickING Creditcard
Basic credit card for ING account holders. Earns ING Punten through shopping portal. 365-day purchase protection included.
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
ING Creditcard
What we like
- Low annual fee (€24)
- 365-day purchase protection
- ING Punten rewards program
- Integrates with ING app
What to consider
- 2% foreign transaction fee
- Requires ING current account
- Basic rewards value
- Limited to €5,000 credit limit
Frequently asked
Is Amex Blue Card or ING Creditcard better for expats in the Netherlands?
ING Creditcard is the stronger all-round pick for most expats. Monthly fee: €2.00/mo vs €3.00/mo
Which card has lower fees abroad, Amex Blue Card or ING Creditcard?
ING Creditcard is cheaper abroad, with a 2.00% foreign transaction fee.
Do Amex Blue Card and ING Creditcard require a BKR credit check?
Amex Blue Card does not require a BKR credit check, and ING Creditcard requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.