Head to head · 2026
Amex Blue Card vs N26 Mastercard
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
N26 Mastercard is the stronger pick for most expats.
- Monthly fee: €0 vs €3.00/mo
- Foreign transaction fee: 1.70% 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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N26
Our pickN26 Mastercard
Free debit Mastercard from German neobank N26. Excellent app, no foreign transaction fees in eurozone. Great for everyday spending and travel within Europe.
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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
N26 Mastercard
What we like
- No annual fee
- No fees in eurozone
- Excellent mobile app
- Instant notifications
- Free ATM withdrawals (limited)
What to consider
- Debit card, not true credit
- ATM withdrawal limits on free tier
- 1.7% fee outside eurozone
- No rewards program
Frequently asked
Is Amex Blue Card or N26 Mastercard better for expats in the Netherlands?
N26 Mastercard 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 N26 Mastercard?
N26 Mastercard is cheaper abroad, with a 1.70% foreign transaction fee.
Do Amex Blue Card and N26 Mastercard require a BKR credit check?
Amex Blue Card does not require a BKR credit check, and N26 Mastercard does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.