Head to head · 2026
Gold Card vs Platinum 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
Gold Card is the stronger pick for most expats.
- Monthly fee: €20.00/mo vs €65.00/mo
- Minimum income: €1,667/mo vs €2,500/mo
American Express
Our pickGold Card
Mid-tier Amex with 4 Priority Pass visits per year, €100 dining credit, and solid rewards earning. Best balance of benefits vs cost.
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American Express
Platinum Card
The ultimate premium card in the Netherlands. Unlimited Priority Pass lounge access, Privium Plus at Schiphol, €300 dining credit, and comprehensive travel benefits.
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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.
Gold Card
What we like
- 4 Priority Pass lounge visits/year
- €100/year dining credit
- 1 MR point per €1 spent
- Loungebox meals at Schiphol (2x/month)
What to consider
- €240/year annual fee
- 2.5% foreign transaction fee
- Limited Amex acceptance in NL
- Requires €20,000 gross annual income
Platinum Card
What we like
- Unlimited Priority Pass lounge access + 1 guest
- Free Privium Plus membership (Schiphol fast-track)
- €300/year dining credit at 100+ restaurants
- Centurion Lounge access (Schiphol opening 2026)
What to consider
- Very high fee (€780/year)
- 2.5% foreign transaction fee
- Not accepted everywhere in Netherlands
- Requires €36,000 gross annual income
Frequently asked
Is Gold Card or Platinum Card better for expats in the Netherlands?
Gold Card is the stronger all-round pick for most expats. Monthly fee: €20.00/mo vs €65.00/mo
Which card has lower fees abroad, Gold Card or Platinum Card?
Both charge the same foreign transaction fee: 2.50%.
Do Gold Card and Platinum Card require a BKR credit check?
Gold Card does not require a BKR credit check, and Platinum Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.