Head to head · 2026
Gold Card vs ANWB Visa Classic
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
ANWB Visa Classic is the stronger pick for most expats.
- Monthly fee: €2.50/mo vs €20.00/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: None stated vs €1,667/mo
American Express
Gold 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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ANWB
Our pickANWB Visa Classic
ANWB members-only Visa card with 270-day purchase protection. Simple, no-frills card from the Dutch roadside assistance association. BKR check required.
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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
ANWB Visa Classic
What we like
- 270-day purchase protection
- Low annual fee for Visa
- Apple Pay support
- Fraud insurance included
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- No Google Pay support
Frequently asked
Is Gold Card or ANWB Visa Classic better for expats in the Netherlands?
ANWB Visa Classic is the stronger all-round pick for most expats. Monthly fee: €2.50/mo vs €20.00/mo
Which card has lower fees abroad, Gold Card or ANWB Visa Classic?
ANWB Visa Classic is cheaper abroad, with a 2.00% foreign transaction fee.
Do Gold Card and ANWB Visa Classic require a BKR credit check?
Gold Card does not require a BKR credit check, and ANWB Visa Classic requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.