Amex Gold Card vs ANWB Visa Classic
Two credit cards for expats in the Netherlands, figure by figure.
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%
| Figure | ||
|---|---|---|
| Monthly fee | €20.00/mo | €2.50/mo (better) |
| Foreign transaction fee | 2.50% | 2.00% (better) |
| Card network | amex | visa |
| Travel insurance | Included (better) | Not included |
| Apple Pay | Supported | Supported |
| Card type | Charge card | Charge card |
| Minimum income | €30,000 gross a year | €1,500 net a month. From work or pension, plus ANWB membership. |
| BKR checked when you apply | Yes | Yes |
| Card registered at BKR | No | No |
| Rate check | Verified 29 October 2026 | Verified 29 October 2026 |
Bold marks the better value in a row. Figures are checked daily against provider sources; each product page shows when its figures were last confirmed.
Amex 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
Questions
Is Amex 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, Amex Gold Card or ANWB Visa Classic?
ANWB Visa Classic is cheaper abroad, with a 2.00% foreign transaction fee.
Do Amex Gold Card and ANWB Visa Classic check or register you at BKR?
Amex Gold Card: BKR is checked when you apply; the card is not registered at BKR. ANWB Visa Classic: BKR is checked when you apply; the card is not registered at BKR.