Head to head · 2026
Gold Card vs ANWB Visa Gold
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 Gold is the stronger pick for most expats.
- Monthly fee: €4.33/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.
Affiliate link — we may earn a commission. Details
ANWB
Our pickANWB Visa Gold
Premium ANWB Visa with 365-day purchase protection and travel insurance. Includes baggage insurance. ANWB membership required. 50% off first year promotion.
Affiliate link — we may earn a commission. Details
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 Gold
What we like
- 365-day purchase protection
- Travel insurance included
- Baggage insurance included
- 50% off first year
- Apple Pay support
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- Higher annual fee than Classic
Frequently asked
Is Gold Card or ANWB Visa Gold better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Monthly fee: €4.33/mo vs €20.00/mo
Which card has lower fees abroad, Gold Card or ANWB Visa Gold?
ANWB Visa Gold is cheaper abroad, with a 2.00% foreign transaction fee.
Do Gold Card and ANWB Visa Gold require a BKR credit check?
Gold Card does not require a BKR credit check, and ANWB Visa Gold requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.