Head to head · 2026
Gold Card vs bunq Credit 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
bunq Credit Card is the stronger pick for most expats.
- Monthly fee: €0 vs €20.00/mo
- Foreign transaction fee: None 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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bunq
Our pickbunq Credit Card
Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).
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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
bunq Credit Card
What we like
- No foreign transaction fees (ZeroFX)
- Excellent mobile app
- Instant notifications
- Create instantly in app
What to consider
- Requires bunq subscription (€2.99-18.99/mo)
- No actual credit line (prepaid)
- Must top up before use
- Lower acceptance than Visa/MC
Frequently asked
Is Gold Card or bunq Credit Card better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €20.00/mo
Which card has lower fees abroad, Gold Card or bunq Credit Card?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do Gold Card and bunq Credit Card require a BKR credit check?
Gold Card does not require a BKR credit check, and bunq Credit Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.