Head to head · 2026
Gold Card vs Flying Blue Silver 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
Flying Blue Silver Card is the stronger pick for most expats.
- Monthly fee: €6.25/mo vs €20.00/mo
- Minimum income: €1,500/mo 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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American Express
Our pickFlying Blue Silver Card
Entry Flying Blue card with first year free. Earn 0.8 miles per €1 and 15 XP points. Good starting point for occasional KLM travelers.
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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
Flying Blue Silver Card
What we like
- First year free (then €75/year)
- 2,500 welcome miles
- 15 XP points toward status
- Lower income requirement
What to consider
- Lower earning rate (0.8 miles/€1)
- 2.5% foreign transaction fee
- Minimal travel benefits
- Limited Amex acceptance
Frequently asked
Is Gold Card or Flying Blue Silver Card better for expats in the Netherlands?
Flying Blue Silver Card is the stronger all-round pick for most expats. Monthly fee: €6.25/mo vs €20.00/mo
Which card has lower fees abroad, Gold Card or Flying Blue Silver Card?
Both charge the same foreign transaction fee: 2.50%.
Do Gold Card and Flying Blue Silver Card require a BKR credit check?
Gold Card does not require a BKR credit check, and Flying Blue Silver Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.