Head to head · 2026
Gold Card vs Mastercard Black
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
Mastercard Black is the stronger pick for most expats.
- Monthly fee: €18.75/mo vs €20.00/mo
- Foreign transaction fee: 2.00% vs 2.50%
- 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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ICS
Our pickMastercard Black
Premium ICS card with AXA travel insurance, 4 Priority Pass lounge visits per year, and airport fast-track passes.
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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
Mastercard Black
What we like
- 4 Priority Pass lounge visits/year
- 4 airport fast-track passes/year
- Comprehensive AXA travel insurance
- 365-day purchase protection
What to consider
- High annual fee (€225)
- 2% foreign transaction fee
- Limited lounge visits vs Amex
Frequently asked
Is Gold Card or Mastercard Black better for expats in the Netherlands?
Mastercard Black is the stronger all-round pick for most expats. Monthly fee: €18.75/mo vs €20.00/mo
Which card has lower fees abroad, Gold Card or Mastercard Black?
Mastercard Black is cheaper abroad, with a 2.00% foreign transaction fee.
Do Gold Card and Mastercard Black require a BKR credit check?
Gold Card does not require a BKR credit check, and Mastercard Black requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.