Head to head · 2026
Gold Card vs ING Creditcard
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
ING Creditcard is the stronger pick for most expats.
- Monthly fee: €2.00/mo vs €20.00/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: €1,000/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.
Affiliate link — we may earn a commission. Details
ING
Our pickING Creditcard
Basic credit card for ING account holders. Earns ING Punten through shopping portal. 365-day purchase protection included.
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
ING Creditcard
What we like
- Low annual fee (€24)
- 365-day purchase protection
- ING Punten rewards program
- Integrates with ING app
What to consider
- 2% foreign transaction fee
- Requires ING current account
- Basic rewards value
- Limited to €5,000 credit limit
Frequently asked
Is Gold Card or ING Creditcard better for expats in the Netherlands?
ING Creditcard is the stronger all-round pick for most expats. Monthly fee: €2.00/mo vs €20.00/mo
Which card has lower fees abroad, Gold Card or ING Creditcard?
ING Creditcard is cheaper abroad, with a 2.00% foreign transaction fee.
Do Gold Card and ING Creditcard require a BKR credit check?
Gold Card does not require a BKR credit check, and ING Creditcard requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.