Head to head · 2026
Green Card vs MasterCard Classic
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 Classic is the stronger pick for most expats.
- Monthly fee: €3.00/mo vs €6.50/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: €1,500/mo vs €1,667/mo
American Express
Green Card
Entry-level Amex for building rewards. First year free, then €78/year. Good if you want to try Membership Rewards without big commitment.
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ICS
Our pickMasterCard Classic
Budget-friendly true credit card from ICS. Lower annual fee than Visa World Card. Basic protection and worldwide Mastercard acceptance.
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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.
Green Card
What we like
- First year free
- 1 MR point per €1 spent
- Basic travel insurance
- Lower income requirement (€20,000)
What to consider
- No lounge access
- 2.5% foreign transaction fee
- Limited Amex acceptance
- Fewer benefits than Gold
MasterCard Classic
What we like
- Lowest ICS annual fee
- True credit card with credit line
- Worldwide Mastercard acceptance
- Purchase protection
What to consider
- 2% foreign transaction fee
- No rewards
- Basic coverage only
- Requires Dutch income proof
Frequently asked
Is Green Card or MasterCard Classic better for expats in the Netherlands?
MasterCard Classic is the stronger all-round pick for most expats. Monthly fee: €3.00/mo vs €6.50/mo
Which card has lower fees abroad, Green Card or MasterCard Classic?
MasterCard Classic is cheaper abroad, with a 2.00% foreign transaction fee.
Do Green Card and MasterCard Classic require a BKR credit check?
Green Card does not require a BKR credit check, and MasterCard Classic requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.