Head to head · 2026
Platinum Card vs ANWB Visa Gold
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
ANWB Visa Gold is the stronger pick for most expats.
- Monthly fee: €4.33/mo vs €65.00/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: None stated vs €2,500/mo
American Express
Platinum Card
The ultimate premium card in the Netherlands. Unlimited Priority Pass lounge access, Privium Plus at Schiphol, €300 dining credit, and comprehensive travel benefits.
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ANWB
Our pickANWB Visa Gold
Premium ANWB Visa with 365-day purchase protection and travel insurance. Includes baggage insurance. ANWB membership required. 50% off first year promotion.
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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.
Platinum Card
What we like
- Unlimited Priority Pass lounge access + 1 guest
- Free Privium Plus membership (Schiphol fast-track)
- €300/year dining credit at 100+ restaurants
- Centurion Lounge access (Schiphol opening 2026)
What to consider
- Very high fee (€780/year)
- 2.5% foreign transaction fee
- Not accepted everywhere in Netherlands
- Requires €36,000 gross annual income
ANWB Visa Gold
What we like
- 365-day purchase protection
- Travel insurance included
- Baggage insurance included
- 50% off first year
- Apple Pay support
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- Higher annual fee than Classic
Frequently asked
Is Platinum Card or ANWB Visa Gold better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Monthly fee: €4.33/mo vs €65.00/mo
Which card has lower fees abroad, Platinum Card or ANWB Visa Gold?
ANWB Visa Gold is cheaper abroad, with a 2.00% foreign transaction fee.
Do Platinum Card and ANWB Visa Gold require a BKR credit check?
Platinum Card does not require a BKR credit check, and ANWB Visa Gold requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.