Head to head · 2026
Platinum Card vs Flying Blue Gold 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 Gold Card is the stronger pick for most expats.
- Monthly fee: €16.50/mo vs €65.00/mo
- Minimum income: €1,667/mo 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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American Express
Our pickFlying Blue Gold Card
Mid-tier Flying Blue card with 1 mile per €1 spend. Includes 30 XP points and 5,000 welcome miles. Good for regular 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.
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
Flying Blue Gold Card
What we like
- 1 mile per €1 (1.5 miles at KLM/AF)
- 5,000 welcome miles
- 30 XP points toward elite status
- Basic travel insurance
What to consider
- €198/year annual fee
- 2.5% foreign transaction fee
- Limited Amex acceptance
- XP points expire if not flying
Frequently asked
Is Platinum Card or Flying Blue Gold Card better for expats in the Netherlands?
Flying Blue Gold Card is the stronger all-round pick for most expats. Monthly fee: €16.50/mo vs €65.00/mo
Which card has lower fees abroad, Platinum Card or Flying Blue Gold Card?
Both charge the same foreign transaction fee: 2.50%.
Do Platinum Card and Flying Blue Gold Card require a BKR credit check?
Platinum Card does not require a BKR credit check, and Flying Blue Gold Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.