Head to head · 2026
ANWB Visa Classic 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.
- Travel insurance: Included vs Not included
ANWB
ANWB Visa Classic
ANWB members-only Visa card with 270-day purchase protection. Simple, no-frills card from the Dutch roadside assistance association. BKR check required.
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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.
ANWB Visa Classic
What we like
- 270-day purchase protection
- Low annual fee for Visa
- Apple Pay support
- Fraud insurance included
What to consider
- ANWB membership required
- 2% foreign transaction fee
- No rewards program
- No Google Pay support
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 ANWB Visa Classic or ANWB Visa Gold better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Travel insurance: Included vs Not included
Which card has lower fees abroad, ANWB Visa Classic or ANWB Visa Gold?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Classic and ANWB Visa Gold require a BKR credit check?
ANWB Visa Classic requires 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.