Head to head · 2026
ANWB Visa Classic vs Mastercard Black
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 Classic is the stronger pick for most expats.
- Monthly fee: €2.50/mo vs €18.75/mo
- Minimum income: None stated vs €1,500/mo
ANWB
Our pickANWB 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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ICS
Mastercard Black
Premium ICS card with AXA travel insurance, 4 Priority Pass lounge visits per year, and airport fast-track passes.
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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
Mastercard Black
What we like
- 4 Priority Pass lounge visits/year
- 4 airport fast-track passes/year
- Comprehensive AXA travel insurance
- 365-day purchase protection
What to consider
- High annual fee (€225)
- 2% foreign transaction fee
- Limited lounge visits vs Amex
Frequently asked
Is ANWB Visa Classic or Mastercard Black better for expats in the Netherlands?
ANWB Visa Classic is the stronger all-round pick for most expats. Monthly fee: €2.50/mo vs €18.75/mo
Which card has lower fees abroad, ANWB Visa Classic or Mastercard Black?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Classic and Mastercard Black require a BKR credit check?
ANWB Visa Classic requires a BKR credit check, and Mastercard Black requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.