Head to head · 2026
ANWB Visa Classic 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.
- 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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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.
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 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 ANWB Visa Classic or MasterCard Classic better for expats in the Netherlands?
MasterCard Classic 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 MasterCard Classic?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Classic and MasterCard Classic require a BKR credit check?
ANWB Visa Classic requires 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.