Head to head · 2026
ANWB Visa Gold vs bunq Credit 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
bunq Credit Card is the stronger pick for most expats.
- Monthly fee: €0 vs €4.33/mo
- Foreign transaction fee: None vs 2.00%
- BKR credit check: Not required vs Required
ANWB
ANWB 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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bunq
Our pickbunq Credit Card
Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).
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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 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
bunq Credit Card
What we like
- No foreign transaction fees (ZeroFX)
- Excellent mobile app
- Instant notifications
- Create instantly in app
What to consider
- Requires bunq subscription (€2.99-18.99/mo)
- No actual credit line (prepaid)
- Must top up before use
- Lower acceptance than Visa/MC
Frequently asked
Is ANWB Visa Gold or bunq Credit Card better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €4.33/mo
Which card has lower fees abroad, ANWB Visa Gold or bunq Credit Card?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do ANWB Visa Gold and bunq Credit Card require a BKR credit check?
ANWB Visa Gold requires a BKR credit check, and bunq Credit Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.