Head to head · 2026
ANWB Visa Gold vs Flying Blue Platinum 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
ANWB Visa Gold is the stronger pick for most expats.
- Monthly fee: €4.33/mo vs €55.00/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: None stated vs €2,500/mo
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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American Express
Flying Blue Platinum Card
Top-tier Flying Blue card earning 1.5 miles per €1 (2 miles at KLM/Air France). 60 XP points toward elite status, plus comprehensive travel insurance.
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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
Flying Blue Platinum Card
What we like
- 1.5 miles per €1 (2 miles at KLM/AF)
- 10,000 welcome miles
- 60 XP points toward elite status
- Comprehensive travel insurance
What to consider
- High fee (€660/year)
- 2.5% foreign transaction fee
- Best value only for KLM frequent flyers
- Requires €30,000 gross annual income
Frequently asked
Is ANWB Visa Gold or Flying Blue Platinum Card better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Monthly fee: €4.33/mo vs €55.00/mo
Which card has lower fees abroad, ANWB Visa Gold or Flying Blue Platinum Card?
ANWB Visa Gold is cheaper abroad, with a 2.00% foreign transaction fee.
Do ANWB Visa Gold and Flying Blue Platinum Card require a BKR credit check?
ANWB Visa Gold requires a BKR credit check, and Flying Blue Platinum Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.