Head to head · 2026
ANWB Visa Gold vs Flying Blue Silver 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 €6.25/mo
- Foreign transaction fee: 2.00% vs 2.50%
- Minimum income: None stated vs €1,500/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 Silver Card
Entry Flying Blue card with first year free. Earn 0.8 miles per €1 and 15 XP points. Good starting point for occasional KLM travelers.
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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 Silver Card
What we like
- First year free (then €75/year)
- 2,500 welcome miles
- 15 XP points toward status
- Lower income requirement
What to consider
- Lower earning rate (0.8 miles/€1)
- 2.5% foreign transaction fee
- Minimal travel benefits
- Limited Amex acceptance
Frequently asked
Is ANWB Visa Gold or Flying Blue Silver 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 €6.25/mo
Which card has lower fees abroad, ANWB Visa Gold or Flying Blue Silver Card?
ANWB Visa Gold is cheaper abroad, with a 2.00% foreign transaction fee.
Do ANWB Visa Gold and Flying Blue Silver Card require a BKR credit check?
ANWB Visa Gold requires a BKR credit check, and Flying Blue Silver Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.