Head to head · 2026
ANWB Visa Gold 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 Gold is the stronger pick for most expats.
- Monthly fee: €4.33/mo vs €18.75/mo
- 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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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 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
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 Gold or Mastercard Black better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Monthly fee: €4.33/mo vs €18.75/mo
Which card has lower fees abroad, ANWB Visa Gold or Mastercard Black?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Gold and Mastercard Black require a BKR credit check?
ANWB Visa Gold 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.