Head to head · 2026
ANWB Visa Gold 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.
- Monthly fee: €3.00/mo vs €4.33/mo
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.
Affiliate link — we may earn a commission. Details
ICS
Our pickMasterCard Classic
Budget-friendly true credit card from ICS. Lower annual fee than Visa World Card. Basic protection and worldwide Mastercard acceptance.
Affiliate link — we may earn a commission. Details
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 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 Gold or MasterCard Classic better for expats in the Netherlands?
MasterCard Classic is the stronger all-round pick for most expats. Monthly fee: €3.00/mo vs €4.33/mo
Which card has lower fees abroad, ANWB Visa Gold or MasterCard Classic?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Gold and MasterCard Classic require a BKR credit check?
ANWB Visa Gold 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.