Head to head · 2026
ANWB Visa Gold vs ING Creditcard
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.
- Travel insurance: Included vs Not included
- Minimum income: None stated vs €1,000/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.
Affiliate link — we may earn a commission. Details
ING
ING Creditcard
Basic credit card for ING account holders. Earns ING Punten through shopping portal. 365-day purchase protection included.
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
ING Creditcard
What we like
- Low annual fee (€24)
- 365-day purchase protection
- ING Punten rewards program
- Integrates with ING app
What to consider
- 2% foreign transaction fee
- Requires ING current account
- Basic rewards value
- Limited to €5,000 credit limit
Frequently asked
Is ANWB Visa Gold or ING Creditcard better for expats in the Netherlands?
ANWB Visa Gold is the stronger all-round pick for most expats. Travel insurance: Included vs Not included
Which card has lower fees abroad, ANWB Visa Gold or ING Creditcard?
Both charge the same foreign transaction fee: 2.00%.
Do ANWB Visa Gold and ING Creditcard require a BKR credit check?
ANWB Visa Gold requires a BKR credit check, and ING Creditcard requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.