Head to head · 2026
bunq Credit Card 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
bunq Credit Card is the stronger pick for most expats.
- Monthly fee: €0 vs €55.00/mo
- Foreign transaction fee: None vs 2.50%
- Minimum income: None stated vs €2,500/mo
bunq
Our pickbunq Credit Card
Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).
Affiliate link — we may earn a commission. Details
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.
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.
bunq Credit Card
What we like
- No foreign transaction fees (ZeroFX)
- Excellent mobile app
- Instant notifications
- Create instantly in app
What to consider
- Requires bunq subscription (€2.99-18.99/mo)
- No actual credit line (prepaid)
- Must top up before use
- Lower acceptance than Visa/MC
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 bunq Credit Card or Flying Blue Platinum Card better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €55.00/mo
Which card has lower fees abroad, bunq Credit Card or Flying Blue Platinum Card?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do bunq Credit Card and Flying Blue Platinum Card require a BKR credit check?
bunq Credit Card does not require 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.