Head to head · 2026
bunq Credit Card 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
bunq Credit Card is the stronger pick for most expats.
- Monthly fee: €0 vs €6.25/mo
- Foreign transaction fee: None vs 2.50%
- Minimum income: None stated vs €1,500/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).
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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.
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 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 bunq Credit Card or Flying Blue Silver Card better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €6.25/mo
Which card has lower fees abroad, bunq Credit Card or Flying Blue Silver Card?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do bunq Credit Card and Flying Blue Silver Card require a BKR credit check?
bunq Credit Card does not require 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.