Head to head · 2026
bunq Credit Card vs Visa World 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 €3.58/mo
- Foreign transaction fee: None vs 2.00%
- Minimum income: None stated vs €1,500/mo
- BKR credit check: Not required vs Required
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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ICS
Visa World Card
The most popular credit card in the Netherlands. Worldwide Visa acceptance with 180-day purchase protection. A solid starter card for expats.
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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
Visa World Card
What we like
- 180-day purchase protection
- Worldwide Visa acceptance
- Interest on positive balance above €500
- Apple Pay and contactless payments
What to consider
- 2% foreign transaction fee
- No rewards program
- Requires €1,500/month net income
Frequently asked
Is bunq Credit Card or Visa World Card better for expats in the Netherlands?
bunq Credit Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €3.58/mo
Which card has lower fees abroad, bunq Credit Card or Visa World Card?
bunq Credit Card is cheaper abroad, with a 0% foreign transaction fee.
Do bunq Credit Card and Visa World Card require a BKR credit check?
bunq Credit Card does not require a BKR credit check, and Visa World Card requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.