Head to head · 2026
Flying Blue Gold 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
Flying Blue Silver Card is the stronger pick for most expats.
- Monthly fee: €6.25/mo vs €16.50/mo
- Minimum income: €1,500/mo vs €1,667/mo
American Express
Flying Blue Gold Card
Mid-tier Flying Blue card with 1 mile per €1 spend. Includes 30 XP points and 5,000 welcome miles. Good for regular KLM travelers.
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American Express
Our pickFlying 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.
Flying Blue Gold Card
What we like
- 1 mile per €1 (1.5 miles at KLM/AF)
- 5,000 welcome miles
- 30 XP points toward elite status
- Basic travel insurance
What to consider
- €198/year annual fee
- 2.5% foreign transaction fee
- Limited Amex acceptance
- XP points expire if not flying
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 Flying Blue Gold Card or Flying Blue Silver Card better for expats in the Netherlands?
Flying Blue Silver Card is the stronger all-round pick for most expats. Monthly fee: €6.25/mo vs €16.50/mo
Which card has lower fees abroad, Flying Blue Gold Card or Flying Blue Silver Card?
Both charge the same foreign transaction fee: 2.50%.
Do Flying Blue Gold Card and Flying Blue Silver Card require a BKR credit check?
Flying Blue Gold 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.