Head to head · 2026
Flying Blue Silver Card vs Mastercard Black
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 €18.75/mo
- BKR credit check: Not required vs Required
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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ICS
Mastercard Black
Premium ICS card with AXA travel insurance, 4 Priority Pass lounge visits per year, and airport fast-track passes.
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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 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
Mastercard Black
What we like
- 4 Priority Pass lounge visits/year
- 4 airport fast-track passes/year
- Comprehensive AXA travel insurance
- 365-day purchase protection
What to consider
- High annual fee (€225)
- 2% foreign transaction fee
- Limited lounge visits vs Amex
Frequently asked
Is Flying Blue Silver Card or Mastercard Black 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 €18.75/mo
Which card has lower fees abroad, Flying Blue Silver Card or Mastercard Black?
Mastercard Black is cheaper abroad, with a 2.00% foreign transaction fee.
Do Flying Blue Silver Card and Mastercard Black require a BKR credit check?
Flying Blue Silver Card does not require a BKR credit check, and Mastercard Black requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.