Head to head · 2026
Flying Blue Silver Card vs MasterCard Classic
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
MasterCard Classic is the stronger pick for most expats.
- Monthly fee: €3.00/mo vs €6.25/mo
- Foreign transaction fee: 2.00% vs 2.50%
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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ICS
Our pickMasterCard Classic
Budget-friendly true credit card from ICS. Lower annual fee than Visa World Card. Basic protection and worldwide Mastercard acceptance.
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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 Classic
What we like
- Lowest ICS annual fee
- True credit card with credit line
- Worldwide Mastercard acceptance
- Purchase protection
What to consider
- 2% foreign transaction fee
- No rewards
- Basic coverage only
- Requires Dutch income proof
Frequently asked
Is Flying Blue Silver Card or MasterCard Classic better for expats in the Netherlands?
MasterCard Classic is the stronger all-round pick for most expats. Monthly fee: €3.00/mo vs €6.25/mo
Which card has lower fees abroad, Flying Blue Silver Card or MasterCard Classic?
MasterCard Classic is cheaper abroad, with a 2.00% foreign transaction fee.
Do Flying Blue Silver Card and MasterCard Classic require a BKR credit check?
Flying Blue Silver Card does not require a BKR credit check, and MasterCard Classic requires one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.