Head to head · 2026
Mastercard Black vs Revolut 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
Revolut Card is the stronger pick for most expats.
- Monthly fee: €0 vs €18.75/mo
- Foreign transaction fee: None vs 2.00%
- Minimum income: None stated vs €1,500/mo
- BKR credit check: Not required vs Required
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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Revolut
Our pickRevolut Card
Popular fintech card with interbank exchange rates. Free foreign currency exchange up to €1000/month. Great multi-currency app for travelers and 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.
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
Revolut Card
What we like
- No annual fee (Standard plan)
- Interbank exchange rates
- Multi-currency accounts
- Excellent travel features
- €20 welcome bonus
What to consider
- Not a true credit card
- Exchange limits on free tier
- 2% markup on weekends
- Customer support can be slow
Frequently asked
Is Mastercard Black or Revolut Card better for expats in the Netherlands?
Revolut Card is the stronger all-round pick for most expats. Monthly fee: €0 vs €18.75/mo
Which card has lower fees abroad, Mastercard Black or Revolut Card?
Revolut Card is cheaper abroad, with a 0% foreign transaction fee.
Do Mastercard Black and Revolut Card require a BKR credit check?
Mastercard Black requires a BKR credit check, and Revolut Card does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.