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Credit cards
Credit Cards
18 cardsFrom no-fee basics to premium travel cards with lounge access. All available to expats in the Netherlands.
18 cards available
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A
ANWB Visa Classic
ANWB
Fee/mo
€2.50
FX
2%
Rewards
—
- Best for anwb members
- Contactless & Apple Pay
- Insurance included
Expat tip: Credit vs. Debit in the Netherlands
Most Dutch stores accept debit cards (Maestro/V Pay) but not always credit cards. A credit card is essential for online shopping, travel bookings, and car rentals. Many expats keep a Dutch debit card for daily use and a credit card for everything else.
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Common questions
Can expats get a credit card in the Netherlands?
Yes! Most Dutch banks and card issuers accept expats. You'll typically need a BSN, Dutch address, and proof of income. Some cards are easier to get approved for than others.
Which credit cards have no annual fee?
The bunq Credit Card has no fee (though it requires a bunq subscription). The ING Creditcard is €24/year, which is among the lowest for traditional banks.
Do I need Dutch credit history for a credit card?
Not necessarily. Some issuers focus more on your current income and employment. Digital banks like bunq are often easier for newcomers.
What are foreign transaction fees on Dutch credit cards?
Most Dutch cards charge 2-2.5% for non-euro transactions. bunq charges 0% with ZeroFX included in their subscription. American Express cards charge 2.5%.