Best for:First AMEXLow CostEveryday
Entry-level American Express card with basic insurance. 54 interest-free days and both Apple Pay and Google Pay support. Good starting point for Amex.
Rates last verified: 27 February 2026
The verdict
What we like
- +54 interest-free days
- +Apple Pay and Google Pay
- +Basic insurance included
- +Lower fee than Green Card
What to consider
- -2.5% foreign transaction fee
- -No rewards program
- -Limited Amex acceptance in NL
- -Basic coverage only
Financial details
Monthly fee€3.00
Foreign transaction fee2.5%
Credit limit€1,000+
Interest-free period54 days
Banking features
Card networkamex
ATM feesNot specified
Contactless paymentsSupported
Apple PaySupported
Google PaySupported
Choose your PINYes
Max cards per account1
Free replacement cardNo
Insurance coverage
Purchase protectionIncluded
Travel insuranceNot included
Flight delay insuranceNot included
Baggage insuranceNot included
Car rental insuranceNot included
Cancellation insuranceNot included
Medical insuranceNot included
Legal assistanceNot included
Fraud protectionIncluded
24h helplineNot available
Requirements
BKR credit checkNot required
Delivery time7 business days
You will typically need: Dutch address, BSN number, valid ID/passport, and proof of income (payslip or employment contract).
How to apply
1
Gather your documents
Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income ready.
2
Start the application
Visit American Express's website and fill in the online application form. This typically takes 5–10 minutes.
3
Identity verification
Your identity will be verified. No BKR credit check is needed for this card.
4
Receive your card
Your card will arrive within 7 business days by post. Activate it online or via the app.
Quick facts
Provider
American Express
Tap to pay
Contactless ready