Best for:TravelRewardsDining
Mid-tier Amex with 4 Priority Pass visits per year, €100 dining credit, and solid rewards earning. Best balance of benefits vs cost.
Rates last verified: 27 February 2026
The verdict
What we like
- +4 Priority Pass lounge visits/year
- +€100/year dining credit
- +1 MR point per €1 spent
- +Loungebox meals at Schiphol (2x/month)
What to consider
- -€240/year annual fee
- -2.5% foreign transaction fee
- -Limited Amex acceptance in NL
- -Requires €20,000 gross annual income
Financial details
Monthly fee€20.00
Foreign transaction fee2.5%
Credit limit€3,000+
Interest-free period54 days
Late payment fee€20
Installment paymentsYes (14.9% interest)
Banking features
Card networkamex
Daily ATM withdrawal limit€500
ATM fees€4 per withdrawal
Contactless paymentsSupported
Apple PaySupported
Google PaySupported
Choose your PINYes
Max cards per account2
Free replacement cardYes
Insurance coverage
Purchase protectionIncluded
Purchase protection deductible€50
Travel insuranceIncluded
Flight delay insuranceNot included
Baggage insuranceNot included
Car rental insuranceNot included
Cancellation insuranceNot included
Medical insuranceIncluded
Legal assistanceNot included
Fraud protectionIncluded
24h helplineAvailable
Requirements
Minimum net income€1,667/month
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 (min. €1,667/month) 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
Rewards
Membership Rewards points
Tap to pay
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