Membership Rewards pointsUpdated 2 August 2026

American Express

Gold Card

Monthly fee

€20.00

Foreign fees

2.5%

Insurance

Included

Network

amex

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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: 2 August 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

Gather your documents

Have your BSN number, valid ID or passport, proof of Dutch address, and proof of income (min. €1,667/month) ready.

Start the application

Visit American Express's website and fill in the online application form. This typically takes 5–10 minutes.

Identity verification

Your identity will be verified. No BKR credit check is needed for this card.

Receive your card

Your card will arrive within 7 business days by post. Activate it online or via the app.

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Monthly fee

€20.00/mo

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You'll need your BSN and proof of income

Quick facts

Provider

American Express

Rewards

Membership Rewards points

Tap to pay

Contactless ready

Compare other cards

Head to head

Compare Gold Card

See how Gold Card stacks up head-to-head against other cards expats in the Netherlands consider.

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