Best for:PremiumTravelLounge Access
The ultimate premium card in the Netherlands. Unlimited Priority Pass lounge access, Privium Plus at Schiphol, €300 dining credit, and comprehensive travel benefits.
The verdict
What we like
- +Unlimited Priority Pass lounge access + 1 guest
- +Free Privium Plus membership (Schiphol fast-track)
- +€300/year dining credit at 100+ restaurants
- +Centurion Lounge access (Schiphol opening 2026)
What to consider
- -Very high fee (€780/year)
- -2.5% foreign transaction fee
- -Not accepted everywhere in Netherlands
- -Requires €36,000 gross annual income
Financial details
Monthly fee€65.00
Foreign transaction fee2.5%
Credit limit€5,000+
Interest-free period54 days
Late payment fee€25
Installment paymentsYes (14.9% interest)
Banking features
Card networkamex
Daily ATM withdrawal limit€1,000
ATM feesFree at Amex ATMs
Contactless paymentsSupported
Apple PaySupported
Google PaySupported
Choose your PINYes
Max cards per account4
Free replacement cardYes
Insurance coverage
Purchase protectionIncluded
Travel insuranceIncluded
Flight delay insuranceIncluded
Baggage insuranceIncluded
Car rental insuranceIncluded
Cancellation insuranceIncluded
Medical insuranceIncluded
Legal assistanceIncluded
Fraud protectionIncluded
24h helplineAvailable
Requirements
Minimum net income€2,500/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. €2,500/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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