Best for:KLM RegularMilesTravel
Mid-tier Flying Blue card with 1 mile per €1 spend. Includes 30 XP points and 5,000 welcome miles. Good for regular KLM travelers.
Rates last verified: 27 February 2026
The verdict
What we like
- +1 mile per €1 (1.5 miles at KLM/AF)
- +5,000 welcome miles
- +30 XP points toward elite status
- +Basic travel insurance
What to consider
- -€198/year annual fee
- -2.5% foreign transaction fee
- -Limited Amex acceptance
- -XP points expire if not flying
Financial details
Monthly fee€16.50
Foreign transaction fee2.5%
Credit limit€3,000+
Interest-free period54 days
Late payment fee€15
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 cardNo
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 insuranceNot included
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
Flying Blue miles
Tap to pay
Contactless ready