Flying Blue milesUpdated 27 February 2026

American Express

Flying Blue Gold Card

Monthly fee

€16.50

Foreign fees

2.5%

Insurance

Included

Network

amex

Affiliate link — we may earn a commission. Details

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

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.

Affiliate link — we may earn a commission. Details

Monthly fee

€16.50/mo

Affiliate link — we may earn a commission. Details

You'll need your BSN and proof of income

Quick facts

Provider

American Express

Rewards

Flying Blue miles

Tap to pay

Contactless ready

Compare other cards

Keep exploring

Other cards you might like

bunq

bunq Credit Card

No fee

€0

per month

Digital-first credit card included with bunq subscription. No foreign transaction fees with ZeroFX. Functions more like a prepaid card (no credit line).

Foreign fees

None

Rewards

None

Apple Pay

Yes

Insurance

None

American Express

Amex Blue Card

€3.00

per month

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.

Foreign fees

2.5%

Rewards

None

Apple Pay

Yes

Insurance

Included

American Express

Flying Blue Platinum Card

€55.00

per month

Top-tier Flying Blue card earning 1.5 miles per €1 (2 miles at KLM/Air France). 60 XP points toward elite status, plus comprehensive travel insurance.

Foreign fees

2.5%

Rewards

Flying Blue miles

Apple Pay

Yes

Insurance

Included

View all credit cards