What is the best Credit Card in the Netherlands?
Best Dutch Credit Cards (2025)
Best Dutch Credit Cards (2025)
Compare the most popular Credit Cards in the Netherlands and choose your favorite Credit Card!
This article is published 1 augustus 2021. Last Updated on 20 december 2024.
Dutch Credit Cards can be confusing for visitors and expats. While the Netherlands is rapidly becoming a cashless society, not all cards are equal. Visa and Mastercard hold the market as they do in most countries, but is using older systems Maestro or V-Pay and therefore your bank card can be refused in the Netherlands.
To help you enjoy a smooth and hassle-free integration in the Netherlands, we’ve created this guide to choosing the perfect credit card for your Dutch adventure. We’ll break down the key differences between card types, analyze fees, rewards programs, and travel benefits, and empower you to make the best choice for your needs.
Check also our Dutch Credit Card FAQ for all answers on your questions.
Top 5 Dutch Credit Cards
| Credit Card | Price | ||
|---|---|---|---|
 | MasterCard - Gold Card | € 3,50 / Per Month | |
 | Visa - World Card Gold | € 4,75 / Per Month | |
 | Mastercard - Classic Card | € 2,50 / Per Month | |
 | Visa World Card - Panda WWF | € 3,30 / Per Month | |
 | American Express - Green Card | € 6,50 / Per Month |
Using a Credit Card in the Netherlands
While credit cards are widely used in the Netherlands, there are a few nuances expats should be aware of. You’ll need to apply and be approved by a Dutch bank or financial institution to get a credit card, just as you would in your home country. Once you have a card, you can use it at most businesses, with each purchase added to your account balance, which you’ll typically pay off monthly (Read our Credit Card Basics). Many Dutch credit cards offer attractive benefits like cashback or travel points, but remember that interest rates, fees, and rewards vary between cards, so compare your options carefully. Take the time to compare your options before making a decision.
One thing that might surprise you is that while credit cards are common, Maestro remains the dominant payment method in many supermarkets. However, Mastercard and Visa acceptance is growing. If you’re living in a major city like Amsterdam, you’ll find that credit cards are widely accepted almost everywhere.
Fees on Dutch Credit Cards
Using your Dutch Credit Card within the Netherlands usually means enjoying the simplicity of free transactions. However, it’s wise to understand how credit card companies here make their money. For a deeper dive into charges and fees, the ICS website is a valuable resource.
While monthly costs for Dutch Credit Cards are generally low or even non-existent, be mindful of potential fees for currency conversions or cash withdrawals. If you frequently travel or shop in different currencies, a Credit Card connected to the Dutch payment system can offer cost savings. For your day-to-day spending within the Netherlands, your Debit Card is your best friend – it’s always free!
Remember, using your Dutch Credit Card abroad or using a foreign Credit Card within the Netherlands can often lead to additional fees. The golden rule to avoid extra charges is to pay your Credit Card bill in full each month. If you’re a frequent traveler, consider the Visa World Card, known for its competitive rates on currency transactions.
By understanding these key points, you can use your Dutch Credit Card effectively and avoid any unexpected costs.
Credit check for Dutch Credit Cards
Unlike the US, the Netherlands doesn’t operate on a credit score system. Your ability to access credit cards or other financial products isn’t tied to a numerical “score.” However, timely bill payments are crucial. The Bureau Krediet Registratie (BKR) keeps tabs on your financial behavior. While maintaining a clean record won’t necessarily earn you rewards, consistent late payments can lead to difficulties securing loans or mortgages in the future. To stay on top of your financial health, you can check your BKR status online at their official website: https://www.bkr.nl/jouw-situatie/ (Dutch)
