What is the best Credit Card in the Netherlands?

Top 5 Dutch Credit Cards

Top 5 Dutch Credit Cards

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 13 februari 2024.

In the Netherlands, having both a Debit and Credit Card is highly advantageous. The country is swiftly transitioning to a cashless society, and card payments are widely accepted throughout. However, the acceptance of specific card types may vary depending on your location in the Netherlands. Many tourists struggle with distinguishing between Visa, Mastercard, V-pay, and Maestro cards. To ensure the utmost convenience, it is crucial to select the best Credit Card for your needs in the Netherlands. You can find comprehensive information on this page to assist you in choosing the most suitable Credit Card option.

Check also our Dutch Credit Card FAQ for all answers on your questions.

Top 5 Dutch Credit Cards

Credit CardPrice
MasterCard - Gold Card€ 3,50 / Per Month
Visa - World Card€ 2,50 / Per Month
Mastercard- Classic Card€ 2,50 / Per Month
Visa World Card - Gold€ 3,30 / Per Month
American Express - Green Card€ 6,50 / Per Month

Using a Credit Card in the Netherlands

When it comes to credit cards in the Netherlands, they function similarly to those in other countries. To begin using a credit card (Read our Credit Card Basics), you need to apply for and receive approval from a bank or financial institution. Once approved, you can utilise the card to make purchases at establishments that accept credit cards. Each purchase amount is charged to your credit card account, and it is typically required to make a monthly payment to settle the debt. Additionally, some credit cards offer rewards and benefits, such as cash back or travel points, as incentives for using the card. It’s important to note that the terms and conditions of each credit card, including interest rates, fees, and rewards, vary depending on the issuer. Therefore, it is crucial to compare and carefully review the available options before selecting a credit card.

In different parts of the Netherlands, particularly supermarkets, credit cards may not always be accepted. Instead, the commonly used payment method is Maestro. However, starting from 2024, Mastercard and Visa will also be supported. Notably, in Amsterdam City Center, which attracts a significant number of tourists, credit cards are widely accepted, allowing you to make payments almost anywhere with ease.

Dutch Credit Card Mastercard Gold in Netherlands
Mastercard Gold

Price: € 3,50 / Per Month

Visa World Card Dutch Credit Card
Visa World Card

Price: € 2,50 / Per Month

Dutch Credit Card Amex Green in Netherlands
American Express – Green

Price: € 6,50 / Per Month

Fees on Dutch Credit Cards

When using a Dutch Credit Card in the Netherlands, you will typically enjoy free or commission-free transactions. However, it’s important to understand how Credit Card companies in the Netherlands generate revenue. To learn more about charges and fees, you can refer to the ICS website.

Monthly costs for Dutch Credit Cards are generally either zero or very low (around €3). However, be aware that additional fees may apply when making transactions in different currencies or when withdrawing cash. In such cases, it may be more cost-effective to obtain a Credit Card that is linked to the Dutch payment system. For transactions within the Netherlands, we recommend using your Debit Card, which is always free.

Using your Dutch Credit Card for payments outside the Netherlands often incurs extra charges. The same applies if you use a foreign Credit Card while in the Netherlands, as it may result in additional fees. Lastly, ensure that you pay your Credit Card bill in full at the end of each month to avoid any extra fees. Visa World Card is known in the Netherlands for offering low-cost currency transactions.

What kind of Credit Card does the Netherlands offer?

In the Netherlands we have a variety of different Credit Cards, but due to strict regulations it’s most common to get a Credit Card that charges you monthly. For Dutch usage, this is the most convenient way and won’t charge you anything extra if you pay on time.

Charge: Also known as the most common credit card in the Netherlands. You get a bill every month and just pay the amount that you own the credit card company. Most Visa and Mastercard Credit Cards are usually a charge card. Our recommendations on top of this page are all charge cards.

Prepaid: a less known Credit Card in the Netherlands are Prepaid Credit Cards. You can use the card to buy basically everything and you can buy them online or in store. They come preloaded with the amount you desire and often you find them as well as Prepaid Debit Cards. It’s also an anonymous way of paying. Check our best Prepaid & Go Card here.

Special Credit cards

In the Netherlands we have some popular Credit Cards that are a bit different than your Standard Credit Card. Most of those Credit Cards in the Netherlands come with different programs from companies that don’t specialise in Credit Cards. I will give you some example when it would make sense to apply for a combination deal:

ANWB Creditcard
ANWB (the Royal Dutch Touring Association) is a travelers’ organisation in the Netherlands. They will help you when you have problems with your car and help you follow the way. They offer their subscription model combined with a Credit Card that can give you extra benefits and you collect points for discounts on family trips or travel necessities. Check here for more information.

Charity Credit Cards
You can also choose a Credit Card that doesn’t give you any loyalty programs, but supports a charity or NGO that helps with creating a better world, a well known Credit Card for this is VISA that offers a card that supports the WWF. Find more information here.

Taking a Package deal for your Dutch Banking

In the Netherlands, several traditional banks provide comprehensive banking packages that include a range of services. These packages typically encompass a ‘local’ Debit Card, Credit Card, and the option to add additional features such as investment accounts or retirement plans. While most banks offer package deals, the specific products they include may vary. Our preferred choice, and one that is straightforward to understand, is the combined Debit Card and Credit Card package offered by ABN AMRO.

Cheapest Credit Card in the Netherlands

A cheap Dutch Credit Card is not a bad idea. If you’re on a smaller budget, it makes sense to choose the ‘cleanest’ Credit Card that has the lowest fees and also doesn’t have any point programmes. After reading a the small letters and understanding how much the fee is, we found a Cheap Dutch Credit Cards that is the best fit:

ABN AMRO Credit Card – around 21 euro per year(Mastercard)

Credit check for Dutch Credit Cards

In the Netherlands, we don’t have a Credit Score that we know in the United States. Having a ‘good score’ is not impacting the price for a Credit Card or any other financial services. Although we don’t have a score, the Netherlands has an institution called ‘BKR’ that will check if you are paying your bills on time, or can appoint you as fraudulent. If you just pay you as an agreement prescribes, you won’t get into any trouble. If you don’t pay, banks are less willing to offer you a mortgage, loan or other financial services. You can check your BKR status via: https://www.bkr.nl/jouw-situatie/ (Dutch)

Dutch Credit Card Mastercard Gold in Netherlands
Mastercard Gold

Price: € 3,50 / Per Month

What is the best Credit Card in the Netherlands?

Our conclusion based on the findings above:

Based on our analysis, we have identified the top credit card option in the Netherlands: the MasterCard Gold Credit Card. Through our investigation, we found that the MasterCard Gold Credit Card outperforms its competitors in several key areas, making it the most favourable choice for consumers. With highly competitive interest rates and a transparent fee structure, this credit card offers excellent value and affordability.

One of the standout features of the MasterCard Gold Credit Card is its wide acceptance both domestically and internationally. Whether you’re making purchases within the Netherlands or travelling abroad, this card provides reliable and convenient payment options. Furthermore, the MasterCard Gold Credit Card offers a great rewards program, allowing cardholders to earn attractive benefits with travel points (Airmiles). These rewards can significantly enhance the overall value of using the card for everyday expenses or larger purchases.

In terms of user experience, the MasterCard Gold Credit Card excels with its user-friendly mobile app. This app enables cardholders to easily manage their finances, track transactions, and access account information on the go. Additionally, the credit card issuer provides dedicated customer support, ensuring that any concerns or inquiries are promptly addressed.

Considering the comprehensive research conducted, the MasterCard Gold Credit Card emerges as the optimal choice for individuals seeking a credit card in the Netherlands. Its competitive rates, transparent fees, wide acceptance, and rewarding benefits make it an appealing option for those looking to optimise their financial management and enjoy a seamless payment experience.

Visa World Card Dutch Credit Card
Visa World Card

Price: € 2,50 / Per Month

Introduction of the author: Roger

Roger is a Dutch citizen with experience living and working as an expat in multiple countries. Roger has a deep understanding of the complex Dutch financial landscape and is able to provide insights to help other expats make informed financial decisions.