BKR & Credit Registration
Everything about the Dutch credit registration bureau: what it records, for how long, and what your rights are.
What is the BKR and what exactly does it register?+
The BKR (Bureau Krediet Registratie) is an independent foundation that records the credit obligations of people in the Netherlands: credit cards with a credit facility, revolving credit, personal loans and mortgages. Only credit forms above a certain threshold are registered — a regular current account or a prepaid credit card without a credit function is not registered with the BKR.
How long does a BKR registration remain visible?+
A normal, trouble-free registration usually disappears 5 years after the credit is paid off. In the case of payment arrears, that 5-year period only starts once the arrears have been resolved — the longer arrears last, the longer the registration stays visible.
What do BKR codes like A, H, 1, 2 and 3 mean?+
In short: a numeric code (1, 2 or 3) indicates the severity of payment arrears, code H means previous arrears have been resolved, and code A indicates a special arrangement such as an agreed repayment plan. Check the exact, current codes on mijnbkr.nl, as BKR regularly modernises this system.
Can I view my own BKR registration?+
Yes, for free. Via mijnbkr.nl you can request an overview of everything registered about you, including any codes.
Can a BKR registration be removed before the standard term ends?+
Only if the registration is demonstrably incorrect, for example due to an error by the credit provider. A correct registration cannot be removed early — companies that promise this for a fee are often unreliable.
Does a rejected credit card application count towards my BKR?+
No, the application itself does not lead to a registration if you are rejected — a BKR entry is only created once you have actually opened a credit facility.
What do I need to apply for a credit card?+
For prepaid cards such as Revolut, N26 or Bunq, a valid ID is enough. For credit cards with a BKR check, such as the Visa World Card, a minimum income also applies — for this card, for example, €1,150 net per month. See the steps in our applying for a credit card guide.
How quickly can I get a credit card without much paperwork?+
With Revolut, N26 and Bunq you can typically activate a card within 10 to 15 minutes via the app, with just a scan of your ID. Traditional banks and credit cards with a BKR check usually take longer due to the income check.
Is every credit card application checked against the BKR?+
No, only cards with an actual credit facility are checked, such as the Visa World Card, ABN AMRO Gold Card and ANWB Visa Gold. Prepaid cards such as Revolut, N26, Bunq, Trade Republic, Wallester, Moss and Qonto X Card don't run a BKR check because there's no credit risk.
Can I apply for a credit card if I have a negative BKR registration?+
Yes, you can almost always turn to BKR-free options such as N26 Smart, Revolut Standard or Bunq Mastercard, since these providers don't run a BKR check at all. A regular credit card with a BKR check will likely be rejected if you have a negative registration.
What minimum income do I need for the Visa World Card?+
ICS's Visa World Card requires a net monthly income of at least €1,150. If you don't meet this, BKR-free alternatives such as N26 Smart or Revolut Standard, which have no income requirement, are an option.
What income is required for the Flying Blue AMEX Gold?+
The Flying Blue AMEX Gold requires a minimum gross annual salary of €30,000. This is considerably higher than an entry-level card like the Visa World Card, which fits the premium nature and travel benefits of this card.
Can I get a business credit card as a freelancer without a payslip?+
Yes, fintech providers such as Moss, Qonto and Wallester don't ask for a payslip and don't run a BKR check for their business cards. The Knab Business Visa does require a Knab Business Account business account and a Chamber of Commerce (KVK) registration, but no traditional income check like a personal credit card.
How long does a credit card application at a traditional bank usually take?+
At banks such as ABN AMRO, ING and Rabobank, the application usually takes longer than at fintechs, because a BKR check and income check are carried out. Expect several extra business days compared to the 10-15 minutes digital providers need.
Will my business credit card application be rejected without a business track record?+
The AMEX Business Gold requires at least 2 years of business history, so a starting freelancer will often be rejected. Alternatives such as the Knab Business Visa, Moss Mastercard or Qonto X Card don't impose this requirement and are more accessible for startups.
Can I apply for several credit cards at once without harming my BKR score?+
A rejected application doesn't itself lead to a BKR registration, so multiple applications don't technically harm your BKR score directly. Still, it's wiser to compare carefully first and apply specifically for the one card that truly fits you.
Is it easier to apply for a credit card at my own bank than at an external provider?+
Often, yes: the ABN AMRO Gold Card, for example, is only available to existing ABN AMRO customers, and the Knab Business Visa requires a Knab Business Account business account. With an existing banking relationship, the approval process can go faster and more smoothly than with a completely new provider.
What documents does Knab ask for the Knab Business Visa?+
You need a Knab Business Account business account and a valid Chamber of Commerce (KVK) registration — without these two, you can't apply for the card. There's no separate BKR check, since this card, as a business product, falls outside that personal credit registration.
Safety & Fraud
What to do in case of loss, theft or fraud, and what your rights are.
What should I do if my credit card is lost or stolen?+
Block the card immediately via the app or your provider's 24/7 phone number. Then request a replacement card right away. Report suspicious transactions as soon as possible — the sooner you report, the stronger your position when reclaiming money.
Am I legally liable for fraud on my credit card?+
In most cases your own liability for fraud is limited to a maximum of €150, provided you report the fraud as soon as possible and were not grossly negligent (such as writing down your PIN somewhere). If you report in time, the bank usually covers the full loss.
How long does a chargeback procedure typically take?+
Expect 2 to 8 weeks, depending on the card issuer and whether the merchant disputes the claim. Visa and Mastercard use similar timeframes; American Express often handles chargebacks somewhat faster through its own internal process.
How do I recognise phishing targeting my credit card details?+
Your bank will never ask by email, text message or phone for your full card number, CVV code or login codes. Never click links in unexpected messages about 'suspicious activity' — always go directly to the app or official website.
Is it safe to save my credit card details with webshops?+
With large, reputable webshops that have a valid SSL certificate this is relatively safe, because they don't store your full card details themselves but a tokenised version via the payment provider. Avoid this with unknown or small webshops.
What is the difference in protection between physical card fraud and online fraud?+
With physical card fraud (skimming), the question is often whether you handled your PIN carefully. With online fraud (card-not-present), the burden of proof usually lies with the webshop or merchant, which often makes chargeback easier for online purchases than for physical skimming fraud.
What is 3D Secure and why do I sometimes need to complete it during an online purchase?+
3D Secure is an extra verification step for online payments, where you prove you're really the cardholder using a code or app confirmation. This requirement comes from European PSD2 legislation and protects you against unauthorized use of your credit card details.
Is a virtual credit card safer than a physical card?+
A virtual credit card reduces the risk of skimming and card loss, since there's no physical object that can be stolen, and you can often generate one-time or temporary card numbers for specific online purchases. Read more in our virtual credit card explainer.
What should I do if I see an unfamiliar charge on my credit card statement?+
Report it immediately via your provider's app or customer service and dispute the transaction. A chargeback procedure usually takes 2 to 8 weeks, and the sooner you report it, the greater your chance of getting the amount back.
Can I request a chargeback if a webshop doesn't deliver?+
Yes, this falls under the delivery guarantee that's included as standard with, for example, the Visa World Card. Report the non-delivery to your card issuer, who will then reclaim the amount from the webshop via the Visa or Mastercard network.
Does a prepaid credit card offer the same fraud protection as a credit card?+
Largely, yes, though it varies by provider: Bunq, for example, promises immediate reimbursement in confirmed fraud cases. Note that prepaid cards usually don't have separate purchase protection, which is unrelated to fraud protection but is relevant in a dispute with a webshop.
How do I prevent fraud with my credit card while traveling?+
Use Apple Pay or Google Pay instead of the physical card wherever possible, since these use an encrypted, one-time code per transaction instead of your actual card number. Also turn on real-time transaction alerts in the app so you notice any suspicious activity immediately.
Do I get real-time notifications for every transaction with my credit card?+
With digital providers such as Revolut, N26 and Bunq, you get a push notification by default for every transaction via the app. With some traditional banks, you may need to enable this separately in the bank app's settings.
Can I temporarily block my credit card via the app without cancelling it entirely?+
Yes, with almost all modern providers you can temporarily block and unblock the card with a single tap in the app, for example if you've lost it or suspect it's been stolen. This isn't a cancellation — as soon as you find it again, you simply reactivate the card.
What's the difference in fraud protection between Visa, Mastercard and American Express?+
All three networks offer similar basic protection against unauthorized use, but American Express often handles chargebacks slightly faster through its own internal process than Visa or Mastercard. The practical difference lies mainly in the speed of handling, not the level of protection.
How do I recognize a fraudulent 'BKR removal' scam?+
Companies that promise to remove a legitimate BKR registration for a fee are almost always untrustworthy — a correct registration simply cannot be removed prematurely. For a free overview of your own registration, always go to the official website mijnbkr.nl.
Cancelling & Switching
How to properly cancel your credit card and switch to another provider.
How do I cancel my credit card?+
This can usually be done directly via the app or your provider's customer portal. With traditional providers (ABN AMRO, ING, Rabobank) written cancellation or phone contact is sometimes required. Make sure the outstanding balance is €0 before the cancellation is finally processed.
What happens to my accumulated points or miles if I cancel?+
This varies strongly per provider: with some cards (such as Flying Blue AMEX) unused miles expire immediately upon cancellation, with others points remain valid for a limited period. So always use or redeem your points before you finally cancel.
Do I need to fully pay off my credit card before I can cancel?+
Yes, an outstanding balance must always be fully repaid first. Some providers do accept the cancellation request already, but the card remains active until the balance reaches zero.
Can I switch to another credit card provider free of charge?+
Yes, there are no legal switching costs for credit cards in the Netherlands, unlike for example mortgages. Do watch out for any remaining annual fees that the old provider won't refund if you cancel partway through the year.
How long does it take before a cancellation is finally processed?+
Usually 1 to 4 weeks, depending on the provider. Always request written confirmation of the cancellation, so you have proof in case an annual fee is still charged.
Does cancelling a credit card affect my BKR registration?+
With a normally cancelled card without arrears, the registration disappears automatically after the standard term of usually 5 years — cancelling itself has no negative effect on your credit score, provided everything has been properly paid off.
Credit Limit & Spending Room
How your limit is determined, increasing or lowering it, and its effect on other applications.
How is my credit card limit determined?+
Providers look at your net monthly income, existing financial obligations (visible via the BKR) and your living situation. Digital cards such as Revolut and N26 often work with a fixed, lower limit regardless of income; traditional cards such as ICS and ABN AMRO set the limit individually, usually between €1,500 and €7,500.
Can I have my credit limit increased later?+
Yes, most providers offer this via the app or customer portal, often after a new income check. Some increase it automatically after a period of paying on time.
What happens if I exceed my credit limit?+
The transaction is usually declined once you reach the limit. With some traditional cards a small overrun may be allowed, at an extra cost or higher interest on the excess amount.
Does the credit limit differ between a credit card and revolving credit?+
Yes. With a credit card the limit is intended for daily use and you generally repay (part of it) monthly. Revolving credit often has a higher limit and is intended for larger, longer-term financing needs, with a different interest structure.
Can I lower my own credit limit (temporarily)?+
With most digital providers this can be done directly in the app, for example to limit your own spending. With traditional banks this usually requires written contact.
Does an unused credit limit count when applying for a mortgage?+
Yes, potentially. Mortgage lenders sometimes take the full granted credit limit into account when determining your maximum mortgage, even the part you don't use — so it's wise to have an unnecessarily high limit lowered before a mortgage application.
Supplementary Cards & Family Use
Adding extra cardholders, age limits and liability.
What is a supplementary card and how do I request one?+
A supplementary card is a second credit card on the same account, usually for a partner or family member, requestable via the app or customer portal of your main card.
From what age can someone get a supplementary card?+
This varies per provider, but is usually between 16 and 18 years old. Some digital banks such as N26 and Revolut already offer specific youth variants from age 16.
Who is liable for expenses made with a supplementary card?+
The main cardholder remains financially responsible for all expenses, including those of the supplementary cardholder — the supplementary card falls under the same account and the same credit.
Does a supplementary card cost extra annual fees?+
Often a lower amount than the main card, for example half, but with a number of digital providers a supplementary card is free.
Can I set the spending limit of a supplementary card separately?+
Many modern, digital providers allow this, so the supplementary cardholder gets their own, lower sub-limit within the total credit limit. With traditional cards, the main and supplementary card usually simply share the same limit.
Can I block a supplementary card without blocking the main card?+
Yes, this can always be done independently, both via the app and by phone with the provider.
Apple Pay, Google Pay & Contactless Payments
Setting up digital wallets, security, and contactless limits in the Netherlands.
How do I set up my credit card with Apple Pay or Google Pay?+
Add the card via the Wallet app (Apple) or Google Wallet app, scan the card details or enter them manually, and confirm with a verification code from your card issuer.
Is paying with Apple Pay or Google Pay safer than the physical card?+
Yes, generally safer: your phone never shares your real card number with the shop, but uses an encrypted, one-time code (tokenisation) per transaction.
What is the contactless payment limit in the Netherlands?+
Without a PIN, a limit per transaction applies in the Netherlands, usually around €50, and after a number of consecutive contactless payments the terminal will still ask for your PIN. Check the exact, current amount, as this is periodically adjusted.
Does Apple Pay work with every credit card provider in the Netherlands?+
No, not every provider supports this. Most major players such as AMEX, ICS, Revolut, N26 and Bunq do; check with smaller or newer providers in advance whether Apple Pay or Google Pay support is available.
What happens to Apple Pay or Google Pay if I block my physical card?+
This depends on the provider: with some the digital version is automatically blocked as well, with others the digital card remains separately usable until you also remove it from the wallet app.
Can I also make credit card payments with my smartwatch?+
Yes, both Apple Watch and most Wear OS smartwatches support contactless payments once the card is added to the corresponding wallet app.
Complaints & Consumer Protection
Where to go with a dispute, and what supervisory authorities arrange for you.
Where can I file a complaint about my credit card provider?+
Always file a complaint with the provider itself first. If you don't reach a resolution, you can go to Kifid (Klachteninstituut Financiële Dienstverlening), the independent dispute resolution body for the financial sector in the Netherlands.
What is Kifid and when do I involve them?+
Kifid handles disputes between consumers and financial institutions, after you have first complained to the provider without result. The ruling is binding for the provider.
Who supervises credit card providers in the Netherlands?+
The AFM (Autoriteit Financiële Markten) supervises conduct towards consumers, and De Nederlandsche Bank (DNB) supervises the financial soundness of providers.
What is PSD2 and what does it mean for you as a cardholder?+
PSD2 is European legislation that, among other things, requires stronger identity verification for online payments — hence for example 3D Secure verification — and makes it easier for you to securely share payment data with other financial apps.
How much does it cost to file a complaint with Kifid?+
Consumers pay a relatively low own-contribution fee to have a complaint processed. Check the current amount on kifid.nl.
What are my rights if a provider rejects my application?+
You have the right to a substantiated reason for rejection, and the right to view your own BKR data if it played a role in the assessment.
Credit Card vs. Loan vs. Revolving Credit
A broader view: how does the credit card compare to other forms of financing.
What is the difference between a credit card and a personal loan?+
A personal loan is a fixed amount paid out at once at a fixed interest rate and fixed term. A credit card is flexible credit that you can keep reusing once you repay, without a fixed end date.
What is the difference between a credit card and revolving credit?+
Both are flexible, but revolving credit is usually intended for larger amounts at a lower interest rate than a credit card, while a credit card is mainly aimed at daily payments and often offers an interest-free period when paid off in full.
Which form of credit is cheaper: a credit card or a personal loan?+
With full, timely repayment a credit card is often cheaper due to the interest-free period. If you structurally build up debt, a personal loan with a fixed, lower interest rate is usually more advantageous than the 14-20% that credit cards charge.
When is a credit card a better choice than a loan?+
For short-term, recurring expenses such as travel or online purchases that you can pay off within a month, plus when you want to make use of extra benefits such as cashback, insurance and miles.
Does a credit card limit count as heavily towards the BKR as a loan?+
Yes, both are registered as a form of credit with the BKR and both count in the assessment of your borrowing capacity for future applications, regardless of whether you actually use the full limit.
Can I use a loan to pay off my credit card debt?+
Yes, this is called refinancing and can be advantageous if the loan's interest rate, often 6-10%, is lower than the credit card interest rate of 14-20% — saving you on total interest costs.
How SmartCreditcard Works
Transparency about how we work, how we make money, and how cards are selected.
How does SmartCreditcard make money?+
We sometimes receive a commission from card providers when you apply for a credit card through our site. This never costs you, as a visitor, anything extra — the annual fees and terms of the card remain exactly the same.
Does using the comparison tool cost money?+
No, the comparison tool, AI wizard and all information on SmartCreditcard are completely free to use.
How does SmartCreditcard select which credit cards are shown?+
We include both cards we have an affiliate relationship with and cards without such a relationship, so the overview remains a representative picture of the Dutch market rather than only the highest-paying providers.
Does an affiliate fee influence the order of cards in the comparison tool?+
No, the ranking in the comparison tool and AI wizard is based on how well a card fits your entered situation, not on the amount of any fee.
How often is the information on SmartCreditcard updated?+
We continuously check and update rates, terms and card features, so the comparison stays as current as possible.
Can I suggest a credit card myself to be added to the comparison?+
Yes, via the contact page you can suggest a card that's still missing — we review every suggestion for inclusion.
Comparing Credit Cards
Practical tips for comparing credit cards fairly, beyond the marketing spin.
What's the best way to compare credit cards?+
Start by looking at the annual fee (ranging from €0 for Revolut Standard to €780 for the AMEX Platinum Card), whether a BKR check is required, and which card network you need — Visa and Mastercard are accepted almost everywhere, while American Express is accepted by only around 85% of merchants. Then use the best credit card guide, our explainer on which credit card should I choose, or the free AI comparison tool to filter cards based on your personal situation.
What exactly should I pay attention to when comparing credit cards?+
The four most important comparison points are: the annual fee, whether a BKR check and income requirement apply (such as €1,150 net per month for the Visa World Card), which insurances are included, and the interest-free period for deferred payments. A card that looks cheap on paper but doesn't include purchase protection can end up costing more in practice than a card with a higher annual fee.
Is a free credit card just as good as a paid credit card?+
That depends on what you need: free cards such as Revolut Standard, Bunq Mastercard, N26 Mastercard and Moss Mastercard have no annual fee but usually also no purchase protection or travel insurance. Paid cards such as the Visa World Card (€43/year, 365 days of purchase protection) or the AMEX Gold Card (€240/year, Membership Rewards) do include these extras, which can justify the annual fee.
What's the difference between Visa, Mastercard and American Express when comparing credit cards?+
Visa and Mastercard can be used almost everywhere worldwide and form the basis of most Dutch bank and fintech cards. American Express (AMEX Platinum, AMEX Gold, Flying Blue AMEX Gold) often offers stronger rewards and lounge access, but is accepted by only around 85% of shops and webshops in the Netherlands and abroad.
How many credit cards does SmartCreditcard actually compare?+
SmartCreditcard compares 60 credit cards from more than 20 different providers, ranging from traditional banks such as ABN AMRO, ING and Rabobank to fintechs such as Revolut, N26, Bunq, Trade Republic and Qonto. The overview is continuously updated with the latest rates and terms.
Can I compare credit cards without triggering a BKR check?+
Yes, comparing cards itself never affects your BKR record — a check only happens when you actually apply for a card with a credit facility. Cards such as N26 Smart, Revolut Standard and Bunq Mastercard don't run a BKR check at all, so you can compare and apply for these without any risk to your credit record.
Is it wise to apply for several credit cards at once to see which one is best?+
No, that's unnecessary and can be inconvenient if you end up opening several credit facilities at the same time. Compare thoroughly first using the card overviews or the AI comparison tool, and only then apply for the card that best fits your situation.
Which free tool can I use to find the best credit card for my situation?+
SmartCreditcard's AI comparison tool and wizard are completely free: you fill in your situation in two minutes (traveler, student, freelancer, with or without BKR) and receive a ranked recommendation from the full database of 60 cards. The ranking is based on how well a card fits your situation, not on affiliate commission.
Should I compare credit cards on annual fees or on the benefits offered?+
Both, but together: a RaboCard at €15 per year is fine if you only want to pay by card occasionally, while a Knab Business Visa at €38 per year with automatic VAT splitting and 180 days of purchase protection offers more value to a freelancer than the price difference suggests. So always look at the cost per feature you'll actually use.
What's the difference between comparing a credit card on price versus on value?+
Comparing on price simply means choosing the lowest annual fee, like the free Revolut Standard. Comparing on value takes into account what you get back: the AMEX Platinum costs €780 per year, but for a frequent flyer who regularly uses its 1,400+ lounges and free Privium Plus, that investment can easily pay for itself.
How often should I compare my credit card against other providers?+
Do this at least once a year, especially since the fintech provider market (Revolut, N26, Bunq, Trade Republic, Moss, Qonto) changes quickly and new, often cheaper or BKR-free options regularly appear. There are no switching costs for credit cards in the Netherlands, so switching effectively costs you nothing.
Do annual fees matter more than interest when comparing credit cards?+
For anyone who always pays off the full balance on time, the annual fee matters most, since you'll never pay interest thanks to the interest-free period (for example, 21 days with the Visa World Card). For anyone who occasionally carries a balance, the interest rate — which can run up to an effective 20-25% per year — weighs far more heavily than a few euros' difference in annual fee.
The Best Credit Card For...
Our recommendations by situation — from students to business travellers.
What's the best credit card for students in 2026?+
The four best student cards are Revolut Standard and Bunq Mastercard (both free), N26 Smart (€4.90/month) and N26 You (€9.90/month) — all without a BKR check and without an income requirement. See the full comparison in our credit card for students guide.
What's the best credit card for freelancers?+
The Knab Business Visa (€38/year) is the most tailored choice: business and personal spending are kept separate, VAT is split automatically, and it includes 180 days of purchase protection plus legal assistance. If you'd rather avoid an annual fee, N26 Business Mastercard (free) or Moss Mastercard (free, no annual fee) are solid alternatives.
What's the best credit card for travel?+
For luxury and lounge access, the AMEX Platinum (€780/year, 1,400+ lounges, free Privium Plus) is the top choice. If you want full travel insurance without a BKR check, N26 You (€119/year, Allianz insurance, free worldwide ATM withdrawals) is a stronger option, and for KLM miles, Flying Blue AMEX Gold (€198/year) is the best pick.
What's the best credit card without a BKR check?+
The top credit cards without a BKR check are N26 Smart, Revolut Standard, Bunq Mastercard and Trade Republic Visa card. These are all prepaid cards from European fintechs that carry no credit risk and therefore don't run a BKR check — see our credit card without BKR guide.
What's the best business credit card for a sole proprietorship?+
The Knab Business Visa comes out on top thanks to the separation between personal and business spending, automatic VAT splitting and 180 days of purchase protection, although it does require a Chamber of Commerce (KVK) registration and a Knab Business Account business account. Without that requirement, N26 Business Mastercard (free) is an accessible alternative.
What's the best completely free credit card in the Netherlands?+
Revolut Standard, Bunq Mastercard, N26 Mastercard, N26 Business Mastercard, Wallester Business Card, Moss Mastercard and Qonto X Card all cost €0 per year. Revolut Standard is the most complete option for individuals thanks to €1,000 per month in free currency exchange and payments in 150+ currencies.
What's the best credit card for renting a car abroad?+
For car rental you often need a 'real' credit card, not a debit card — thanks to its credit BIN, Bunq Mastercard is recognized as a credit card by far more rental companies than standard prepaid cards. Traditional credit cards such as the ANWB Visa Gold (with European roadside assistance) or the Visa World Card also work reliably with car rental companies.
What's the best credit card for cashback or getting money back?+
True cashback credit cards are rare in the Netherlands; most rewards run through points systems. American Express is the biggest player with its Membership Rewards program (AMEX Gold Card, AMEX Platinum), and the ANWB Visa Gold offers concrete cashback on fuel at ANWB stations.
What's the best premium or luxury credit card in the Netherlands?+
The AMEX Platinum Card (€780/year) is the most complete premium card, with 1,400+ lounges, free Privium Plus at Schiphol and comprehensive travel and cancellation insurance. A cheaper alternative that also offers top-tier insurance is ICS's Visa World Card Platinum (€175/year).
What's the best credit card for earning KLM Flying Blue miles?+
The Flying Blue AMEX Gold (€198/year) is specifically designed for this: you earn 1 mile per euro spent, 1.5 miles with KLM and Air France, get a welcome bonus of 5,000 miles, and build up 30 Experience Points per year toward status.
What's the best credit card for large companies or corporates?+
American Express Corporate and the AMEX Business Gold are aimed at larger organizations with extensive company management tools and travel insurance. For teams with multiple employees who need spending control per team member, the Soldo Mastercard (€72/year) is a specialized alternative.
What's the best credit card for young people from age 16?+
N26 and Revolut offer specific youth variants from age 16, with no BKR check and no income requirement. See the details in the credit card for young people guide.
What's the best credit card for combining investing and everyday spending?+
The Trade Republic Visa card is the most logical choice for this: it's completely free and linked to the Trade Republic investment app, so you can invest and make daily payments from the same account.
What's the best credit card for sustainable or socially responsible spending?+
Bunq Mastercard plants a tree for every €100 you spend, and the ASN Bank Creditcard (€36/year) is linked to a bank that puts its revenue toward sustainable and social causes. Both are good options if sustainability plays a role in your card choice.
What's the best credit card if I have a negative BKR registration?+
N26 Smart, Revolut Standard and Bunq Mastercard don't run a BKR check, so a negative registration is no obstacle for these cards. Keep in mind, though, that these cards also don't build up a new, positive credit history, so they don't resolve the underlying BKR issue — only your immediate payment needs.
Card vs. Card Comparisons
Direct comparisons between specific cards and providers.
What's the difference between Revolut and N26?+
Revolut Standard is completely free with €1,000 per month in free currency exchange and payments in 150+ currencies, while N26 Smart (€59/year) and N26 You (€119/year) focus more on 0% exchange rate markup and (with N26 You) a complete Allianz travel insurance package. Both require no BKR check and can be activated within 10-15 minutes via the app.
Is AMEX Platinum better than ICS's Visa World Card Platinum?+
The AMEX Platinum (€780/year) offers more exclusive extras such as 1,400+ lounges and free Privium Plus, but is accepted at only around 85% of merchants. The Visa World Card Platinum (€175/year) is considerably cheaper, also offers top-tier insurance, and is accepted almost everywhere thanks to the Visa network.
What's the difference between Bunq and Revolut?+
Bunq Mastercard sets itself apart with a sustainable concept (a tree for every €100 spent) and a credit BIN that makes the card more widely recognized as a 'real' credit card, for example for car rental. Revolut Standard focuses more on international payments with €1,000 per month in free exchange and extra features such as crypto and stocks in the app.
Is the Knab Business Visa better than the N26 Business Mastercard for freelancers?+
The Knab Business Visa (€38/year) offers more functionality specifically for entrepreneurs, such as automatic VAT splitting and legal assistance, but requires a Knab Business Account business account. The N26 Business Mastercard is free and more accessible, but lacks these business extras.
What's the difference between the AMEX Gold Card and the Flying Blue AMEX Gold?+
The AMEX Gold Card (€240/year) revolves around Membership Rewards points and 2 lounge visits per year, while the Flying Blue AMEX Gold (€198/year) is specifically focused on earning KLM miles: 1 mile per €1, 1.5 with KLM and Air France. Choose the latter if you mainly fly with KLM, the former for broader lounge and points benefits.
Is the ABN AMRO Creditcard better than the ING Creditcard?+
Both are comparable basic cards for existing customers of the respective bank, with the ABN AMRO Creditcard at €36 per year versus €35 per year for the ING Creditcard. The practical difference lies mainly in integration with your existing bank account, not so much in price or features.
What's the difference between the RaboCard and the Rabo GoldCard?+
The RaboCard (€15/year) is Rabobank's affordable basic card, while the Rabo GoldCard (€30/year) offers more benefits for travelers at a higher annual fee. Both require a BKR check when applying.
Is Trade Republic a good alternative to Revolut?+
The Trade Republic Visa card, like Revolut, is completely free and requires no BKR check, but sets itself apart through its direct link to the Trade Republic investment app. For purely international payments and currency exchange, Revolut remains more broadly useful with €1,000/month in free exchange.
What's the difference between the ANWB Visa Gold and ANWB Visa Silver?+
The ANWB Visa Gold Card (€52/year) explicitly includes European roadside assistance, travel insurance and cashback on ANWB fuel. The ANWB Visa Silver Card (€40/year) is a simpler, cheaper variant for drivers with less extensive benefits.
Is Moss better than Wallester for business use with no annual fee?+
Both cost €0 per year and require no BKR check. Moss Mastercard positions itself as a smart expense solution with no annual fee, while Wallester Business Card specifically targets fintech companies that need a free business Visa card — so the choice depends on which platform best fits your business operations.
What's the difference between AMEX Business Gold and American Express Corporate?+
AMEX Business Gold (€225/year) is aimed at freelancers and SMEs with 4 points per €1 in top categories, but requires at least 2 years of business history. American Express Corporate (€60/year) is designed for larger organizations with many employees and extensive company management.
Is N26 You better than AMEX Platinum for travelers without BKR?+
N26 You (€119/year) requires no BKR check and offers complete Allianz travel insurance with cancellation coverage up to €10,000, while the AMEX Platinum (€780/year) does involve a BKR check but offers far more extensive lounge and lifestyle benefits. For anyone who wants to travel without a BKR check, N26 You is the more logical choice.
What's the difference between the Visa World Card and the ICS Mastercard?+
Both are entry-level cards from ICS at €43 (Visa World Card) and €36 (ICS Mastercard) per year, with similar terms. The practical difference lies in the card network — Visa versus Mastercard — which mainly matters for acceptance in specific shops or countries.
Is Bunq Mastercard better than N26 Mastercard for students?+
Both are free and require no BKR check. Bunq stands out with sub-accounts and a credit BIN for car rental, while N26 Mastercard is set up more simply and fits well if you're also considering N26 Smart or N26 You later on.
What's the difference between the ING Creditcard and the ING Goud Mastercard?+
The ING Creditcard (€35/year) is the regular basic card, while the ING Goud Mastercard (€43/year) is a more extensive gold card with more benefits for a relatively small price premium.
Is the ABN AMRO Gold Card better than the Rabo GoldCard?+
Both cost roughly the same — €43 for the ABN AMRO Gold Card versus €30 for the Rabo GoldCard — and offer travel insurance plus purchase protection. The difference lies mainly in which bank you already have a relationship with, since both cards are primarily intended for existing customers.
What's the difference between Soldo and Qonto for business team cards?+
Soldo Mastercard (€72/year) is specifically positioned around team cards and spending control per employee, while Qonto X Card (€0) offers a free alternative with adjustable spending limits per card, linked to a Qonto business account.
Is the Visa World Card Business Gold better than the ICS Business Mastercard?+
The Visa World Card Business Gold (€154/year) is a premium business gold card for professionals with more extensive benefits, while the ICS Business Mastercard (€45/year) is a simpler, cheaper basic business card. The choice depends on how many business extras you actually need.
What's the difference between the ASN Bank Creditcard and the RaboCard?+
The ASN Bank Creditcard (€36/year) stands out for the bank's sustainable and socially responsible approach, while the RaboCard (€15/year) is purely an affordable basic card with no specific sustainability profile. Both require a BKR check when applying.
Is the Everest Business Card worth trying compared to American Express Corporate?+
The Everest Business Card (€240/year) is more expensive than American Express Corporate (€60/year), but both target corporates. Everest doesn't run a BKR check (prepaid), while American Express Corporate does — an important difference if BKR registration plays a role in your business operations.
New in 2026
The latest developments in the Dutch credit card market.
What's new in the Dutch credit card market in 2026?+
The market for credit cards without a BKR check has grown further: alongside established names like Revolut, N26 and Bunq, providers such as Trade Republic, Wallester, Moss and Qonto now offer similar BKR-free cards, often with €0 annual fees. SmartCreditcard now compares 60 cards, up from a smaller selection a few years ago.
Have new credit cards without a BKR check been added in 2026?+
Yes, alongside the well-known N26, Revolut and Bunq cards, additions include the Trade Republic Visa card, Wallester Business Card, Moss Mastercard and Qonto X Card — all prepaid or business cards without a BKR check and without an annual fee.
How many credit cards does SmartCreditcard compare in 2026?+
SmartCreditcard currently compares 60 credit cards, ranging from traditional bank cards to modern fintech solutions, and the data is continuously updated to stay as current as possible.
Are there business credit cards without an annual fee available in 2026?+
Yes, Moss Mastercard, Wallester Business Card, Qonto X Card and N26 Business Mastercard are all free business cards with no annual fee and no BKR check, aimed at freelancers and small businesses that don't want to pay for their payment method.
Which new providers, besides the traditional banks, can be found in the comparison tool?+
Alongside ABN AMRO, ING, Rabobank, ICS and ANWB, the comparison tool now also includes fintech and investment-focused providers such as Trade Republic, Everest, Wallester, Moss, Soldo and Qonto, which mainly target private investors and business users.
Has applying for a credit card without paperwork become the norm?+
With digital providers, yes: Revolut, N26, Bunq and Trade Republic let you activate a card within 10 to 15 minutes via the app, with only a valid ID required. At traditional banks such as ABN AMRO, ING and Rabobank, the application process still involves a more extensive income and BKR check.
Which providers offer a metal premium credit card in 2026?+
N26 offers premium metal cards with the N26 Metal (€203/year) and N26 Business Metal (€203/year), aimed at users who want a more luxurious look and more extensive insurance alongside the standard features.
Is American Express still accepted at a limited number of places in the Netherlands in 2026?+
Yes, AMEX cards such as the AMEX Platinum and AMEX Gold Card are still accepted at around 85% of shops and webshops, compared to near-universal acceptance for Visa and Mastercard. Keep this in mind if you're considering AMEX as your only card.
Is credit card interest still as high in 2026 as before?+
The effective annual interest rate on most Dutch credit cards still ranges between 10% and 25%, with ING and ABN AMRO around 14% and fintech cards such as Revolut and N26 around 14.99%. You only pay this interest if you don't pay off the outstanding balance in full before the due date.
Costs & Terms
Annual fees, interest rates and terms explained clearly.
How much interest do I pay if I don't pay off my credit card balance on time?+
Expect an effective annual interest rate between 10% and 25%, depending on the provider. ING and ABN AMRO typically charge around 14%, fintech cards like Revolut and N26 around 14.99%, and ICS's Visa World Card charges 10% on deferred repayments.
What's the most expensive credit card in the Netherlands on the comparison tool?+
The AMEX Platinum Card is the most expensive card in the comparison at €780 per year, followed by the N26 Metal and N26 Business Metal at €203 per year each. In return, you get a package of lounges, insurance and lifestyle services.
What's the cheapest paid credit card in the Netherlands?+
The RaboCard is the cheapest paid credit card in the comparison at €15 per year, followed by the Knab Creditcard (€28/year) and the ANWB Visa Classic Card (€29/year).
Are there hidden costs with free credit cards like Revolut or N26?+
The main hidden cost is a weekend exchange rate markup, which both Revolut Standard and N26 cards can charge outside their regular free exchange limit. In addition, these free cards usually don't include purchase protection, which can become an indirect 'cost' if something goes wrong with a purchase.
What does a business credit card cost on average?+
Prices vary widely: Moss Mastercard, Wallester Business Card and Qonto X Card are completely free, while regular business cards from banks such as the ING Business Creditcard (€60/year) and Rabo BusinessCard (€60/year) sit in the middle range. At the top is the Everest Business Card for corporates at €240 per year.
What is the interest-free period on a credit card?+
This is the period during which you pay no interest if you pay off your full balance on time — with ICS's Visa World Card, for example, this is 21 days. If you pay after this period, the regular interest rate (10% for this card) starts running on the outstanding amount.
Do I pay interest if I pay off my credit card in full every month?+
No, as long as you repay the full outstanding amount within the interest-free period (usually around 21 days, as with the Visa World Card), you pay no interest. Interest is only charged on amounts still outstanding after that period.
What's a realistic monthly cost for a premium travel credit card?+
N26 Smart costs €4.90 per month, N26 You €9.90 per month, and the AMEX Platinum works out to roughly €65 per month (€780/year). What's realistic for you depends on how much you actually travel and use lounges or insurance.
Do annual fees for credit cards in the Netherlands vary greatly by provider?+
Yes, enormously: from €0 for Revolut Standard, Bunq Mastercard and Moss Mastercard to €780 for the AMEX Platinum Card. That's a difference of almost €800 per year between the cheapest and most expensive option in the comparison.
What extra do I pay if I use my credit card abroad on weekends?+
With some digital providers such as Revolut and N26, an additional exchange rate markup can apply on weekends, on top of your normal free exchange limit. So plan large foreign purchases for weekdays if you want to avoid this markup.
Is credit card interest higher than on a personal loan?+
Yes, considerably: credit cards typically charge 14-20% effective interest, while personal loans are usually between 6% and 10%. For short-term use that's paid off in full, a credit card is usually still cheaper thanks to the interest-free period.
What's the cost difference between a charge card and a credit card?+
With a charge card, such as the AMEX Platinum, AMEX Gold Card or AMEX Business Gold, you generally have to pay off the full amount each month, so in practice you pay no ongoing interest but often a higher annual fee. With a credit card, such as the Visa World Card, you can carry part of the balance at interest, which offers more flexibility but also carries an interest rate risk.
International & Travel
Everything about paying, withdrawing cash and insurance abroad.
Which credit card has no exchange rate markup abroad?+
N26 Smart and N26 You charge 0% exchange rate markup worldwide, and Revolut Standard offers up to €1,000 per month in free currency exchange. Bunq Mastercard charges no exchange fees within the eurozone.
How much do I save with 0% exchange rate markup on a €2,000 trip?+
A standard Dutch credit card charges 1.5% to 2.5% exchange rate markup on foreign transactions, which works out to €30 to €50 on €2,000 in spending. With a card like N26 Smart with a 0% markup, you save that amount entirely.
Which credit card is best for renting a car abroad?+
Many rental companies only accept 'real' credit cards for the deposit, not every prepaid card. Thanks to its credit BIN, Bunq Mastercard is widely recognized as a credit card, and traditional credit cards such as the Visa World Card or ANWB Visa Gold (with European roadside assistance) work reliably too.
Can I pay with my credit card just as easily outside Europe as within Europe?+
Visa and Mastercard are accepted almost everywhere worldwide, including outside Europe. American Express (AMEX Platinum, AMEX Gold Card) has a lower acceptance rate of around 85%, so outside Europe it's ideal to also carry a Visa or Mastercard as a backup.
Which travel insurance is included with the AMEX Platinum?+
The AMEX Platinum includes comprehensive travel and cancellation insurance, alongside access to 1,400+ lounges worldwide and free Privium Plus at Schiphol. This makes it one of the most complete travel cards in the comparison.
Does N26 You include cancellation insurance?+
Yes, N26 You (€119/year) offers a complete travel insurance package through Allianz, including cancellation coverage up to €10,000, alongside free worldwide ATM withdrawals and 0% exchange rate markup — all without a BKR check.
Is the ANWB Visa Gold Card only worthwhile for ANWB members?+
Largely, yes: the key benefits, such as European roadside assistance and cashback at ANWB fuel stations, are mainly valuable if you're already an ANWB member. For non-members, other travel cards such as N26 You or the Visa World Card generally offer more general value.
Can I travel just as easily with a prepaid credit card as with a credit card?+
For most payments, yes, but for hotel reservations and car rental, prepaid cards can sometimes be treated as a debit card rather than a credit card, with more limited guarantees. Bunq is an exception here thanks to its credit BIN.
Which credit card is best for earning Flying Blue miles while traveling?+
The Flying Blue AMEX Gold is specifically designed for this: 1 mile per euro spent, 1.5 miles with KLM and Air France, and a welcome bonus of 5,000 miles upon approval.
What does travel insurance cost on average if I don't have a travel credit card?+
A standalone annual travel insurance policy typically costs €150 to €400 per year, while cards such as the AMEX Platinum, AMEX Gold Card or N26 You already include this coverage as standard in the annual fee. For frequent travelers, this can make a real difference.
Is Bunq a good option for travel within the eurozone?+
Yes, Bunq Mastercard charges no exchange fees within the eurozone and, thanks to its credit BIN, has broader acceptance among rental companies and hotels than an average prepaid card. Outside Europe, acceptance is more limited, so another card may sometimes be wiser there.
Which credit card offers roadside assistance during a road trip in Europe?+
The ANWB Visa Gold Card (€52/year) explicitly includes European roadside assistance, alongside travel insurance and cashback at ANWB fuel stations. The cheaper ANWB Visa Silver (€40/year) and ANWB Visa Classic (€29/year) are simpler variants aimed at drivers, with less extensive benefits than the Gold version.
Business Use
Credit cards for freelancers and business owners, from costs to accounting integrations.
Which business credit card is completely free?+
Moss Mastercard, Wallester Business Card, Qonto X Card and N26 Business Mastercard all cost €0 per year and require no BKR check, making them attractive for startups and freelancers.
What's the difference between the Knab Business Visa and a free business fintech card?+
The Knab Business Visa costs €38 per year but in return offers automatic VAT splitting, 180 days of purchase protection and legal assistance. Free cards such as Moss or Wallester lack these extras, but are ideal if you're just looking for a simple payment method with no annual fee.
Can a business credit card automatically split VAT for me?+
Yes, the Knab Business Visa automatically splits VAT on every transaction, which significantly simplifies your bookkeeping. This is one of the few cards in the comparison with this specific feature.
Is a business credit card mandatory as a freelancer?+
No, it's not a legal requirement, but it is practical for separating business and personal expenses. Free options such as N26 Business Mastercard make this separation accessible without requiring you to incur any costs right away.
Which business credit card is suitable for teams with multiple employees?+
The Soldo Mastercard (€72/year) is specifically designed for team cards and spending control per employee, and Qonto X Card likewise offers adjustable spending limits per card with real-time expense management. Both are suitable if you want to give several employees their own payment card.
What's the difference between American Express Business Green and AMEX Business Gold?+
American Express Business Green (€50/year) is the entry-level card for business use with a points program, while AMEX Business Gold (€225/year) offers 4 points per €1 in top categories, comprehensive travel insurance and company management tools — but requires at least 2 years of business history.
Does my sole proprietorship need a Chamber of Commerce (KVK) registration for a business credit card?+
For the Knab Business Visa, a KVK registration is indeed required. Fintech alternatives such as Moss, Qonto and Wallester also usually require a registered business, but generally apply less strict additional requirements than traditional banks.
What's the most expensive business credit card on the comparison tool?+
The Everest Business Card is the most expensive business card in the comparison at €240 per year, aimed at corporates that need premium business features.
Can I manage business expenses with Moss Mastercard without an annual fee?+
Yes, Moss Mastercard costs €0 per year and is explicitly positioned as a smart solution for business expenses with no annual fee and no BKR check.
Is a business AMEX just as limited in acceptance as a personal AMEX?+
Yes, business AMEX cards such as AMEX Business Gold and American Express Corporate are also accepted at around 85% of payment points, the same limitation as personal AMEX cards. Keep this in mind for international business travel.
Which business credit card offers legal assistance?+
The Knab Business Visa is the card in the comparison that explicitly lists legal assistance as a benefit, alongside VAT splitting and purchase protection.
Is Qonto X Card suitable for Dutch freelancers?+
Yes, Qonto X Card is free, requires no BKR check and offers real-time expense management with adjustable spending limits, although a Qonto business account is required to use the card.
What Should I Do If...
Practical answers to common tricky situations.
What should I do if my credit card application is rejected?+
First check your own BKR registration for free at mijnbkr.nl to see if that's the reason. If you don't meet a credit card's income requirement, consider a BKR-free alternative such as N26 Smart or Revolut Standard, which have no income check.
What's a common mistake when choosing your first credit card?+
A classic mistake is choosing based only on the annual fee or the brand name, without checking whether the card is even widely accepted — AMEX cards, for example, are only accepted by around 85% of merchants. So always keep a Visa or Mastercard as a backup option.
What should I do if I keep maxing out my credit limit?+
Consider temporarily lowering your own limit — most digital providers let you do this directly in the app — to keep yourself disciplined. A prepaid alternative such as Revolut or Bunq, where you can never spend more than you've topped up, can help structurally prevent overspending.
What should I do if I'm torn between two credit cards?+
Use SmartCreditcard's free AI comparison tool: it compares both cards based on your specific situation (travel, BKR, freelancing, costs) and gives you a well-founded recommendation in two minutes.
Is it a mistake to use a credit card only for emergencies?+
Not necessarily a mistake, but you do miss out on everyday benefits such as purchase protection, interest-free payments within the interest-free period, or building up Flying Blue miles with the Flying Blue AMEX Gold. For purely emergency use, a free card with no annual fee, such as Revolut Standard, makes more sense than an expensive premium card.
What should I do if my credit card is declined for a foreign purchase?+
First check whether you've hit your limit and whether foreign transactions haven't accidentally been blocked in the app's settings. If it still doesn't work, call your provider's 24/7 number — with digital providers such as Revolut and N26 you can also arrange this directly via in-app chat.
What's the pitfall of a prepaid credit card when renting a car?+
Many rental companies require a 'real' credit card for the deposit and sometimes don't accept a prepaid card, with the exception of Bunq Mastercard thanks to its credit BIN. Check this with the rental company in advance to avoid surprises when picking up the car.
What should I do if I notice I'm unintentionally paying interest every month?+
From now on, pay off your full outstanding balance within the interest-free period (for example, the 21 days with the Visa World Card) to avoid interest altogether. If paying off in full consistently isn't possible, consider a personal loan with a lower fixed rate of 6-10% instead of credit card interest of 14-20%.
What's a common misconception about BKR and credit cards?+
Many people think simply owning a credit card lowers their BKR score, but it's the granted credit facility that gets registered, not its use as such. Even an unused credit limit can still count when you apply for a mortgage in the future.
What should I do if I see a duplicate charge on my account?+
Contact your card issuer right away and file a complaint or chargeback request — this is usually resolved within a few days to weeks. Always keep the transaction proof and any receipts as evidence.
What should I do if my credit limit isn't enough for a large purchase such as a car rental deposit?+
Request a temporary or permanent increase to your credit limit via the app or customer portal, which most providers allow after a new income check. Digital cards with a fixed, low limit such as N26 or Revolut are less flexible for this than traditional credit cards such as the Visa World Card.
Is it a mistake to apply for several credit cards at once to find the best one?+
Yes, this is inefficient: compare thoroughly first using the card overviews or the free AI comparison tool, and then apply specifically for one card. This saves time and prevents you from unnecessarily opening several credit facilities at once.
See also
Still haven't found what you're looking for?
Our free AI comparison tool answers personal questions and helps you find the right credit card in 2 minutes.
⚡ Start Free AI Comparison