#1 Credit Card Comparison

Your card.
Your choice.

Compare 52 credit cards on interest, costs and benefits. We will find the perfect card in 2 minutes — free and independent.

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100% Free & Independent
AI-powered comparison
52 cards compared
Result in 2 minutes

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Calculate your annual benefit

Discover how much you can earn based on your spending

Monthly
€1.500
Cashback & Air Miles
Earn money back on every purchase
Card for your profile
Student, traveller, shopper or entrepreneur
Compare all 60 cards
Filter by cost, network and benefits

For everyone

Which card suits you?

Discover the best credit cards for your specific situation

🎓

Students

No income requirement, no credit check. Start free and build your credit history.

No credit check
From €0 per year
0% foreign exchange fee
View cards
✈️

Travellers

Earn miles, lounge access and complete travel insurance included.

Earn miles & points
Lounge access
Travel insurance
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🛍️

Shoppers

Cashback on every purchase and purchase insurance up to 365 days.

Cashback up to 2%
365-day guarantee
Fraud protection
View cards
💼

Entrepreneurs

Business cards with accounting integration and no personal credit check.

No personal credit check
Accounting integration
50-day payment term
View cards

In 4 steps

How does SmartCreditcard work?

1

Answer the questions

A few short questions, or ask directly via chat.

2

Smart analysis

Our AI compares 54 cards based on your answers.

3

Top 4 matches

Your 4 best cards with match percentage — ranked highest to lowest.

4

Apply directly

Via the official provider. Free & fully independent.

Ready to start?

Find the credit card that perfectly suits you in 2 minutes.

OVERVIEW

Compare all credit cards

Use the filters on the left to find the perfect card

60 cards found

AI-powered comparison

Find your
perfect credit card
in a few short questions.

Our AI compares 60 cards and gives you the best personal match — free.

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60 cards 100% free no registration

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Personalised advice

Which card is right for you?

Choose your profile and discover the credit cards that suit you best.

🎓

Students & Young Adults

No income req. No credit check Free options

First credit card as a student? Most regular cards require €1,150 net/month income — but prepaid cards from neobanks are completely free, instantly available via the app, and require no credit check or proof of income.

No income requirement
No credit check required
Free options (N26, Revolut)
0% exchange rate for travel
Real-time app & instantly available
Student Card Young Adults Free Card No Credit Check
✈️

Travelers

0% exchange rate Lounge access Travel insurance

Exchange rate surcharges of 2-3% can cost you €100-150 per year on €5,000 in foreign spending. The best travel cards offer 0% surcharge, Priority Pass lounge access and complete travel insurance — including car rental cover (saves €15-25/day).

0% exchange rate surcharge
Priority Pass — 1,400+ lounges
Complete travel insurance
Earn miles for KLM flights
Car rental & emergency card cover
Travel Card Abroad Insurance Car Rental
🛒

Shoppers & Daily Use

Cashback 365-day protection Fraud cover

For daily use and online shopping, cashback and purchase protection are the most valuable features. The best shopping cards automatically return 0.5-2% on every purchase and protect your buys 365 days against theft and damage.

Up to 2% cashback
365-day purchase protection
Return guarantee at webshops
Apple Pay & Google Pay
3D Secure & Credit BIN car rental
Cashback Purchase Protection Best Card Mastercard
💼

Entrepreneurs & Freelancers

No personal check Bookkeeping 50-day term

Business credit cards offer unique advantages: no personal credit check impact, automatic bookkeeping integration with Exact and AFAS, and up to 50 days interest-free payment for extra cash flow. Membership Rewards points are also redeemable privately for travel.

No personal credit check
Bookkeeping (Exact, AFAS)
Up to 50 days interest-free
Membership Rewards on business
Per-employee limits & business travel
Business Card Freelance Rewards ABN AMRO
🧠

Not sure which card is right for you?

Our AI analyses your situation and finds the perfect card in 2 minutes — free and independent.

Everything about credit cards

Frequently asked questions

Everything you want to know about credit cards in the Netherlands

📖 See all 180+ questions in our complete FAQ →

Can't find your question?

Let our AI find the best card for you — including personalised explanation.

🎓

Credit Cards for Students

As a student you want flexibility without high costs. A credit card helps with emergencies, online purchases and building your credit history for later. The best student cards require no credit check and no minimum income.

🆓

Start free

Choose Revolut or Bunq — €0 costs, no credit check, no income requirement.

📱

Digital is great

App-based cards give instant insight into your spending.

🌍

No exchange fees

N26 and Revolut charge 0% surcharge — ideal for studying abroad.

⚠️

Always pay off

14%+ interest makes debts grow fast. Always pay the full balance.

Best cards for students

✈️

Credit Cards for Travellers

Frequent travellers benefit enormously from the right credit card. Earn miles on every purchase, enjoy free lounge access and pay anywhere in the world without foreign exchange fees. The right card saves hundreds of euros per year.

🏆

Earn miles

Flying Blue AMEX Gold: 1.2 miles per €1. Save for free KLM tickets.

🛡️

Travel insurance

AMEX Platinum & N26 You include complete travel insurance. Saves €100+ p/y.

🏨

Lounge access

AMEX Platinum: 1,300+ lounges worldwide, free for you and a guest.

💱

0% exchange rate

Revolut & N26 charge no surcharge. Saves 1.5–3% on foreign payments.

Best cards for travellers

🛍️

Credit Cards for Shoppers

For daily purchases and online shopping you want maximum benefit. Cashback up to 2%, purchase protection up to 365 days and full protection against fraud or undelivered orders.

💸

Cashback on everything

AMEX Gold: points on every euro. At €2,000/month that's €288 points value per year.

🛡️

365-day guarantee

ABN AMRO Gold offers 1 year purchase insurance — unique in the Netherlands.

🔒

Fraud protection

Credit card chargeback: money back if not delivered. Much safer than bank transfer.

Best cards for shoppers

💼

Credit Cards for Entrepreneurs

As a freelancer or SME entrepreneur, a business credit card offers tax benefits, accounting integration and up to 50 days extra payment term. Moreover, the credit registration is on the business, not personally.

📊

Accounting integration

Knab business links automatically to Exact, AFAS and other packages.

⏱️

50-day payment term

AMEX Business Gold gives up to 50 days. Ideal for your cashflow.

🏛️

Tax deductible

Business credit card costs are business expenses and therefore deductible.

🔒

No personal credit check

Business cards register on the company, not your personal credit file.

Best cards for entrepreneurs

All brands

All Providers

View all credit card providers and their cards in one place

Get in touch

Have a question, comment or want to collaborate? We are happy to help.

Our office

Smart Creditcard

Ericssonstraat 2

5121 ML Rijen

Netherlands

info@smartcreditcard.eu
Mon–Fri: 9:00–17:30

CoC number

42008508

VAT number

NL 8692 62 385 B01

Frequently asked questions

💳

Lisa — Your Credit Card Expert 💳

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Hey! I'm Lisa, your personal credit card expert. Tell me what you're looking for and I'll find the best card for you! 😊✨

SmartCreditcard · Independent advice · No personal data required