Top 10 Best Credit Cards Without a BKR Check (2026)
No BKR check means no credit screening through the Dutch Bureau Krediet Registratie — useful if you have a negative registration, just started as a freelancer, or simply want a card fast without paperwork. We ranked all dozens of BKR-free credit cards in our database by customer rating and annual fee.
Ranked by: customer rating (weighted most), then annual fee (low to high). Only cards without a BKR check are included.
Knab Zakelijk Visa
KnabThe only card in this list with a 5-star rating and a low fee (€38/yr), making it the strongest overall pick for freelancers who want no BKR check, provided you have a Knab Business Account.
View details →N26 You
N26Full travel insurance via Allianz without needing to pay with the card to be covered — rare among BKR-free cards.
View details →N26 Go
N26The same extensive Allianz coverage as N26 You, but on a metal card — for those who also care about the look.
View details →N26 Metal
N26The premium option: stainless steel card, full family coverage via Allianz, and 15 free stock trades per month.
View details →Revolut Standard
RevolutCompletely free, and the card most people start with for BKR-free banking — no annual fee, no hidden costs.
View details →Bunq Mastercard
BunqFree, and every €1,000 spent plants a tree — a solid free entry-level card with a sustainable touch.
View details →N26 Business Mastercard
N26Free business card built specifically for freelancers who don't want a check against their personal BKR record.
View details →N26 Mastercard
N26The most bare-bones, free option with no frills — ideal if you just want a working card with no BKR check.
View details →Wallester Business Card
WallesterFree business Visa aimed at fintech and tech companies, with no BKR check.
View details →Moss Mastercard
MossSmart expense management for teams, with no annual fee and no BKR check.
View details →