Top 10 Free Credit Cards in the Netherlands (2026)
A free credit card means €0 annual fee, forever — not an introductory discount that disappears after year one. We ranked all dozens of completely free cards in our database by customer rating.
Ranked by customer rating. Only cards with €0 annual fee are included — no hidden costs after the first year.
Revolut Standard
RevolutThe most popular free card in our comparison tool: no annual fee, no hidden costs, and ready to use instantly via the app.
View details →Bunq Mastercard
BunqFree, with a sustainable bonus — every €1,000 spent has Bunq plant a tree on your behalf.
View details →N26 Business Mastercard
N26For freelancers: a free business card that keeps your personal and business spending neatly separated.
View details →N26 Mastercard
N26The simplest free option: a working Mastercard with no frills and no BKR check.
View details →Wallester Business Card
WallesterFree business Visa for fintech and tech companies that don't want to pay an annual fee.
View details →Moss Mastercard
MossFree, smart expense management for growing teams — no annual cost, but full visibility per employee.
View details →Revolut Mastercard
RevolutA second free Mastercard option from Revolut for everyday use, with no frills.
View details →Qonto X Card
QontoFree business payment card with smart spending controls, aimed at modern entrepreneurs.
View details →Coinbase Card
CoinbaseFree card that lets you pay with crypto and earn rewards — a niche but entirely cost-free option.
View details →Trade Republic Visa card
Trade RepublicFree card that combines investing and spending in one app — handy if you already invest with Trade Republic.
View details →