Going to Amsterdam? A guide to using a credit card in the Netherlands
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Using a credit card in the Netherlands

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Save money on flights and foreign transactions with a travel credit card.

Credit cards are widely accepted in the Netherlands, especially Visa and Mastercard. It’s wise to also carry cash for smaller establishments that may not accept plastic.

Compare cards for use in the Netherlands

All credit cards in the table below have no foreign transaction fees. That means you can save up to 3% of the amount of every transaction made abroad. You can save even more money on flights, checked bags, priority boarding, etc., with an airline cobranded credit card.

Name Product Foreign Transaction Fee Annual Fee APR (Annual Percentage Rate) for Purchases
None
$95
18.24% to 25.24% variable
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
None
$450
19.24% to 26.24% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
None
$0 intro annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees
None
$195
17.99% to 26.99% variable
Earn 75,000 bonus miles and 5,000 Medallion? Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Plus $100 after making a Delta purchase in the same time. Rates & Fees
None
$250
See Rates & Fees
35,000 bonus Membership Rewards? Points when you spend $2,000 in the first 3 months Rates & Fees

Compare up to 4 providers

If you often travel to the Netherlands, you could save money with the following cards:

The Gold and Platinum Delta credit cards have no foreign transaction fees, plus you can earn and redeem miles on your Delta and KLM flights to the Netherlands.

But if you prefer Visa cards, consider one of the two United credit cards. You’ll also save money on foreign transaction fees and you can board United or Lufthansa flights between the US and the Netherlands.

Potential credit card fees in the Netherlands

Depending on your credit card, you could incur the following fees:

  • Foreign transaction fees. Some credit cards come with foreign transaction fees of up to 3% of the amount of each purchase. That’s $120 for every $4,000 spent in the Netherlands.
  • Currency conversion fees. Vendors and ATMs may offer you to pay or make a cash withdrawal in US dollars. This is known as a Dynamic Currency Conversion (DCC) and it comes with a poor conversion rate and extra fees.

Can I incur both fees?

Yes. Consider getting a credit card without foreign transaction fees and decline DCC, if offered. That way you won’t incur unnecessary fees.

Which credit card issuers are accepted in the Netherlands?

Visa and Mastercard are most widely accepted. American Express credit cards come in third, then Discover cards.

If you want to make an ATM cash withdrawal with your Amex card, look for Euronet, ABN Amro Bank and Rabobank ATMs among others.

Merchant acceptance
ATM acceptance
Visa
check mark iconHigh
check mark iconHigh
Mastercard
check mark iconHigh
check mark iconHigh
American Express
exclamation point iconMedium
check mark iconHigh
Discover
exclamation point iconMedium
cross mark iconNot accepted

Should I use my credit card to get cash in the Netherlands?

Carrying cash is wise since some smaller restaurants, cafes and even some museums that don’t accept credit cards.

ATMs are widely available across the country. If you use your credit card to make a cash withdrawal, however, you could incur cash advance fees and a high APR. Debit cards are more ideal for cash withdrawals as they don’t have such fees.

Learn more: Travel money guide: Netherlands.

Do taxis in the Netherlands accept credit cards?

Some do, some don’t. Ask your hotel to call for a taxi that accepts credit cards.

If that’s not an option, use Uber and pay with your card through the app.

Chip and PIN credit cards

Chip and PIN cards are most common in the Netherlands. Some places may accept chip cards without a PIN, but you’ll have to sign the receipt. However, you may still need a PIN to make cash withdrawals. Ask your bank to assign a four-digit PIN to your card before departing to the Netherlands.

Is it safe to use my credit card in the Netherlands?

The Netherlands is a credit-card-friendly country. However, always exercise caution when using your card. For example:

  • Select ATMs with care. Always try to use ATMs in a bank. These ATMs are less likely to have card skimming devices.
  • Take two cards. You don’t want to be stranded without money if something happens to your credit card. Carrying a backup could be a lifesaver.
  • Keep your card in sight. Avoid card misuse by watching your card at all times.

How to prepare before traveling to the Netherlands

  1. Get a credit card without foreign transaction fees. This way you’ll save on each transaction made abroad.
  2. Visa and Mastercard are universally accepted. American Express is also accepted at most large hotels and restaurants. Look for the Diners Club logo to use your Discover card.
  3. Notify your bank before you travel. Otherwise, your bank could interpret charges made abroad as fraudulent and block your card.
  4. Get your bank’s phone number. In case your card is blocked or stolen, you can quickly resolve your issue.
  5. Get a backup card. Keep it safe so you’ll have it if something happens to your primary card.
  6. Get some cash. Smaller restaurants and cafes may only accept cash.

Bottom line

You shouldn’t have any problems paying with your credit card in the Netherlands. It’s always good to also carry cash, however, as some smaller establishments may not take cards.

Consider a debit card to make cash withdrawals and avoid cash advance fees and APR. To save money on your card purchases, make sure you get a credit card without foreign transaction fees.

How to use a credit card in…

Frequently asked questions

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Disclaimer

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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