✓ Updated May 2026 · 4 business cards compared

Business Credit Card Netherlands 2026: Best Cards for Companies

Whether you are a freelancer, SME or growing corporation, the right business credit card simplifies expense management, provides cash flow flexibility and can integrate directly with your Dutch accounting software. Compare the 4 best business cards available in the Netherlands in 2026.

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Why every Dutch business needs a dedicated business card

Dutch tax authorities (Belastingdienst) strongly recommend — and for VAT purposes practically require — that business expenses be kept separate from personal spending. Using a personal credit card for business purchases complicates your bookkeeping, makes VAT reclaims harder and can raise questions during an audit. A dedicated business credit card creates a clean, itemised record of all business expenses that flows directly into your accounting.

Beyond compliance, business credit cards offer practical advantages: higher credit limits than personal cards, the ability to issue additional cards to employees with individual spending controls, consolidated monthly statements and often direct integration with accounting software like Exact, Twinfield, Moneybird or QuickBooks.

In 2026, the Dutch business card market ranges from free digital options (Revolut Business) to specialist expense management platforms (Soldo) and traditional bank corporate cards (ABN AMRO, ICS). Your choice depends on your company size, international spending needs and whether you need a credit line or prefer prepaid.

Quick Comparison — Business Cards 2026
Card Cost Multi-card Accounting Score
Revolut Business From €0 Yes Xero, QB ★★★★★
Soldo Business From €21/mo Yes (team) Exact, SAP ★★★★☆
ABN AMRO Business ~€60/yr Fee/card Export ★★★☆☆
ICS Business Mastercard ~€55/yr Fee/card Export ★★★☆☆

The 4 Best Business Credit Cards in the Netherlands 2026

Revolut Business Card
REVOLUT

Revolut Business Card

★★★★★ 5/5
From €0/mo Multi-currency
Free*
*Basic plan
  • ✦Multiple team cards with spending limits
  • ✦Direct Xero & QuickBooks integration
  • ✦25+ currency accounts
  • ✦Invoice creation in app
Pros
✓Free basic plan available
✓Best for international payments
✓Easy online application
Cons
✗No traditional credit line
✗Free plan has monthly limits
✗Not suitable for very large credit needs

Revolut Business is the top choice for Dutch startups, freelancers and SMEs with international operations. The free basic plan includes a business account, physical and virtual cards, and basic accounting exports. Paid plans unlock full Xero integration, higher exchange limits and expense management. For companies dealing in multiple currencies, Revolut Business is unrivalled in the Netherlands market.

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Soldo Business Card
SOLDO

Soldo Business Card

★★★★☆ 4/5
Team Expense Mgmt Mastercard
€21/mo
from, per company
  • ✦Prepaid Mastercard per employee
  • ✦Spend categories & rules per card
  • ✦Exact & SAP integration
  • ✦Receipt capture in mobile app
Pros
✓Best for teams of 5+ employees
✓Exact integration for Dutch market
✓Granular spend controls per card
Cons
✗Monthly fee from €21
✗Prepaid only — no credit line

Soldo is specifically designed for team expense management. Each employee gets their own prepaid Mastercard with customisable spending rules — you can restrict spending by category, merchant type or daily amount. The direct integration with Exact Online makes it particularly attractive for Dutch businesses. Receipt capture via the mobile app means no more end-of-month paper receipt collection.

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ABN AMRO Business Card
ABN AMRO

ABN AMRO Business Card

★★★☆☆ 3/5
True Credit Line Visa
~€60/yr
per card
  • ✦True revolving credit line
  • ✦Accepted everywhere (Visa)
  • ✦Linked to ABN AMRO business account
  • ✦Strong fraud protection
Pros
✓Real credit line for cash flow
✓Trusted Dutch banking brand
✓Wide acceptance worldwide
Cons
✗Requires ABN AMRO business account
✗Higher FX fees abroad
✗Limited accounting integration

The ABN AMRO Business Card is the classic choice for established Dutch businesses that need a true credit line for cash flow management. Unlike prepaid alternatives, it allows the company to pay 30–45 days after purchase, which can be valuable for managing working capital. If you are already an ABN AMRO business banking customer, this card is the logical complement to your existing account.

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ICS Business Mastercard
ICS

ICS Business Mastercard

★★★☆☆ 3/5
Mastercard Credit Line
~€55/yr
per card
  • ✦Bank-independent — any Dutch business
  • ✦Mastercard acceptance worldwide
  • ✦Online expense overview portal
  • ✦Purchase protection included
Pros
✓No bank account required
✓Suitable for KVK businesses
✓Purchase protection
Cons
✗Higher FX fees than fintech
✗Limited accounting integrations

ICS (International Card Services) is the largest independent credit card issuer in the Netherlands and is not tied to any specific bank. This makes the ICS Business Mastercard accessible to any KVK-registered Dutch business, regardless of which bank you use for your business account. It provides a traditional credit line and is accepted worldwide through the Mastercard network.

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Business Card Key Considerations

KVK requirements and application

All traditional Dutch business credit cards require KVK registration. Your KVK number proves your business is legally registered in the Netherlands. For online-only fintech providers like Revolut Business, the application is entirely digital — you provide your KVK number, upload a valid ID and a business bank statement, and you can receive a virtual card within minutes. Traditional bank card applications typically take 5–10 working days.

Accounting integration in practice

The biggest practical benefit of modern business cards is direct accounting integration. Revolut Business syncs transactions automatically with Xero and QuickBooks, and exports CAMT.053 files compatible with most Dutch accounting packages. Soldo integrates directly with Exact Online — the most popular Dutch accounting software for SMEs. For ZZP-ers using Moneybird or e-Boekhouden, both providers offer manual CSV/CAMT exports as a fallback.

Team cards and spending controls

For businesses with multiple employees who need company cards, Soldo and Revolut Business are the most flexible options. Both allow you to issue individual Mastercards to each team member with customisable spending limits, merchant category restrictions and budget alerts. This eliminates the need for employees to use personal cards and then submit expense claims — the most common and time-consuming expense management workflow in Dutch SMEs.

Frequently Asked Questions about Business Credit Cards

Do I need a KVK number to get a business credit card in the Netherlands?+
For most traditional business credit cards in the Netherlands, yes — a KVK (Kamer van Koophandel) registration number is required. However, some fintech platforms like Revolut Business do not always require a KVK registration and can issue cards to international businesses or startups. Freelancers (ZZP-ers) with a KVK number have access to the full range of business card products.
What is the difference between a business and personal credit card?+
Business credit cards are designed for company expenses: they often include higher credit limits, expense management tools, multiple employee cards, and integration with accounting software like Exact, Twinfield or QuickBooks. Statements show transaction details suitable for VAT administration. Personal credit cards lack these features and mixing business and personal expenses complicates your bookkeeping and can cause issues during tax audits.
Can a freelancer (ZZP-er) get a business credit card?+
Yes, absolutely. ZZP-ers (freelancers/self-employed) in the Netherlands with a KVK registration are eligible for business credit cards. Revolut Business offers cards from €0/month and is popular among Dutch freelancers for its ease of application and low cost. For larger credit limits, ICS Business Mastercard and ABN AMRO Business Card are worth considering, though they require a more comprehensive application.
Are business credit card expenses tax-deductible in the Netherlands?+
Yes. Business expenses paid with a business credit card are tax-deductible in the Netherlands, subject to the usual rules. The expense must be business-related, supported by a receipt or invoice, and booked correctly in your administration. The VAT component on eligible expenses is also reclaimable. Business credit card statements provide an itemised record of transactions, which simplifies your bookkeeping.
How many employee cards can I issue on a business credit card?+
This varies significantly by provider. Revolut Business allows multiple cards per user on even the free plan, with spending limits and controls per card. Soldo Business is specifically designed for team expense management and can issue hundreds of prepaid cards to employees. ABN AMRO Business Card and ICS Business Mastercard typically charge per additional card. For larger teams, Soldo or Revolut Business are usually more cost-effective.
Does a business credit card affect personal credit (BKR)?+
Business credit cards in the Netherlands are registered under the company name, not the personal BKR file of the director. However, for small businesses and sole traders (eenmanszaak or VOF), some issuers require a personal guarantee — in which case late payments could affect your personal BKR record. Prepaid business cards like Revolut Business or Soldo do not require credit checks at all and have no BKR implications.
Which business credit card integrates best with Dutch accounting software?+
Revolut Business integrates directly with Xero, QuickBooks and Exact. Soldo integrates with Exact, Twinfield, Netsuite and SAP. ABN AMRO Business cards export statements in formats compatible with most Dutch accounting packages. For ZZP-ers using Moneybird or e-Boekhouden, Revolut Business's CSV/CAMT export is often the most convenient.
What is the best business card for a startup in the Netherlands?+
For newly registered Dutch startups, Revolut Business is typically the fastest and most accessible option — you can apply online in minutes without needing a physical bank branch visit. The free Revolut Business plan includes one free card, EUR account and basic expense management. Soldo is worth considering once you have a team of 3+ people who all need individual expense cards with controls.
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