Which company cards in the Netherlands have no monthly fee?

If you mean business payment cards, these options in the Netherlands currently advertise no monthly card/account fee:

Closest match for a no-fee business credit card: Qeld. For a no-monthly-fee debit card: Wise or GoDutch. Check the full fee schedule for your expected use—“no monthly fee” doesn’t necessarily mean no transaction, foreign-exchange, or cash-withdrawal fees.

Several Dutch business cards have no monthly fee, but the picture depends on whether you want a credit card or a prepaid/debit card, and most still charge an annual fee or a one-off card fee.

Business credit cards with no monthly or annual fee

• Qeld VISA business credit card: Multiple sources say it has no monthly or annual fees, plus 1% cashback and the option to pay the full bill in instalments, paying off only 5% of the outstanding amount each month. One Qeld page also asks visitors to join the waitlist for its new small business card, so check whether you can apply now.
• Moss: Listings disagree. One says it has no fixed monthly fees, with an annual fee of €120 shown on that page, while another lists a free annual fee. Confirm the current price before applying.

Prepaid or debit business cards with no monthly fee

• N26 Business Mastercard: Listed at €0.00 per year, but it is prepaid, so there is no credit line. This means the card has no spending limit and cannot be paid on credit.
• GoDutch Free package: GoDutch offers four packages: Free (€0 per month), Starter (€12 per month), Pro (€29 per month) and Max (€49 per month). Its Debit Mastercard has no annual or transaction fees. Its Free package also limits raising the card limit to BVs that have existed for at least six months.
• Revolut Business: A free basic plan includes a business account, physical and virtual cards, and basic accounting exports. The free plan does have monthly limits.
• Wise: Wise lists no subscription fee, a one-off EUR 7 card fee, and free ATM withdrawals up to EUR 250 a month, though this is a personal-account figure from one guide.

Cards with monthly or annual fees to watch for

• bunq and Finom: A listing shows a €0 annual card fee for bunq and Finom, but bunq's business plans include business cards, but whether a credit card is offered depends on bunq's own assessment.
• Amex Green: Free in year one, then EUR 6.50/month, so it is not fee-free long term.
• ICS and bank-issued business cards usually carry an annual fee. For example, ABN AMRO's Corporate Card costs €45.00 per card per year.

Caveats: Several sources are comparison sites that earn commissions, and some figures conflict or are dated. Check each provider's current tariff sheet before choosing. Also check whether a business account is required, what the spending limit is, and whether you need a credit line or can work with a prepaid card.

In the Netherlands, finding a company card without monthly or annual fees generally means looking at prepaid business cards or specific neobank offerings. Traditional banks (like ING, ABN AMRO, or ICS) almost always charge an annual fee for their business credit cards.

Here are the most notable options that do not charge monthly or annual fees:

1. Qeld (Business Visa)

• Cost: No monthly or annual fees.
• Key Features: It offers 1% cashback on all business purchases. It functions as a credit card with the option to pay in installments if needed, though you can also pay off the balance to avoid interest.

2. N26 (Business Mastercard)

• Cost: The standard N26 Business account and card are free of charge.
• Key Features: This is a prepaid card. You must load funds onto the account to use it, meaning you cannot go into debt. It offers 0.1% cashback on purchases and is well-regarded for its easy-to-use app and mobile integration.

Important Distinctions to Keep in Mind

• Credit vs. Prepaid (Debit) Cards: Most "free" business cards are technically prepaid or debit cards. You load them with your own money rather than borrowing from the card issuer. While they are accepted almost everywhere (like regular Mastercards/Visas), they do not offer the "buy now, pay later" credit facility that traditional corporate cards do.
• Traditional Bank Cards: If you require a traditional credit card (where you get a monthly credit limit and pay off the balance afterward), expect to pay a fee. For example, the ING Businesscard or ABN AMRO Business Card typically come with an annual fee.
• Foreign Transaction Fees: If you travel frequently, check if the card charges a "foreign exchange fee" or "markup" for transactions in currencies other than the Euro. Some cards (like N26) are more competitive in this area than traditional banks.

Recommendation: If your primary goal is to avoid monthly costs, look into Qeld if you want a credit-like experience with cashback, or N26 if a prepaid/debit card suffices for your business needs. Always check the provider's official website before applying, as terms and promotional offers can change.

If you mean business payment cards in the Netherlands, the clearest option I found with no monthly or annual card fee is:

• Qeld VISA Business Credit Card — Qeld says the card has no monthly or annual fee. Paying your statement in full by the due date avoids interest; paying in instalments incurs interest. ²

If you mean a company travel card, rather than a payment card:

• NS-Business Card (Basis) — the card and basic option have no subscription fee. You pay for journeys you make; subscriptions or other travel add-ons can cost extra. ⁷¹²

“No monthly fee” doesn’t necessarily mean no costs at all—check transaction, interest, usage and optional-service charges.