If you’re based in Belgium and want to earn airline miles, hotel points or valuable travel rewards from everyday spending, there are now several interesting credit card options available.
This guide compares the main travel-focused credit cards currently available in Belgium, including American Express, Beobank Flying Blue, Brussels Airlines Mastercard and Revolut Ultra.
You’ll find the earning rates, travel benefits, annual costs and signup bonuses for each card, followed by a simple comparison table.
Earning Miles or Points with a Credit Card in Belgium
The main travel credit cards currently available on the Belgian market are:
- American Express Platinum
- American Express Gold
- Beobank Flying Blue Mastercards
- Beobank Brussels Airlines Mastercards
- Revolut Ultra Credit Card
Which card is best for you?
Frequent traveller: American Express Platinum
Lower annual fee: American Express Gold or Beobank
Flying Blue collector: Beobank Flying Blue
Miles & More collector: Brussels Airlines Mastercard
Flexible digital travel benefits: Revolut Ultra
Why Choose a Credit Card That Earns Miles & Points?
A travel rewards credit card lets you earn miles or points through purchases you would make anyway, such as groceries, restaurants, fuel or online shopping.
Depending on the card, these rewards can then be used for Business Class flights, hotel stays or other travel benefits.
Many premium cards also include benefits such as airport lounge access, travel insurance, Fast Track, hotel status and other travel perks.
In this guide, we focus primarily on the travel-related benefits and rewards of each card.
American Express
With an American Express card, you earn Membership Rewards Points for your spending.
One of the biggest advantages is flexibility: Membership Rewards can be transferred to a range of airline and hotel loyalty programs instead of locking you into a single airline.
Transfer Partners
Airlines:
- British Airways
- Delta
- Etihad
- Emirates
- Flying Blue
- Iberia
- SAS
Hotels:
- Hilton Honors
- Marriott Bonvoy
With a simple “trick”, you can also transfer your points to United Airlines at a 2:1 ratio. For example, transferring 60,000 Marriott Bonvoy points gives you 30,000 United miles thanks to United’s additional 5,000-mile bonus.
American Express Platinum
Collecting Points
- Earn 1 Reward Point per € spent.
- Boost your earning to 4 points per € with the €10/month booster option.
- Welcome bonuses of up to 250,000 points are often available.
The Perks
- Unlimited Priority Pass lounge access for up to 4 people.
- Gold status with several hotel chains.
- Fast Lane access at Brussels Airport.
- Status benefits with major car rental companies.
- Points never expire.
- Comprehensive travel insurance.
- Dining for Two: 3 complimentary two-course meals per year at selected Benelux restaurants.
The Costs
€65/month, or €75/month with the booster, corresponding to €780–€900 per year.
It is one of the most expensive cards in Belgium, but frequent travellers may be able to offset much of the annual fee through lounge access, hotel benefits, insurance and rewards.
American Express Gold
Collecting Points
- Earn 1 Reward Point per € spent.
- Welcome bonuses of up to 100,000 points may be available for new applicants.
The Perks
- 4 complimentary Priority Pass lounge visits per year.
- Comprehensive travel insurance.
- €100 annual dining credit in Belgium, the Netherlands and Luxembourg.
- Points never expire.
The Costs
€20/month or €240 per year.
How to Apply: Check our dedicated page for the latest American Express signup offers in Belgium.
Beobank Flying Blue Mastercards
If you primarily collect Flying Blue miles, Beobank offers two dedicated Mastercard options.
Beobank Flying Blue World Mastercard
Collecting Miles
- Earn 1 Flying Blue mile per € spent.
- Welcome bonus: 3,500 miles.
The Perks
- 2 Fast Track vouchers at selected airports through Mastercard Priceless.
- Paid lounge access through Mastercard Priceless.
- Miles validity extended by 20 months with each transaction.
- Travel insurance package.
The Costs
€75 per year.
How to Apply: Apply directly via the Beobank website.
Beobank Flying Blue World Mastercard Premium
Collecting Miles
- Earn 1.25 Flying Blue miles per € spent on everyday purchases.
- Earn 1.5 miles per € with Air France or KLM.
- Welcome bonus: 5,000 miles.
The Perks
Similar benefits to the standard Flying Blue card, combined with higher earning rates and enhanced travel insurance.
The Costs
€150 per year.
How to Apply: Apply directly via the Beobank website.
Beobank Brussels Airlines Mastercards
For travellers collecting Miles & More miles, Beobank offers several Brussels Airlines Mastercard options.
Depending on the card, you can earn between 0.5 and 2 miles per € spent.
Brussels Airlines Altitude Mastercard
Collecting Miles
- 2 miles per € spent with Brussels Airlines or outside the EU.
- 1.5 miles per € with Lufthansa Group or Star Alliance.
- 1.25 miles per € on other purchases.
- Welcome bonus: 5,000 miles.
- Annual cap: 100,000 miles.
The Perks
- 3 Brussels Airport lounge vouchers.
- Priority Check-in & Boarding with Brussels Airlines.
- 2 Fast Track vouchers.
- Miles do not expire when the required monthly card activity is maintained.
- Comprehensive travel insurance.
The Costs
€180 per year.
Brussels Airlines Horizon Mastercard
Collecting Miles
- 2 miles per € with Brussels Airlines.
- 1.5 miles per € with Lufthansa Group or Star Alliance.
- 1 mile per € elsewhere.
- Welcome bonus: 3,000 miles.
- Annual cap: 50,000 miles.
The Costs
€100 per year.
Brussels Airlines Explore Mastercard
Collecting Miles
- 2 miles per € with Brussels Airlines.
- 1 mile per € with Lufthansa Group or Star Alliance.
- 0.5 miles per € elsewhere.
- No welcome bonus.
- Annual cap: 25,000 miles.
The Costs
€20 per year, with the first year effectively free thanks to a €20 voucher.
How to Apply: Apply directly through the Beobank website.
Revolut Ultra Credit Card
The Revolut Ultra Card combines travel rewards with digital banking and premium travel benefits.
What Are RevPoints?
Revolut’s rewards currency, RevPoints, can be transferred 1:1 into airline miles with several partners, including:
- Aer Lingus
- British Airways
- China Southern
- Etihad Airways
- Finnair
- Flying Blue
- Iberia
- Qatar Airways
- SAS
- TAROM
- TAP
- Turkish Airlines
- Virgin Atlantic
How to Collect RevPoints
- Earn 1 RevPoint per € spent.
- Earn additional RevPoints through promotions and partner offers in the app.
The Perks of the Ultra Card
- Unlimited lounge access worldwide.
- 3GB global eSIM data per month.
- Travel insurance.
- Premium subscriptions including services such as NordVPN, Masterclass and Financial Times.
The Costs
€50 for the first month, followed by €60/month.
How to Apply: Use our Revolut referral link.
Credit Card Comparison
| Card | Rewards | Signup Bonus | Lounge Access | Everyday Earn Rate | Annual Cost |
|---|---|---|---|---|---|
| American Express Platinum | Flexible points | Up to 250,000 points | Unlimited | Up to 4 pts/€ | €780–€900 |
| American Express Gold | Flexible points | Up to 100,000 points | 4 visits/year | 1 pt/€ | €240 |
| Beobank Flying Blue Premium | Flying Blue | 5,000 miles | Paid | 1.25 miles/€ | €150 |
| Brussels Airlines Altitude | Miles & More | 5,000 miles | 3 visits | 1.25 miles/€ | €180 |
| Revolut Ultra | Flexible | None | Unlimited | 1 point/€ | €720 |
Our Picks
Best overall travel card: American Express Platinum
Best Flying Blue card: Beobank Flying Blue Premium
Best Miles & More card: Brussels Airlines Altitude Mastercard
Best lower-cost premium option: American Express Gold
Bottom Line
There is no single best credit card for everyone in Belgium. The right choice depends mainly on which loyalty program you use, how much you spend and how much value you place on travel benefits.
For frequent travellers looking for maximum flexibility, the American Express Platinum offers the strongest overall package thanks to transferable points, lounge access, hotel benefits and travel insurance.
If you mainly collect Flying Blue miles, the Beobank Flying Blue cards provide a much more direct earning option.
For Miles & More collectors, the Brussels Airlines Mastercards are particularly interesting, while Revolut Ultra is an alternative for travellers who value digital flexibility and a broad range of travel perks.
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