Notice: The banking leg of ING was purchased by Capital One in 2011. As a result, the information in this review may now be inaccurate or out of date. To read more about Capital One, please click here.

Originally founded in 1871 as Banque de Bruxelles, the company changed its name to ING Group in 1998. The company offers a number of services, including banking, insurance, and real estate.

Rank Chart
Reward Options
Our Score
6.99 - 10.5%
0 - 18.15%
5.99 - 18%

The Good

  • Late payment penalties
  • Foreign transaction fees
  • Cards offered
  • Security

 Late Payment Penalties

When it comes to late fees, ING has a different setup than the majority of credit card companies based in the U.S. While these companies typically charge a fee for late payments, ING pulls credit card payments automatically from the customer’s debit account each month, therefore saving cardholders from late fees.

Foreign Transaction Fees

For payments outside the eurozone, a fee of 1.60 percent of the payment amount is added. This is very competitive among foreign transaction fees charged by other top credit card companies.

Cards Offered

ING offers a total of three different credit cards, including the ING Visa Classic, the Flexible Credit Card, and the ING MasterCard Gold.


ING offers the following security features to protect its customers from fraud, including card stops, secure payments online and in stores, and theft and damage insurance.

The Bad

  • Undisclosed APRs
  • Annual fees
  • Customer support
  • Rewards options
  • Credit building and student cards

Undisclosed APRs

ING has not disclosed APR rates on its corporate website.

Annual Fees

ING charges annual fees ranging from €18 to €40. Compared to U.S. cards, this fee range is on par with most companies that charge annual fees—although many companies offer cards with no annual fees at all.

Customer Support

When it comes to customer support, ING provides a phone number for customers that customers can call if they need assistance. Unfortunately, the company has not disclosed its customer service hours, availability, or response time.

Rewards Options

ING’s credit cards do not offer reward benefits or bonus offers in the same way many American credit cards do. For example, many companies offer cards with rewards such as cash back, travel, and merchandise. However, ING offers rewards such as a higher credit limit and enhanced purchase insurance.

Credit Building and Student Cards

One thing ING does not offer is an opportunity to help build credit. The company does not currently offer student or “starter” cards or secured cards for people needing to repair their credit.

The Bottom Line

ING offers low foreign transaction fees, a number of card options, and security features. However, the company has not disclosed APRs on its website, charges annual fees, and offers limited reward options.

*Disclaimer: Listed interest rates were accurate as of December 2016 but are subject to change. Actual rates may differ from those listed in our review.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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