- Binance. Binance – Buy & Sell Bitcoin, Ethereum, and More. Binance, https://www.binance.com/en.
- Exodus. Exodus – Crypto Wallet. Exodus, https://www.exodus.com/.
- Kraken. Kraken.com. https://www.kraken.com
- Paxful. Paxful – Buy and Sell Bitcoin Instantly. Paxful, https://paxful.com/.
- Best Wallet. Best Wallet – Secure Multi-Asset Crypto Wallet. Best Wallet, https://bestwallet.com/en
- Coinbase. “How Do I Buy Digital Currency?” Coinbase Help Center. Coinbase, https://help.coinbase.com/en/coinbase/trading-and-funding/buying-selling-or-converting-crypto/how-do-i-buy-digital-currency.
How to Buy Bitcoin With a Credit Card or Debit Card
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Have you considered purchasing Bitcoin with a credit card? You may be wondering if it’s possible to buy Bitcoin using a credit card. In this guide, we’ll explain how to easily buy Bitcoin with a credit card. Take a look at our top 10 picks for platforms and exchanges where you can buy Bitcoin with a credit card.
We’ve evaluated each platform to discover the best way to buy Bitcoin with a credit card that fits your needs.
Can you buy Bitcoin with a Credit Card?
When people look into Bitcoin, they often wonder about payment methods and platforms. Can you buy Bitcoin with a credit card on Coinbase? Is it possible to buy Bitcoin using a credit card on Best Wallet? Which option is best for me? Are there higher fees when using a credit card?
Well, buying Bitcoin with a credit card is now easier than it’s ever been. These days, a majority of crypto exchanges and wallets provide the option to purchase Bitcoin with a credit card, either directly or through a third-party payment provider.
Pro tip: To find the best exchanges to buy Bitcoin, check out The Best Bitcoin and Crypto Exchanges guide.
Buying Bitcoin with a Credit Card: Summary
Buying Bitcoin with a credit card typically means following the steps below:
- Visit your chosen platform and create an account
- Choose the amount you want to buy
- Complete any required KYC information
- Enter your Bitcoin address
- Enter your credit card details
- Make your purchase
- The coins will be sent to your wallet
How to Buy Bitcoin with a Credit Card
Buying instantly with a credit card can seem confusing, especially for newcomers. While the exact process may differ slightly from one platform to the next, the steps below will give you a solid understanding of the typical process.
Step 1: Pick a Reliable Crypto Exchange
Begin by choosing a trusted exchange or wallet that accepts credit cards and offers competitive transaction fees. Well-known options such as Best Wallet, Exodus, Binance and Coinbase are good places to start due to their ease of use. Before deciding, consider factors like user experience, supported currencies, fees, and security.
Step 2: Sign Up and Verify Your Identity
Create an account on the platform of your choice and complete any identity verification (KYC) requirements.
Step 3: Add Your Credit Card
In your account’s payment settings, click “Add Payment Method.” Select “Credit Card” and input your card details, including your card number, expiration date, and CVV code. Remember that some exchanges might request additional verification for credit card transactions.
Step 4: Make Your Bitcoin Purchase
Navigate to the platform’s “Buy/Sell” section. Choose Bitcoin (BTC) from the list of available cryptocurrencies. Enter the amount you wish to purchase, either in Bitcoin (e.g., 0.1 BTC) or your local currency (e.g., $100). Select your credit card as the payment method. Some exchanges may require you to first purchase fiat currency, while others allow direct Bitcoin purchases using your credit card.
Step 5: Confirm and Complete Your Purchase
Double-check the transaction details, including the amount of Bitcoin and any fees. Once you’re ready, click “Confirm” or “Buy.” Depending on the platform or your bank’s security measures, you might need to complete additional steps, like two-factor authentication. After the process is verified, your Bitcoin will be credited to your wallet on the exchange.
Keeping Bitcoin Safe
Given Bitcoin’s volatile nature, it’s important to stay informed about market movements and prioritize safety when buying with a credit card. Keep an eye on fees, and always follow best security practices.
For better security, consider transferring your Bitcoin to a hardware wallet or a secure software wallet like Exodus. This provides stronger protection against potential hacks.
Top Picks for Bitcoin Credit Card Purchases
Below are our top picks for those wondering where can I buy Bitcoin with a credit card. These options cater to all experience levels, from experienced traders to complete beginners.
- Best Wallet — A secure, multi-asset wallet that allows you to store, buy, and manage Bitcoin directly within the app. Its built-in DEX aggregator ensures safe and convenient transactions.
- Exodus — Primarily a non-custodial wallet, Exodus offers third-party services for buying Bitcoin with a credit card.
- Binance — The world’s largest exchange. Binance has a wide range of payment options, including credit cards and debit cards. You’ll need to sign up and then provide KYC information to verify your identity and then you can buy Bitcoin with a credit card.
- Coinhouse — A trusted French platform adhering to strict European regulations, providing a secure way to buy Bitcoin with a credit card.
Alternative Platforms to Buy Bitcoin with a Credit Card
- ChangeNOW — An instant crypto exchange (CEX) that offers simple, fast, and secure crypto swaps.
- Changelly — An instant crypto exchange with aggregated prices so you can find the best buy Bitcoin deal on the market.
- Switchere — Authorized by the EU, Switchere is an online exchange based in Switzerland that offers instant swaps.
- Paxful — A global Peer-to-peer exchange, Paxful offers credit card support for purchases.
- Kraken — This exchange has been around since 2011, and is well established platform in the crypto exchange market.
- Bitpanda — A trading platform based in Austria, Bitpanda’s aim is to provide easy routes for its customers to buy and sell Bitcoin and other crypto.
- Coinbase — The good platform for beginners. As the largest exchange in the United States, Coinbase is a well-regarded platform across the world.
The 4 Best Ways to Buy Bitcoin with Credit Card
Looking to buy Bitcoin with your credit card? Here are the four best ways to make the process simple, fast, and secure.
1. Buy Bitcoin with a Credit Card Through Best Wallet
Best Wallet is our top choice for buying Bitcoin with a credit card. This multi-asset wallet offers a secure and convenient way to manage cryptocurrencies while allowing users to buy, sell, and swap directly within the app. Its built-in DEX aggregator eliminates the need for third-party platforms, reducing risks associated with exchanges.
As a software wallet, Best Wallet securely stores private keys on your devices, such as mobile phones, desktops, or laptops. This ensures easy access while maintaining control over your assets.
How to Use Best Wallet
Step 1: Download and Set Up Your Wallet
- Visit the App Store or Play Store and search for “Best Wallet.” Use the official link to download and install the app on your device.
- Open the app and sign up using your email address or a Google/Apple account.
- Set up a password and enable two-factor authentication for added security.
Step 2: Add Funds to Your Wallet Using Credit Card
- Use your credit card to add funds directly within the app.
- Navigate to the “Buy” section in the app, which is secured through Onramper.
- Select Bitcoin from the list of available cryptocurrencies.
- Enter the desired amount of Bitcoin and review the transaction details, including fees (Best Wallet does not charge additional fees).
- Confirm the purchase, and the Bitcoin will be available in your wallet instantly after processing.
2. Buy Bitcoin with a Credit Card Through Exodus
Launched in 2016, Exodus is a non-custodial cryptocurrency wallet with nearly a million active users a month. Exodus offers both a DEX (decentralized exchange) and a fiat on-ramp. This allows you to buy Bitcoin with a credit or debit card. Exodus however does use a third-party provider for this so fees can vary.
Exodus has support for over 50 networks meaning users can store a huge range of crypto tokens and coins. You can also integrate it with Trezor for added security and use it to access Web3 dApps with the browser extension.
How to Use Exodus
- Download the Exodus app and open an Exodus account.
- Click on “Buy Crypto” which is represented by a dollar icon.
- You’ll then have the option to select your payment method, here you can choose credit card.
- Choose Bitcoin as the crypto and enter the amount you want to purchase.
- Complete the transaction and Bitcoin will be added to your Exodus wallet within 10-20 minutes.
3. Buy Bitcoin with a Credit Card Through Binance
Binance has grown to become the biggest crypto exchange in the world in terms of popularity and trading volume. Previously a crypto-only exchange, Binance has accepted credit card payments since 2019.
Users can make a direct payment through themselves and third parties (such as the popular payments processor Simplex).
How to Use Binance
How to buy Bitcoin with a credit card instantly on Binance? Here’s what to do:
Step 1: Register for a Binance account:
- Go to the Binance website and click register. Follow the steps to create an account.
- Complete any KYC requirements. This typically requires you to use a form of ID, such as a passport or driving license to prove your identity as part of Binance’s compliance requirements.
Step 2: Select the Buy Crypto option:
- Choose the credit card or debit card payment option. Enter your card details and buy your Bitcoin.
You will now have your Bitcoin in your exchange wallet. You can choose to transfer this to your own wallet or keep it on Binance’s hot wallet.
4. Buy Bitcoin with a Credit Card Through Coinhouse
Coinhouse, based in Paris, is a regulated cryptocurrency platform that allows users to purchase Bitcoin with a credit card. It is particularly popular in Europe due to its compliance with strict regulatory standards. Coinhouse offers a secure and transparent way to buy Bitcoin, with customer service readily available.
How to Use Coinhouse
- Create a Coinhouse account.
- Verify your identity through the KYC process.
- Choose the amount of Bitcoin you wish to purchase and select the credit card option.
- Enter your Bitcoin wallet address.
- Complete your purchase, and the Bitcoin will be transferred to your wallet.
Alternative Platforms to Purchase Bitcoin with a Credit Card
Apart from our top 4 picks, we have also listed additional platforms that allow purchase of Bitcoin with your credit card. These are listed below:
ChangeNOW – Simple and Easy to Use
ChangeNow offers one of the quickest and simplest ways to buy Bitcoin with a credit card. With a simple and intuitive layout, the crypto exchange offers one of the easiest customer journeys on the market.
Like the other platforms featured here, you will need to pass KYC requirements, so you will need to sign up with proof of address and an ID document such as a passport or driving license.
You will also need a Bitcoin wallet to enter where you want your Bitcoin sent.
How to Buy Bitcoin Using a Credit Card on ChangeNOW
- Register for a ChangeNOW account: Go to the ChangeNOW website and sign up to the platform.
- Click the Buy/sell crypto button.
- Enter your wallet details and send your Bitcoin to your wallet address.
Changelly – Aggregated Fees For Choosing the Best Rate
Changelly offers low fees of around $5 to buy Bitcoin with a credit card. With transactions settled in under 10 minutes and 24/7 customer support, Changelly is one of the best options for buying Bitcoin with a credit card.
Changelly will show you the offers for Bitcoin sellers from their list of third parties. You can then choose the best rate to get the best deal and maximize your bang for your buck.
How to buy Bitcoin Using a Credit Card on ChangeNOW
- Sign up to the platform and follow the steps.
- Click the ‘buy button’ and select the debit/credit card payment option.
- Enter your Bitcoin wallet details.
- Receive your BTC in your wallet.
Switchere – Buy Bitcoin Instantly with Low Fees
Switchere is known for its user-friendly interface and competitive rates when purchasing Bitcoin with a credit card. The platform is ideal for beginners due to its intuitive design and fast onboarding process. Switchere offers instant purchases, with Bitcoin delivered directly to your wallet once the transaction is complete.
How to Buy Bitcoin Using a Credit Card on Switchere:
- Visit the Switchere website and create an account.
- Complete the KYC process by submitting required documents like ID and proof of address.
- Choose the amount of Bitcoin you want to buy.
- Enter your credit card details and Bitcoin wallet address.
- Confirm your transaction, and the Bitcoin will be delivered instantly to your wallet.
Paxful – Peer-to-Peer Bitcoin Marketplace
Paxful is a peer-to-peer marketplace that allows you to buy Bitcoin directly from sellers. It offers multiple payment methods, including credit cards, and lets you choose from a variety of sellers offering different rates. Paxful is decentralized, meaning you buy directly from other users, giving you flexibility in finding the best deal.
How to Buy Bitcoin Using a Credit Card on Paxful:
- Register for a Paxful account.
- Browse sellers accepting credit card payments.
- Select a seller with favorable rates and click “Buy.”
- Complete the payment process using your credit card.
- Your Bitcoin will be sent to your Paxful wallet, from where you can withdraw it to your personal wallet.
Check our full guide on Paxful to see all the features and benefits offered by the platform: Paxful Review (2024 Updated) – Is It Legit or a Scam?
Kraken – Advanced Features for Experienced Traders
Kraken is one of the longest-running cryptocurrency exchanges and offers a wide range of features for both beginners and experienced traders. While Kraken mainly targets professional traders, it also provides the option to buy Bitcoin with a credit card. Its high liquidity and low fees make it a top choice for larger transactions.
How to Buy Bitcoin Using a Credit Card on Kraken:
- Register for a Kraken account and complete the KYC process.
- Navigate to the “Buy Crypto” section and select “Credit Card” as your payment method.
- Enter the amount of Bitcoin you want to purchase and your credit card details.
- Confirm the transaction, and the Bitcoin will be added to your Kraken wallet.
Bitpanda – User-Friendly Platform for European Traders
Bitpanda is an Austrian-based cryptocurrency exchange that offers an easy-to-use platform for purchasing Bitcoin with a credit card. It focuses on making crypto purchases accessible to European users by offering low fees and a wide range of payment methods, including credit cards.
How to Buy Bitcoin Using a Credit Card on Bitpanda:
- Sign up for a Bitpanda account.
- Complete the verification process with your ID.
- Select the “Buy Crypto” option and choose Bitcoin as your preferred currency.
- Enter your credit card details and the amount of Bitcoin you want to buy.
- Confirm your purchase, and the Bitcoin will be transferred to your Bitpanda wallet.
Coinbase – Best for Beginners
Coinbase is one of the most popular exchanges globally, particularly favored by beginners. But, how do I buy Bitcoin with a credit card here? Coinbase offers a simple and intuitive interface for buying Bitcoin with a credit card, along with strong security features. Although the fees are slightly higher than on some other platforms, Coinbase is trusted for its reliability and regulatory compliance.
How to Buy Bitcoin Using a Credit Card on Coinbase:
- Create a Coinbase account.
- Verify your identity as part of the KYC process.
- Navigate to the “Buy/Sell” section and choose Bitcoin.
- Select the “Credit Card” payment method and enter your card details.
- Once the transaction is completed, your Bitcoin will be stored in your Coinbase wallet.
These platforms offer various features and benefits, so when purchasing Bitcoin with a credit card, choose the one that best suits your needs.
Best Platforms to Buy Bitcoin: Compared
Please note that fees and features are subject to change over time. It is advisable to verify these at the time of taking positions. When purchasing Bitcoin with a credit card, several payment processors offer different features, charge distinct fees and take varied processing times. We have also compared major payment processors for you. Platforms like Coinbase and Binance support credit card purchases for Bitcoin, but can you buy Bitcoin on Cash App with a credit card? Unfortunately, Cash App does not directly support this feature. Buying Bitcoin with a credit card can also carry risks that you should consider. We have simplified it for you here: Pros Cons According to user testimonies on Reddit, some complain that credit card companies often block transactions to crypto sites. A Reddit user claims, “Most places refuse credit cards because of fraud and chargeback risks.” Buying Bitcoin anonymously with a credit card is quite challenging. Most reputable exchanges require identity verification to comply with KYC (Know Your Customer) regulations. You’ll likely need to provide personal information, including your name and address, to complete the purchase. While some platforms may allow smaller, unverified transactions, these often come with higher fees and risks, including potential scams or unreliable exchanges. Thus, anonymity is limited when using a credit card for Bitcoin purchases. Ultimately, the best method for purchasing Bitcoin depends on individual circumstances, including risk tolerance, investment strategy, and the importance of transaction speed. For many, alternatives like bank transfers or peer-to-peer platforms may offer a safer and more economical way to invest in Bitcoin. Buying Bitcoin with a credit card has become increasingly accessible and convenient in 2025. We see that numerous platforms are offering this option to suit a variety of needs. Whether you prioritize ease of use, low fees, or security, there’s a platform for every user. However, it’s crucial to factor in the potential risks, such as high fees and credit card debt, and take steps to protect your Bitcoin investments by using secure wallets. By following the steps we outlined and choosing a reliable platform, you can confidently and safely purchase Bitcoin with a credit card. Remember, thorough research and mindful spending are key to making the most of your crypto journey. See Also: Learn everything you need to know about Bitcoin in just 7 days. Daily videos sent straight to your inbox.
Platform
Transaction Fees
Currencies Supported
Minimum Deposit
Trade Limits
Best Wallet
No additional platform fees
Multi-asset
None
No
Exodus
Varies (third-party fees)
260+
None
No
Binance
-Maker-taker fees range:0% – 4.50%
-3% to 4.5% for credit cards500+
0.00000001
May apply
Coinhouse
Varies by transaction
50+
€20
May apply
Kraken
-Maker-taker fees range: 0%-0.40%
-3.75% + €0.25 for credit card purchases200+
$1 or equivalent
May apply
Coinbase
-Maker-taker fees range: 0%-0.60%
-3.99% for credit card purchases
-Spending with Coinbase card has no transaction fees.250+
None
May apply
Comparing Methods Buying Bitcoin with a Credit Card
Feature
BitPay
Simplex
MoonPay
Transaction Fees
1-2% + $0.25 fixed per transaction.
Varies by transaction and partner.
4.5% or $3.99 minimum.
Processing Times
Instant.
Typically instant.
Minutes to hours.
Accepted Card Types
Visa, Mastercard, Amex, Discover.
Visa, Mastercard etc.
MasterCard, Visa, and Maestro
Pros and Cons of Buying Bitcoin with a Credit Card
Can You Buy Bitcoin Anonymously with a Credit Card?
Conclusion
FAQs
Do Bitcoin ATMs accept Credit Cards?
How can I buy Bitcoin with a Visa Credit Card?
How can I buy Bitcoin with a Discover Credit Card?
Can you buy Bitcoin with a Credit Card on Cash App?
Can you buy Bitcoin with a Credit Card on Coinbase?
What happens if you buy Bitcoin with a Credit Card?
Why does the Credit Card decline when buying Bitcoin?
Can you buy crypto using credit card rewards?
Is buying cryptocurrency safe and legal?
How to buy Bitcoin anonymously with a credit card?
How long does it take to buy Bitcoin with a credit card?
Can you pay credit card bills using crypto?
Is it safe to buy Bitcoin with a credit card?
Are there limits to how much Bitcoin I can purchase with a credit card?
What are the risks of using a credit card to buy Bitcoin?
References
Disclaimer
Crypto is a high-risk asset class. This article is provided for informational purposes and does not constitute investment advice. You could lose all of your capital.
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