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12 Ways to Buy Bitcoin with a Credit Card

By: Alexander Reed | Last updated: 2/26/24

Buying Bitcoin with a credit card is now easier than it’s ever been. These days, a majority of major crypto exchanges and wallets provide the option to purchase Bitcoin with a credit card, either directly or through a third-party payment provider.

In this post, I’ll review the most popular methods for buying Bitcoin with a credit card.

Buying Bitcoin with a Credit Card Summary

The easiest way to buy Bitcoin with a credit card would probably be CEX.IO. Here are the steps:

  1. Visit CEX.IO and create an account
  2. Choose the amount you want to buy
  3. You may be asked to complete KYC
  4. Enter your Bitcoin address
  5. Enter your credit card details
  6. The coins will be sent to your wallet
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If you want to read in-depth about additional exchanges that accept credit cards, keep on reading. Here’s what I’ll cover:

  1. CEX.IO
  2. Coinmama
  3. Kraken
  4. Bitpanda
  5. Coinbase
  6. Binance
  7. LocalCoinSwap
  8. Bitstamp
  9. Coinhouse
  10. CoinCorner
  11. Xcoins
  12. StealthEX
  13. Frequently Asked Questions
  14. Conclusion

1. Buy Bitcoin with a credit card through CEX.IO

Pros: Veteran company, high buying limits

Cons: Support can be slow, higher exchange rates than the competition

Established in 2013, CEX.IO is a cryptocurrency exchange trusted by over 4 million users. CEX.IO works in most countries across the world, with very few exceptions. Currently, 34 states in the US are also supported. The site supplies a complete trading platform as well as a brokerage service.

Visit CEX.IO     Read review

How to Use CEX.IO

1. Open a CEX.IO account.

2. Click on “Finance,” then “Deposit” next to the requested currency.

3. You’ll then have the option to either wire transfer the money or use your credit card to buy Bitcoin instantly.

CEX.IO also offers instant withdrawals of USD, EUR, and GBP to payment cards, meaning you can deposit and withdraw funds in and from your payment cards once they’re linked to your CEX.IO profile.

Withdrawal requests are processed automatically right after their placement, and they do not require you to log in to any third-party services. In most cases, withdrawals are processed instantly, enabling you to gain convenient access to the funds on your Visa or Mastercard right away.

2. Buy Bitcoin with a credit card through Coinmama

Pros: Good support, respectable company, fast service

Cons: Limited states in the United States

Coinmama has specialized in Bitcoin purchases through a credit card since 2013. They charge a premium fee for their services, and you can buy up to $20,000 worth of Bitcoin per day with a fully verified Coinmama account. They provide a fast and reliable service with receiving Bitcoin instantly after your purchase confirmation. Coinmama support is typically pretty responsive.

For regulatory compliance, some countries and US states are served by a third party, while a handful are not supported at all.

Visit Coinmama     Read review    

How to Use Coinmama

1. Get a Bitcoin wallet, as Coinmama doesn’t hold the Bitcoin for you after your purchase.
2. From Coinmama’s homepage, choose how much Bitcoin you’d like to buy. Enter the price either in BTC, USD, EUR, GBP, CAD, or AUD.

3. Click “Buy,” and you will be taken to the sign-up page.
4. After signing up, confirm the amount you’d like to purchase and click “Continue.”

5. You’ll be prompted to fill in your receiving wallet’s details. Then click “Continue.”

6.  You’ll be asked to fill in your credit card information before completing the purchase.

3. Buy Bitcoin with a credit card through Kraken

Pros: Available worldwide, good reputation

Cons: Service availability varies by country

Kraken is a veteran US-based cryptocurrency exchange known for its focus on security and its recent expansion across Europe. The exchange offers an advanced trading platform (Kraken Pro) with features like staking, spot trading, margin and futures trading, and OTC options.

Users can purchase Bitcoin and other cryptocurrencies with a credit card through Kraken’s website or mobile app. There is a minimum purchase of €10.00/£8.00 and a seven-day rolling purchase limit of €5,000/£4,000.

Credit card purchases are not available to US residents.

Visit Kraken Read review

How to Use Kraken

  1. Visit Kraken and sign up for a free account
  2. Provide your email address and country of residence
  3. Click “Buy crypto” in the top right corner
  4. In the pop-up window, click “Add payment method”
  5. Then click “Add a payment card”
  6. Once your card is verified, you’ll be able to select it from the Pay with options.

4. Buy Bitcoin with a credit card through Bitpanda

Pros: Multiple payment options, relatively low fees

Cons: Not available worldwide

Bitpanda is an Austrian startup company that was founded in October 2014. The company allows you to buy Bitcoin and a variety of other assets, including altcoins, stocks, commodities, ETFs, and metals, with a credit card. Additional payment options include wire transfers, Neteller, Skrill, SEPA, and more. Bitpanda supplies its services to Europe and only a handful of other countries at a relatively low fee.

You can deposit nine major fiat currencies at Bitpanda: the Euro, US dollar, Swiss franc, British pound, Swedish krona, Hungarian forint, Czech koruna, Polish zloty, and Danish krone.

There are no fees for depositing Swedish krona (SEK) via Visa or Mastercard.

The minimum deposit and withdrawal amount is 10 EUR.

Visit Bitpanda     Read review

How to Use Bitpanda

1. Visit Bitpanda and sign up
2. Verify your identity
3. Choose a cryptocurrency (e.g., Bitcoin) and click “Buy”
4. Choose the “Visa/Mastercard” payment method
5. Enter the amount you wish to buy
6. Click “Next step”
7. Confirm your order

5. Buy Bitcoin with a credit card through Coinbase

Pros: User-friendly interface, relatively low fees, established reputation

Cons: Not available worldwide, inferior support

Note: Credit card purchases through Coinbase are not available to US users.

Coinbase is the largest and most popular cryptocurrency exchange in the US. Coinbase no longer discloses a standard credit card transaction fee; however, you can double-check the fee being charged before completing a purchase. The exchange is open to 100+ countries around the world.

Visit Coinbase     Read review    

How to Use Coinbase

1. Create a Coinbase account.

2. Go to “Settings,” then “Payment Methods,” and then click “Add Payment Method.”

3. Click “Credit/Debit Card.”

4. Enter your card’s information.

5. Once the card is confirmed, you can go to Buy/Sell and buy your Bitcoin.

6. The Bitcoin will be sent to your Coinbase wallet.

In order to connect your card, you’ll need to verify your identity by uploading a government-issued ID.

6. Buy Bitcoin with a credit card through Binance

Pros: Good reputation, available worldwide

Cons: Slow verification process, slow support

Binance has grown to become the biggest crypto exchange in terms of popularity and trading volume. Previously a crypto-only exchange, Binance now accepts credit card purchases of crypto, both through themselves and third parties (such as the popular payments processor Simplex).

Visit Binance     Read review    

7. Buy Bitcoin with a credit card through LocalCoinSwap

Pros: Wide variety of sellers, easy-to-use interface

Cons: Higher fees for credit card purchases, limited coin options

LocalCoinSwap is a peer-to-peer crypto exchange that shares its profits with the community via its native LCS token. Although not as popular as some of its more established competitors like Paxful, LocalCoinSwap does not enforce user verification and supports a wide range of payment methods, including credit cards.

Visit LocalCoinSwap     Read review    

How to Use LocalCoinSwap

1. Register at LocalCoinSwap

2. Under “Payment Method,” search for a seller who accepts credit cards.

3.  View the options, choose a seller, and verify their reputation and feedback.

4.  Be sure to read the “Trade terms and conditions.”

5. Enter the amount you’d like to buy and click “Buy Bitcoin.”

6. Make sure you read the on-screen warnings about protecting yourself.

7. You will be redirected to the trade status area, where you can communicate with the seller and complete the transaction.

8. Buy Bitcoin with a credit card through Bitstamp

Pros: Great reputation, multiple payment options, accepts customers from most countries

Cons: Average fees, the verification process can take a long time, not very user-friendly

Established in 2011, Bitstamp is one of the oldest and most reputable Bitcoin exchanges out there. The exchange currently holds 51 licenses and registrations globally. Bitstamp fees for credit card purchases are 4% plus a standard trading fee. Its service is open to over 80 countries globally, including Europe and the USA (most states), plus a selection of Asian and South American countries.

Visit Bitstamp     Read review

How to Use Bitstamp

1. Visit Bitstamp and click “Get started” to create an account.
2. Go to the deposit page and choose card purchase from the side menu
3. Choose which cryptocurrency you want to buy
4. Select a currency to pay with
5. Choose how much currency you would like to purchase
6. Enter your card details
7. Confirm your purchase

To finish your order, you’ll need to use a 3D Secure credit card. Also, some banks may consider your credit card purchase as a cash advance. If that’s the case, your bank or credit card provider may charge extra fees.

9. Buy Bitcoin with a credit card through Coinhouse

Pros: Reputable company, high buying limits

Cons: Limited countries available, high exchange rates

Coinhouse began as La Maison Du Bitcoin (The House of Bitcoin) in 2014 and is headquartered in Paris. You can buy as little as €50 worth of Bitcoin by Visa or Mastercard. Although the credit card fees are low, the exchange rates themselves may be high.

Visit Coinhouse Read review

10. Buy Bitcoin with a credit card through CoinCorner

Pros: Easy to use for beginners, supporting mobile app

Cons: High administration fees on deposits, not available worldwide

CoinCorner is a Bitcoin broker established in 2014, located in the Isle of Man. The exchange services several countries around the world. You can buy Bitcoin with as little as £10.  CoinCorner also has a mobile app that allows you to send and receive Bitcoin from your account using your mobile phone.

Visit CoinCorner     Review coming soon 

11. Buy Bitcoin with a credit card through Xcoins

Pros: Very quick turnaround for purchases, 24/7 support

Cons: Limited cryptocurrency selection

Xcoins is a Malta-based cryptocurrency exchange platform that has been around since 2016.

Users of the service can purchase BTC as well as LTC, ETH, XRP, BCH, and DOGE using any one of several fiat currencies via Visa or Mastercard.

Xcoins takes the speed of its service very seriously; The exchange actually promises to send your coins within 15 minutes of payment approval. This makes Xcoins a good choice if you want to get your hands on some bitcoin quickly.

The minimum purchase amount is 50 USD for ETH and BTC, 40 USD for XRP, and 30 USD for DOGE, LTC, and BCH. Users can buy up to 150 USD in crypto without verification.

Visit Xcoins     Review coming soon

12. Buy Bitcoin with a credit card through StealthEX

Pros: Doesn’t require KYC or registration; no limits

Cons: No iOS app; no advanced features

StealthEX is a cryptocurrency platform that offers asset swaps and direct purchases via debit and credit cards. The platform stands out among others like it for its anonymous approach. Unlike many exchanges and brokers, StealthEX doesn’t require users to register or sign up and has no KYC requirements.

There are over 1,400 coins available for swapping, and StealthEX accepts Visa, Mastercard, Google Pay, and Apple Pay for direct crypto purchases.

Furthermore, StealthEX is also a custody-free exchange – they don’t store user funds on the platform. When arranging a crypto swap, StealthEX identifies the best deal and performs the transaction between wallets for you. There are no extra or hidden fees, but users must cover the network transaction fee for each swap.

How to Use StealthEX

1. Visit StealthEX and click the “Buy” tab on the homepage

2. Select your fiat currency and choose “BTC” from the dropdown menu

Homepage screenshot of StealthEX crypto exchange, showing how to buy Bitcoin

3. Enter your chosen fiat/BTC amounts

4. Click “Start Exchange”

5. Choose the provider offer that suits you best

6. Enter the recipient’s BTC wallet address, click “Next”

Homepage screenshot of Bitcoin exchange StealthEX, showing how to buy Bitcoin with a credit card

7. Complete the transaction

It’s important to note that payment providers Mercuryo and Simplex will require KYC if the amount exceeds an equivalent of $700 per user.

13. Frequently Asked Questions

Do Bitcoin ATMs accept Credit Cards?

The vast majority of Bitcoin ATMs accept only cash or debit cards as payment for Bitcoin (due to chargeback issues). You will not be able to pay with your credit card at a Bitcoin ATM.

How can I buy Bitcoin with a Visa?

All of the exchanges listed on this page accept Visa cards as a form of payment.

How can I buy Bitcoin with a Discover Card?

Most exchanges accept Visa and Mastercard. However, some exchanges like Paxful accept Discover Cards as well.

14. Conclusion: How Do I Know Which Exchange to Use?

It can be kind of hard to decide which exchange is the best for buying your Bitcoin since there are so many of them. I suggest trying out each exchange with a small amount of money and moving on to larger funds only after you’re comfortable with the process.

Once you take the first step, you’ll start to notice what you actually value in an exchange and adjust your choices accordingly. If you have any more questions or comments about the methods I just described, leave me a comment below.

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149 comments on “Buy Bitcoin with a Credit Card”

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  1. Mark Siegmann

    I have been trying to pay bitcoin with my credit card which i want to use to but ammo at ***Link Removed*** how do I do that please help me out

    1. Nick Marinoff

      Are you looking to buy BTC with a credit card that you can then use to buy ammo? We’re not too sure what you’re asking. in any case, you can sign up for a crypto exchange account. This will generate a wallet. From there, attach a credit card as your valid payment method and then you can begin buying BTC through the platform.

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