How to Buy Bitcoin With a Credit Card or Debit Card

Are you a bit cautious about linking a bank account to a crypto exchange? It would be perfectly reasonable if so, but have you considered buying Bitcoin (BTC) with a credit card? In this guide, we will explain how to buy BTC with a credit card. Take a look at our top 10 picks for platforms and exchanges where you can buy bitcoins using one. We’ve evaluated each platform to discover the best way to buy BTC with a credit card that fits your needs.

Can you buy Bitcoin with a Credit Card?

When individuals look into Bitcoin, they often inquire about payment methods and platforms. Can you buy Bitcoin with a credit card on Coinbase? Is it feasible to purchase Bitcoin using a credit card on Best Wallet? Which option is best for me? Are there extra fees for 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:

1. Visit your chosen platform and create an account
2. Choose the amount you want to buy
3. Complete any required KYC information
4. Enter your Bitcoin address
5. Enter your credit card details
6. Make your purchase
7. The coins will be sent to your wallet

How to Buy Bitcoin with a Credit Card

Buying Price Volume in 24h Price 7d 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, MEXC, OKX, 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

To be able to buy crypto with credit card, 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.

Risks of Buying Bitcoin with a Credit Card

Although buying bitcoins with credit card can be quick and easy, it also comes with certain risks:

• Cash Advance Fees: Buying cryptocurrency is generally seen as cash advances by many credit card providers, which typically come with high fees (often 3–5%) and immediate interest charges. Unlike regular purchases, there is no grace period—interest begins accruing the moment the transaction is made.
• High Interest Rates: Annual percentage rates (APRs) for cash advances are often higher than those for regular purchases, occasionally surpassing 25–30%. If you don’t pay off the balance fast, the real cost of your BTC could grow drastically.
• Credit Score Impact: Using a significant amount of your available credit or accruing debt over time might have a negative impact on your credit usage ratio, which may affect your credit score.
• Purchase Blocks: Some banks and card issuers completely prohibit crypto transactions, particularly in nations with stricter laws governing the industry. Before making a transaction, always confirm with your provider.
• Volatility Risk: The price of cryptocurrencies can change significantly over a short period of time. Buying with borrowed money increases exposure—you could end up paying interest on an asset that rapidly drops in value.

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. 

The 10 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

1. 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.
2. Open the app and sign up using your email address or a Google/Apple account.
3. Set up a password and enable two-factor authentication for added security.

Step 2: Add Funds to Your Wallet Using Credit Card

1. Use your credit card to add funds directly within the app.
2. Navigate to the “Buy” section in the app, which is secured through Onramper.
3. Select Bitcoin from the list of available cryptocurrencies.
4. Enter the desired amount of Bitcoin and review the transaction details, including fees (Best Wallet does not charge additional fees).
5. Confirm the purchase, and the Bitcoin will be available in your wallet instantly after processing.

Visit Best Wallet

2. Buy Bitcoin with a Credit Card Through MEXC

Established in 2018, MEXC is designed to make crypto easy and accessible for all users. Serving over 170 countries and regions, the centralized exchange lets users buy Bitcoin and other cryptocurrencies with a credit card after verifying their identity.

MEXC users must complete the Advanced KYC process to buy BTC with a credit or debit card.

How to Use MEXC

Buy Bitcoin with a credit card through MEXC by following the steps below:

Step 1: Create an MEXC account and Verify Your Identity:

1. Visit the MEXC website and click ‘Sign Up.’ Enter your email and a secure password, or register by linking a Google account or an Apple ID.
2. Accomplish the maximum identity verification requirement, which is the Advanced KYC. You must prepare to upload a valid ID, such as a passport or driver’s license.

Step 2: Add Your Card and Buy BTC:

1. Click ‘Buy Crypto’ on the navigation bar and select ‘Debit/Credit Card.’ Click ‘Add Card’ and enter the details of your credit card.
2. Select a fiat currency (USD, GBP, EUR, AED, and BRL are currently supported), enter the amount, select your credit card, and click ‘Buy Now’ to complete your BTC purchase.

To check the processing of your transaction, find the ‘Orders’ tab on MEXC. Once completed, you can store your newly purchased BTC on MEXC or transfer it to another wallet.

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:

1. Go to the Binance website and click register. Follow the steps to create an account.
2. 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:

1. 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 Margex

Margex, tailored to beginners and experienced traders, supports various fiat options for buying Bitcoin, including a credit card.  This requires users to accomplish a KYC verification beforehand.

Completing the BTC purchase using a credit card on the platform will take a few minutes.

How to Use Margex

Follow the steps below to buy Bitcoin via Margex:

Step 1: Create an Account on Margex:

1. Go to Margex and click the Sign Up button. You can register using an email or mobile number, or by linking your Google account or Apple ID.
2. Follow the prompts and submit a valid ID to complete the KYC verification process. It should take 2 minutes to complete.

Step 2: Use the Credit Card to Buy Bitcoin:

1. Select ‘Buy Crypto,’ enter a fiat currency, input how much you want to exchange for BTC, and choose Bitcoin as the recipient token.  Choose ‘Credit/Debit Card’ as your payment method.
2. Click ‘Buy with USD’ and follow the instructions from the third-party payment provider to complete your Bitcoin purchase.

5. Buy Bitcoin with a Credit Card Through OKX

The advanced crypto exchange OKX caters to retail and institutional investors and offers spot markets, derivatives, lending, and other crypto products. The platform’s intuitive interface allows users to buy BTC with a credit card instantly.

Users can also set recurring purchases for BTC and other cryptocurrencies after adding payment details.

How to Use OKX

Follow these steps to buy BTC with a credit card on OKX:

Step 1: Create an OKX Account:

1. Go to the OKX platform and click the Sign Up button. Fill out your email and password, or link a Google account, Apple ID, Telegram account, or MetaMask wallet for registration.
2. Next, complete the KYC verification process, which requires a valid ID and personal information. The process should only take a few minutes to complete.

Step 2: Add Card and Buy Bitcoin:

1. Click ‘Buy’ and ‘Buy crypto’ on the OKX dashboard. Select BTC as the crypto to buy and enter the cash amount to exchange for BTC.
2. Select ‘Add card’ as your payment method and enter your card details. Click ‘Next’ to review your BTC purchase, then click ‘Buy’ to complete the credit card transaction.

You can click ‘Review details’ to see your order history, showing the Bitcoin credit card transaction you just made.

6. Buy Bitcoin with a Credit Card Through CoinEx

CoinEx, with its secure and extensive crypto ecosystem, offers a seamless way to buy BTC with credit card. It also supports over 1,300 cryptocurrencies and has its own exchange token, CET.

Individuals must complete the identity verification process before buying BTC on the platform with a card.

How to Use CoinEx

How to buy crypto with credit card on Coinex?

Step 1: Create an Account on CoinEx:

1. Visit CoinEx and click ‘Sign Up’ to create an account. You must input your email or phone number, or you can connect a Google account or Apple ID to register.
2. Start the personal verification process, requiring you to upload an ID card, passport, or driver’s license.

Step 2: Buy BTC with Your Card:

1. Click ‘Buy Crypto’ and select ‘Third-Party Trading.’ Choose one of CoinEx’s trading partners and click ‘Buy.’ Enter the amount of BTC you wish to purchase.
2. Enter your card details on the third-party window and click ‘Buy’ to complete the transaction.

7. Buy Bitcoin with a Credit Card Through BloFin

BloFin is a relatively new crypto exchange designed to maximize gains and safeguard users’ tokens. On the platform, you can buy BTC with a credit card with a $15 minimum transaction amount.

The platform requires users to KYC verify their accounts before making a fiat-to-crypto deposit.

How to Use BloFin

Here’s a short walkthrough for buying BTC with a credit card on BloFin:

Step 1: Open a BloFin Account:

1. Visit the BloFin platform and click ‘Sign up.’ On the signup sheet, enter your email or phone number. You may also create an account by linking an Apple ID or Google account.
2. To proceed, you must complete the identity verification process, which requires valid ID documents like a passport or driver’s license.

Step 2: Add Your Credit Card and Buy Bitcoin:

1. Find and click ‘Buy Crypto’ on the navigation bar. Select a fiat currency and enter the amount you wish to transfer for BTC. 
2. Select one of the supported third-party payment methods and enter your credit card details. Double-check the details and click ‘Buy’ to complete the deposit.

8. Buy Bitcoin with a Credit Card Through KCEX

KCEX doesn’t support any fiat-to-crypto payment options. However, users can buy USDT with a credit card on an external wallet or crypto exchange, transfer it to their KCEX account, and exchange it for BTC.

The platform lets users trade and hold cryptocurrencies anonymously, so it’s an option for users who want to store their BTC while maintaining privacy.

How to Use KCEX

Check out how to buy BTC with KCEX below:

Step 1: Open a KCEX Account:

1. Go to the KCEX platform and click the Sign Up button. Type in your mobile number or email address, then a secure password. Alternatively, you can register using a Google account or an Apple ID.

Step 2: Buy USDT on an External Wallet:

1. Find a crypto wallet app like Best Wallet, and use your credit card to buy USDT. 
2. On KCEX, click ‘Deposit’ and transfer the USDT from your external wallet to your KCEX account using the generated wallet address.

Step 3: Swap USDT for BTC:

1. Click ‘Spot’ on the navigation bar of the KCEX dashboard and open a BTC/USDT market order position.
2. To do this, enter the amount of USDT to exchange for BTC, and click ‘Buy BTC’ to execute the order.

While this process requires a few more steps, it may offer better exchange rates and lower fees than other platforms that offer direct BTC credit card purchases.

9. Buy Bitcoin with a Credit Card Through Bybit

Launched in 2018, Bybit is a well-regulated crypto platform with over 60 million users worldwide. To buy Bitcoin on Bybit with a credit card, users must complete a KYC verification.

Fast fiat-to-crypto payments are supported through Bybit’s Express checkout.

How to Use Bybit

Here’s how to buy Bitcoin on Bybit using a credit card:

Step 1: Open a Bybit account:

1. Visit Bybit and click the Sign Up button for the application form. Enter an email or mobile number for registration. Alternatively, you can sign up using Google, Apple ID, or a Telegram account.
2. Next, you must complete the KYC verification process, which requires a valid ID to upload.

Step 2: Add Card Details and Buy BTC:

1. Click ‘Buy Crypto’ on the navigation bar, and choose ‘One-Click Buy.’ Enter the fiat amount you wish to convert to Bitcoin, and select BTC as your receive token.
2. Select ‘Bank Card’ as a payment method and input your credit card details. Click ‘Buy’ to complete the BTC purchase.

10. Buy Bitcoin with a Credit Card Through PrimeXBT

PrimeXBT is a multi-asset trading platform that offers forex and CFD instruments in addition to its crypto asset offerings. Users can quickly secure BTC through a credit card on the platform.

KYC verification is mandatory for fiat-to-crypto deposits like BTC purchases using a credit card.

How to Use PrimeXBT

Follow the short guide below on how to buy Bitcoin with a credit card on the PrimeXBT platform:

Step 1: Create an Account on PrimeXBT:

1. Go to the PrimeXBT official website and click ‘Register.’ Input an email and a secure password to sign up. You can also link a Google account or Apple ID to complete the registration.
2. Click ‘Verify Account’ on the account settings and follow the prompts to complete the KYC process.

Step 2: Buy Bitcoin:

1. Click ‘Trading’ and select ‘Buy BTC.’ Choose a fiat currency and the amount you wish to exchange for BTC.
2. Enter your credit card details on the platform and complete your deposit by clicking ‘Buy.’

Alternative Platforms to Purchase Bitcoin with a Credit Card

Apart from our top 10 picks, we have also listed additional platforms that allow the 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

1. Register for a ChangeNOW account: Go to the ChangeNOW website and sign up to the platform.
2. Click the Buy/sell crypto button.
3. 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

1. Sign up to the platform and follow the steps.
2. Click the ‘buy button’ and select the debit/credit card payment option.
3. Enter your Bitcoin wallet details.
4. 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:

1. Visit the Switchere website and create an account.
2. Complete the KYC process by submitting required documents like ID and proof of address.
3. Choose the amount of Bitcoin you want to buy.
4. Enter your credit card details and Bitcoin wallet address.
5. Confirm your transaction, and the Bitcoin will be delivered instantly to your wallet.

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:

1. Register for a Kraken account and complete the KYC process.
2. Navigate to the “Buy Crypto” section and select “Credit Card” as your payment method.
3. Enter the amount of Bitcoin you want to purchase and your credit card details.
4. 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:

1. Sign up for a Bitpanda account.
2. Complete the verification process with your ID.
3. Select the “Buy Crypto” option and choose Bitcoin as your preferred currency.
4. Enter your credit card details and the amount of Bitcoin you want to buy.
5. 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:

1. Create a Coinbase account.
2. Verify your identity as part of the KYC process.
3. Navigate to the “Buy/Sell” section and choose Bitcoin.
4. Select the “Credit Card” payment method and enter your card details.
5. 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. 

Comparing Methods Buying Bitcoin with a Credit Card

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.

• BitPay: BitPay enables businesses to accept over 100 cryptocurrencies, including Bitcoin (BTC), Bitcoin Cash (BCH), and Ethereum (ETH). BitPay’s transaction processing fees range from 1-2% based on a business’s cumulative monthly volume in addition to a $0.25 fixed fee per transaction. It says that the transaction fees remain lower than traditional credit card fees.
• Simplex: Simplex is a fiat-to-crypto gateway supporting various payment methods, including credit cards. In the past, the Nuvei company partnered with BitPay and offered with no credit or debit card fees from within the BitPay Wallet app. Its fees generally various based on transaction and partnership.
• MoonPay: MoonPay specializes in fiat-to-crypto transactions, providing a smooth onboarding experience for users looking to purchase cryptocurrencies directly with fiat currency. MoonPay charges a processing fee of 4.5% for credit card transactions, with a minimum fee of $3.99.Generally, merchants have to pay 1.5% to 3.5% per transaction in credit card processing fees.

Pros and Cons of Buying Bitcoin with a Credit Card

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: 

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.”

Can You Buy Bitcoin Anonymously with a Credit Card?

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.

Conclusion: Buying Bitcoin with Credit Card

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:

• Top Decentralized Exchanges to Buy Bitcoin and Ethereum
• Best Wallets to Secure Your Bitcoin and Ethereum Holdings

References