27 Exchanges for Buying Bitcoins with Credit Card (2018 Updated)

Last updated on November 24th, 2017 at 08:10 am

Buying Bitcoins with a credit card – 9 exchanges reviewed (plus a list of 18 more…)

  • Bitcoin exchanges

  • Fees
  • Buying Limits
  • Available worldwide?
  • Reputation
  • Support
  • Overall grade
  • Additional info
  • Coinbase

  • coinbase
  • 3.75%
  • Up to $150 doesn't require verification$10,000/day
  • click this link to see what countries are available33 countries supported
  • This company is well known throughout the Bitcoin communityGood
  • Users have reported long waiting times for customer service responsePoor
  • A
  • Click to read
  • CoinMama

  • coinmama
  • 5%
  • Up to $150 doesn't require verification$5,000/day
  • Worldwide
  • This company is well known throughout the Bitcoin communityGood
  • Most users are happy with the customer support of the company Good
  • A
  • Click to read
  • Cex.io

  • cex
  • Average (actual number varies)
  • €300/day
  • US, Europe, S.America
  • This company is well known throughout the Bitcoin communityGood
  • Most users are happy with the customer support of the company Good
  • B+
  • Click to read
  • Coinhouse

  • coinhouse
  • 10%
  • For tier 2 verification€2000/day
  • France only
  • Average
  • Most users are happy with the customer support of the company Good
  • B+
  • Click to read
  • 247 Exchange

  • 247exchange
  • The fees are incorporated inside of the exchange rateUnclear
  • $100/daily
  • Worldwide
  • Average
  • Most users are happy with the customer support of the company Good
  • B+
  • Click to read
  • Virwox

  • virwox
  • High (actual number varies)
  • €900/month
  • Worldwide
  • This company's reputation varies in the Bitcoin communityAverage
  • Customer support is responsive but briefAverage
  • B
  • Click to read
  • IndaCoin

  • indacoin
  • The fees are incorporated inside of the exchange rateUnclear
  • $100/first buy
  • Worldwide
  • This company's reputation varies in the Bitcoin communityAverage
  • Most users are happy with the customer support of the company Good
  • B-
  • not available
  • Bitcoin.com

  • bitcoin
  • 2.5% service fee + 5% credit card processing fee7.5%
  • Unclear
  • Worldwide
  • Average
  • There seems to be no online support, only forum and a very cumbersome contact formPoor
  • B-
  • In progress

As 2017 begins it seems easier than ever to buy Bitcoins with your credit card. The only issue is knowing from who to buy. In this post I’ll cover all known (legit) methods to buy Bitcoin with a credit card.

Just for general knowledge, the reason that buy Bitcoins with a credit card isn’t available all around is due to chargeback issues that most sellers wish to avoid (for a detailed explanation look here). So many exchanges need to protect themselves in order to offer this service and not all of them have the technology to do so.

Before I explain the different methods one word of warning. NEVER leave your Bitcoins at an exchange or a website. Once you purchase Bitcoins from any of the methods explained below move them into your Bitcoin wallet immediately. If you still don’t have a Bitcoin wallet you can compare the different wallets here. So make sure to get this step out of the way before buying your Bitcoins.

Buy Bitcoins with a Credit Card at Coinbase

Pros: User friendly interface, Relatively low fees, Established reputation

Cons: Not available worldwide, Support takes time to respond

Overall rating: A

Coinbase is the largest Bitcoin broker worldwide. It allows users to buy up to $150/week of Bitcoins via  a credit card or debit card. Coinbase charges a 3.75% convince fee on all credit card transactions and is open to 33 countries around the world. When buying more than $100 of Bitcoins you will receive an additional $10 Bitcoin bonus.

Buy Bitcoins on Coinbase     Read our Coinbase review

 

 

Quick guide - How to buy Bitcoins with a credit card on Coinbase

coinbase credit card

  1. Create a Coinbase account
  2. Go to "settings" - "Payment methods" and click "add payment method
  3. Click "credit/debit card"
  4. Enter your cards information
  5. Once the card is confirmed you can go to "buy/sell" and buy your Bitcoins
  6. The Bitcoin will be sent to your Coinbase wallet

Coinbase credit / debit option

Debit card purchases are free of charge but credit card purchases of Bitcoin will be charged an additional 3.75% processing fee. In order to connect your card you will need to verify your id by uploading a government issued id. After verification you can instantly buy Bitcoins with your credit card on Coinbase.


Buy Bitcoins with a Credit Card at CoinMama

Pros: Good support, respectable company, fast service

Cons: Limited states in the US

Overall rating: A

CoinMama specializes in Bitcoin purchases through a credit card. They take a premium fee for their services but  they do not limit you to a maximum amount of Bitcoins that you can buy. You can buy up to $150 worth of Bitcoin without verification (verified accounts can buy $5000/daily and up to $20000/month).

Buy Bitcoins on Coinmama      Read our Coinmama review

 

 

From Coinmama's homepage you can choose how many Bitcoins you'd like to buy / sell. You can enter the price either in BTC or in USD or choose one of the offered packages.

coinmama homepage

Once finished, click "buy Bitcoins" and you will be taken to the sign up page. After you fill out your initial details you will need to go through additional verification by submitting a photo ID document. Verification is usually pretty quick (it took me 1.5 hours to get verified). You can also buy up to $500 without doing the verification process. With verification you can buy $1000/daily and up to $5000/month.

Once verified you can buy Bitcoins pretty easily with your credit card through the simple interface. If you verified your address I suggest you use "Visa, Mastercard via Simplex" since it's the fastest option. If you want to continue without verification you can use the "MoneyGram" option. You can then pay the amount with your credit card on MoneyGram's website (this is applicable to US residents only).

buy bitcoins coinmama

The next step will be to enter your own Bitcoin address. Unlike other exchanges CoinMama doesn't keep your Bitcoins on their wallet (which is a good thing). This means you'll need to get a Bitcoin wallet before continuing.

daily order limit coinamama

The last step will be to enter your payment details and place your order.

coinmama bitcoin order

Coinmama uses the services of Simplex allowing merchants to sell Bitcoins via credit cards as a payment method. I'll probably be doing a more in-depth review of Coinmama soon as it has become quite a popular method for buying Bitcoins.


Buy Bitcoins with a credit card through CEX.IO

Pros: Reputable company, high buying limits

Cons: Limited countries available, higher exchange rates

Overall rating: B+

There is an option to buy Bitcoins using your credit card at the CEX.IO bitcoin exchange. Established in 2013 as the first cloud mining provider, CEX.IO has become a multi-functional cryptocurrency exchange, trusted by over 450,000 users. CEX.io works in the United States, Europe, and some countries in South America.

Buy Bitcoins on Cex.io      Read our Cex.io review

 

 

After opening an account just click on "Wallet" and "Fund" next to the request currency. You will then have the option to either wire transfer the money or use your credit card to get your Bitcoins instantly

Cex.io also offer instant withdrawals of USD, EUR, and RUB to payment cards.This means you can deposit and withdraw funds in and from your payment cards once they are linked to your CEX.IO profile.

Withdrawal requests are processed automatically, right after their placement, and you do not need to log in to third party services. In most cases, withdrawals are processed instantly, and this will enable you to gain convenient access to withdrawn funds on your Visa/MasterCard right away.


Buy Bitcoin with a Credit Card at Coinhouse

Pros: Reputable company, high buying limits

Cons: Limited countries available, higher exchange rates

Overall rating: B+

Coinhouse is the "House of Bitcoin" in Paris. You can buy bitcoins directly online by Visa / MasterCard or cash with Neosurf prepaid card available in most European countries.

Buy Bitcoins on Coinhouse     Read our Coinhouse review

coinhouse bitcoin credit card

After confirming your account and confirming your identity you will be able to purchase up to 2,000 euros in bitcoin a day, to a maximum of 10,000 euros per month. The delivery of Bitcoins is immediate after confirmation of payment.


Buy Bitcoins with a credit card through Bitpanda

Pros: Multiple payment options, relatively low fees

Cons: Fees are hidden inside the exchange rate, EU citiznes only

Overall rating: B

Bitpanda is an Austrian Start-Up Company that was founded in October 2014. The company allows you to buy Bitcoins or Ethereum with a credit card as well as with Wire transfers, Neteller, Skrill, SEPA and more. The company supplies its services to European countries only with a relatively low fee.

If your account is verified the limit is 2,500€ daily (75,000€ monthly) for credit card purchases. For other options, there’s a 10,000€ daily (300,000€ monthly).


Buy Bitcoins on Bitpanda      Read our Bitpanda review

 

 

Buy Bitcoins with a credit card through Bitstamp

Pros: Great reputation, multiple payment options, accepts customer worldwide

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

Overall rating: B

Established in 2011, Bitstamp is one of the most reputable and oldest Bitcoin exchanges. The exchange is fully licensed by the Luxembourg ministry of finance. Bistamp started accepting credit card purchases recently via Simplex (the same company the supplies services to Coinmama). At the moment this service is open to most European and US citizens. 

Buy Bitcoins on Bitpanda      Bitstamp review coming soon!

 

 

Buy Bitcoins with a Credit Card Through VirWox

Pros: No verification needed, available worldwide

Cons: High fees, poor support

Overall rating: B

Virwox is a virtual currency exchange set up on late 2007 for the purpose of trading Second Life Lindens (SLL) and other virtual currencies used in online gaming.

Currencies traded other than Linden Dollars include Avination’s C$, and the Open Metaverse Currency (OMC). In April 2011, VirWoX started accepting Bitcoin and basically opened a loophole for people to buy Bitcoins with Paypal by first purchasing SLL via Paypal and then converting that SLL to Bitcoins. As of writing this post the site has over 740K registered users.

Buy Bitcoins on Virwox      Read our Virwox review

 

 

Virwox's option is less intuitive and has more fees. However it is possible to get you Bitcoins within 48 using this method.

Because of chargeback risk Virwox is taking on themselves they are limiting the amount you can deposit initially through Paypal or a credit card, here are the exact limits according to their website from April 30th 2015.

virwox limitations

The first thing you'd want to do is go to VirWox. VirWox is a Virtual World Exchange which was originally setup to trade Second Life Lindens - a virtual currency also known as SLL. We are going to use VirWox as a mediator in order to purchase Bitcoins with a credit card since most places won't allow you to do this as I've mentioned in the beginning of the post.

So After you've entered  VirWox you're going to need to sign up. There's a link on the top left that says "Not registered yet ?". You can see it here:

buy bitcoin with credit card

Then all you need to do is to fill out your personal details. Where it says "Avatar Name" you can just leave it at "No Avatar". The Avatar is taken from the game Second Life and we don't really need to link anything here.

buy bitcoin with credit card

Once you've entered all of your information you can just click "Register". The next thing that will happen is that you will get an email from VirWox with your temporary password. I strongly advise you to change that password since you will be transferring money through this site.

Once you get that email just log into VirWox with your username and password. The first thing you will need to do now is to deposit some money into your account. Just click on the "Deposit" link on the left side and go to the PayPal Express Checkout section. There you can choose how much money you would like to deposit.

deposit money VirWox

Note that there is a max amount of money you can deposit, but it will go up as soon as time goes by (the exact amounts are stated on VirWox's homepage). So after you enter the amount you want to deposit just click the "PayPal" button.

You will now move on to the PayPal payment page. If you have a PayPal account you can just log into it and make the payment. If however you don't have an account and want to pay with a credit card you can just click the link "Don't have a PayPal account ?".

PayPal Deposit

Once you click that link you can just enter your credit card information and buy deposit money to VirWox with your credit card.

Buy with PayPal

After you deposit the money it will show on the top left side in VirWox on your USD balance. Now it's time to buy some Bitcoins. The first step you'd be doing is buying SLL with your USD. Just go to the SLL/USD and select how many SLL you want to buy according to the current conversion rate.

Buy With SSL

In the picture above I don't have enough USD to buy SLL but if you've followed the steps correctly so far you'd see the amount of SLL you can buy with your USD.

After you've bought SLL they will also show up in the top left side (you can see mine on the top left in the former picture). And now it's time to exchange these SLLs into BTC. So go to the SLL/BTC exchange and just exchange as many SLLs as you'd like.

Exchange grapgh

Important!!!

Sometimes a manual review will be required by VirWox after this step. This can take up to 48 hours but usually takes around 6 hours. I get a lot of emails from people who sort of "panic" at this stage thinking they will never get their money back. Sit tight, and if after 48 hours nothing happens email Virwox's support ([email protected]).

After you'll exchange them you will see the Bitcoins showing up in your account on the top left as well. The last step that's left is to withdraw the Bitcoins into our wallet. So just click on "Withdraw" on the left side and you will be able to enter a Bitcoin address that you can send your newly acquired Bitcoins to.

Withdraw Bitcoins

After the transaction will be approve (this can take up to 48 hours but usually takes around 2) you will see the Bitcoins in your wallet.

Buy bitcoins with a credit card via IndaCoin

Pros: Good support, available worldwide

Cons: High fees, not enough reputation yet

Overall rating: B-

Indacoin is a UK based exchange which allows users worldwide to buy Bitcoins with a credit card. The minimum amount is $5 and limit for the first month is $500. After 40 days of the card using monthly limit will be increased to $ 3,000.

Buy Bitcoins on Indacoin      Indacoin review coming soon

 

indacoin credit card bitcoin

In order to use your card you will need your 5 digit code which is on your credit card statement and to verify you phone number. The process is seems fairly simple however I have not tried this exchange out myself so I can not vouch for it.

Even though the site states that they do now charge any fees, their exchange rate is pretty high due to credit card processing. At the time of writing this post 1 Bitcoin is sold for around $297 while the Bitstamp exchange rate is $245.  Such a premium is considered high even for credit card payments.


Buy Bitcoins with a credit card through 247Excahnge

Pros: Good support, available worldwide

Cons: Requires verification, high exchange rates

Overall rating: B+

247Exchange has been around since 2014 and it allows you to buy Bitcoins with either a wire transfer or a credit card. The rates on the site are pretty descent but the buying process is a bit cumbersome. I recently tried to purchase Bitcoins at the exchange and had a some issues completing the transaction.

Buy Bitcoins on 247Exchange      Read our 247Exchange review

 

247exchange buy bitcoins

The business seems to be pretty legit and has a good reputation online. The good thing about the exchange is that it shows you all fees before hand so you don't get surprised by the final charge amount as may happen sometimes with different exchanges.

If all other options fail this is a good fall back for buying Bitcoins with your credit card.


Buy Bitcoins with a credit card through Bitcoin.com

Pros: Simple process

Cons: High fees, questionable suppot

Overall rating: B-

Bitcoin.com is an information website set up by Roger Ver. It aspires to be the "go to" site for everything Bitcoin related. The website recently collaborated with Simplex, the same credit card processor of Coinmama, in order to allow the purchase of Bitcoins with a credit card directly from the site.

Buy Bitcoins on Bitcoin.com      Bitcoin.com review coming soon

 

The site takes a 2.5% service fee on top of the credit card processing fee which is 5%. Moreover, the exchange rate the site uses is around 1.5% higher than what you'd find at Bitstamp or Coinbase. The final thing to take into consideration is that it's not really clear who supports you if you buy Bitcoins on this site. There are help forums but they are for general Bitcoin subjects, and if you want to contact the company directly you'll need to go through an 8 steps questioner.  Seems like answering customer questions isn't at the top of the list here.


 

How do I know which exchange to use ?

It can get kind of hard to decide which exchange is the best platform for buying your bitcoins because there are so many of them. That's why we also created our best bitcoin exchange comparison page to make the process easier for you.

If you have any more questions or comments about the methods I just described just leave me a comment below or contact us here.

Ofir Beigel

Owner at 99 Coins ltd.
Blogger and owner of 99Bitcoins. I've been dealing with Bitcoin since the beginning of 2013 and it taught me a lesson in finance that I couldn't get anywhere else on the planet. I'm not a techie, I don't understand "Hashes" and "Protocols", I designed this website with people like myself in mind. My expertise is online marketing and I've dedicated a large portion of 99Bitcoins to Bitcoin marketing.

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116 Comments on "27 Exchanges for Buying Bitcoins with Credit Card (2018 Updated)"

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jagadish patil
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jagadish patil

Buy bitcoin with debit card , credit card paypal pm me skype john20128

Rob
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Rob

Can I buy Bitcoin from Coinmama and Transfer it to Coinbase???

jagadish patil
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Member
jagadish patil

u can buy bitcoin via paypal

Akbar
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Akbar

It’s been a week now coinmama says still under review my verification.. so if they take week for a verification how can they send me btc in hours.. it’s immposible sorry but that’s true

RonJ
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RonJ

Your top three prices of exchange rate are something else at coincapio price was real-time say 13.5K COINBASE 14.6 COINMAMA 14.9 AND CEX.IO 16.9K I wold not buy from the last two on principal shady how they don’t list live price.

Lateef Abiodun
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Lateef Abiodun

Great tips! If you need to purchase bitcoin or Ethereum fast, buy it with a credit card or debit card at CoinMama.

There’s no hidden charges and you’ll get live pricing.

It is available in 226 countries worldwide, and also accepts all local currencies.

**affiliate link removed**

CHY
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CHY

Great tips! If you need to purchase bitcoin or Ethereum fast, buy it with a credit card or debit card at CoinMama.

There’s no hidden charges and you’ll get live pricing.

It is available in 226 countries worldwide, and also accepts all local currencies.

Join now:

**affiliate link removed**

Ajin
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Ajin

Can anyone advice on nastrumcoin.com i made a purchase of 0.2 bitcoin, they delivered it to my wallet in less than 30 minutes… but before i go for more purchase would like a recommendation… please advice..

Steven Hay
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Steven Hay
Hey Ajin, I’d never heard of Nastrumcoin before. I don’t get many search hits on it either. It appears to be a small Bitcoin broker. Their social media links don’t lead anywhere but the home site. They only seem to trade in small amounts at a time. Have you seen our Bitcoin Scam Test page? Check here: The Bitcoin Scam Test I ran Nastrumcoin.com through the links. It seems like the site was created yesterday! It isn’t associated with any known person or company, either via registration or on the home site. Jury’s still out on this one. Personally, I’d… Read more »
Juhani Mikkonen
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Juhani Mikkonen

The fact that Coinbase alone gets almost 100 000 user per day at the moment is a good sign for bitcoin owners. I think that it would be a wise thing to invest at least something in bitcoin.

Derry Woods
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Derry Woods

Is it possible to buy Bitcoin at coinmama with my Onevanilla prepaid credit card? I have tried once but it doesn’t work. Please i need to know thanks

Zsofia Elek
Admin
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Zsofia Elek

Hi Derry, probably it is best to ask Coinmama directly if they accept this card. You can reach the support team here: https://support.coinmama.com/hc/en-us/requests/new

wellerson
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wellerson

Sou novo no mundo do Bitcoin
Comecei usando a Mercado Bitcoin , até agora estou gostando .