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Simple ways to Buy Bitcoin with Credit Card

Bitcoin Credit Card

Bitcoin's popularity as a form of investment has grown sharply in recent years and continues to do so. Bitcoin’s volatility can mean it could be very profitable over the long term. When prices are low, investors can see their investment rapidly grow in just months as price recovers.

Of course, Bitcoin is more than just a way to make a quick profit. It is a revolutionary coin that brought the concepts of digital currency, decentralization and removing the need for banks.

Buying Bitcoin with a credit card is a very simple process these days. It used to be much more complex, but luckily, the growth of the digital assets industry brought increased development and regulations, bringing simplicity to the process. You can buy Bitcoin with almost any credit card these days, including the two giants, Visa and Mastercard.

Our Quick Tutorial to Buy Bitcoin with Credit Card

There are multiple online platforms to buy Bitcoin in a secure and easy way. We've chosen the top place so you can start right away and get BTC in just a few minutes, regardless of your experience level. Please follow our step-by-step guide below.

Step 1: Sign-Up

The first step consists in creating a free account with our recommended platform. Visit the website by clicking the button below and start with your basic information to sign up. Depending on your location and local regulations, you might need to verify your identify.

Step 2: Make your First Deposit

Once your account is set up, you can go to "Deposit" and follow the instructions to fund your account with Credit Card . Enter the amount you want to deposit (beginners normally start with lower amounts), follow the steps and check your new account balance.

Step 3: Buy Bitcoin!

Your account is all set and you'll be able to trade any of the available cryptocurrencies on the platform. Select an order type to buy BTC (a market order will be fulfilled instantly). Check your dashboard for your opened positions and available crypto funds!

Advantages and Disadvantages of Buying Bitcoin with Credit Card


You can likely buy BTC with your local currency directly
A credit card offers a convenient, quick and easy payment option for first-time buyers
A very user-friendly method with an easy user interface
The most popular and convenient way to buy BTC


Potentially high transaction fees, 3-4%
Purchase limits on credit cards
There are no delays associated with other methods, such as bank transfer

Buying Bitcoin with Credit Card Fees

Deposit fees for fiat currencies can be quite high — especially when it comes to using credit cards.

The reason for this is that exchanges have to pay fees to banks and credit card providers and will often pass this cost onto you.  So, depending on the exchange platform you choose, you may end up having to pay transfer fees that can go anywhere from 5% to 11% per deposit.

Now, one thing to note is that we cannot really point to any certain fee and say that it is good or bad. It all depends on what you are willing to pay in order to get your hands on some bitcoins.

Fees can vary, depending on the credit card provider or bank you use, the exchange platform of your choice or even your country of residence.

Is Buying Bitcoin with a Credit Card the Best Method?

Credit card payments have been around for a long time, and most merchants are familiar with them, making them fast and convenient; but also very costly.

If you prefer cheaper methods, there are some alternatives. Bank transfers, for example, come with lower fees, so are more suitable if you are planning to make regular monthly purchases.

PayPal is a quick method to buy Bitcoin but also has its own fees, however, these tend to be lower than those from credit cards. PayPal has been known to refuse service to crypto exchanges directly, but some brokers do accept it as a payment option. 

The best option for buying Bitcoin would be to get it in exchange for another cryptocurrency. However, that still means that you must obtain another coin that has pairs against BTC, first.

Bitcoin credit cards? Bitcoin prepaid cards?

Bitcoin now is arguably a power house in the financial sector now, maybe not up with the dollar or some banks, but its current market cap exceeds $100 billion. That is not something to turn your nose up at. It is unsurprising that people are talking about getting bitcoin prepaid cards and even bitcoin credit cards. Although those may be a while away yet, with the growth we have seen and the uptake of retailers allowing you to purchase their goods using bitcoin, it surely must not be too long away.

Best Place to Buy Bitcoin using Credit Cards

When buying bitcoin with a credit card, you must decide if you want to actually own the asset or if you want to buy it using leverage. We tend to recommend buying it using leverage because you will be buying it through a regulated provider. Cryptocurrency exchanges have no regulation and so open you up to counterparty risk. Providers like eToro also have a very simple and easy process to buying bitcoin using credit cards. It is very user friendly and makes life for first time traders considerably easier. Once you have signed up it is very easy to fund your account. Not only will it show you how to buy using a credit card but it also highlights some of the various advantages to using providers like eToro compared to crypto exchanges. 

Alternative sources to consider when buying Bitcoin with Credit Card

PaxForex great provider for US clients

PaxForex is great for US clients and comes backed by professional traders backed by investors. PaxForex is owned by professionals with extensive knowledge of the Forex, cryptocurrency and other financial markets. The platform easy to use for beginners and more experienced traders alike.

3 Quick Steps to Buy Cryptocurrency

  • Create a new PaxForex account
  • Make a $100 minimum deposit
  • Buy your Cryptocurrency

Min. Deposit
User Score
Paxful is entirely peer-to-peer, which means our users trade with real people
100% free crypto wallet
All trades are protected by our secure escrow service to guaranteed peave of mind
Start Trading
Paxful is a global marketplace to securely trade Bitcoin with millions of users, using 350+ modes of payment.
Payment Methods
Cash, Credit Card, Debit Card, PayPal, Wire Transfer
Full regulations list:

Coinbase - An Exchange to Buy Bitcoin With Credit Card

Coinbase is the world’s largest broker to deal with Bitcoins. Customers can buy Bitcoin with Credit Card up to $150/week. It has a 3.75% transaction fee charges in place for every transaction made through credit card. The company offers its services in around 33 countries of the world.

Credit cards Coinbase accepts:

Visa – Mastercard - Maestro

To buy Bitcoin with Credit Card, customers need to follow the steps given below.

  • Open an account with Coinbase.
  • Click “Setting” then add a payment method by clicking the payment method tab.
  • Select your card - Debit/Credit.
  • Fill in the details of your card.
  • Click ‘continue’ to proceed.
  • Once you buy Bitcoin with Credit Card, transfer them to your e-wallet account

Min. Deposit
User Score
FCA regulated crypto exchange with 4500+ digital assets available for trading
Supports users from over 100 countries including the US and Canada
Withdraw your funds using PayPal or other payment methods
Start Trading
Coinbase is one of the first places that made it easy to buy bitcoin and has since become a widely trusted exchange in the market.
Payment Methods
3d Secure Credit Card, Credit Card, Debit Card, Euro Bank Account
Full regulations list:

Buy Bitcoin with Credit Card At Coinhouse

Coinhouse is based in Paris and is sometimes referred to as the ‘home of Bitcoins’. It does allow you to buy Bitcoin with Credit Card, however only Mastercard or Visa. Coinhouse also offers you to buy Bitcoins on a cash basis.

At Coinhouse, once your account is confirmed, you can buy Bitcoin online with Credit Card up to 2000 euros worth daily. Once you’ve purchased bitcoin, you can have them transferred to your bitcoin e-wallet account instantly. Remember, Coinhouse allows a maximum of 10,000 euros worth Bitcoin in a month.

Buy Bitcoin with Credit Card At BitPanda

BitPanda was founded in 2014 and allows its customer to buy bitcoin with Credit Card. Customers can also buy Bitcoins via wire transfers, Paypal, Skrill, Neteller, plus many more. The services of the company are available only for EU citizens.

As highlighted, BitPanda offers plenty of different payment options when it comes to buying a cryptocurrency, however if you are looking to buy bitcoin with AMEX or a discover card, you will come a cropper. BitPanda only allows you to buy bitcoin with Visa or Mastercard.

Min. Deposit
User Score
Fully automated platform with instant transactions
A wide variety of payment options
Good for beginners
Start Trading
BitPanda is a Bitcoin broker based in Austria. It offers a wide range of payment methods and has good prices.
Payment Methods
Credit Card, EPS, Giropay, Mastercard, Sofort, Visa, neteller, skrill
Full regulations list:

Frequently Asked Questions

  1. Unfortunately, no. However, things are moving in the right direction, and more banks are allowing it than ever before.

  2. No, Bitcoin purchases are never instant. In fact, it will take at least 10 minutes from making a transaction to it being processed as confirmation of your transaction is made on the blockchain.

  3. Yes, you can safely buy BTC with your credit card, although it is advisable to pay off the charge straight away to avoid APR interest.

  4. This is up to Mastercard and Visa to decide. It depends on the situation, so you will have to check with your credit card provider to know for certain.

  5. Buying Bitcoin with a credit card is a valid and legal method of obtaining BTC. There are a number of alternative payment options to choose from if a credit card is not suitable.

  6. No, Bitcoin cannot be used on a standard credit card. If you own Bitcoin, you can sell it for your local currency on an exchange and then withdraw this money to your bank account.

  7. This depends on your location and whether or not certain platforms service your region. You should always go for reputable exchanges that follow government regulations and avoid unknown and unregulated platforms due to scams.

  8. Buying Bitcoin is a safe procedure, as long as you are careful to use a secure payment webpage. However, bitcoin is a volatile asset, so it is possible your investment will be worth less than it was when you bought it, depending on how long you are planning to keep your bitcoins.

  9. Once again, this depends on your location. But, for most places, yes, profits from crypto trades must be included in your tax report.

  10. Unlike the stock markets, Crypto markets are open around the clock, so you can make a purchase at any time of day or night.

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