How & Where to Buy Bitcoin & Crypto With a Credit Card in 2024

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Last updated Mar 13, 2024 | 09:06 AM UTC

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Available Countries

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Intro

Bitcoin is the oldest crypto in the world but it’s still the one everyone wants a piece of — even if there’s no cash on hand.

One way to do that is to use credit. We'll show you how to buy Bitcoin with a credit card on some of the best crypto exchanges, but beware of some of the potential pitfalls of buying crypto this way (we’ll get to those below).
 

    How to Buy Bitcoin With a Credit or Debit Card - Quick Guide

    To purchase Bitcoin with a credit/debit card:
     

    • Find an exchange to buy crypto with a credit card/debit card - we list the top options below
    • Create an account and verify your identity
    • Navigate to the "Buy" or "Trade" section
    • Choose your Bitcoin or a desired cryptocurrency
    • Enter the amount you wish to purchase
    • Select the credit/debit card payment option
    • Input your card information and confirm the transaction

     

    Key Takeaways

    • Reputable BTC exchanges accept debit and credit cards
    • Credit/debit card payments tend to involve fees
    • You can buy portions of BTC, you don’t have to buy a whole one
    • Your credit/debit card must be eligible for international transactions
    • ID verification is a must if you plan to use a credit/debit card
    • Two-factor authentication and a hardware wallet will secure your funds

     

    Where to Buy Crypto With a Credit/Debit Card - Best Places

    Here are the top exchanges to consider when buying Ethereum, Bitcoin, and other crypto with credit or debit cards. Compare the pros and cons, reputation, and coins on offer at each exchange in our handy list below.

    Best Sites

    Established in 2011, Kraken is a trusted cryptocurrency exchange renowned for its longevity and diverse trading interfaces, catering to a broad user base.

    General Information

    Year founded: 
    2011
    Coins Available: 
    Bitcoin
    Ethereum
    Tether
    Polkadot
    Chainlink
    Cardano
    Bitcoin Cash
    Litecoin
    Uniswap
    USD Coin
    XRP
    Aave
    Stellar
    Tezos
    Curve DAO Token
    Algorand
    Monero
    Synthetix
    Dai
    Filecoin
    Compound
    EOS
    The Graph
    Cosmos
    Keep Network
    ICON
    yearn.finance
    TRON
    Qtum
    Dash
    Basic Attention Token
    Zcash
    Kusama
    OMG Network
    Waves
    Nano
    Dogecoin
    Enzyme
    Decentraland
    Kava.io
    Ethereum Classic
    Orchid
    Kyber Network
    Storj
    Siacoin
    Lisk
    Aragon
    PAX Gold
    Gnosis
    Balancer
    tBTC
    Augur
    0x
    1inch
    Aavegotchi
    Acala Token
    Adventure Gold
    Akash Network
    Alchemix
    Alchemy Pay
    Alien Worlds
    Ambire AdEx
    Ampleforth Governance Token
    Ankr
    APEcoin
    API3
    Aptos
    Arbitrum
    ARPA Chain
    Astar
    Audius
    Avalanche
    Aventus
    Axie Infinity
    Badger DAO
    Bancor
    Band Protocol
    BarnBridge
    Biconomy
    Bifrost
    BitDAO
    Blur
    Bluzelle
    BitTorrent Chain
    Boba Network
    Bonfida
    Bonk
    r/FortNiteBR Bricks
    Cartesi
    Celer Network
    Celestia
    Centrifuge
    Chain
    Chiliz
    Chromia
    Civic
    Coin98
    Convex Finance
    COTI
    Covalent
    Dent
    dYdX
    Energy Web Token
    Enjin Coin
    Ethereum Name Service
    Euler
    Fantom
    Fetch.ai
    Flare
    Flow
    Frax Share
    Gala
    Galxe
    Gari Network
    GensoKishi Metaverse
    Gitcoin
    GMX
    Green Satoshi Token
    Harvest Finance
    Hashflow
    IDEX
    iExec RLC
    Immutable
    Injective Protocol
    Internet Computer
    Jasmy
    JITO
    JUNO
    Karura
    Keep3r BSC Network
    KeeperDAO
    KILT Protocol
    Kin
    LCX
    Lido DAO Token
    Livepeer
    Loopring
    Maker
    Mango
    Marlin
    Marinade Staked SOL
    Mask Network
    Merit Circle
    Mina
    Mirror Protocol
    Moonbeam
    Moonriver
    r/CryptoCurrency Moons
    Multichain
    MultiversX
    My Neighbor Alice
    MXC
    NEAR Protocol
    Numeraire
    NYM
    Ocean Protocol
    Optimism
    Orca
    Origin Protocol
    OriginTrail
    Oxygen
    PayPal USD
    Pepe
    Perpetual Protocol
    Phala.Network
    PlayDapp
    Polkastarter
    Polygon
    Power Ledger
    PYTH Network
    Quant
    Radicle
    Rarible
    Raydium
    Ren
    Render Token
    Request
    Robonomics.network
    Rocket Pool
    Rubic
    Saber
    Samoyedcoin
    Secret
    Sei
    Selfkey
    Serum
    SHIBA INU
    Shiden Network
    Solana
    Songbird
    Spell Token
    Stacks
    Stafi
    Star Atlas
    Star Atlas DAO
    Stargate Finance
    Stella
    Step Finance
    STEPN
    Sui
    SuperRare
    SuperVerse
    SushiSwap
    Swipe
    Synapse
    Terra 2.0
    Terra Classic
    Terra Classic USD
    Terra Virtua Kolect
    Tether EURt
    The Sandbox
    THORChain
    Threshold
    TrueFi
    TrueUSD
    Unifi Protocol DAO
    UMA
    WOO Network
    Wrapped Bitcoin
    WETH
    Yield Guild Games
    Altair
    Basilisk
    Crust Shadow
    Genshiro
    HydraDX
    Integritee
    Interlay
    Kintsugi
    LimeWire
    Nodle
    Parallel Finance
    Picasso
    Polygon Ecosystem Token
    pSTAKE
    Tokemak
    Wrapped Axelar
    Website Languages: 
    Chinese
    English
    Filipino
    French
    Italian
    Japanese
    Portuguese
    Russian
    Spanish
    Turkish
    Ukrainian
    Vietnamese

    Anonymity

    As a registered US exchange, Kraken strictly adheres to KYC & AML laws, prohibiting the creation of anonymous accounts and ensuring regulatory compliance.

    Reputation

    With one of the best reputations in the industry, Kraken holds the distinction of being the only crypto company worldwide to secure an SPDI banking license.

    Pros and Cons

    Supports hundreds of coins
    High liquidity
    Simple and user-friendly interface
    Good customer support options
    Lots of advanced trading features like margin, futures, and indices trading
    No insurance fund for assets on the platform
    Doesn’t offer a crypto credit card
    No personal wallet service for traders
    Supports only a few fiat currencies

    OKCoin crypto exchange is a well-established platform providing access to a variety of digital assets for traders globally, with a focus on offering fiat-to-crypto trading pairs.

    General Information

    Year founded: 
    2014
    Coins Available: 
    Bitcoin
    Ethereum
    Tether
    Dai
    Stacks
    Bitcoin SV
    USD Coin
    yearn.finance
    Bitcoin Cash
    Litecoin
    STASIS EURO
    Uniswap
    Compound
    Hedera Hashgraph
    Polkadot
    TRON
    Celo
    Ethereum Classic
    Celo Dollar
    USDK
    1inch
    Aave
    Cardano
    Adventure Gold
    Algorand
    Aragon
    APEcoin
    API3
    Arweave
    Astar
    Cosmos
    Avalanche
    Axie Infinity
    Badger DAO
    Bancor
    Blockchain Brawlers
    Chiliz
    Clover Finance
    Crypto.com Coin
    Curve DAO Token
    Convex Finance
    dHedge DAO
    DIA
    Dogecoin
    dYdX
    Elrond
    Enjin Coin
    Ethereum Name Service
    Flow
    Flare
    Ampleforth Governance Token
    Fantom
    Gala
    Aavegotchi
    The Graph
    Internet Computer
    ICON
    Immutable
    Kadena
    Kyber Network
    Keep3rV1
    Kusama
    PlatON
    Lido DAO Token
    LINK
    Livepeer
    Loopring
    Terra
    Terra Classic
    MAGIC
    Decentraland
    Mask Network
    Polygon
    MetisDAO
    Mina
    Maker
    Numeraire
    Harmony
    Optimism
    Perpetual Protocol
    Phala.Network
    Ravencoin
    The Sandbox
    Stader
    SHIBA INU
    SKALE Network
    Smooth Love Potion
    Synthetix
    Solana
    Spell Token
    Storj
    SushiSwap
    Tellor
    UMA
    Terra Classic USD
    WAX
    Wrapped Bitcoin
    Wing Finance
    Stellar
    Nano
    Tezos
    DFI.Money
    Zcash
    Horizen
    Zilliqa
    0x

    Anonymity

    OKCoin enforces KYC verification procedures, mandating users to undergo identity verification to access trading services.

    Reputation

    OKCoin is recognized for its strong reputation, known for its reliable platform, liquidity, and compliance with regulatory standards.

    Pros and Cons

    Very low trading fees
    Offers advanced trading services and features like futures and margin trading
    Very high liquidity
    Fiat currency deposits and withdrawals
    Top level security
    A lower number of cryptocurrencies on offer when compared to other big exchanges
    A lower number of crypto pairs on offer
    Requires level 2 verification before you can withdraw
    Comes only in the English language
    Fraudulent insurance claim

    Gemini, established in 2014, is a reputable cryptocurrency exchange founded by the Winklevoss twins. It offers a secure platform for users to buy, sell, and store various digital assets.

    General Information

    Year founded: 
    2015
    Coins Available: 
    Bitcoin
    Ethereum
    Uniswap
    Chainlink
    Litecoin
    Aave
    Bitcoin Cash
    Curve DAO Token
    Synthetix
    Compound
    yearn.finance
    Ren
    Zcash
    Maker
    Decentraland
    Filecoin
    Dai
    PAX Gold
    0x
    Amp
    Balancer
    Basic Attention Token
    Orchid
    UMA
    Kyber Network
    Storj
    Dogecoin
    Tezos
    Solana
    Polkadot
    Avalanche
    XRP
    Cosmos
    Gemini Dollar
    USD Coin
    Tether
    Helium
    Samoyedcoin
    STEPN
    Zebec Protocol
    Ankr
    APEcoin
    API3
    Arbitrum
    Axie Infinity
    Blur
    Chiliz
    Cryptex Finance
    Dogelon Mars
    Ethereum Name Service
    Ethernity Chain
    Fantom
    Fetch.ai
    GALAXIA
    Geojam Token
    Immutable
    Injective Protocol
    IoTeX
    Lido Staked ETH
    Lido DAO Token
    Livepeer
    Loopring
    Mask Network
    Pepe
    Polygon
    Galxe
    Push Protocol
    Qredo
    Quant
    Render Token
    SHIBA INU
    SKALE Network
    Stargate Finance
    SuperRare
    SushiSwap
    Terra
    The Graph
    The Sandbox
    Wrapped Ethereum
    GHO
    Alethea Artificial Liquid Intelligence Token
    Somnium Space

    Anonymity

    Gemini enforces strict KYC and AML protocols. Users undergo identity verification and maintaining transparency in accordance with legal standards.

    Reputation

    Gemini has earned a positive reputation for its emphasis on security, regulatory adherence, and user-friendly experience.

    Pros and Cons

    Trading on all major cryptocurrencies, plus USD
    An investment program with a large annual interest
    Gemini Pay supports cryptocurrency payments in stores
    Exchange is properly certified, regulated and licensed
    Lots of educational resources for users
    Not beginner-friendly trading terminal
    Limited customer service
    Complicated add-on fees
    Higher fees than some other exchanges
    Operates with only USA license

    Binance US, launched in 2019, is a prominent cryptocurrency exchange catering to the American market with a wide array of trading pairs and advanced features.

    General Information

    Year founded: 
    2019
    Coins Available: 
    Tether
    Ethereum
    Bitcoin
    Cardano
    Chainlink
    Uniswap
    XRP
    VeChain
    Binance USD
    Matic Network
    Litecoin
    Stellar
    Algorand
    Compound
    Elrond
    Tezos
    Zilliqa
    Hedera Hashgraph
    Binance Coin
    Maker
    Solana
    USD Coin
    ICON
    Bitcoin Cash
    Horizen
    OMG Network
    Helium
    Band Protocol
    IOTA
    EOS
    Cosmos
    Basic Attention Token
    Nano
    Neo
    Dash
    Decentraland
    Dogecoin
    VeThor Token
    Zcash
    Kyber Network
    Waves
    0x
    Harmony
    Orchid
    Qtum
    Dai
    Ontology
    Ravencoin
    Ethereum Classic
    Augur
    Storj
    PAX Gold
    Polygon
    Polkadot
    SHIBA INU
    TRON
    Avalanche
    Filecoin
    Aptos
    Lido DAO Token
    TrueUSD
    NEAR Protocol
    Quant
    Internet Computer
    APEcoin
    The Graph
    Fantom
    Aave
    MultiversX
    Flow
    Immutable
    THETA
    Axie Infinity
    The Sandbox
    Optimism
    Curve DAO Token
    Synthetix
    Render Token
    Loopring
    Mask Network
    Threshold
    Kava Lend
    Ankr
    Balancer
    yearn.finance
    Fetch.ai
    Celo
    1inch
    Enjin Coin
    Theta Fuel
    Gala
    Astar
    Kusama
    Ethereum Name Service
    Audius
    SushiSwap
    Golem
    Kadena
    Ocean Protocol
    Biconomy
    Alchemy Pay
    FLUX
    Livepeer
    SKALE Network
    WAX
    Celer Network
    Illuvium
    DigiByte
    Lisk
    API3
    Syscoin
    Gitcoin
    Stargate Finance
    Smooth Love Potion
    Ren
    Numeraire
    Polymesh
    Request
    Galxe
    Cartesi
    Radicle
    Aragon
    Bancor Network Token
    Prometeus
    COTI
    Marlin
    Spell Token
    My Neighbor Alice
    Loom Network
    Alien Worlds
    Reef
    StormX
    Mines of Dalarnia
    Origin Protocol
    Ampleforth Governance Token
    LTO Network
    SuperRare
    League of Kingdoms Arena
    DIA
    BarnBridge
    Clover Finance
    Voxies
    Alpine F1 Team Fan Token
    VITE
    Santos FC Fan Token
    FC Porto Fan Token
    Oasis Network
    MIOTA
    iExec RLC
    Lazio Fan Token

    Anonymity

    In adherence to US regulations, Binance US implements robust KYC and AML procedures, requiring users to undergo identity verification and ensuring compliance with legal standards.

    Reputation

    Binance US has established a reputable presence in the American crypto landscape. It's known for its reliability, regulatory compliance, and commitment to providing a secure trading environment.

    Pros and Cons

    Very low trading fees
    Lots of educational resources available
    So fast that it processes 1.4 million orders per second
    High liquidity to customers
    Attention to security, and constant innovation
    Not available in some US states
    Fewer crypto to crypto pairs than other exchanges
    Lengthy identity verification process
    Parent company was hacked in 2019
    Limited selection of crypto assets

    As one of the pioneers in the cryptocurrency space since 2011, Bitstamp stands out as a reputable exchange. It provides a straightforward platform for users to trade a variety of digital assets.

    General Information

    Year founded: 
    2011
    Coins Available: 
    Bitcoin
    Ethereum
    Tether
    Solana
    XRP
    USD Coin
    Cardano
    Avalanche
    Dogecoin
    Polkadot
    Polygon
    Chainlink
    Wrapped Bitcoin
    SHIBA INU
    Dai
    Litecoin
    Bitcoin Cash
    Uniswap
    Injective Protocol
    Lido DAO Token
    Stellar
    NEAR Protocol
    Hedera Hashgraph
    Immutable
    Maker
    The Graph
    Algorand
    Aave
    Render Token
    Fantom
    Synthetix
    The Sandbox
    Axie Infinity
    Paxos Standard
    Sui
    Decentraland
    Gala
    Chiliz
    Curve DAO Token
    Fetch.ai
    Flare
    Nexo
    APEcoin
    Enjin Coin
    1inch
    SKALE Network
    Ethereum Name Service
    Compound
    Basic Attention Token
    Loopring
    OriginTrail
    Convex Finance
    PayPal USD
    0x
    yearn.finance
    Aragon
    SushiSwap
    Audius
    Band Protocol
    Storj
    Cartesi
    Solar
    Gemini Dollar
    Amp
    UMA
    Smooth Love Potion
    Kyber Network
    Vega Protocol
    Stella
    Perpetual Protocol
    Radicle
    Gods Unchained
    Maple
    Staked Ether
    Euro Coin
    Rally
    EUR CoinVertible
    Wecan
    DGLD
    dYdX
    Songbird
    Euro Tether

    Anonymity

    Aligning with regulatory requirements, Bitstamp prioritizes security through KYC and AML procedures. User identities are verified, preventing anonymous account creation.

    Reputation

    Bitstamp has built a solid reputation over the years, known for its reliability, transparent operations, and commitment to adhering to regulatory standards.

    Pros and Cons

    An advanced trading platform
    Low fees and high liquidity
    Supports lots of different payment options
    Efficient and dedicated phone and email support
    Lots of charting tools
    No Live chat customer support
    Slow verification process
    International wire transfer takes 2 to 5 days to clear
    A few number of coins on offer
    Was hacked in 2015

    Coinbase, a major player since its inception in 2012, is a user-friendly cryptocurrency exchange offering a secure platform for buying, selling, and managing a variety of digital assets.

    General Information

    Year founded: 
    2012
    Coins Available: 
    Bitcoin
    Ethereum
    Dogecoin
    Tether
    Cardano
    Polkadot
    Bitcoin Cash
    Litecoin
    Solana
    USD Coin
    Avalanche
    SHIBA INU
    Crypto.com Coin
    Wrapped Bitcoin
    Uniswap
    Chainlink
    Polygon
    Algorand
    Stellar
    Axie Infinity
    Decentraland
    TerraUSD
    Filecoin
    Ethereum Classic
    Cosmos
    Dai
    Tezos
    The Graph
    EOS
    Aave
    Loopring
    Maker
    Enjin Coin
    Quant
    Chiliz
    Zcash
    Amp
    Dash
    Compound
    Celo
    IoTeX
    Curve DAO Token
    Basic Attention Token
    OMG Network
    yearn.finance
    SushiSwap
    Horizen
    Livepeer
    Voyager Token
    UMA
    Ankr
    Perpetual Protocol
    Synthetix
    Bancor
    0x
    Paxos Standard
    Ren
    XYO
    SKALE Network
    Storj
    1inch
    OriginTrail
    Fetch.ai
    NuCypher
    Polymath
    Cartesi
    Function X
    Numeraire
    COTI
    NKN
    Civic
    Orchid
    iExec RLC
    Badger DAO
    Band Protocol
    Gala
    Rally
    PlayDapp
    Keep Network
    Rari Governance Token
    Alchemy Pay
    TrueFi
    Augur
    Orion Protocol
    Mirror Protocol
    Request
    Enzyme
    ARPA Chain
    LCX
    Balancer
    DFI.Money
    BarnBridge
    DerivaDAO
    Ampleforth
    Tellor
    Rarible
    district0x
    Assemble Protocol
    SUKU
    Harvest Finance
    Kryll
    Bounce Token (Old)
    mStable USD
    Kyber Network
    Internet Computer
    Origin Protocol
    Powerledger
    Ethereum Name Service
    Jasmy
    Tribe
    Braintrust
    Mask Network
    Alchemix
    Radicle
    Adventure Gold
    Clover Finance
    QuickSwap (Old)
    Gitcoin
    Rai Reflex Index
    GYEN
    Wrapped LUNA
    Wrapped Centrifuge
    Media Network
    BitDAO
    Vara Network
    Liquid Staked ETH
    Wrapped Ampleforth
    Binance Coin

    Anonymity

    Committed to regulatory compliance, Coinbase adheres to strict KYC and AML protocols, necessitating user identity verification and preventing the establishment of anonymous accounts.

    Reputation

    With a solid reputation, Coinbase is widely recognized for its reliability, ease of use, and regulatory adherence. As a publicly traded company, it holds a position of trust in the cryptocurrency market.

    Pros and Cons

    Low minimum deposit
    Offers a variety of assets
    Fast crypto withdrawals
    Lists smaller assets before other big exchanges
    User-friendly interface with intuitive design
    Higher fees than some other exchanges
    Support not available on bank holidays
    Controls customers' private keys
    Restricted to many countries
    Doesn't offer many advanced services

    The Crypto.com mobile app is a feature-rich platform that provides users with a convenient and user-friendly way to manage their cryptocurrency assets on the go. Offering a seamless experience, the app allows users to buy, sell, and trade a variety of cryptocurrencies.    

    General Information

    Year founded: 
    2016
    Coins Available: 
    Bitcoin
    Ethereum
    Polkadot
    Chainlink
    Cardano
    Crypto.com Coin
    XRP
    Enjin Coin
    Elrond
    Litecoin
    Uniswap
    VeChain
    Aave
    USD Coin
    Stellar
    ICON
    Bitcoin Cash
    Tezos
    Decentraland
    OMG Network
    Compound
    Curve DAO Token
    EOS
    yearn.finance
    Algorand
    Neo
    Cosmos
    Ren
    Band Protocol
    Wrapped Bitcoin
    Maker
    Qtum
    Celer Network
    Dai
    Basic Attention Token
    Kyber Network
    PAX Gold
    The Graph
    Loopring
    Ontology
    Tether
    Holo
    TrueAUD
    TrueGBP
    Stacks
    TrueCAD
    DIA
    Cronos
    Polkastarter
    Raiden Network Token
    TrueUSD
    Aavegotchi
    JOE
    USDP Stablecoin
    THETA
    Convex Finance
    TomoChain
    Oasis Network
    Casper
    OG Fan Token
    Chromia
    Argentine Football Association Token
    0x
    NEAR Protocol
    SC Corinthians Fan Token
    Waltonchain
    Universidad de Chile Fan Token
    Origin Protocol
    COTI
    Boson Protocol
    Coin98
    MultiversX
    Efinity Token
    Illuvium
    Raydium
    Radicle
    XSGD
    dYdX
    Shiden Network
    Filecoin
    Safepal
    Flow
    Moonriver
    ARPA Chain
    Balancer
    Kadena
    Perpetual Protocol
    Dogecoin
    BENQI
    Gala
    UMA
    Immutable
    Dogelon Mars
    HoDooi.com
    Serum
    Pendle
    Jasmy
    Covalent
    Bancor Network Token
    XYO
    Badger DAO
    Ethereum Name Service
    Moonbeam
    Polygon
    VVS Finance
    Ontology Gas
    Kusama
    Powerledger
    Ethereum Classic
    Mines of Dalarnia
    Waves
    Storj
    Harmony
    Theta Fuel
    Biconomy
    Dash
    Orchid
    Ravencoin
    VeThor Token
    Gods Unchained
    Komodo
    Zilliqa
    Ark
    Chiliz
    TrueFi
    Ardor
    Solana
    Spell Token
    Stratis
    Livepeer
    Hedera Hashgraph
    Nano
    Amp
    SuperVerse
    Lisk
    Enzyme
    DappRadar
    Golem
    Helium
    API3
    Klaytn
    Arweave
    Keep Network
    Render Token
    Mina
    Vulcan Forged PYR
    BarnBridge
    Tectonic
    Smooth Love Potion
    Boba Network
    Quant
    IDEX
    Mask Network
    Keep3rV1
    Siacoin
    Beefy.Finance
    Songbird
    Augur
    IOST
    Polymath
    NuCypher
    Gitcoin
    Ocean Protocol
    Rally
    Ankr
    Fetch.ai
    Quickswap
    Avalanche
    Bluzelle
    Binance Coin
    Reserve
    Nervos Network
    My Neighbor Alice
    Contentos
    Harvest Finance
    aelf
    Synthetix
    PlayDapp
    Marlin
    SKALE Network
    Orion Protocol
    Gas
    Numeraire
    Frax Share
    IRISnet
    SushiSwap
    DeRace
    Kava.io
    NKN
    IoTeX
    Paxos Standard
    THORChain
    Yield Guild Games
    HUSD
    Ampleforth Governance Token
    Tribe
    Gemini Dollar
    1inch
    Request
    Audius
    The Sandbox
    WAX
    IQ
    Axie Infinity
    Adventure Gold
    Cartesi
    Venus
    Paris Saint-Germain Fan Token
    iExec RLC
    BakeryToken
    AC Milan Fan Token
    Injective Protocol
    PancakeSwap
    Juventus Fan Token
    Tellor
    SHIBA INU
    AS Roma Fan Token
    Chia
    Internet Computer
    Binance USD
    DigiByte
    Ellipsis
    MovieBloc
    Auto
    Acala Token
    Qredo
    Fantom
    Aergo
    APEcoin
    Merit Circle
    Alchemix
    Stella
    Reef
    Crypterium
    Astar
    WEMIX
    Aurora
    Measurable Data Token
    Tranchess
    MM Finance
    Voxies
    Step App
    Splintershards
    SuperRare
    Kryll
    FLUX
    Akash Network
    Rarible
    Optimism
    Lido DAO Token
    FC Barcelona Fan Token
    Status
    Zebec Protocol
    UniFi Protocol
    WOO Network
    MXC
    Ferro
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    Alchemy Pay
    Gnosis
    Highstreet
    CUDOS
    Ooki Protocol
    Stargate Finance
    ZED Token
    Minted
    Terra Classic
    GMX
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    Osmosis

    Anonymity

    If you use the Crypto.com wallet for storing your cryptocurrencies, your wallet address and transaction history can be viewed on the blockchain. However, this information is typically not directly linked to your personal identity on the Crypto.com app. If you buy cryptocurrencies with a credit or debit card on Crypto.com, the transaction may be associated with your card details and identity.    

    Reputation

    Crypto.com has generally maintained a positive reputation in the cryptocurrency industry. It has gained credibility by adhering to security standards, obtaining necessary licenses, and implementing features to protect user funds.    

    Pros and Cons

    Extensive list of supported cryptocurrencies
    Transparent and competitive fees
    Hardware wallet support for Crypto.com wallet
    With their Visa cards, you can spend your crypto and earn rewards
    Easy to purchase NFTs on the platform using either fiat or certain cryptos
    Higher fees for those who don't hold and use CRO
    Poor customer service
    Confusing trading fee discounts tiers
    Lack of educational resources
    Slow in-app live support

    Disclaimer: The information provided on this website is for informational purposes only and should not be considered as financial, investment, or legal advice. Cryptocurrency investments are volatile and high-risk in nature. Consult with a qualified financial advisor and/or tax professional before making any investment decisions. We are not responsible for any loss incurred due to the use of information on this website. Do your own research and exercise caution. Don’t invest unless you’re prepared to lose all the money you invest.
     

    How to Buy Bitcoin With a Credit or Debit Card Step-by-Step

    Buying BTC with a credit or debit card is possible with many providers. Here are the specific steps to follow:
     

    1. Choose a Reputable Exchange

    Selecting a trustworthy exchange is crucial for security and reliability. Research and compare different platforms to find one that suits your needs. 

    Start by checking our KuCoin review to see what KuCoin offers. Then, move on to the Kraken review to compare the two.

    Most well-established platforms support credit and debit card payments today. However, not all have the same fees or reputation in the community.

    Check their ratings, join Telegram groups, and follow multiple exchanges on social media. Get in touch with the community on Reddit, and see how responsive their support teams are.
     

    2. Create and Verify the Account

    Once you select your preferred exchange, you’ll likely have to pass the Know Your Customer (KYC) process and verify your account. For this, you’ll need your ID, a mobile phone, and alternatively, proof of address.

    Exchanges do this because they need to follow the Anti-Money Laundering (AML) procedures.

    Still, there’s a benefit for you – you’ll gain unlimited access to all the platform’s features. There will also be no limit to your deposits and withdrawals.
     

    3. Navigate to the Buy Section

    Once verified, navigate to the "Buy" or "Trade" section of the exchange platform. There, you’ll see options, prices, and get access to purchase BTC and crypto with a credit/debit card.

    Here, you may also see several trading options (instant buy, market or limit orders), depending on the platform you’re using. For example, in our Crypto.com review, you’ll notice that buying BTC/crypto happens in seconds with instant buy feature.

    This section also includes other cryptos. If you wish to buy Shiba Inu (SHIB), all you have to do is look for it here.
     

    4. Select Bitcoin and Enter the Amount

    Buying crypto with a credit card is easy now. Choose Bitcoin as the cryptocurrency you want to buy and enter the amount you wish to purchase. The platform will prompt you to the next step.
     

    5. Choose Credit/Debit Card Payment

    Select the option to pay with a credit or debit card when prompted. Make sure you have your card at hand, so you can verify the CVV/CVC code, account number, or anything else you need.
     

    6. Input Card Details and Confirm

    Enter your card details as required and follow the prompts to confirm the transaction. Depending on the platform, your purchase might go through a payment processor. 

    In some cases, you may have to pass an ID check one more time, so have your documents ready just in case. 

    When a platform is using another payment processor, the transaction might take a while. However, if you want to buy BTC with a credit card directly from an exchange, it may take seconds.
     

    7. Transfer Bitcoin to Your Wallet

    After the purchase is complete, you’ll see BTC or selected crypto in your wallet. This is your wallet on the exchange, which is not always the safest storage option. Unfortunately, even the most secure crypto exchanges can be hacked.

    Instead, you’ll want to transfer your holding to a personal wallet. Only you will have access to this wallet, and you will control your holdings. This Ledger review explains why some wallets are better than others.
     
     

    Alternative Ways to Buy Bitcoin & Crypto With Credit/Debit Card

    In case you want to go beyond crypto exchanges or wallets, there are other places where to buy Bitcoin with a credit card. 

    The other easy way involves PayPal or CashApp. Buying crypto with PayPal is easy – all you have to do is follow the steps within the app. 

    If you wish to buy BTC with Cash App, you can use the exchanges that support that payment method.

    It’s even possible to buy crypto on Venmo. Fund your account with a credit/debit card and you can start investing with as little as $1.

    If you’re a fan of traditional investing but want to dip your toes in BTC and crypto, look for stockbrokers like Robinhood, Fidelity, or eToro. This way, you can diversify your portfolio.

    Then, there are Bitcoin ATMs. These physical devices usually accept debit cards, but some will let you use credit cards as well.
     
     

    What To Consider Before You Buy Bitcoin With a Credit Card

    Before buying Bitcoin with a credit card, consider these factors:
     

    • Check the interest rates associated with using your card for crypto purchases
    • Be mindful of the fees charged by both your credit card provider and the crypto exchange
    • Understand the potential impact on your credit score
    • Prioritize platforms with security measures to safeguard your personal and financial information
    • Be aware of any buy limits imposed by your credit card provider or the exchange
    • Keep an eye on BTC prices, as they can fluctuate and affect the cost of your Bitcoin purchase

     

    Interest Rates

    Interest rates on credit card purchases for Bitcoin can significantly impact the overall cost. They may lead to higher expenses if not paid off promptly. It's crucial to be aware of these rates. They can vary depending on your credit card provider and the terms of your agreement.
     

    Fees

    When buying Bitcoin with a credit card, it's essential to consider the various fees involved. These fees can vary, and there's hardly a way to buy BTC without fees today. Some include:
     

    • Transaction fees
    • Conversion fees
    • Withdrawal fees

    Be aware that fees may differ even on the best crypto exchanges. For example, Coinbase is known for having higher fees compared to other exchanges. 

    Understanding and comparing these fees can help you choose the most cost-effective option.
     

    Credit Score Impact

    Using a credit card to purchase Bitcoin may have implications for your credit score. Some credit card companies categorize cryptocurrency purchases as cash advances. 

    This can result in higher interest rates and fees. It's important to understand how these transactions will affect your creditworthiness before proceeding.
     

    Security

    Cyber threats and hacking attempts are common in the crypto space. Prioritizing security when buying Bitcoin with a credit card is paramount. Look for platforms that offer robust security measures. Our Uphold review gives a glimpse into how secure exchanges should be.

    Research the reputation of the exchange you intend to use. Consider reliability, customer service, and past security incidents. Like we mentioned in our Binance review, things have changed for this crypto exchange, so you need to stay on your toes.

    Two-factor authentication and cold storage for funds are some basic standards you’ll want to use. Protecting your assets and personal information from cyber threats and unauthorized access should be your top priority.
     

    Purchase Limits

    Be mindful of any purchase limits imposed by your credit card provider or the exchange. These limits may restrict the amount of Bitcoin you can buy in a single transaction or within a certain timeframe.

    Understanding and adhering to these limits can help you plan your purchases effectively. Remember, you may lift some of your purchasing limits with account verification.
     

    Exchange Rates

    Exchange rates can fluctuate rapidly and impact the cost of your Bitcoin purchase. Monitor these rates closely.

    Timing your transactions accordingly can help you optimize your investment. Be prepared for variations in the amount of cryptocurrency you receive for your investment based on prevailing exchange rates.

     

    What To Consider Before You Buy Bitcoin With a Debit Card

    If you wish to buy Bitcoin with a debit card, know the process is a bit easier. Most exchanges accept debit cards and you won’t have a problem with a card issuer. Still, pay attention to the following:
     

    • Debit cards also include some fees and costs
    • Just like with credit cards, you should be vigilant about security
    • Using a debit card may require some ID verification, but that’s not always the case
    • Exchange rates apply just like they do for credit cards
    • Withdrawal options differ for each exchange
    • Your financial situation is important since you won’t be using credit to buy crypto

     

    Fees and Costs

    Different platforms charge varying fees for debit card transactions. Be aware of the fees associated with buying Bitcoin using your debit card. Pay attention to transaction fees, conversion fees, and other charges.
     

    Security Measures

    Verify the security measures in place on the chosen platform, just like you would for a credit card. Look for features such as two-factor authentication (2FA), cold storage for funds, and encryption to protect your account and assets.
     

    Verification Process

    Understand the verification process required by the exchange. Debit card transactions on centralized also involve identity verification, so be prepared to provide the necessary documents to comply with Know Your Customer (KYC) requirements. Some of the best decentralized exchanges may not request this information.
     

    Exchange Rates

    Be aware of the exchange rates provided by the platform. Rates can vary between exchanges, and some platforms may charge a premium on the market price.
     

    Withdrawal Options

    Understand the withdrawal options available. Some platforms may allow you to transfer your Bitcoin to external wallets, while others may require you to keep your funds on the platform.
     

    Personal Financial Situation

    Consider your financial situation and whether using a debit card aligns with your budget and financial goals. Keep in mind that debit card transactions are directly linked to your bank account. While you won’t be repaying a loan, you will be spending a part of your potential savings.
     
     

    Buying Bitcoin - Credit Card vs. Debit Card

    When exploring how to buy Bitcoin online with a debit card, note the differences between a credit card and a debit card.
     

    Buying BTC & Crypto - Credit Vs. Debit Cards

    Credit Card

    Debit Card

    Credit cards offer instant purchasing power

    Debit cards are typically limited to the funds available in your bank account, preventing overspending and potential debt accumulation

    Using a credit card may involve higher interest rates compared to debit cards

    While some debit cards may have transaction fees, they are generally lower compared to credit cards

    Some credit card companies categorize cryptocurrency purchases as cash advances

    Since debit cards draw funds directly from your bank account, there are no interest charges associated with using them for Bitcoin purchases

    Certain credit cards offer rewards or cashback for purchases

    Using a debit card provides direct access to your funds without borrowing, reducing the risk of accumulating debt

    Ultimately, the choice between using a credit card or debit card for buying Bitcoin depends on you. Consider personal financial situations, spending habits, and preferences of interest rates and rewards.
     

    How Will a Bitcoin or Crypto Purchase Appear on My Statement?

    Banks can easily track and monitor your account, so they’ll likely see if you bought crypto with your credit or debit card. However, the info that appears on your statement depends on the platform you use. 

    If you use a centralized exchange, your bank statement might show:
     

    • Vendor: ABC Exchange
    • Transaction Type: Purchase
    • Amount: [Amount in your local currency]

    Specific details will vary since some exchanges have unique names or codes that show up on your statement. Some banks may include a reference to the cryptocurrency itself.

    For example, if you’re looking into the best XRP exchanges and you buy Ripple (XRP), your credit/debit card statement may include the XRP ticker. 
     
     

    What If You Can’t Afford To Buy A Whole Bitcoin?

    What if your credit card limit is much lower than the price of Bitcoin? What if you don’t have enough on your debit card for 1 BTC?

    Although the price of Bitcoin is volatile and has bounced around a wide range, it has tended to command a price in the many tens of thousands of US dollars per BTC. 

    This price is often beyond the limit of most credit and even many debit cards but don’t panic.

    You can still buy Bitcoin with a credit or debit card because you can purchase any portion of BTC that suits your budget - you simply determine how much you can afford and your chosen exchange will assign the equivalent fraction of BTC to your account. 

    So your first purchase can be 0.5 BTC, 0.1 BTC, 0.05 BTC or even 0.01 BTC - or a BTC subunit, it’s up to you. 
     

    Did You Know? Bitcoin Subunits Are Called Satoshis

    When Satoshi launched BTC back in 2009, he also thought of how to split BTC into subunits. That’s why every Bitcoin has 100 million Satoshis (sats). 

    Think of sats as the dollars and cents, pounds and pence, Swiss Francs and Rappen. With sats, you can invest in a piece of Bitcoin without having to spend a fortune.
     
     

    That’s Not All

    Once you have successfully invested in crypto and Bitcoin, you can use some of the best crypto interest and savings accounts to try to repay the interest on your credit card.

    If you got into DeFi coins, you can explore the best crypto and Bitcoin lending sites to earn more on your holdings.

    Take note of the legal aspect of crypto in your country. The best crypto exchanges in Canada might be the same as the best crypto exchanges in the UK, but your services and access to features may differ.

    Some platforms like Gemini offer crypto rewards cards. You can fund those cards with your debit card and enjoy additional benefits.

    Finally, if you’re more into trading than holding, check out some of the best crypto trading platforms with leverage. These might help you get started with trading easily, as soon as you fund your account. 
     
     

    Why Trust Us?

    We bring a wealth of experience and expertise to the table. With years of involvement in the cryptocurrency space, we have navigated its ups and downs. We constantly hone our understanding of the market and its intricacies.

    Our recommendations stem from thorough research and analysis from our experts. When we talk about how to buy crypto with a debit card, we have made a purchase before you and tested the waters.

    We only endorse platforms and practices that we genuinely believe in. Moreover, our commitment to transparency and integrity means that you can rely on us.

    Cryptomaniaks provides unbiased, trustworthy information that empowers you to make informed decisions in your crypto journey and learn how to buy crypto with a credit card.

    Frequently Asked Questions

    Can I Buy Bitcoin With My Credit Card Anonymously?

    Most exchanges require identity verification, eliminating anonymity in transactions. Your personal information is typically required to comply with regulatory requirements.

    Does Every Credit Card Work for Buying Bitcoin?

    No, not all credit cards are accepted for purchasing Bitcoin. Some card issuers may block cryptocurrency transactions or impose restrictions. Check with your card issuer to confirm its compatibility with cryptocurrency purchases.

    Should I Use Visa or MasterCard to Buy Bitcoin?

    Either Visa or MasterCard can be used for buying Bitcoin, as most exchanges accept both. Choose based on your card's terms and rewards. Additionally, consider any foreign transaction fees or rewards offered by your card provider.

    Is it Safe to Buy Bitcoin With a Credit Card?

    Generally, it's safe to buy Bitcoin with a credit card on reputable exchanges. However, be cautious of scams and ensure the platform has robust security measures in place. Verify the exchange's security protocols and user reviews before making a purchase.

    Why Can’t I Buy Crypto With My Credit Card?

    Some credit card issuers don’t support crypto-related transactions. Besides, you may have insufficient funds, spending limits, mismatched details, or other issues. Before buying crypto with your credit card, get in touch with your bank to ensure you can conduct this purchase.

    Where To Buy Crypto With Credit Card Without KYC?

    Most crypto exchanges will require that you pass the Know Your Customer (KYC) verification process to use their features. You may find an exchange that doesn’t require KYC, but your deposit and withdrawal thresholds will likely be limited. Plus, exchanges that don’t follow these and other anti-money laundering practices could turn out to be scams.

    Written by

    Rica was a local news writer in the Philippines from 2011 to 2019. During the 2020 COVID pandemic, she fell in love with cryptocurrency and expanded her writing expertise to blockchain, NFTs, Web3, and FinTech. She is also well-versed in the financial markets, specializing in daily market news and price predictions. When she’s not writing, you’ll find her singing and dancing to K-Pop music!

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