How To Buy Bitcoin (BTC) With a Credit Card: Steps to Take in 2024

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Mileva Stankovic, Ramsha Naushad

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Are you keen on discovering how to buy Bitcoin with a credit card in 2024? You've come to the right place!

In this guide, I'll lead you through the entire process. I'll make it accessible for anyone interested in getting crypto with a credit card.

Here's what we'll cover in this extensive guide:

  • How to purchase Bitcoin using a credit card
  • The advantages and disadvantages of buying cryptocurrency with credit cards
  • Is it possible to buy Bitcoin with a credit card?
  • What steps to take after purchasing Bitcoin

Are you prepared to embark on this journey of acquiring Bitcoin?

Let's get started!

Best Sites



Exchange Rating 9.5
Available in
Available in United States

Kraken is one of the oldest exchanges out there, having been around since 2011. They offer many trading interfaces and are extremely trustworthy.

General Information

Year founded: 
Coins Available: 
Bitcoin Cash
USD Coin
Curve DAO Token
The Graph
Keep Network
Basic Attention Token
OMG Network
Ethereum Classic
Kyber Network
PAX Gold


Kraken is a registered US exchange, so they must follow strict KYC & AML laws. These laws prohibit anonymous accounts from being generated.


Kraken has one of the best reputations in the crypto industry. They are the only crypto company in the world to secure an SPDI banking license. 



Exchange Rating 7.7
Available in
Available in United States

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


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


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

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.

Why Trust Us

At CryptoManiaks, we're your trusted source for all things crypto. Our team has meticulously analyzed Bitcoin trading platforms, delving into thousands of data points from reliable sources.

With hands-on experience as active traders on multiple exchanges, we've thoroughly examined crucial aspects like security, features, and fees. We confidently believe that the highlighted crypto exchanges on this page stand out as the finest options available. 

Rely on CryptoManiaks for a seamless and informed journey in purchasing Bitcoin with your credit card.


Key Takeaways


  • Choose a reputable exchange facilitating credit card transactions for Bitcoin purchases
  • Understand fees, rates, and limits associated with credit card transactions on the chosen exchange
  • Set up a secure cryptocurrency wallet to safeguard digital coins
  • Confirm credit card eligibility for international transactions to ensure smooth processing
  • Register on the chosen exchange, add a credit card, place an order, review and confirm the purchase, and wait for confirmation
  • Prioritize safety with 2FA, consider hardware wallets, and update passwords regularly


Pros and Cons of Buying BTC With Credit Card


Pros and Cons of Buying BTC and Crypto With Credit Card
Pros Cons
Convenient and swift process. Allows for the instant acquisition of digital assets Credit card transactions for Bitcoin often come with higher fees
Credit card transactions make Bitcoin available to those without traditional banking services Some credit card issuers may treat cryptocurrency purchases as cash advances, resulting in additional fees and higher interest rates
Users can quickly participate in market opportunities The time it takes for credit card transactions to process exposes buyers to Bitcoin's price fluctuations
Some credit cards provide additional benefits for cryptocurrency purchases Regular use for Bitcoin purchases may impact the user's credit score
Credit cards facilitate buying and investing in Bitcoin from anywhere Credit card purchases of Bitcoin may be subject to limits
Credit card transactions often come with built-in protection for buyers  
Buying Bitcoin with a credit card is accessible to individuals with varying technical expertise  



Getting Started with Your Purchase

If you're contemplating using your credit card to acquire cryptocurrency, here's how you can get ready:

Research and choose a reputable cryptocurrency exchange

It's vital to find a trustworthy platform that facilitates credit card transactions for crypto purchases. Not all exchanges offer this feature, so choose wisely.

Familiarize yourself with exchange fees, rates, and limits

Gain an understanding of the associated costs, the maximum purchase amount, and the current exchange rate. Be aware that fees may differ even on the best crypto exchanges.

Set up a secure cryptocurrency wallet

Think of a digital wallet as the equivalent of a bank account for your crypto assets. It's crucial for safeguarding your digital coins.

Confirm your credit card's eligibility for international transactions

Ensure with your credit card provider that it can be used for purchasing crypto from an international exchange. This step guarantees a smooth transaction process.

Now that you've completed these preparations, let's proceed to explore the step-by-step process of making this transaction with your credit card.

Step-by-Step Guide to Purchasing Crypto with Credit Cards

Are you eager to discover how to acquire Bitcoin and other coins using your credit card? I've broken down each step into easy-to-follow segments to make this process a breeze.

1. Register on your chosen cryptocurrency exchange

Seek out a reputable exchange platform. Click on the "Sign Up" or "Register" button, and provide your email address and password.

2. Add a credit card

Link your credit card to your exchange account. Log in to your account, locate the section for adding a payment method, and select "Credit Card."

Verify the card and guard against fraud. Enter your card details, including the card number, CVV, expiration date, and billing address. This helps authenticate your card and securely link it. Depending on your card and the exchange, you may need to perform a small confirmation transaction.

3. Place an order

Access the trading or buy/sell section. Once your credit card is linked, navigate to the exchange's trading area.

Select Bitcoin or another desired cryptocurrency. Locate it in the list of available cryptocurrencies and click on it. Specify the amount of Bitcoin you wish to purchase, typically in US dollars or your preferred currency.

When making the payment, select your linked credit card.

4. Review and confirm the purchase

Before finalizing the transaction, carefully review all information. Ensure the amount is accurate and verify the exchange rate.

If everything checks out, click the confirm button. The exchange will provide you with a summary of your purchase for your records.

5. Wait for confirmation

Note that transactions require approval from the network. This process is known as "confirmation," and can take anywhere from 5 to 30 minutes.

Keep an eye on the progress by logging back into your exchange account. The status of your transaction will change from "Pending" to "Completed" once your crypto is successfully purchased.

Prioritizing Safety and Security 

In the realm of Bitcoin, ensuring the safety and security of your assets is of utmost importance. Here are key practices to bear in mind:

  • Employ two-factor authentication (2FA): Think of 2FA as an extra shield for your accounts. It introduces a second step in your login process, often involving a code sent to your phone.
  • Utilize hardware wallets for added security: Picture a hardware wallet as a secure vault for your digital assets. This physical device stores your coins offline, safeguarding them from potential online threats.
  • Regularly update passwords and follow security best practices: Ensure your passwords are robust and distinct for each service you use. Additionally, keep your computer and software up-to-date.
  • Beware of phishing attempts and scams: Remain vigilant against deceptive tactics aimed at swindling your cryptocurrency. Always double-check website URLs and never disclose your private keys.


Understanding Fees and Costs

Every valuable service typically comes with associated costs. Familiarize yourself with exchange fees for credit card transactions. When purchasing Bitcoin with your credit card, the exchange may impose a nominal fee.

Consider additional fees linked to credit card purchases. Credit cards might have their own fees for using them to acquire Bitcoin. These fees can vary based on your card provider.

Instead of focusing solely on one fee, take a holistic view. Factor in all potential fees that you may encounter throughout the transaction process.

Tips for Successful Transactions

To make the most of your Bitcoin journey, ensure you follow these key tips:

Monitor the market for advantageous exchange rates

Stay vigilant and keep an eye on the market. Look for the right moment to buy Bitcoin when exchange rates are in your favor. Patience can lead to more favorable outcomes.

Avoid impulsive purchases and conduct thorough research

Resist the urge to make hasty decisions driven by FOMO (Fear of Missing Out). Instead, invest time in thorough research and careful planning before making any purchases. Knowledge is a powerful tool in the world of cryptocurrency.

Explore alternative payment methods for larger purchases

When making substantial Bitcoin transactions, consider looking into alternative payment methods. They may offer more favorable rates or lower fees, akin to seeking out a good deal while shopping. For example, you can find the exchange that supports PayPal payments.

Maintain transaction records for tax purposes

Just like in traditional finance, taxes play a role in the world of cryptocurrency. Keep a meticulous record of your transactions. This foresight will save you headaches when tax season comes around.

You’ve Bought Bitcoin: What’s Next?

After successfully purchasing Bitcoin with your credit card, it's time to prioritize the security of your digital assets. Consider utilizing a cold wallet for added safety. However, if you plan to trade actively, maintaining a portion of your holdings on the exchange is advisable.

Next, explore the diverse potential uses of Bitcoin and other cryptocurrencies. You can hold it as an investment, use it for transactions, or engage in trading. Familiarize yourself with these options for a better experience.

Diversify your portfolio with at least five different cryptocurrencies to spread risk and ensure a balanced investment strategy.

Stay vigilant and well-informed about market trends and regulatory shifts. The cryptocurrency landscape and associated regulations can evolve rapidly. This knowledge empowers you to make informed decisions in this dynamic environment.

You've now mastered the process of buying Bitcoin with a credit card. From setting up your account to securing your digital assets, you're well-prepared. 

Always prioritize security through measures like two-factor authentication and hardware wallets. Understand the fees associated with credit card transactions. Be aware of the benefits and potential considerations, including transaction speed and accessibility.


What is Bitcoin?

Bitcoin was introduced in 2009 by the mysterious pseudonym Satoshi Nakamoto. It revolutionized the financial landscape. It is the pioneer of cryptocurrencies, marking a paradigm shift in how we perceive and transact with money.

Operated on a decentralized ledger known as blockchain, Bitcoin is not governed by any central authority. Instead, transactions are validated by a network of computers, ensuring security and transparency.

With a capped supply of 21 million coins, Bitcoin is a finite resource. This limit sets it apart from traditional fiat currencies. Its digital nature, devoid of physical form, makes it easily transferable across borders. This gives access to a global audience.

While Bitcoin's price volatility is well-known, it has emerged as a store of value and a hedge against inflation. As institutional interest grows, Bitcoin's role in the financial ecosystem continues to evolve. It has the power to shape the future of finance.

Pros and Cons of Bitcoin

Before delving deeper into the Bitcoin world, you may want to know its pros and cons:
BTC Pros and Cons
Pros Cons
Decentralization Price volatility
Limited supply Regulatory uncertainty
Security Scalability issues
Transparency Energy consumption
Global accessibility Adoption challenges
Ownership control  
Inflation hedge  

Bitcoin operates on a decentralized network. It's not controlled by any central authority or government. This can provide a level of financial freedom and security. Bitcoin has a capped supply of 21 million coins. This scarcity can potentially protect against inflation and devaluation. The blockchain technology underlying Bitcoin employs strong cryptographic techniques. This makes it highly secure against fraudulent activities. All Bitcoin transactions are recorded on a public ledger, allowing anyone to verify them. This transparency can build trust in the system.
Bitcoin can be used and accessed by anyone with an internet connection. With Bitcoin, users have full control over their funds. They can send, receive, and store Bitcoin without the need for intermediaries like banks. Some view Bitcoin as a hedge against inflation and economic instability, especially in regions with volatile local currencies.


Bitcoin's value can be highly volatile, which can lead to rapid price fluctuations. This volatility can be a challenge for those seeking stability in their investments. The regulatory environment for cryptocurrencies varies by country and can change rapidly. This uncertainty can impact the ease of using and trading Bitcoin. Bitcoin's current technology has limitations on the number of transactions it can process per second. This has led to debates about how to scale the network for broader adoption.

The process of mining Bitcoin, which involves validating transactions, requires significant computational power and energy. This has raised concerns about its environmental impact. Unlike traditional bank accounts or credit cards, Bitcoin transactions are irreversible. If a mistake is made, it can be challenging or impossible to recover funds. While the blockchain technology underlying Bitcoin is secure, individual users are still vulnerable to hacks, scams, and phishing attacks. Despite growing popularity, Bitcoin is not yet universally accepted as a form of payment. Its adoption as a mainstream currency may take time.

While Bitcoin has its advantages and disadvantages, it remains a dynamic and evolving asset class. Potential investors should conduct thorough research. They should consider their risk tolerance before getting involved in the cryptocurrency market.

Final Word

Learning how to buy Bitcoin with a credit card is often a swift process, enabling quick entry into the market. Many reputable cryptocurrency exchanges accept credit card payments, enhancing accessibility for beginners. Additionally, using a credit card allows for immediate transactions. You can do this without the need for a bank transfer.


However, it's crucial to be aware of the potential downsides. Buying BTC with a credit card may incur higher fees compared to other payment methods. The volatility of Bitcoin prices can lead to unexpected fluctuations in credit card debt. Security concerns, such as the risk of fraud or hacking, also warrant caution. Implement strong security measures, and only invest what you can afford to lose. 


Frequently Asked Questions

What happens when you buy Bitcoin with a credit card?

When you choose to buy Bitcoin with a credit card, you'll need to select a platform that enables such transactions. It's important to note that the transaction isn't instantaneous. The exchange requires some time to ensure the transaction's legitimacy and security.

What are the fees associated with buying Bitcoin using a credit card?

When buying Bitcoin with a credit card, fees typically include a transaction fee by the exchange, a possible cash advance fee from your credit card company, and foreign currency conversion fees. Check with both the exchange and your credit card provider for specific details before making a purchase.

Why doesn't my credit card work for Bitcoin?

If your credit card isn't working when attempting to buy Bitcoin, there could be two reasons. Either the credit card doesn't support such purchases, or the exchange you're using doesn't accept credit cards. Before using a credit card, ensure it's compatible with Bitcoin purchases. Additionally, choose an exchange that allows card payments.

Can I use any credit card to buy Bitcoin?

Yes, you can use any major credit card, like Visa or Mastercard, to buy Bitcoin. Most leading cryptocurrency exchanges have streamlined the process, allowing easy integration with various credit card providers.

Can I buy fractional amounts of Bitcoin with a credit card?

Certainly! In [current:year], it's easy to buy fractional amounts of BTC using your credit card. Many platforms offer this option, making Bitcoin investment affordable and inclusive. Simply enter the desired amount, and the platform calculates the corresponding fraction based on the current market value.


What are the steps to buy Bitcoin with a credit card?

To buy Bitcoin with a credit card: check card compatibility, choose a reputable exchange, create an account, verify your identity, navigate to the "Buy" or "Trade" section, select Bitcoin, enter the amount, choose the credit card option, provide details, and confirm the transaction. Wait for processing, and your Bitcoin will be credited to your wallet.

Written by

Mileva Stankovic

When Mileva invested in Bitcoin at the end of 2017, she never believed she’d end up becoming so focused on crypto. Today, she's investing in various coins and playing Texas Hold 'em with passion. 

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