How To Buy Crypto With a Credit Card: Steps to Take in 2024

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Mileva Stankovic, Ramsha Naushad

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Are you interested in learning how to buy crypto with a credit card in 2024?

You're in the right place! 

In this guide, I'll walk you through the entire process, making it accessible to anyone keen on acquiring crypto with a credit card.

Here's what I'll cover in this comprehensive guide:

  • How to buy crypto with a credit card
  • Pros and cons of buying cryptocurrency with credit cards
  • Can you buy Bitcoin with a credit card?
  • What to do after buying Bitcoin

Are you ready to dive in and kickstart your journey in buying cryptocurrency? 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.

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Choose CryptoManiaks for your credit card crypto purchases with confidence. Our dedicated team rigorously analyzes platforms, ensuring accuracy from reputable sources. With hands-on trading experience, we assess security, features, and fees, presenting only the finest options on this page.

Count on CryptoManiaks for a trusted, streamlined approach to buying cryptocurrencies with your credit card.

Key Takeaways


  • Prioritize reliability when selecting a platform for credit card crypto purchases
  • Familiarize yourself with exchange costs, transaction limits, and fees from both the exchange and your credit card provider
  • Establish a secure wallet to protect your digital assets—akin to a bank account for cryptocurrencies
  • Ensure your credit card is eligible for international transactions for a smooth process
  • Register, add a credit card, place an order, review and confirm, and wait for transaction confirmation
  • Embrace 2FA, use hardware wallets, update passwords, and stay cautious against phishing attempts


Pros and Cons of Buying Crypto With Credit Cards

Now, let's explore the advantages and disadvantages of using credit cards for purchasing digital assets:

Buying BTC With Credit Cards - Pros and Cons
Pros Cons
Buying crypto with a credit card is as straightforward as online shopping, making the process user-friendly Credit card transactions for crypto purchases often come with elevated fees
It broadens the accessibility of cryptocurrencies to a wider audience Certain credit card issuers categorize crypto purchases as cash advances, resulting in extra fees and higher interest rates
Acquiring crypto through a credit card is a relatively swift process, providing you with access to your digital assets promptly Sometimes, the processing time for credit card transactions exposes buyers to the fluctuating prices of cryptocurrencies
Credit card transactions come with inherent security measures Regular use of credit cards for crypto purchases may influence the user's credit score
Users can promptly engage in market opportunities with immediate ownership Credit card transactions for buying crypto may have imposed limits
Some credit cards offer additional benefits for cryptocurrency purchases, enhancing the overall value  


Getting Ready for Your Purchase

If you're considering using your credit card to buy cryptocurrency, here's how you can prepare:

  • Research and select a reputable cryptocurrency exchange: It's crucial to find a reliable platform that allows you to purchase crypto with your credit card. Not all exchanges offer this option, so choose wisely.
  • Familiarize yourself with exchange fees, rates, and limits: Understand the associated costs, the maximum amount you can buy, and the exchange rate. Keep in mind that fees can vary between different exchanges.
  • Establish a secure cryptocurrency wallet: A digital wallet is essential for safeguarding your digital coins. Think of it as a digital equivalent to a bank account for your crypto assets.

Confirm your credit card's eligibility for international transactions: Verify with your credit card provider whether it can be used for purchasing crypto from an international exchange. This step ensures a seamless 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 ready to learn how to buy Bitcoin and other coins using your credit card? I've broken down each step into easy-to-follow pieces to make this process a breeze.

Account Creation

Register on your chosen cryptocurrency exchange: Look for a reputable exchange platform. Click on the "Sign Up" or "Register" button, and provide your email address and password.

Adding 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 protect against fraud. Enter your card details including the card number, CVV, expiration date, and billing address. This helps verify your card's authenticity and links it securely. Depending on your card and the exchange, you may need to perform a small confirmation transaction.

Placing 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.

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.

Wait for Confirmation

Note that transactions require approval from the network, a process known as "confirmation," which 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.

Ensuring Safety and Security

In the world of cryptocurrency, prioritizing safety and security is paramount. Here's what you should keep in mind:

  • Embrace two-factor authentication (2FA): Consider 2FA as an additional layer of protection. It introduces a second step to your login process, often involving a code sent to your phone.
  • Use hardware wallets for enhanced security: Think of a hardware wallet as your confidential vault. This physical device stores your digital coins offline, safeguarding them from potential online threats.
  • Practice regular password updates and maintain security best practices: Just like changing the locks on your doors, make it a routine to update your passwords. Ensure they are strong and unique for each service you utilize. Additionally, keep your computer and software up-to-date.

Exercise caution against phishing attempts and scams. Individuals are attempting to deceive you into losing your cryptocurrency. Always double-check website URLs and never disclose your private keys.

Understanding Fees and Expenses

Every valuable service typically comes with associated costs. Here's what you need to be aware of:

  • Familiarize yourself with exchange fees for credit card transactions
  • Consider additional fees linked to credit card purchases
  • Evaluate the overall transaction cost


Tips for Successful Transactions

To make the most of your crypto journey, make sure you follow several tips:

Monitor the market for advantageous exchange rates

Stay vigilant and keep an eye on the market. Look for opportune moments to buy Bitcoin when exchange rates are in your favor. Exercise patience as it 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.

Maintain transaction records for tax purposes

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


What Is Cryptocurrency?

Cryptocurrency started with Bitcoin which was created in 2009 by an anonymous person or group using the pseudonym Satoshi Nakamoto.

Cryptocurrency is a digital or virtual form of currency that uses cryptography for security. 

Cryptocurrencies are decentralized. They typically operate on a technology called blockchain. This transparency can enhance trust in the system.

That is a distributed ledger that records all transactions across a network of computers. Cryptocurrencies are not controlled by any central authority. Instead, they rely on a distributed network of computers (nodes) to validate and record transactions. Cryptocurrencies use cryptographic techniques to secure transactions and control the creation of new units. This makes it difficult for unauthorized parties to manipulate the system

Cryptocurrencies exist only in digital form and have no physical counterparts like banknotes or coins. Users are typically represented by pseudonymous addresses rather than personal information. This provides a level of privacy. Cryptocurrencies can be used and accessed by anyone with an internet connection, regardless of their location. Many cryptocurrencies have a fixed supply, meaning there is a maximum number of coins or tokens that can ever be created. For example, Bitcoin has a capped supply of 21 million coins.

Cryptocurrency prices can be highly volatile. This volatility can present both opportunities and risks for investors. Finally, cryptocurrencies can be used for various purposes. They are a medium of exchange, store of value, investment, and smart contracts.

Some of the most well-known cryptocurrencies include: 
  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Ripple (XRP)
  • Litecoin (LTC)
Each cryptocurrency may have its own unique features and use cases.

The regulatory environment for cryptocurrencies varies by country. This can impact their use and legality in different regions.

Why Opt for Crypto?

Now, let's delve into the reasons why there's such a buzz around crypto. It is a new technology. People got curious and wanted to explore it, with some deciding to use Bitcoin as a hedge fund against inflation. Additionally, crypto is interesting, with many new and exciting projects being launched daily.

Nowadays, acquiring crypto has been made straightforward. You can easily buy it using your credit card. This accessibility opens up the world of cryptocurrencies to a wider audience.

While crypto is undoubtedly intriguing, it's crucial to grasp how it operates.

Let's delve further into the process of purchasing crypto with a credit card.


Now That You've Purchased Bitcoin, What's Next?

After successfully buying Bitcoin with your credit card, it's time to take some important steps. Prioritize the security of your digital coins. Following that, you can either choose to spend it or adopt a "HODL" strategy.

Safeguard your crypto with a cold wallet

Opt for a cold wallet, which operates offline and provides high-level security for your digital assets. However, if you wish to trade, know this won’t be the best option for you. Then, it’s best to keep a portion of your holdings on the exchange.

Explore various ways to utilize crypto

Bitcoin and other coins and tokens offer a range of possibilities. You can hold onto them, use them for transactions, or engage in trading. Familiarize yourself with these options and find what aligns with your crypto preferences.

Embrace diversification

As the saying goes, don't place all your crypto holdings in one basket. Ensure your portfolio includes a diverse range of at least five different cryptocurrencies. This approach helps spread risk and provides a more balanced investment strategy.

Stay updated on market trends and regulatory shifts

Remain vigilant and stay well-informed. The cryptocurrency market and associated regulations can experience rapid changes. Being aware empowers you to make informed decisions in this ever-evolving landscape.

Over To You

You've successfully explored how to buy crypto with a credit card. We've walked through every step, from setting up your account to ensuring the safety of your digital assets, and more.

Remember to give priority to security by utilizing two-factor authentication. Use hardware wallets, and maintain good online safety practices. Stay informed about the fees and costs linked to credit card transactions. 

Recognize the benefits of swift transactions and enhanced accessibility. Also, remain cautious of potential higher fees and security considerations.

Frequently Asked Questions

What cryptocurrencies can I buy with a credit card in 2024?

In [current:year], the crypto market offers a broad spectrum of options for credit card purchases. Established cryptocurrencies like Bitcoin, Ethereum, and Litecoin remain popular choices. Additionally, other altcoins like Ripple (XRP), Cardano (ADA), and Stellar (XLM) are now accessible through credit card transactions.

How long does it take for the purchased crypto to be available in my wallet?

When buying crypto with a credit card in [current:year], the time for the purchased crypto to be available in your wallet varies. Generally efficient, transactions complete within minutes. However, factors like network congestion and security checks can slightly delay availability, taking up to an hour in some cases.

Is it safe to buy cryptocurrency with a credit card?

Absolutely, buying cryptocurrency with a credit card in [current:year] is safe and secure. Reputable exchanges implement advanced encryption and multi-factor authentication to protect credit card information.

Who has the lowest fees for credit card transactions when buying crypto?

When seeking the lowest fees for credit card transactions in crypto purchases, consider platforms with innovative fee structures and strategic partnerships with credit card companies. Look for services that consistently strive to reduce transaction costs for users, making it a preferred choice for those aiming to minimize fees while seamlessly acquiring cryptocurrencies with their credit cards.

Are there any limits on the amount of crypto I can buy with a credit card?

There are generally no set limits on the amount of crypto you can buy with a credit card. As cryptocurrencies gain mainstream acceptance, financial institutions have adapted policies to accommodate larger transactions. However, individual banks and credit card issuers may still impose limits based on creditworthiness and transaction history.

What cryptocurrencies can I buy with a credit card?

The crypto market offers a broad spectrum of options for credit card purchases. Established cryptocurrencies like Bitcoin, Ethereum, and Litecoin remain popular choices. Additionally, emerging altcoins like Ripple (XRP), Cardano (ADA), and Stellar (XLM) are now accessible through credit card transactions.

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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