How To Buy Bitcoin With A Credit Card: 6 Safe Ways

Jan 1st, 2021Buying
Using a credit or debit card to buy Bitcoin is a simple, safe and fast method for people that don't have the option of a bank transfer due to local regulations, or, just want to buy Bitcoins instantly with a bank card. In this guide, we will provide an overview of reputable fiat to crypto exchanges that accepts Mastercard and VISA cards to buy Bitcoin.

How To Buy Bitcoin With A Credit Card

To buy Bitcoin with a credit card or debit card, follow these steps:
  1. Create an account with an exchange such as Coinbase
  2. Complete the identity verification process
  3. Select Bitcoin (BTC) from the cryptocurrency list
  4. Enter the amount of Bitcoin to buy
  5. Choose credit card or debit card as the payment method
  6. Enter in transaction details and complete Bitcoin purchase

Using A Credit Card To Buy Bitcoin

Finding a banking institution that accepts credit card transactions to acquire Bitcoin can be tricky. Not all banks allow it depending on the country. There are a few select third party providers such as Simplex that integrate with cryptocurrency exchanges to accept credit card payments. The advantages of using a credit card to buy Bitcoins include:
  • Fast and instant
  • Safe and secure
  • Convenient
  • Supported worldwide
In short, the advantages of using a credit card will suit beginner and new investors that want to quickly purchase a coin. The rapid transaction speed can be beneficial to quickly obtain a crypto before the fear of missing out on a potential price surge. There are also downsides with using credit cards to obtain cryptocurrencies. The biggest drawback is the service surcharge, which can range from 0% to up to 5% per transaction. This cost is in addition to the exchange trading fee, making it one of the more expensive payment methods.

Using A Debit Card To Buy Bitcoin

Similar to credit cards, using a debit card for Bitcoin transactions carries the same benefits. It is fast, reliable and convenient for investors all around the world with access to basic banking. This method usually carries lower fees than a credit card purchase.
The only disadvantage with this method is that not all banks will support using a debit card to acquire Bitcoin from an exchange. Several countries have regulations that prohibit the use of a debit card for investment or trading activities.

Best Credit/Debit Card Bitcoin Exchanges

Based on our reviews, these cryptocurrency exchanges are available worldwide and support multiple fiat currencies using a credit card or debit card.
ExchangeCrypto AssetsTrading FeesRatingPromotionWebsiteReview


Overall4.8/5StarStarStarStarEmpty Star
20% off trading feesVisit BinanceBinance Review


Overall4.8/5StarStarStarStarEmpty Star
$5 BTC bonus (USA only)Visit CoinbaseCoinbase Review


200+Spread only
Overall4.5/5StarStarStarStarEmpty Star
None available at this timeVisit eToroeToro Review

Overall4.5/5StarStarStarStarEmpty Star
None available at this timeVisit Review


84+0.25% / 0.16%
Overall4.2/5StarStarStarStarEmpty Star
None available at this timeVisit CEX.IOCEX.IO Review


Overall4.2/5StarStarStarStarEmpty Star
None available at this timeVisit ChangellyChangelly Review

Exchanges To Buy Bitcoin With Credit Card

Here is our summary of the top Bitcoin & cryptocurrency websites that offer credit card/debit card purchases. For in-depth coverage and the pros and cons of each exchange, click on the exchange review links below.

1. Binance

Binance is the largest digital currency exchange service in the world that provides a platform for trading more than 200 different cryptocurrencies. The platform has seen a meteoric rise since being founded in 2017. Binance is the biggest cryptocurrency exchange trading at 1.2 Billion daily volume and 1.4 Million transactions per second. 
Binance accepts VISA card Bitcoin transactions using local fiat currencies such as the USD, GBP and the Euro. The exchange regularly offers promotions for zero-fees to buy crypto with a credit card.

2. Coinbase

Coinbase is widely known as a safe and reputable Bitcoin exchange that is trusted by thousands of customers worldwide. The exchange is popular for buying and selling cryptocurrency, managing a portfolio, recurring buys, mobile app to monitor the market, earning crypto for learning and a secure wallet to store assets purchased on the platform.
Coinbase is one of the best exchanges to buy Bitcoin with a credit card as it supports multiple fiat currencies to an account. The platform provides access for individuals to enter the cryptocurrency market using their local currency via credit/debit cards and also bank transfers, SEPA payments and a wire transfer.
coinbase website

3. eToro

eToro is suited for beginners that want to invest in Bitcoin using a powerful and user-friendly trading platform. The platform provides a simple platform to trade the digital currencies and altcoins with leverage, or practice crypto trading using a virtual portfolio.
eToro charge a spread cost to purchase Bitcoin using USD which can vary slightly depending on market conditions. Investors that decide to use eToro will not incur additional surcharges for using a credit card. eToro is one of the cheapest ways to buy Bitcoin with a credit card.
etoro website
Disclaimer: 67% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money. Cryptoasset investing is unregulated in most EU countries and the UK. No consumer protection.


With over 3 million customers worldwide, is a premium exchange that features an all-in-one platform to buy, sell, trade, spend, store, earn, loan cash and even pay bills with crypto. Exchange offers a platform with deep liquidity and low fees to trade crypto coins against fiat and stable coin pairs using a highly intuitive and sleek user-interface on desktop. often has a promotion to buy Bitcoin with zero credit card fees.


CEX.IO is a popular exchange to buy Bitcoins instantly using a credit or debit card. The platform is considered to be one of the best fiat-to-crypto exchanges in the world that accepts fiat currencies such as USD, GBP, EUR and RUB. The exchange is available on mobile iOS and Android devices and offers the option to sell Bitcoin instantly and withdraw profits to a credit card (e.g. VISA or Mastercard) which is unique to CEX.IO. VISA and Mastercard purchases

6. Changelly

Changelly is a fiat to crypto exchange that allows customers to buy crypto with credit/debit cards. The platform is also highly regarded as one of the best cryptocurrency swap websites to convert Bitcoin to another crypto using the best available rates. The exchange provides a simple interface for beginners and advanced investors to buy and swap crypto assets quickly and sent directly to a hardware wallet for maximum security.

Frequently Asked Questions

Obtaining Bitcoin with a credit card is one of the safest ways to invest in the cryptocurrency. Exchanges will usually have several checks and balances in place to ensure personnel information and cardholder details are kept safe and secure. It is recommended to use a reputable and trusted fiat to Bitcoin exchange.
Using a credit card to obtain Bitcoin from a cryptocurrency exchange is near instant. Once the cardholder information has been entered, the Bitcoin purchase will be completed instantly and the asset is sent to the user's exchange wallet immediately.
Investors can cash out of their Bitcoins to a credit/debit card using a cryptocurrency exchange such as CEX.IO. The platform allows its users to instantly sell Bitcoin and withdraw fiat to a credit or debit card to spend like a normal bank card.
Digital currency platforms such as offer incentives to buy Bitcoin and other cryptocurrencies with no fees when using a credit card. Investors can buy Bitcoin without the surcharge cost of a typical credit card transaction which can range between 1% and 2.5% plus the trading fee.
To buy Bitcoin using a credit with zero fees, users can download and create an account with the app. The exchange also gives a zero-fee crypto trading promotion for new users during the first 90 days. 
Using a cryptocurrency exchange to obtain Bitcoin anonymously without ID is becoming increasingly difficult. The vast majority of Bitcoin exchanges will mandate users to provide full identity verification before completing a transaction using a credit or debit card. This is due to strict anti-fraudulent security measures and regulations imposed by local governments. 
There are a few peer-to-peer crypto platforms such as Paxful that do offer a way to buy Bitcoin anonymously using a bank card, however the fees can be quite high.
eToro does not incur any credit card fees when depositing US Dollars to the platform to buy Bitcoin. It is the cheapest fee exchange using a credit card to buy Bitcoin or other cryptocurrencies. Binance has a competitive credit card surcharge cost of 2.5% and often have promotions for 50% off credit card costs.


Buying with a credit card or debit card is one of the easiest and safest ways to acquire Bitcoin instantly. The benefits of using a bank card allow investors all over the world the opportunity to buy digital currencies without using a traditional bank transfer which can take several business days to complete.
User's that want to buy Bitcoin should begin by comparing and assessing the fees and features of cryptocurrency trading exchanges that offer credit/debit card payment methods.
While we aim to provide you with accurate and the latest information in this guide, we strongly suggest that you visit each exchange website to do your own research and keep updated with any changes that may occur afterward.

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Kevin Groves

Kevin is the founder of hedgewithcrypto and is passionate about blockchain technology. He has been involved with Bitcoin since 2016 and is a swing trader with over 10 years of experience. He loves trading crypto using various platforms and helping others learn about cryptocurrencies via hedgewithcrypto.
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