How to buy Bitcoin with a Credit Card

One of the most popular ways to buy Bitcoin is with a credit card. If you’re a proud owner of a credit card from one of the famous brands and are looking for a way to purchase BTC with it, you have landed on the right page.

On this page, we’ll show you some of the best credit card Bitcoin brokers. Moreover, we’ll discuss what these brokers are and how to buy BTC with your credit card. 

We’ll also cover some of the main advantages and disadvantages of this payment option, as well as alternative methods for buying BTC. So, without further ado, let’s get started.

Top Bitcoin Brokers That Accept Credit Cards

The table below consists of Bitcoin brokers who have one thing in common — they all accept credit cards for deposits. Feel free to examine the list closely and pick the platform that meets your needs. If you’re not sure how to choose, keep reading our guide.

Minimum Deposit
Exclusive Promotion
User Score
More than 3,000 assets, including currencies, stocks, cryptocurrencies, ETFs, indices and commodities
Buy crypto, or trade cryptocurrencies via CFDs
CopyPortfolios: Innovative, fully managed investment strategies
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 67% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.
Minimum Deposit
Exclusive Promotion
User Score
Trade the global markets. Trade with real-time execution and professional tools
Follow and copy Naga's top traders who have mastered their trading strategies
Free personal account manager
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74.48% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Minimum Deposit
Exclusive Promotion
User Score
Over 4 million customers worldwide
Buy, sell and trade nearly 200 digital assets
Verified within 15 minutes

What Is a Credit Card Bitcoin Broker?

A credit card Bitcoin broker is an online trading platform that lets you buy BTC using your credit card. There are currently four popular brands of credit cards: American Express, Visa, MasterCard, and Discover. All four are very likely to be accepted on all crypto trading platforms that take credit cards.

Bitcoin is a cryptocurrency, and a credit card broker actually allows you to deposit fiat money to the site using your card and then use it to purchase any of the available cryptos, including BTC. Please note that credit cards themselves cannot process cryptocurrencies, so you can only use them to deposit and withdraw fiat funds. 

What Crypto Platforms Accept Credit Cards?

There are two types of crypto trading platforms out there — centralised and decentralised. The decentralised ones are only used for crypto-to-crypto trading, and it’s impossible to use fiat funds on them. Therefore, you cannot use credit cards there.

All crypto brokers that accept credit cards are centralised platforms where fiat to crypto trading is possible. Apart from centralised crypto brokers, there are many other types of trading platforms, such as exchanges, P2P lending platforms, marketplaces, and more, where using credit cards is possible. 

How to Buy Bitcoin With a Credit Card?

No matter which credit card brand you own, the process of buying Bitcoin remains almost the same. This section will give a general overview of the steps necessary to obtain Bitcoin with a card.

  1. Select a credit card Bitcoin broker — Scroll up to our list and pick the platform you like the most to begin the process of buying BTC with your card.
  2. Register — Almost all centralised platforms require you to be a registered member to make a deposit. Therefore, it’s necessary to open an account by providing the required info and verifying your account. Please bear in mind that the registration process might differ depending on the broker you select.
  3. Connect your credit card — Once you’re a registered member, you need to pick your credit card as a deposit option and connect it to your account to fund it. Make sure you consider the minimum and maximum deposit limits, as this will affect your choice.
  4. Buy BTC — After your account is topped with fiat funds, you can proceed with purchasing Bitcoin. This procedure is a bit different for every broker, so make sure to explore the available options to avoid making a mistake with your first purchase, especially if you’re new to the crypto sphere.

How to Deposit and Withdraw Via a Credit Card

Let’s now look at how the depositing and withdrawing processes look when using a credit card to buy BTC online.


Depositing with a credit card is pretty straightforward. If you have experience using credit cards for online purchases, the entire process should be familiar. Here’s a quick overview.

  1. Log in to your broker’s account.
  2. Go to the payment section and pick a credit card as a deposit option.
  3. Connect your card. You’ll have to enter your card number, expiry date, and security code at the back of your card.
  4. Enter the amount you’d like to deposit to the platform.
  5. Confirm the transaction and wait for the funds to load onto your balance. This shouldn’t take more than a couple of seconds, as cards are instant payment options.


You can only withdraw fiat money using a credit card, as they can only process fiat funds. To withdraw Bitcoin, you’ll have to have a cryptocurrency wallet. 

If you have fiat funds and the broker of your choice offers credit card withdrawals, here’s how to do it:

  1. Log in to your account.
  2. Go to the payment page and select your credit card brand as a withdrawal method.
  3. Enter how much money you’d like to withdraw.
  4. Confirm your transaction.

It’s important to know that many brokers accept credit cards for deposits but not for withdrawals, so make sure to check that before joining if you intend to withdraw fiat money from the platform.

What Should I Look for in a Credit Card Bitcoin Broker?

If you decide to search for the best credit card Bitcoin broker on your own, it’s essential to know what to pay attention to. Take a look at the list below and use it as a checklist that will help you filter out the best trading platforms.

  • Security — Make sure that the broker uses the latest security protocols to protect your funds and sensitive data from cyberattacks.
  • Fees — Each broker charges fees for its services, and it’s up to you to find the best price/quality ratio, especially when using credit cards to buy Bitcoin.
  • Speed — It’s no secret that some brokers are faster than others. In the rapidly-changing world of crypto trading, where prices fluctuate every second, you should aim for the quickest broker possible.
  • Limits — Every broker imposes limits on how much you can deposit, withdraw, or buy. Check them out to see whether these limits suit you.
  • User-friendliness — Some crypto trading platforms feature a better user interface and are more user-friendly than others. 

Should I Buy Bitcoin Using a Credit Card

Credit cards are probably the most popular fiat payment option for buying cryptocurrencies, but they also have certain disadvantages. Let’s learn more about the main benefits and downsides of using them as a payment method for buying BTC.


  • Fast — Credit card transactions are instant, which means your funds will become available in your broker account seconds after the transaction is confirmed.
  • Small fees — Credit cards usually charge minimal transaction fees, especially compared to e-wallets or bank transfers.
  • High security — All major credit card brands have top-level security protocols, making all credit card transactions very safe.
  • Convenient — We use credit cards daily, and if you’re a credit card owner, you probably already know how to connect one and use it to make a deposit.


  • Credit cards only work with fiat money — For now, you can only use credit cards to deposit and withdraw fiat currencies. Who knows, maybe we’ll get crypto credit cards in the future.
  • Not available on all brokers — Even though credit cards are the most popular fiat payment option, some brands might not be accepted by all online Bitcoin brokers.

Is Using a Credit Card the Best Method to Buy Bitcoin?

It’s definitely one of the most convenient and most popular methods. However, there are plenty of other great fiat methods accepted by cryptocurrency brokers, such as e-wallets, bank transfers, Apple Pay, and more. If you use some of these methods regularly, we recommend comparing them with credit cards to see which one is better for buying Bitcoin.

What Are the Alternative Payment Methods to Buy Bitcoin?

Even though credit cards are among the most popular payment methods, you can still use several alternatives on many crypto trading platforms. Below, you’ll find the most common options.

  • E-wallets — Apps such as PayPal or Neteller are electronic wallets that provide fast and secure transactions. They are accepted on many online crypto exchanges and other platforms, though you’ll likely need to use a decentralised exchange since they offer more payment choices.
  • Bank transfer — Some brokers let you use bank transfer (also called wire transfer) and deposit funds right from your bank account. This is a very secure but slow payment method.
  • Mobile payments — Many brokers accept mobile payment methods, such as Apple Pay, which are fast and convenient. However, they are less popular compared to credit cards at the moment. Moreover, you might not be allowed to deposit the amount you want.

Final Thoughts

To sum up, credit cards are the most popular payment method globally, which is why many Bitcoin brokers also accept deposits from American Express, Discover, Visa, and Mastercard.

Millions of people around the globe use these brands. Since you’re on this page, chances are you’re one of them and are looking for a way to buy Bitcoin with a credit card. Therefore, we suggest scrolling up to pick one of our featured Bitcoin brokers and become a proud BTC owner in no time. If some things are still unclear, check out the FAQ section below.


Can I buy Bitcoin anonymously with a credit card?

You cannot, no. Credit cards are linked to your bank, which has information about you. Moreover, you need to leave some personal information when joining an online cryptocurrency broker.

How fast is buying Bitcoin with a credit card?

It’s pretty fast. Credit card transactions are instant, so you’ll be able to deposit in seconds. However, Bitcoin transactions might take a couple of minutes.

Do I need a crypto wallet?

At one point, you’ll want to withdraw your Bitcoin from the trading platform, and you’ll need a good cryptocurrency wallet to do that since credit cards cannot process or store cryptocurrencies.

Are the fees low when using a credit card to buy Bitcoin?

Credit card transactions are very affordable. However, the broker might impose additional fees when buying BTC, so make sure to check them before making your first purchase.

Can I hold cryptocurrency in my credit card account?

No. Credit cards cannot process or hold cryptocurrencies.

Can I buy other cryptos using a credit card?

Yes, if the broker of your choice offers other cryptocurrencies besides Bitcoin.

Can I buy Bitcoin with a credit card instantly?

You’ll have to deposit your funds from your credit card to your broker’s account to buy Bitcoin. This is an instant process, but buying Bitcoin once your balance is loaded might take a couple of minutes.

Is a credit card the easiest way to buy Bitcoin?

Yes, it’s one of the most convenient and most straightforward methods of buying BTC via online brokers. Payments are instant, and entering your card details isn’t difficult.

Does Coinbase accept credit cards? 

Yes, you can use Visa or Mastercard to buy Bitcoin via Coinbase.