HomeBitcoinHow to buy Bitcoin with a Credit Card

How to buy Bitcoin with a Credit Card

Last updated 19th Jan 2022

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 asking “can you buy bitcoin with a credit card”, 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 Bitcoin online with 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
This ad promotes virtual cryptocurrency investing within the EU (by eToro Europe Ltd. and eToro UK Ltd.) & USA (by eToro USA LLC); which is highly volatile, unregulated in most EU countries, no EU protections & not supervised by the EU regulatory framework. Investments are subject to market risk, including the loss of principal.
Minimum Deposit
Exclusive Promotion
User Score
Over 500 cryptocurrencies for trade
Low fees, comprehensive charting options
Wide selection of transaction types
Minimum Deposit
Exclusive Promotion
User Score
Trade and invest in over 25 cryptocurrencies
Extremely simple user interface
Over 68 million customers
Minimum Deposit
Exclusive Promotion
User Score
Hot wallets include insurance to protect your assets from theft and hacking attempts
Minimum Deposit
Exclusive Promotion
User Score
First transaction fee free
24/7 customer service
Instant payouts

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 credit card and then use it to purchase any of the available cryptos, including BTC.

Please note: credit cards themselves cannot process cryptocurrencies, so you can only use them to deposit and withdraw fiat funds to or from the exchange.

What Crypto Platforms Accept Credit Cards?

There are two types of crypto platforms out there — centralised and decentralised.

The decentralised exchanges (DAX) are only used for crypto-to-crypto trading, and it’s impossible to use fiat funds on them. Therefore, you cannot use a credit cards there to buy Bitcoin.

All crypto brokers that accept credit cards are centralised platforms where fiat to crypto trading is possible. Apart from centralised Bitcoin brokers, there are many other types of trading platforms that let you buy Bitcoin using credit card, such as:

  • Exchanges

  • P2P lending platforms

  • Marketplaces

  • Mobile apps

  • and more

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 you want to buy BTC with a credit card.

  • 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.

  • Location —You want to make sure the provider you are using is not restricted in your location. Most of the time you shouldn’t experience any issues when you buy bitcoin with credit card in the UK or USA, however places like China might have different regulations.

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.

Pros & Cons


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 (USA or UK) or Neteller are Bitcoin 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 Bitcoin brokers let you use bank transfer to buy bitcoin (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.

On top of all these methods, you can also:

  • Buy bitcoin with prepaid credit card —You can easily buy Bitcoin using a pre-paid card. The process is very similar to buying BTC with a debit card.

  • Buy bitcoin with American Express credit card —You can also buy Bitcoin with Amex, American Express gift card and American Express prepaid cards.

  • Buy bitcoin with virtual credit card —Another popular option is to buy bitcoin with virtual credit card. Virtual cards are usually stored on your phone application but you can easily use them to buy Bitcoin just like you would with a credit card or a debit card.

All in all, buying Bitcoin is easy with many payment methods, you can easily buy Bitcoin with PayPal or credit card or debit card.

Final Thoughts on Buying Bitcoin with a Credit Card

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 BTC via 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 with credit card anonymously?
How fast is buying Bitcoin with a credit card?
Do I need a crypto wallet?
Are the fees low when using a credit card to buy Bitcoin?
Can I hold cryptocurrency in my credit card account?
Can I buy other cryptos using a credit card?
Can I buy Bitcoin with a credit card instantly?
Is a credit card the easiest way to buy Bitcoin?
Does Coinbase accept credit cards?
What is the cheapest place to buy Bitcoin with credit card?
What is the safest way to buy Bitcoin with credit card?
What is the easiest way to buy Bitcoin with credit card?
Can someone buy Bitcoin with stolen credit card?
Amala Pillai

Amala Pillai

Amala is custom content and news editor based in London. She is a former financial journalist based in Singapore with 7 years of experience covering a range of business and financial topics. Now she focuses on crypto and macro-economics. She has also covered feature profiles, tech, business politics and ESG— she was the Environment Editor for the Solutions Newspaper, 2016 and worked in an editorial capacity at both News corp (Dow Jones) and JBN. She also has experience as a content creator and brand editor for various financial institutions and banks.