HomeXRPHow to Buy XRP in 2023How to Buy XRP With Credit Card

How to Buy XRP With Credit or Debit Card

Amala Pillai
Amala Pillai
26th May 2023

This comprehensive guide offers detailed advice on the best ways to buy XRP using a credit or debit card. We share the most popular cryptocurrency trading platforms, which were selected based on fees, user experience, customer feedback, regulation, security protocols, and much more. Also, we share how you can earn cryptocurrencies passively while using reward cards. Finally, we provide alternative XRP buying payment methods with advantages not found with cards.

If you’re short on time, check out the top XRP trading platform:


Top XRP Brokers That Accept Credit or Debit Cards

Sort By Label
Partner Name LabelLabelCTACustomer SupportLaunch DateSecurity FeaturesSecurity Features Disclaimer
Pepperstone1Pepperstone4.5Visit Websitepepperstone.comEmail, Live Chat, Telephone, Whatsapp20102FA, Biometrics, Pin 2FA, Biometrics, Pin Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 80.9% of retail investor accounts lose money when trading spread bets and CFDs with this provider. You should consider whether you understand how spread bets and CFDs work, and whether you can afford to take the high risk of losing your money.
Eightcap2Eightcap4.4Visit Websiteeightcap.comLive Chat, Email, Telephone20092FA, Pin 2FA, Pin CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 79.04% 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.
Coinbase3Coinbase4.2Visit Websitecoinbase.comEmail20122FA, Pin , Biometrics2FA, Pin , Biometrics
Changelly4Changelly3.7Visit WebsiteChangelly.comEmail, Live Chat20152FA, Biometrics2FA, Biometrics

Which Issuers Allow Buying XRP Using Their Credit or Debit Cards

Some card issuers do not allow their customers to buy cryptocurrencies because they believe there are too many risks. Therefore, you must carefully select which card companies allow you to buy cryptocurrencies like XRP. The list below summarizes the availability of buying cryptocurrency with popular card issuers:

  • American Express (AMEX): This card issuer is not available at most centralized exchanges and brokerage platforms. However, a limited number of P2P platforms support the card, including Paxful.

  • Bank of America: It’s not possible to use Bank of America cards to buy cryptocurrencies. Possibly because they are currently developing in-house blockchain technologies.

  • Barclays: Using a Barclays card, you cannot buy XRP or other cryptocurrencies.

  • Chase: Buying cryptocurrency with a Chase card is not possible.

  • Discover: Using a Discover card is not compatible with cryptocurrency transactions.

  • Wells Fargo: Cryptocurrency transactions are unsupported with Wells Fargo cards.

Binance - The Overall Best Way to Buy XRP With a Credit or Debit Card

Binance is one of the best cryptocurrency trading platforms for desktop and mobile users. The advanced trading tools will satisfy experienced users, while beginners can use the instant purchase feature to buy XRP with a credit/debit card without the bells and whistles. Also, you can get started with just $10, which means you can test-drive the platforms with minimal investment. To learn more, check out our Binance review.

Partner Name LabelLabelCTA Disclaimer
Binance1Binance4.5Visit Websitewww.binance.com/en

Best Ways to Buy XRP With a Credit or Debit Card

Now, let’s explore the most popular ways of buying XRP with a credit/debit card. These options are good choices if you need variety since each one has its pros and cons.

  • XRP Brokers

  • XRP CFDs

  • XRP Exchanges

  • XRP P2P services

  • XRP Apps

Best Brokers to Buy XRP With a Credit or debit Card

Brokers facilitate the buying and selling process, and charge fees in the form of spreads. Furthermore, you can access a wider range of instruments than just cryptocurrencies, which allows you to diversify the investment portfolio. See the table below for 3 of the top brokers for buying XRP with a credit/debit card.

ProviderCard Fee (USD 1000)Get Started
🥇 Binance2% + CC feeStart with Binance now
🥈 Wunderbit5%Start with Wunderbit now

The listed brokers above were selected because the platfroms offer a rich array of features, smooth user experiences, competitive fees, large cryptocurrency selection, and much more. Also, the customer support teams for the extra mile to provide quick assistance.

Best CFD Brokers to Buy XRP With a Credit or Debit Card

CFD brokers allow you to profit from predicting a coin’s price movement. CFD transactions work by creating a contract with the broker which states that the difference in the coin’s price at the start and end must be settled. Therefore, the transaction is speculative, and you will not own the cryptocurrency asset. See the table below to check out the top 3 brokers for buying XRP with a credit/debit card.

ProviderCard Fee (USD 1000)Get Started
🥇 BDSwiss$0 + CC feeStart with BDSwiss now
🥈 Eightcap$0 + CC feeStart with Eightcap now

We have selected the CFD brokers above because they offer a wide selection of cryptocurrencies and have no hidden fees. Therefore, you have a higher chance to profit from transactions, which can be challenging without considering fees. Also, the simple user interfaces allow users to quickly find the desired coin and execute many transactions in a short time period.

Best XRP Exchanges to Buy XRP With a Credit or Debit Card

Exchanges are popular crypto trading platforms where you can buy XRP with a credit/debit card. Simply fund your account with fiat currency and use the UI to find the cryptocurrency you want The platform acts as an intermediary that uses order books to facilitate the buying/selling process. In the table below, you’ll find the top 3 exchanges for buying XRP with a credit/debit card.

ExchangeCard Fee (USD 1000)Get Started
🥇 Crypto.com2.99% + CC feeGet started now
🥈 KuCoinVaries + CC feeGet started now
🥉 Binance1.8% + CC feeGet started now

The listed XRP exchanges above were selected because the platforms offer competitive fees, fast onboarding process, intuitive UI designs, and have proven track records. Also, the platforms are regulated by government-backed organizations, which means they are vetted for sound financial practices.

How to Buy XRP With a Credit or Debit Card on an Exchange?

Using credit/debit cards, you can buy XRP on industry-leading exchanges like Binance, Crypto.com, Kraken, CEX.IO, and much more. To begin buying XRP, you’ll need to create an account with one of the exchanges. During the onboarding process, expect to complete KYC verification, which includes the submission of documents that verify your identity and location.

Unfortunately, not all card issuers support cryptocurrency transactions, and some exchanges don’t support card payments. Therefore, you need to find compatible options before registering new accounts. Once you’ve created a new account, head to the deposit section and select credit/debit card as the payment method. You’ll have to deal with deposit and fiat currency limitations when using cards.

How to find XRP on an exchange: Navigate to the trade section of the UI and use the search bar to find XRP. Also, you may notice the coin towards the top of the list since it’s one of the most popular options.

Altcoins and XRP

You can buy XRP with other altcoins or Bitcoin, and vice-versa. Buy XRP using the above steps and find the altcoin you want to purchase. You’ll find the coin’s price in the modal trade window, and it changes based on current market conditions.

Crypto.com - Excellent Choice for Large List of Cryptocurrencies

Crypto.com offers over 250 cryptocurrencies for trading, including XRP. The large choice of coins means you’ll have more investment opportunities than smaller exchanges. Also, the intuitive user interface allows you to find each cryptocurrency efficiently.

The platform has over 50 million users, so you can expect high trading volumes. Also, Crypto.com offers 5% cashback when you spend with one of its Visa cards. Overall, the excellent transparency of Crypto.com ensures you can calculate the fees accurately without any surprises.

However, the downside of buying XRP on Crypto.com with a credit or debit card is the unresponsive customer service team.

Partner Name LabelLabelCTACustomer SupportMobile SupportSecurity FeaturesCommission On Trades Disclaimer
Crypto.com1Crypto.com4.3Visit Websitecrypto.com/Email, TelephoneAndroid, iOS0.04

Can I Use Decentralized Exchanges With Credit or Debit Cards?

In 2014, the first decentralized exchanges were opened, which allows users to trade directly with the involvement of 3rd party platforms like Binance or Coinbase. The peer-to-peer technology allows users to connect to DeFi wallet like MetaMask without needing to register an account or provide proof of identity. Therefore, it promotes anonymity and security from interference because of its decentralized nature.

Hence, it’s not possible to use cards to buy XRP directly from a DEX. Instead, you'll need to buy tokens on a CEX and transfer the coins to a DeFi wallet compatible with your preferred DEX.

Best XRP P2P Platforms to Buy XRP With a Credit or Debit Card

P2P platforms enable users to purchase XRP from other users directly using various payment methods. The platforms enable sellers to post offers that buyers can browse to find a good match. Offers typically specify the coin’s price, accepted payment methods and allowed time to complete payment.

ExchangeCard Fee (USD 1000)Get Started
🥇 KuCoinVaries + CC feeGet started with KuCoin now
🥈 Webull$0 + CC feeGet started with Webull now
🥉 Paxful$0 + CC feeGet started with Paxful now

The listed P2P platforms above were selected because they offer an intuitive user interface to find the offers that match your preferences quickly, and you can clearly see the terms of the deal. Also, the competitive fees mean you have a higher chance of profiting from trades. Finally, the security features like escrow allow you to trade without fear of losing your money.

KuCoin - Best Choice for Large User Base

KuCoin offers one of the biggest user bases in the P2P industry, with over 20 million across all regions. The high popularity of the platform is a result of the strong security protocols, competitive deposit/withdrawal fees, practical user interface, and fast onboarding process.

Furthermore, platform users can use the instant messaging tool to iron out the small details of the deal. Also, beginners can use the feature to learn more about how the platform works directly from other KuCoin users.

However, a few of the drawbacks of using KuCoin for buying XRP include limited educational resources and issues during high-traffic periods.

Partner Name LabelLabelCTA Disclaimer
Kucoin1Kucoin3.9Visit Websitekucoin.com

Best Apps to Buy XRP With a Credit or Debit Card

Buying XRP with mobile apps is convenient, and since you can trade from any location - you could be waiting in line at the grocery store or riding a train to work. XRP trading apps can be downloaded from the App Store or Google Play platforms, and the process takes just a few minutes. Check out the top mobile trading apps for buying XRP with a credit/debit card in the table below.

ProviderOSCard Fee (USD 1000)Get Started
🥇 BinanceAndroid / iOS2% + CC feeStart with Binance now
🥈 KuCoinAndroid / iOSVaries + CC feeStart with KuCoin now

We have listed the providers in the table above because the platforms offer consistently stable experiences, strong security features, excellent research tools, and a large selection of tradable cryptocurrencies. Also, the customer support teams are available directly within the apps and respond quickly to problems.

Binance App - Top Choice for Advanced Trading

Binance offers everything advanced XRP traders need, from customizable charts and technical indicators to different order types and trading data. Users in some jurisdictions can also access margin and trading bots.

Beginners will appreciate the Convert and instant purchase features, which greatly simplify the process. In addition to this, you'll also be able to access staking, liquidity mining, and an NFT marketplace.

Partner Name LabelLabelCTA Disclaimer
Binance1Binance4.5Visit Websitewww.binance.com/en

Buy XRP on Binance App With a Credit/Debit Card: Step-By-Step Guide

Step 1 Sign up
Step 2 Verify your account
Step 3 Deposit funds
Step 4 Buy XRP

Should You Buy XRP With a Credit or Debit Card?

If you already have access to a cryptocurrency compatible card, then it’s an easy payment method since no further account registration is required. Also, you’ll be familiar with how credit/debit cards work and the deposit speeds are instant. Therefore, you can buy XRP on the exchange or brokerage platform shortly after creating an account.

Furthermore, credit/debit cards are welcome at many of the top XRP trading platforms, including Binance and KuCoin. So, you can find a platform with the features you need to trade cryptocurrencies. Finally, credit cards are perfect if you need a cash advance to take advantage of extra leverage.

However, the biggest drawbacks of cards are the high deposit fees. You can get charged by the crypto trading platform and card issuer.

Fast Withdrawals
Instant deposits
Buyer Protection (for credit cards)
Not available on all platforms

Credit Card Issuer Penalties on Cash Advance

Using a cash advance to buy XRP can result in various penalties that you should know about to avoid unexpected surprises. You need to be aware of the possible charges and determine the specific fees at your credit card issuer.

  • Cash Advance Fee: When getting a cash advance, you’ll be charged a flat fee or a percentage of the borrowed amount.

  • Higher Interest Rate: The interest rate charged for cryptocurrency transactions might be higher than regular ones.

  • No Grace Period: Without a grace period, the interest is charged immediately. Ideally, look for terms that include a grace period to avoid charges by returning the credit within the allocated time.

  • Lower Credit Limit: Some credit card issuers view cryptocurrency transactions as risky, so you may be limited by a smaller credit limit.

  • No Credit Card Rewards: Most credit card companies fight for new customers by offering rewards for using their cards. However, cryptocurrency transactions might not be eligible - find out by reading the terms and conditions.

You may have an option to buy XRP using a credit card without a cash advance. You’ll need to inspect the rules set out by the credit card issuer.

Is It Worth Buying XRP With a Credit or Debit Card?

Now let’s dive deeper into the merits of using a credit/debit card to buy XRP. Generally, it’s a good choice if you want a quick deposit method that you already have in your possession. No extra accounts or verification steps are required, and the deposit speeds are instant.

The drawback of using a card is the relatively high deposit fees. Also, the credit limits on a credit card might be too low for the amount of XRP you’re interested in buying. Therefore, you’ll need multiple crypto-friendly credit cards to buy XRP.

Is Using a Credit/Debit Card the Fastest Way to Buy XRP?

Credit and debit cards are among the quickest methods of buying XRP because they deposit funds instantly. Then you simply need to find XRP using the platform’s UI, and you can instantly buy the coin. PayPal is another payment method to buy XRP with fast processing speeds.

Is Using a Credit/Debit Card the Safest Way to Buy XRP?

Credit and debit cards have strong security protocols - including two-factor authentication, so your account is protected from unwanted users. Also, card companies have a system in place to spot questionable transactions, which they can manually verify. Finally, credit card companies insure your money, which means you can get it back if it’s lost through a scam - the insurance details vary based on the company.

Is Using a Credit/Debit Card the Cheapest and Easiest Way to Buy XRP?

Buying XRP with a credit/debit card is an easy method since most users are familiar with the payment method. Also, it’s accepted by many top-tier platforms, so finding a great place to trade cryptocurrencies will not be challenging.

However, credit/debit cards are not among the cheapest ways of buying XRP. Many platforms charge a deposit fee for processing transactions, and you’ll get charged for the cash advance by the card issuer when using a credit card.

Receive Crypto as a Credit Card Reward for Buying XRP

You can receive cryptocurrencies passively for using credit cards from specific issuers. These rewards help offset the high deposit fees when depositing using a credit card. Here are the top crypto credit cards on offer:

  • Brex Card: You’ll accumulate Brex points when using this card, and 1,000 can be exchanged for $7 worth of Bitcoin or Ethereum. Current market conditions dictate the amount of cryptocurrency you’ll receive.

  • Venmo Credit Card: Cashback is generated when shopping with a Venmo card, and you’ll receive a cryptocurrency of your choosing as a reward. Also, you can change the reward coin at any time.

  • Gemini Credit Card: You’ll get rewarded in 1 of 60+ cryptocurrencies when using the Gemini credit card, and cashback is generated at 3%.

  • Upgrade Bitcoin Rewards Card: You’ll get 1.5% cashback in Bitcoin when using the card to make payments.

What Are the Fees When Buying XRP With a Credit or Debit Card?

This table summarizes the various fee types you can expect to pay when buying XRP with a credit/debit card on the top trading platforms.

PlatformPepperstone BrokerBinance Exchange
Deposit fees$0 + CC fee1.8% + CC fee
Trading fees0.0024 spread0.1%
Withdrawal fees$0 + CC fee1.8% + CC fee

Is Buying XRP With a Credit/Debit Card Anonymous?

In most cases, buying XRP with a credit/debit card is not anonymous. However, we will share an alternative method of buying cryptocurrencies, which offers anonymity since no verification is required.

Can You Buy XRP With a Credit/Debit Card Without Verification or KYC?

You’ll need to complete KYC verification during the onboarding process of centralized exchanges and brokerage platforms. Typically, you’ll need to provide proof of address and identity. To avoid KYC verification, you use DEXs, which can be accessed by simply connecting a DeFi wallet like MetaMask.

Can You Buy XRP With a Credit/Debit Card Without Registration?

To buy XRP with a credit/debit card, you’ll need to register an account with centralized exchanges or brokerage platforms. Also, registration is required with the credit/debit card company. To avoid registration, you can use a DEX by connecting a compatible DeFi wallet.

Alternative Payment Options to Buy XRP With USD

You may not have access to cards and need an alternative payment method to buy XRP. This section summarizes the most popular alternatives accepted at top-tier XRP trading platforms.

Buy XRP With PayPal

You can buy XRP with PayPal at some of the biggest platforms in the world, including Binance, Kraken, and KuCoin. Most platforms do not charge a deposit fee for using PayPal, and transactions are processed instantly. Also, you’ll avoid getting a cash advance that incurs charges.

Buy XRP with a bank transfer

Most individuals have a bank account, so it's a readily available method of buying XRP. Due to strict regulations, banks are a safe place to store money. A bank transfer is an easy-to-use and convenient method to fund your cryptocurrency exchange or broker account. Some of the top platforms accepting bank transfers include Coinbase and Crypto.com.

Buy XRP With a Credit/Debit Card on Digital Wallets

Digital wallets are a highly accessible and cost-effective method of funding your cryptocurrency trading account. Also, you can link your credit/debit card to digital wallets, which allows you to bypass restrictions where credit cards aren’t supported. The best digital wallets are Apple Pay, Google Pay, Venmo, Cash app, and Zelle.

What to Consider When Buying XRP With a Credit or Debit Card?

Now let’s take a look at a few of the top factors you should consider when buying XRP with a credit/debit card.

  • Cards Supported: Check to see if the platform where you want to buy XRP supports credit o debit card payments.

  • Foreign Exchange Fee: You may need to convert fiat currencies when funding your trading account with a credit card. Compare the charges and FX rates for this transaction to ensure you get a good deal.

  • Scams: Avoid cryptocurrency trading platforms prone to scams by choosing one of the providers we mentioned in this guide. We have researched the options to offer XRP trading platforms that are regulated and offer strong security features.

  • Fees: Compare the fees of different XRP trading platforms to find the best deal. Consider the deposit/withdrawal, inactivity, trading, and fees. Additionally, consider the fees charged by the card issuer.

  • Taxes: Depending on your location, you may need to pay taxes for profiting from cryptocurrency trading. In the United States, you must fill out the IRS Form 8949 to show your gains and losses.

  • Limits: The credit limit might be low for the amount of XRP you want. Therefore, you’ll need to use multiple credit cards or pursue alternative payment methods.

  • Debt: Cash advances may result in debt if the coin you buy loses value. Therefore, don’t borrow more money than you can afford to pay back.

  • Credit Utilization: The money borrowed divided by the credit limits is the credit utilization score, and it’s usually expressed as a percentage. Try to keep the credit utilization under 30% to keep your credit score healthy.

Do All Platforms Accept Credit or Debit Cards to Buy XRP?

Unfortunately, credit and debit cards are not accepted by some XRP trading platforms, while some accept debit cards but not credit cards. To avoid creating an account at one of these providers, consider the table below to learn about credit/debit card availability as an account funding method.

ProviderCredit/Debit Card AcceptedReview
RobinhoodDebit cards onlyRead Robinhood review
BinanceYesRead Binance review
ChangellyYesRead Changelly review
BittrexYesRead Bittrex review
PoloniexYesRead Poloniex review
CoinbaseYes (debit cards only in the US)Read Coinbase review
KrakenYesRead Kraken review
GeminiYesRead Gemini review
CoinmamaYesRead Coinmama review

Should I Buy XRP With a Credit or Debit Card?

To summarize, buying XRP with a credit/debit card is a worthwhile choice for users that want instant deposit speeds, don’t mind the high deposit fees, and already have access to a compatible card.

Also, with credit cards, you can take advantage of rewards, cash advances, and buyer protection. If you don't want to risk going into debt, however, using a debit card would be a better option.

Some of the biggest crypto trading platforms that allow you to buy XRP with a credit/debit card include Binance.

Can I Buy Any Other Cryptocurrencies With a Credit or Debit Card?

Yes, it’s possible to buy hundreds of cryptocurrencies with a credit/debit card, including Bitcoin, Dogecoin, Litecoin, Ethereum, and Tether.


Where is the best place to buy XRP with a credit/debit card?
Can you buy XRP with a credit/debit card and sell it to make money?
Can you buy XRP with a credit/debit card on the deep web?
Can you buy XRP with a credit/debit card in Europe?
Is it illegal to buy XRP with a credit/debit card?
Can you buy XRP with a credit/debit card on blockchain?
Can I buy XRP with a credit/debit card instantly?
Does Coinbase accept credit and debit cards?

Find Out More About Ripple Guides

Author Bio
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, strategist and brand editor for various financial institutions and banks.