Where to buy bitcoin with your card

The fastest and most convenient way to buy bitcoin online is to use a credit or debit card. However, you must first open an account with a trusted cryptocurrency exchange that not only supports credit card deposits, but also charges low fees.

In this guide, we discuss where to buy bitcoin with a credit card in less than five minutes, from start to registration.

Where to buy bitcoin with a credit card - 4 best exchanges

If you're looking for a quick overview of where you can now buy bitcoin with a credit card, consider the following four platforms:

eToro - best place to buy bitcoin by credit card
Crypto.com - Buy bitcoin with a credit card using a user-friendly app
Binance - Buy bitcoin and more than 80 other cryptocurrencies with your credit card
Coinbase - A great place to buy bitcoin with a credit card for beginners

In the sections below, we compare the above cryptocurrency exchanges in terms of credit card fees, minimum deposits, security and more.

How to buy cryptocurrency - a quick guide

Step 1: Open an eToro account

eToro is the best place to buy cryptocurrencies in terms of fees, SEC regulations and low minimum amounts. Open an account with eToro to start the process.

💳 Step 2: Deposit the funds

When you deposit USD on eToro, there are no fees for using debit/credit cards, e-wallets or bank transfers. The minimum deposit amount is just $10.

🔎 Step 3: Search for cryptocurrency

eToro supports more than 40 cryptocurrency assets. You can use the search bar at the top of the page to find the cryptocurrency you want to buy.

🛒 Step 4: Buy cryptocurrency

Finally - in the "Amount" field you need to specify the size of your investment in cryptocurrencies before you click on "Trade."

In the following sections of this guide, we explain the process of buying cryptocurrencies in more detail. 

Review of the best exchanges for buying bitcoin with a credit/debit card

Many cryptocurrency exchanges now allow you to purchase bitcoin instantly using a credit card - meaning the entire investment process rarely takes more than five minutes.

However, you need to check what fees the exchange charges on credit card payments and what the minimum investment rate is. You should also evaluate the security and ease of use.

Therefore, when deciding where to buy Bitcoin with a credit card, consider one of the four proven exchanges below.

1. eToro - generally the best place to buy bitcoin with a credit card

In terms of fees, security, ease of use and minimum rates - eToro is generally the best place to buy Bitcoin with a credit card. First of all, it only takes a few minutes to open an account here, and you can immediately verify your identity by uploading a copy of your ID. This means that buying Bitcoin on eToro is easy and you can do it within minutes.etoro crypto investing

Polish customers can then deposit funds via credit card at no charge. This also applies to debit cards, bank transfers and e-wallets such as PayPal. As for the minimum account amount, you only need to deposit 10$ if you use a credit card on eToro.

Once your credit card payment is processed, you can proceed to buy Bitcoin with low transaction fees. In addition to Bitcoin, you can also buy other cryptocurrencies with your credit card. eToro supports dozens of tokens - including Ethereum, AAVE, Shiba Inu, Dogecoin, Litecoin, EOS, Cardano and Decentraland, among others.

invest crypto by paying with a credit card

What we also like about eToro is that it supports fractional purchases of cryptocurrencies. This way, instead of risking thousands of dollars to invest in Bitcoin, you only need to meet the $10 minimum purchase requirement. We also like the copy trading tool offered on eToro's website, which allows you to invest passively.

Simply put, once you choose an experienced cryptocurrency trader you like and decide how much you want to invest (minimum 200$), all the positions he puts in will be reflected in your own account.

Users also like the smart wallets offered on eToro's website, which allow them to invest in a basket of cryptocurrencies or stocks with a single transaction.

As for security, eToro offers a built-in cryptocurrency wallet that is both secure and user-friendly. You can also download the eToro wallet to your mobile device.

eToro is also heavily regulated - it is licensed by the SEC, ASIC, FCA and CySEC. As a result, you can buy Bitcoins here using a credit card without worrying about the safety of your funds.

2. Crypto.com - buy bitcoin by credit card using a user-friendly app

Another exchange worth considering when deciding where to buy bitcoin with a credit card is Crypto.com. This exchange is worth considering if you prefer to buy and sell cryptocurrencies on your smartphone via an app. The Crypto.com app is compatible with both iOS and Android devices and is very user-friendly.

After downloading the app to your device, you must first register an account and upload some ID. Then you can immediately buy Bitcoins using a credit card. However, you will have to pay a fee of 2.99% if you use a credit card, so keep that in mind.

In fact, if your main reason for using a credit card is speed, you may want to consider using ACH on the Crypto.com app instead. This is because ACH payments are not only instant, but also free. Anyway, in addition to Bitcoin, Crypto.com offers more than 250 other cryptocurrencies.

crypto.com products

Therefore, Crypto.com is a good option if you plan to buy multiple cryptocurrencies with credit cards. As for standard trading commissions, Crypto.com charges 0.40% . This means that you will pay $4 for every $1,000 you trade. You can reduce Crypto.com's trading commission when your monthly volume exceeds certain milestones.

By having a CRO, which is the native token of the Crypto.com platform, you can also reduce your commissions. Another feature of the Crypto.com application that we like is the ability to earn interest on bitcoin. The highest APY offered is 6%, but this is based on a 3-month lock-in period and a minimum CRO staking requirement of 40,000 tokens.

If you prefer an account with interest on cryptocurrencies without a lock-in period and without engaging in staking, then a lower APY will be offered. Nevertheless, you can make money on dozens of cryptocurrencies on this exchange. Crypto.com also offers bitcoin loans with LTVs up to 50%. Finally, Crypto.com also offers an NFT marketplace and a prepaid debit card.

Register at crypto.com

3. Binance - buy bitcoin and more than 80 other cryptocurrencies with your credit card

Binance's main platform attracts the highest volume of daily trading in the industry. It is also home to more than 1,000 markets. However, if you are American, you will have to use the US version of Binance, which offers a total of only 80 cryptocurrencies.

Nonetheless, this hugely popular exchange allows you to purchase Bitcoin using a credit card. Before you can do so, you will have to open an account and go through a relatively quick KYC process. As for fees, Binance will charge you 4.5% for using your credit card. Moreover, you will also be charged an instant purchase fee of 0.5%.

This means that you will pay a total of 5% to buy bitcoin with your credit card on this platform. This means a fee of $5 for every $100 you deposit. On the other hand, Binance supports commission-free deposits via ACH and domestic bank transfers. Although credit card fees are expensive, Binance offers very low commissions.

buy cryptocurrencies on binance

This amounts to just 0.10% - or $1 for every $1,000 traded. In addition, if you reach certain milestones within a month or own BNB tokens, you will receive even lower fees. In addition to Bitcoin, the Binance website also allows you to purchase Ethereum, Shiba Inu, Dogecoin, Cardano and Chainlink with a credit card.

Once you have purchased Bitcoins with your credit card from Binance, you may want to consider transferring your tokens to the Trust Wallet app. It is backed by Binance and allows you to not only store Bitcoins, but also thousands of other digital tokens. Alternatively, you can simply leave your Bitcoin tokens in the Binance web wallet.

Using this storage option, your funds will be protected with two-factor authentication and many other security tools - such as IP and device whitelisting. In addition, Binance claims that the vast majority of customer tokens are stored offline in cold storage. On the other hand, Binance is not regulated by any financial authorities - so take this into account before registering.

Register on Binance

4. Coinbase - a great place to buy bitcoin with a credit/debit card for beginners

Coinbase is a trusted cryptocurrency exchange that allows you to buy bitcoin with a credit card - alongside more than 50 other digital currencies. The Coinbase website is very easy to use, and opening an account rarely takes more than a few minutes. The KYC process is also quick - documents are usually approved immediately.

Once you create an account, Coinbase allows you to use your credit card to purchase Bitcoins immediately. If the size of your investment exceeds $200, you will pay a fee of 3.99%. This means that for every $1,000 you invest, you will pay $39.90. If your investment is less than $200, then a uniform fee structure applies.

The amount of the fee depends on the size of the deposit, although it will cost you more than the mentioned 3.99%. If you want to save on transaction fees, ACH deposits are made at Coinbase for free. You will still have to pay the standard trading fee of 1.49%, but it is still cheaper than using a credit card.

square card on coinbase

Regardless of the payment method you choose to use, you can store your Bitcoin tokens in Coinbase's main online wallet. This is accompanied by two-factor authentication and other security features. Coinbase also claims to store 98% customer tokens in cold storage. You can also withdraw your Bitcoin tokens to Coinbase's mobile wallet.

This option is available to both iOS and Android users and there is no charge to download the app. What's more, Coinbase's wallet app is non-trusted, meaning that the user is responsible for keeping private keys safe. However, Coinbase does not offer cryptocurrency accounts for deposits.

However, this is not supported for Bitcoin. Instead, you can only earn staking interest on Ethereum, Cosmos, Tezos, USD Coin and Dai. Finally, if you are a complete beginner in the world of Bitcoin and cryptocurrencies, Coinbase is home to an extensive library of educational materials and courses.

Register on Coinbase

Why buy bitcoin with a debit or credit card?

The best cryptocurrency exchanges on the market support many different payment methods. This includes not only credit cards, but also ACH, domestic bank transfers, cryptocurrencies and, in some cases, Paypal.

The following sections explain why you may choose to purchase bitcoin with a credit card as opposed to an alternative type of deposit.

Immediate purchase of Bitcoin

Perhaps the most obvious benefit of buying Bitcoin with a credit card is that your payment, in the vast majority of cases, will be processed immediately. And as such, using a credit card will allow you to buy Bitcoin and other cryptocurrencies in the fastest possible timeframe.

However, it is important to note that before you can buy bitcoin with a credit card, you will not only have to register an account with the exchange in question, but also go through the KYC process.

Nevertheless, as soon as you are verified, you can proceed to use your credit card to deposit funds and then purchase bitcoin.

In comparison, opting for a traditional bank or ACH transfer can often take 1 to 3 business days for the funds to arrive.

Application Crypto.com It supports instant ACH deposits, so that's worth considering as well.

A great solution for beginners

If this is the first time you want to buy cryptocurrency, you will have to pay for your purchase in US dollars. Using a credit card for this purpose is by far the friendliest way to accomplish this.

In fact, if you use a beginner-friendly exchange such as eToro, you will be guided through the credit card deposit process step by step.

Therefore, even if you want to buy bitcoin for the first time - you shouldn't face any obstacles when using a credit card.

Requirements for small deposits

In researching where to buy bitcoin with a credit card, we found that the best exchanges in the field allow the use of this payment method with small deposit amounts.

For example, if you choose to purchase Bitcoin using a credit card on eToro, the minimum deposit threshold is just $10. In comparison, traditional bank transfers often require a much higher minimum deposit due to processing fees.

Credit card payments without fees are now possible

Investors are often deterred by the high credit card fees that cryptocurrency exchanges charge. Typically, the industry average is 3-5% when using a credit card. Even with lower fees, this means that you will pay $3 for every $100 invested.

When using eToro, however, you can waive credit card deposit fees altogether. This is because the exchange supports credit card deposits without fees if the payment is made in US dollars.

Ideal for cell phone users

Many investors in the cryptocurrency space prefer to buy and sell bitcoin using smartphone apps. If this sounds like you, you'll be happy to know that the best cryptocurrency apps in this market support credit card payments.

This makes trading Bitcoin on the go very easy - no matter where you are. In comparison, depositing funds via ACH or bank transfer directly into a cryptocurrency app is not possible - because you have to transfer funds externally.


Using your credit card on a trusted exchange - such as the provider described today - is very safe. Of course, you will have to enter your credit card information directly on the exchange's website.

However, the four providers we have discussed on this page use encryption tools when processing credit card payments. This means that the exchange will not be able to see the credit card numbers you enter.

Therefore, using a credit card to purchase Bitcoin is very safe - provided the platform you choose is reputable.

Easy payouts

Another advantage of buying Bitcoin with a credit or debit card is that you can easily withdraw money. After all, when you invest in Bitcoin, you are probably doing so to make a financial gain.

And the only way potential profits can be realized is by selling bitcoin back for cash.

Once this is done, platforms such as eToro i Crypto.com allow you to withdraw US dollars back to the same credit card you used to make the deposit.

Is it possible to buy bitcoin with a credit/debit card without verification?

Contrary to what other websites say - it is not legally possible to buy Bitcoin with a credit card without an ID.

Primarily because in order for cryptocurrency exchanges to accept traditional payment methods - such as credit cards, ACH or Paypal - they must comply with anti-money laundering regulations.

As such, the cryptocurrency exchange is legally obligated to verify all registered customers who wish to deposit and/or withdraw funds in US dollars.

If you happen to come across a cryptocurrency exchange that claims to offer anonymous bitcoin purchases with a credit card, it is either doing it illegally or the platform is simply a scam.

Either way, we strongly advise you to buy Bitcoin with your credit card only on regulated and trusted exchanges. This way you can be sure that your credit card details are securely encrypted and your Bitcoin tokens remain safe at all times.

Moreover, it should be noted that the top cryptocurrency exchanges in this market - such as eToro and Crypto.com - have automated KYC processes.

This means that as soon as you upload your ID, the platform should be able to verify it immediately. It also means that you no longer have to wait several business days for the exchange to manually verify your account.

How to buy bitcoin with a credit card on eToro - Guide

If you are looking for tips on how to buy bitcoin with a credit card - keep reading.

In this chapter, we will explain this process step by step using eToro, which allows you to deposit US dollars via credit card without fees.

What's more, it takes less than five minutes to open an account, and you only need to deposit $10 to start.

Step 1: Open an account on eToro

To begin the process of investing in Bitcoin, you must first register on eToro. You can do this by clicking "Join Now" on the homepage and filling out the registration form that will appear.

Open an eToro account

Some of the personal information that needs to be provided are name, residence status, address, date of birth. You should also enter and verify your cell phone number and email address.

Step 3: Deposit funds via credit card

The next step is to deposit US dollars using a credit card. eToro supports Visa, MasterCard and Maestro cards. First, enter the amount you want to deposit. The minimum amount on eToro is $10.

pay card on etoro

Then, after selecting a credit card from the list of supported payment methods, you will be asked to securely enter

  • 16-digit card number
  • Expiration date
  • CVV number.

Once the deposit is confirmed, the funds will be immediately added to your eToro account.

Step 4: Search for Bitcoin in the site's search engine

Now that you have funds in your eToro account, you can proceed to buy Bitcoin. First, type "Bitcoin" in the search bar at the top of the page.

buy bitcoin with a credit card on eToro

buy bitcoin with a credit card

When the bitcoin appears, click on the "Buy" button.


This beginner's guide explained where to buy Bitcoin instantly with a credit card. In addition to reviewing the top five Bitcoin exchanges in this space, we've also walked you through the investment process on the low-fee eToro platform.

When you choose eToro, you can deposit U.S. dollars via credit card without incurring any transaction fees. What's more, you only need to deposit $10 with your credit card - so eToro is ideal for those on a tight budget.

The views and opinions expressed here are solely those of the author and should not be taken as financial advice either. Every investment and transactional activity involves risk, so you are advised to do your own research when making any trading, investment or financial decisions.