Buy Crypto with Credit Card

If you’re looking to get started with cryptocurrency investing, then you need to understand how to buy crypto with a credit card. Credit cards are just one of the many ways to buy crypto. Other methods include wire transfer, debit cards, Paypal, Revolut, etc. 

This guide is beginner friendly, and it is designed to cover everything about crypto credit card purchases, and where to buy crypto with a credit card. 

How to Buy Crypto with Credit Card – Quick Steps

  1. Look for a crypto exchange that permits credit card transactions. Then, head over to a crypto exchange that will enable you to use a credit card to buy crypto. Popular exchanges include Binance, Coinbase, eToro, etc. Sign up.
  2. Verify your identity. Upload your ID, proof of address, and a selfie (if required) to complete the ID verification.
  3. Input your payment method. Next, you’ll need to upload your card information and save it as your preferred payment method. It is important to note that, some platform requires your deposit money first before purchasing crypto.
  4. Establish your transaction. Decide on the cryptocurrency you wish to purchase or keep, which currency you want to use in making the purchase (USD, CHF, EUR etc.), and the amount you want to buy. Once you’ve confirmed all the details, go ahead and purchase.

👀 You might be interested in: Buy Crypto with Credit Card without Verification

Where to Buy Crypto with Credit Card

1. Binance

Binance is one of the world’s largest cryptocurrency exchanges, handling billions of dollars in daily trades. Its own credit card payment service allows users to buy Bitcoin and Ethereum (ETH) with Visa or MasterCard. You are expected to pay between 3% to 4.5% in fees for credit card crypto purchases on Binance.

Here is how to buy crypto with a credit card on Binance:

  1. Go to the Binance website or download the app for your device.
  2. Register for an account or login into your existing one to begin your transaction.
  3. Select the “Buy Crypto” button and click “Credit Card” as a payment method.
  4. Select the coin you want to buy (BTC, ETH, USDT, etc.).
  5. Enter the amount you want to spend and click the “Buy now” button.
  6. Confirm your order by choosing the “Pay with credit/debit card” option in a pop-up window.
  7. Before clicking the “Confirm” button, fill in the relevant fields and double-check that all information is correct: your full name, billing address, phone number, and email address should be provided correctly for verification purposes.
  8. Enter the 3DS passcode from your bank card or choose other 2FA methods if needed for additional safety measures.
  9. You will receive the cryptocurrency assets after the transaction gets successful.

✅ Pros

  • Low transaction fees
  • High liquidity 
  • You have awide selection of cryptocurrencies to buy and trade

❌ Cons

  • Unregulated in many countries

2. Coinbase

Coinbase is one of the world’s most popular cryptocurrency exchanges that allows you to buy and sell digital currencies like Bitcoin and Ethereum. The user interface is designed to be straightforward and intuitive, making it easy for investors to buy crypto with credit card.  

You can also use credit cards on Coinbase to fund your account or buy cryptocurrencies. Coinbase charges a 2.49% transaction fee on all crypto purchases made using a credit card. It is extremely user-friendly and has a large volume of crypto pairings (e.g., BUSD/BTC).

Here’s how to buy crypto with a credit card on Coinbase:

  1. Sign up for a Coinbase account.
  2. After creating an account, verify your email address and phone number
  3. When your account is created, go to the payment methods page and click “Add Payment Method,” where you will be able to input your credit card details.
  4. Fill in the essential information for “Credit/Debit Card.”  upload your first and last name and your Billing Address and Credit Card Number, expiration date, and security code (CVV). Click “Add Card” once all of the information has been submitted.
  5. A verification process will follow, which may require you to upload a picture of a government-issued ID or other proof of identity documents for security reasons. 
  6. Return to the buy page and input the amount you wish to buy. Then, choose the debit/credit card as your most preferred payment method. Once a transaction is completed, the crypto is deposited into your account.

✅ Pros

  • Low minimum deposit
  • Very user-friendly 
  • Intuitive interface

❌ Cons

  • High trading fees

3. eToro

eToro is known to be part of the leading social trading platforms globally.  With eToro, you can invest in BTC and other cryptocurrencies by purchasing them using your credit card, Paypal, Skrill, etc. Purchases with credit cards on eToro are charged at 0.75% to 5%. Credit card clearance is free. 

The CopyTrader is a unique tool of eToro that allows consumers to watch and copy the trading strategies of more experienced traders in order to make more money.. Currently, eToro supports more than 40 currencies. 

On eToro, here’s a step-by-step guide on how to buy cryptocurrency with a credit card:

  1. Open an account: Add your name, email address, phone number, and country of residence.  Choose “cryptocurrency” as your sign-up purpose, then scroll down to the bottom of the page and click “Open Account.”
  2. Upload a recognized photo ID and proof of address to verify your account (i.e., utility bill). It’s possible that this process will take up to 24 hours to finish. Submit your payment details.  Once your identity is confirmed, click “Buy Now” and select the credit/debit card option. Next, fill in your Credit Card details and submit them.
  3. Validate your card: After submitting your Credit Card details, you will see a message from our Payment Provider. Input the 4-digit code sent to your mobile number and click ‘Submit’ to validate your card.
  4. Buy crypto: Once your credit card has been validated, you will be directed back to eToro, where you can execute the transaction by clicking ‘Confirm.’ Then, the crypto assets will be put into your portfolio.

✅ Pros

  • Copy-trading tool
  • Supports multiple payment options
  • Regulated platform

❌ Cons

  • Transactions are in USD only

4. Coinmama 

Coinmama is a popular cryptocurrency broker platform based in Israel, with over 1.5 million users spread across 190 countries worldwide. The company specializes in Bitcoin and Ethereum trading. In addition, Coinmama lets users buy crypto using their credit card and debit card purchases. 

After verifying your account and card, you can buy Bitcoin on Coinmama with a credit card up to 15,000 USD per month. However, Coinmama charges a higher fee than other exchanges – expect to pay between 4.9% and 5.9% fees with a credit card.

Here’s how to buy crypto with a credit card on Coinmama:

  1. Go to Coinmama’s website.
  2. Choose  the “Sign Up” link located at the top right of the homepage.
  3. 3. Type your first and last names, as well as your email address and password, and then click “Create an account.” 
  4. 4. After completing the registration process, Coinmama will send you an email with a verification link.. Click it to verify your account and activate it for trading.
  5. Once you log into your account, click the “Buy” tab, then select “Bitcoin,” “Ethereum,” or any of the other cryptocurrencies available for purchase on Coinmama.
  6. Choose the amount you want to buy or enter your desired amount in the field provided. Then click “Buy Bitcoin/Ethereum now.”
  7. 7. Next, choose a payment method (“Credit/debit card”). After that, click proceed and enter your wallet address.
  8. 8. Fill up the blanks with the details of your credit card (card number, expiry date, CVV). Take a selfie with a government-issued ID document, such as a passport or driver’s licence, to complete the ID verification process. 
  9. If successful, your card will be charged for the purchase and crypto deposited in your Coinmama wallet.

✅ Pros

  • Simple platform to buy and sell crypto
  • Coinmama is an established platform in the industry (founded in 2013)
  • Highly secure

❌ Cons

  • High fees 
  • No cryptocurrency wallet
  • No trading tools

5. is a popular cryptocurrency exchange that supports trading, investing, staking, wallets, NFTs, etc. The exchange accepts credit cards and debit cards from several providers, including Visa, MasterCard, etc. charges 3% or 3.5% for each transaction depending on Visa and MasterCard credit cards. 

Here is how to buy crypto with a credit card on

  1. Go to your account’s Buy section.
  2. Select the crypto you want to buy, then choose a credit/debit card as your payment method.
  3. Type in the amount of crypto you want (in USD) or the amount of fiat currency you’d like to spend with your card, then click Checkout.
  4. The minimum for a single order is $50, and the maximum is $20,000 per 24 hours when using a credit/debit card.
  5. Cross-check the details of your purchase, then click Confirm to pay with your credit/debit card.

✅ Pros

  • Extensive list of supported cryptocurrencies
  • Support for decentralized finance (DeFi) products 
  • Transparent fees with discounts

❌ Cons

  • High fees unless you hold and use CRO token
  • Trading fees can be confusing

Pros and Cons of Buying Crypto with Credit Cards

✅ Pros

  • You can get that crypto in your account instantly with a credit card. Credit card transactions on most exchanges are usually quick and seamless. 
  • You can buy a small amount of crypto with your credit card. They are easy to use compared to other payment methods. Imply link your credit card to the platform and instantly buy crypto with a credit card
  • High security. Because transactions are not debited directly to your bank account, credit cards offer superior fraud protection. Instead, your credit card company will record it as a charge on your account, which will be paid off when you pay your bill.

❌ Cons

  • Credit cards are not the cheapest way to buy cryptocurrency. Many exchanges attach high fees to crypto purchases made with credit cards. 
  • Purchasing bitcoin with a credit card can be expensive.
  • Your credit card provider may charge you cash advance fees, interest, or other charges depending on your agreement with them.

Buy HI with Credit Card

With hi, you can buy HI or any other cryptocurrency with a credit card in minutes. It’s easy to open a new account, and the platform lets you buy HI instantly. stands out for being safe and secure and can be accessed conveniently via Telegram, WhatsApp, or the web app.  In addition, hi allows members to earn or buy HI to access services and benefits such as yield farming, staking rewards, etc. Furthermore, you can buy and stake popular cryptocurrencies, including coins like Ethereum, Litecoin, Dogecoin, and HI.

Here’s how to buy crypto with a credit card on

  1. Sign in to the hi Web App and tap on “Buy HI.” 
  2. Select “Pay with Cards” in the top right-hand corner
  3. Enter the amount of HI you would like to purchase. The corresponding amount in USD will be automatically calculated. 
  4. Select price rate, tap “Buy HI” and check out to confirm the transaction. 

The minimum purchase amount is just USD10. Then, you can input the number of HI they would like to buy and see a real-time estimate of the selected currency’s equivalent price. You will also be required to complete ID verification in order to purchase HI with a credit card. 

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