Buy Bitcoin with a Credit Card

Buying Bitcoins with a Credit Card Summary

These days it’s getting much easier to purchase Bitcoin with a credit card. The problem of chargebacks has been mitigated through anti-fraud companies, and more and more exchanges allow credit cards as a valid payment option. In this post I’ll review the most popular methods for buying Bitcoin with a credit card.

The easiest way to buy Bitcoins with a credit card would probably be Here are the steps:

  1. Visit and create an account
  2. Choose the amount you want to buy.
  3. Complete your KYC
  4. Enter your Bitcoin address.
  5. Enter your credit card details.
  6. The coins will be sent to your wallet.

If you want to read in depth about additional exchanges that accept credit cards keep on reading. Here’s what I’ll cover:

  2. eToro
  3. Bitpanda
  4. Coinbase
  5. Binance
  6. LocalBitcoins
  7. Indacoin
  8. Xcoins
  9. Conclusion

1. Buy Bitcoin with a credit card through CEX.IO

Pros: Veteran company, high buying limits

Cons: Support can be slow, Higher exchange rates than competition was founded in London, UK, in 2013. Originally, it was a cloud mining provider that owned the mining pool. Back in 2014, GHash was one of the largest mining pools around.

In early 2015, the decision was made by to stop providing cloud mining services. This was based on the low Bitcoin price at the time, as well as the fact that the company didn’t own any mining hardware. The mining pool was terminated. However, would live on, solely as a cryptocurrency exchange platform.

How to Use

  • 1. Open a CEX.IO account.
  • 2. Click on Finance and Deposit next to the requested currency.
  • 3. You’ll then have the option to either wire transfer the money or use your credit card to buy Bitcoins instantly.

One of the best things about is that the platform accepts a lot of different fiat currencies. This makes it useful for people from many different countries. Here’s the list for fiat currencies that are supported

United States dollar (USD)
Euro (EUR)
Pound Sterling (GBP)
Ruble (RUB) also accepts various payment methods to fund the account with either these fiat currencies or cryptocurrency: 

  • VISA
  • S.W.I.F.T.
  • ACH
  • Faster Payments
  • Sepa
  • QIWI
  • Skrill

Therefore, the variety of payment methods make everything super simple for new users. 

2. Buy Bitcoin with a credit card through eToro

Pros: Low fees, user friendly

Cons: Hard to withdraw actual coins

Founded in 2007 and based in the U.K., eToro has more than 17 million users in approximately 100 countries, including millions of registered users in 43 U.S. states and Washington, D.C. as of 2018. At its start, eToro was a graphic-intensive forex platform and it has adapted those tools for crypto trading. Non-U.S. customers can trade additional asset classes such as contracts for difference (CFDs) and stocks on a variety of exchanges.

75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money. CFDs are not offered to US users. Cryptoassets are highly volatile unregulated investment products. No EU investor protection.

3. Buy Bitcoin with a credit card through Bitpanda

Pros: Multiple payment options, relatively low fees

Cons: Not available worldwide

The home of digital assets – that is the USP of the Vienna-based fintech Bitpanda. With more than 50 cryptocurrencies and digital assets, Bitpanda is one of the leading cryptocurrency exchanges in Europe.


Bitpanda was founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek, and Christian Trummer, who still constitute the management board of the company. The company strongly believes in the innovative power of blockchain and cryptocurrencies and has the mission of empowering personal finance and to take financial products forward into the 21st century.

Based on this, one of Bitpanda’s core attributes is ease of use. From the verification process to the purchase of digital assets, Bitpanda ensures that it is as simple as possible for the user to navigate through the platform to guarante great user experience.

To date, Bitpanda counts more than 1.2 million users and more than 250 employees. In 2020, the company received an investment of around 44.6 million Euros from Paypal co-founder and star investor Peter Thiel. The future is looking bright for Bitpanda. Presently the fintech has plans to create a new development and innovation hub in Krakow, Poland and to generate 300 new job opportunities.

4. Buy Bitcoin with a credit card through Coinbase

Pros: User-friendly interface, relatively low fees, established reputation

Cons: Not available worldwide, horrible support

Coinbase was launched in San Francisco in 2012 and is the largest cryptocurrency trading platform in the U.S. It’s also ranked among the top crypto exchanges in the world by traffic, liquidity and trading volumes, according to, a market research website.

Besides a cryptocurrency brokerage, Coinbase also offers custodial services for cryptocurrency storage for institutions, a cryptocurrency payments platform for businesses and its own cryptocurrency, USD Coin (USDC), a stable cryptocurrency linked to the U.S. dollar. In 2021 April, Coinbase became the first U.S. crypto trading company listed on a U.S. exchange, an initial public offering that valued the company at around $86 billion.

How to Use Coinbase

  • 3. Click Credit/Debit Card.
coinbase hielkartya
  • 4. Enter your card’s information.
  • 5. Once the card is confirmed, you can go to Buy/Sell and buy your Bitcoins.
  • 6. The Bitcoins will be sent to your Coinbase wallet.

Credit card purchases of Bitcoin are charged an additional 3.99% processing fee. In order to connect your card, you’ll need to verify your identity by uploading a government-issued ID.

5. Buy Bitcoin with a credit card through Binance

Pros: Good reputation, available worldwide

Cons: Slow verification process, slow support

Binance is a leading cryptocurrency exchange for cryptocurrency traders and enthusiasts looking to buy and sell a wide variety of cryptocurrencies at low fees. Led by its charismatic leader Changpeng Zhao, its defining features are innovation and new features, proactive community, ability to buy bitcoin and altcoins with more than 40 fiat currencies, their own Binance Chain and Binance coin (BNB), Binance Futures and margin trading with up to 125x leverage, and vision to morph into a decentralized autonomous organization (DAO) in the coming future.

6. Buy Bitcoin with a credit card through LocalBitcoins

Pros: Wide variety of sellers, easy-to-use interface

Cons: Sellers will usually take higher fees for credit card purchases, possibility of scam

LocalBitcoins is the largest peer-to-peer service which helps to match Bitcoin buyers and sellers who live close to each other, enabling face-to-face and online transactions. The platform also provides an escrow service which is used to ensure fairness of every transaction made by the users.

The company is one of the oldest exchanges in the industry, founded in 2012 by Jeremiah Kangas, a programmer, and entrepreneur. Currently, it operates in 248 countries and 13774 cities, with a base in Helsinki, Finland.

How to Use LocalBitcoins

  • 1. Sign up to LocalBitcoins.
  • 2. Search for a seller who accepts credit cards (unfortunately, there’s no “worldwide” search, so you’ll need to sift through different countries to find all sellers).
localbitcoins search
  • 3. Verify that the seller has enough of a reputation, and read the terms of the trade.
  • 4. Enter the amount you’d like to buy, and click Send trade request.
buy credit card bitcoin localbitcoins
  • 5. Follow any additional requests as required by the seller.

7. Buy Bitcoin with a credit card through IndaCoin

Pros: Good support, available worldwide

Cons: –

Indacoin is a cryptocurrency exchange that is based in London. The exchange office is located at London Suite 4b, 43 Berkeley Square, Mayfair, London, Westminster, United Kingdom. Established in 2013, the exchange offers a convenient and hassle-free way for individuals to purchase cryptocurrencies using their credit cards. Among the cryptocurrency exchanges that are found on the internet today, Indacoin is unique in the sense that it only facilitates the purchase of cryptocurrencies and not the sale of these digital currencies.

In addition, Indacoin imposes strict buying limits for newcomers to the exchange. For example for the initial transaction, the purchase amount is limited to $200. For the second and third transaction, the limits are $200 and $500 respectively.  You should also note that the second transaction can only be carried out 4 days after the first transaction. As for the third transaction, it can only be done after 8 days after the first transaction. Finally, the total limit for the first month is limited to $5000. Subsequent transactions will no longer be subjected to these limits.

8. Buy Bitcoin with a credit card through Xcoins

Pros: Very quick turnaround for purchases, 24/7 support

Cons: No explicitly-stated fee, accepts USD and EUR only for fiat

Established in 2016, is one of the leading platforms that allows users to buy bitcoin online with a Visa or Mastercard cards. The service requires all users to open an account and verify their identity but the process is nearly instant and takes only several minutes. Xcoins has become an integral part of the crypto ecosystem and has helped more than 250,000 customers from more than 167 to buy and sell more than USD 250 million in digital cash.

In brief, Xcoins is a quality service for everyone interested in acquiring cryptocurrency in a secure and regulated manner. The service offers some of the best exchange rates amongst instant cryptocurrency exchanges, and its non-custodial nature leaves you in control of your private keys, meaning that you don’t have to rely on third parties to keep your coins secure.

9. Conclusion: How do I know which exchange to use?

It can be kind of hard to decide which exchange is the best platform for buying your Bitcoins since there are so many of them. I suggest trying out each exchange with a small amount of money and moving on to larger funds only after you’re comfortable with the process. Once you take the first step you’ll start to notice what you actually value in an exchange and adjust your choices accordingly.