How to Buy Bitcoin With Credit Card?

/How to Buy Bitcoin With Credit Card?

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How to Buy Bitcoin With Credit Card? 2018-07-03T12:22:58+00:00
How to Buy Bitcoin With Credit Card?

Quick inner navigation:

  1. Bitcoin Exchanges that accept credit cards
  2. Buy bitcoin with a debit card
  3. Other payment methods for buying bitcoin
  4. Ways of securing bitcoins after buying

“Is it possible to buy bitcoin with a credit card?” The answer to this question is –“yes, absolutely”. Credit cards are always handy when it comes to doing online purchases and bitcoins are not an exception. Here are some tips that will help you if you’re interested in buying bitcoin with a credit card.

But first, the pros and cons of buying bitcoins with credit cards.

Pros of buying bitcoin with a credit card:

  • Simple
  • Fast
  • Supported by the majority of websites
  • Reversible
  • In case of issues (e.g. overcharging etc.) the card company/bank will support you and reverse the transaction.

Cons of buying bitcoin with a credit card:

  • High fees
  • Anonymity
  • Has limits for purchase

Bitcoin trading websites that accept credit cards:

There are several sites where you can get Bitcoins with a credit card. Here are the top 10. >> accepts credit cards for bitcoin purchases. It’s available in the U.S., Europe, and Russia and in several South American countries.

The transaction fees vary depending on the trade volume 0.10% – 0.25%. The fee for buying a bitcoin is 7% and the minimum order amount is 0.01 BTC.

For verification, you need to provide ID information along with scanned proofs and a selfie with the document, personal information, and addresses with a proof of residency.

CoinmamaCoinmama >>

Coinmama accepts credit cards for bitcoin purchases and is available worldwide.

The fee for buying a bitcoin is 5.50%, and in case of credit card payment, additional 5% is added to the fee. You can buy bitcoins valued up to $10,000 with a credit card.

For placing orders, you need to be verified by providing a valid government ID scan, a picture with it and a paper where you need to write “Coinmama”.

LocalbitcoinsLocalBitcoins >>

If you wonder, “Are there websites that allow you to buy bitcoins with a credit card and no verification?” then LocalBitcoins is one of the options you may take.

LocalBitcoins is a platform available worldwide, where the buyers and sellers deal with each other. As a buyer, you have to choose the seller you want to deal with. The seller sets the minimum and maximum amounts of bitcoin trade and decides whether to accept credit card payments or not.

In LocalBitcoins you don’t have to be verified – you just need an email for signing up but some sellers may request detailed information.

The fee charged for transactions is 1%, which may vary depending on the method of payment.

BitPandaBitPanda >>

BitPanda offers a number of payment options, including with credit card and is available in Europe.

The fees for credit cards are around 2-3%, along with the average of 2% of the market rate. The limit for bitcoin purchases with credit cards is 2,500€ per day.

The verification process is different due to account types. For the simplest account type – “Starter” only email verification is needed, while for the “Gold” account you have to verify with your government ID.

CoinbaseCoinbase >>

Coinbase is accepting payments with credit cards for buying bitcoin. Coinbase is available only in 32 countries around Asia, North America, Europe and Australia.

The credit card payment fee is 3.99%. However, American authorities audit Coinbase and profits generated on the website are taxed.

The verification process requires ID card, billing address, credit/debit card and phone number. Limits on credit cards are usually the lowest compared to other payment methods and increase after making some transactions with Coinbase or by fully completing the verification process. The average daily limit of buying bitcoin is $10,000 per day.


Exmo >>

The peer to peer marketplace known as Exmo accepts credit card payments. Exmo is available worldwide in more than 200 countries.

The fee for a deal is 0.2%, and if the payment is done with a credit card, you have to pay additional 6%. The website requires three stages of verification: identity, address verification, and an agreement.

The maximum limit for buying bitcoin in Exmo is $30,000.


Paxful >>

Paxful is a company available around the world. It accepts a vast variety of payment methods including credit cards.

However, credit cards are one of the payment methods that require verification with ID. If you are ready to pay the seller more, you can even have instant bitcoins.

The limitations per payment are a minimum of $20 and maximum of $500, and the payment fee is $0.92.

247 Exchange247Exchange >>

247exchange is available worldwide and accepts payments with credit cards, without requiring verification.

The fee in 247exchange is 3%, and the processing fee is 3.5%. The maximum credit/debit card limit for buyers is $1,000 per day and $10,000 per month.

If you’re a regular customer, you can buy bitcoin instantly with your card. >>

You can buy bitcoin with credit card in as well. The credit card fees are 8% – 10%, decided by the amount of the purchase.

Credit cards from around Europe are accepted by The validation of account requires from buyers ID or passport scan, a selfie with the document and a proof of residence (e.g. utility invoice).

The limits for buyers is 200€ to 5,000€ per day.

CoinCorner Original LogoCoinCorner >>

CoinCorner, which also is accepting credit cards for purchasing bitcoin, is available mainly in the UK and Europe.

The credit card fee is 5%, and the commission that lasts for three years is up to 25%.  The prices are relatively high.

A verification process is required, but it’s different from the other companies listed above. You have to provide information about residence address, ID, the source of wealth, occupation, phone number, but no proofs are required.

How to buy bitcoin with a debit card?

The majority of trading websites, which accept credit card payments, take debit cards as well. Bitcoin purchases with debit cards are as simple as:

  • going to the preferred website (that offers debit card as a payment method),
  • choose a debit card as the method of payment,
  • register the card information
  • Buy the chosen amount of bitcoins.

Pros of buying bitcoin with debit card:

  • Easy
  • Fast
  • Common
  • Usually allows buying bitcoins instantly

Cons of buying bitcoin with debit card:

  • Relatively high fees
  • May be risky as you share your pin code

Other common methods of payment for buying bitcoin

Cash >>

First, it may sound a little weird, but turns out it’s not only doable but also easy.

For buying a bitcoin with cash, you simply should find a seller in your area that is also willing to make a deal with cash.

Afterwards, you’re supposed to select the number of bitcoins you want to purchase, get the account number from the seller and deposit cash to the seller.

Pros of buying bitcoin with cash:

  • Convenient for buying bitcoin anonymously
  • No verification process needed (usually)

Cons of buying bitcoin with cash:

  • Limited number of seller (should be from your area)
  • High exchange rates
  • Inconvenient for buying large numbers of bitcoins

PayPal >>

Our friend PayPal is next to us even when we want to buy bitcoin.

Pros of buying bitcoin with PayPal:

  • Reliable

Con of buying bitcoin with PayPal:

  • High fees

Bank transfers >>

This is yet another method of paying for bitcoins is with bank transfers.

Pros of buying bitcoin with bank transfer:

  • Low Fees
  • Trustworthy

Cons of buying bitcoin with bank transfer:

  • Time-consuming (may take several days to take place)
  • Can be easily tracked

Ways of securing bitcoins after buying

Now let’s see how you should secure your bitcoins after buying them. There are several methods for keeping your bitcoins safe.

The wallets work offline, therefore decrease the risks of theft. Cold storage wallets are among the safest but may be inconvenient for simple use.

There are some methods of cold storage: USB drive, paper wallet, and bitcoin hardware wallet.

Bitcoin hardware wallets have no risks of being hacked.  First, you need to buy a hardware wallet. The recovery sheet you get with it is the most important thing that you need to keep as safe as possible.

To set up a bitcoin hardware wallet you need to set a pin, 24-word recovery phrase (avoid keeping it on your computer).

  • Web wallets

Web wallets are very convenient and handy as you can use them while being attached to public Wi-Fi. Nevertheless, you should avoid storing large amounts of bitcoins in web wallets, as it may be vulnerable to cyber-attacks.


If buying bitcoins used to seem complicated to you, then after reading this it shouldn’t be so anymore. It can be as simple as buying a bitcoin with a credit card and no verification. There are several websites that allow you to buy bitcoin instantly with credit cards and many alternative methods to pay for bitcoins.

However, despite the simplicity and accessibility, you should pay attention to the safety of your purchase afterward.

We hope you enjoyed reading this article and please check out our other articles to find out more about bitcoins.

Leave A CommentOne Comment on "How to Buy Bitcoin With Credit Card?"

  1. Ross Alisha
    Ross Alisha November 1, 2018 at 6:10 am

    “It seems pretty clear to me that Mt. Gox was in the wrong here, and that the Feds were simply trying to enforce the law, not target or weaken Bitcoin.””
    When, if ever, are the feds simply trying to enforce the law? Bitcoin was seen as a threat and thus, were targeted.”

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