Buy bitcoin using credit card

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Buy Bitcoin with a credit card or debit card

Consumers in the U.S. alone made 39.6 billion credit card purchases in 2019, and chances are you have several of those little plastic squares on you right now. As the industry standard for online purchases, credit and debit cards offer a quick and convenient way for you to acquire bitcoin. While not built for heavy trading, using credit cards to buy Bitcoin is an excellent option for first-time buyers and people looking to use Bitcoin (BTC) to purchase goods.

Why should you buy Bitcoin with a credit card?

Benefits of using a credit card

Credit cards allow you to buy Bitcoin instantly. You don’t have to wait the 3-8 days that it usually takes for bank transfers to go through, which adds convenience and security. There are no advanced forms to fill out, and platforms are user-friendly, ideal for beginners.

The card allows investors like yourself to use FIAT currencies to make their purchases, and the card will automatically make any exchanges for them. Buyers can leverage their credit lines, allowing them to purchase more Bitcoin than they have liquid assets. While very risky, there are times when this strategy is advantageous.

Drawbacks of using a credit card

Platforms generally charge you higher fees for credit card transactions. Depending on the exchange, these fees can be as high as 5%. You aren’t anonymous when you buy with a credit card, and your cards need to be linked to a bank account.

Despite leveraging credit lines, the amounts of crypto you can purchase with credit cards will be lower than other methods. You wouldn’t buy a house with a credit card, would you? The same logic applies here. These purchases will also affect credit ratings like any other purchase and lower their score if the balance climbs too much.

Bank wire transfers will have lower fees and are preferred for larger transactions, but they take longer. ATMs are convenient, but they still charge you high fees and require your physical presence. Buying Bitcoin with PayPal is just now starting to be widely available, and isn’t very secure.

Where can you buy bitcoin with a credit card?

Given how easy it is for companies to accept credit card payments online, most exchanges and marketplaces that trade Bitcoin accept credit cards. Some of the options include:

• Exchanges are platforms dedicated to trading cryptocurrencies like Bitcoin. The exchange acts as a third party to match up buyers and sellers while securely handling the funds during transactions. Traders hoping to make money and move large amounts of Bitcoin favor these platforms. The cryptocurrencies bought in these exchanges aren’t kept here and will need to be transferred to a wallet to keep them safe.
• Peer to peer marketplaces match up buyers and sellers. People looking to purchase Bitcoin can search and find others looking to sell it, negotiate prices, and make a transaction without intermediaries. Like exchanges, this is a place to buy Bitcoin, but you need to transfer it to a wallet to be able to use it.
• Crypto enabled ATMs allow buyers to purchase bitcoin at a physical kiosk quickly. These ATMs are starting to pop up, and there are even maps to find locations. They work similarly compared to standard ATMs, allowing you to pay a fee to purchase bitcoin with a credit or debit card. The ATM will transfer the funds into your wallet after the purchase.
• Dedicated apps, like our Ledger Live, allow users to purchase Bitcoin and directly import it into their wallets. You can purchase cryptocurrencies securely and have them instantly available in your hardware wallet. There are no intermediary fees, and your assets are secure without the added step of transferring them somewhere safe.

How do you buy Bitcoin with a credit card?

The steps to buying Bitcoin online with a payment card are straightforward. Once you find a fair exchange, like our partner coinify, all you do is:

• Signup by creating an account on the platform that will include your personal and payment information.
• Verify your identity with a passport, national ID, or other documents. This is standard for most platforms to prevent illegal money laundering and is required for larger transfers.
• Choose a wallet where you are going to send and store your bitcoin.
• Place an order, and the Bitcoin will be automatically transferred to your wallet.

The platforms that accept credit cards almost universally accept debit cards. Online purchases rarely distinguish between the card types as long as they are issued by a large credit company like Visa or Mastercard.

Frequently Asked Questions

You can buy Bitcoin anonymously by purchasing it at a Crypto ATM using cash or a prepaid card. Some exchanges won’t require an ID, but will put stricter limits on how much you can purchase. Keep in mind that all exchanges of Bitcoin are publicly available as part of the blockchain technology, but it is possible to hide your identity by making it difficult to tie you to a particular transaction.

Yes, you can buy Bitcoin instantly by using an ATM, a marketplace, or an online service specifically suited to instantly filling your wallet like Ledger Live.

The service you are using may charge a fee to allow you to purchase Bitcoin. An ATM or exchange may give charge either a fixed amount or a percentage of the purchase price. Credit card companies have also started counting buying Bitcoin as a cash advance. Cash advance fees are typically $10 or 3-5%, whichever is greater.

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5 Ways To Instantly Buy Bitcoin With Debit or Credit Card

Websites	Buy Link
CEX	Buy Bitcoin from CEX
Coinmama	Buy Bitcoin from Coinmama
Binance	Buy Bitcoin from Binance
Coinbase	Buy Bitcoin from Coinbase
Bitit	Buy Bitcoin from Bitit
Wirex	Buy Bitcoin from Wirex

Bitcoin is on its way to becoming mainstream, but the biggest hurdle is letting users instantly buy bitcoins.

Most of the Bitcoin exchanges accept many payment options, with the exception of credit/debit cards. One reason for this is because of the irreversible nature of Bitcoin.

However, there are many legit Bitcoin exchanges that have started accepting credit card & debit cards as a payment method.

Here are some of the popular & legit Bitcoin websites where you can use your debit or credit card to buy bitcoins. I have tested these all myself.

Regarding using a credit card, most of these sites use your cash limit on the credit card, so you need to check with your bank to find the limit of your credit card.

So, without further delay, here’s that list:

Do note that, a few credit card companies have stopped allowing the purchase of Bitcoin with Credit cards due to the volatility of the market:

However, I have compiled a list of updated sites that allows users from various countries to buy Bitcoin with debit card.

List Of Sites To Purchase Bitcoin Using Debit Card or Credit Card:

1. Cex.io

I used my travel card (prepaid USD card) to purchase bitcoins on Cex.io & it worked like a charm. CEX has been around for years, and it is one trusted site to buy Bitcoin with debit or credit card.

When you have verified your account, go to the “Cards” section & add your cards.

It may take 1-2 days for card verification, but once it’s verified, you can use it to instantly purchase bitcoins.

Along with BTC, you can also buy ETH (Ethereum) using your credit/debit card.

2. Coinmama

Coinmama is another site where you can use your Credit or debit card to purchase Bitcoins instantly. Unlike other sites, CoinMama doesn’t offer Bitcoin wallet & you need to add your Bitcoin Wallet address on which you want to receive Bitcoins.

I found the price of Bitcoins to be higher here in comparison to CEX.io. However, this is another option that you should keep when you need to buy Bitcoins immediately.

3. Binance

Use the below widget to buy Bitcoin with Debit ad credit card instantly.

Binance is world’s biggest cryptocurrency exchange, and it offers an option to buy Bitcoin with Visa or Mastercard instantly.

Binance supports a large number of countries, and this platform is idle for those who are also looking to trade cryptos after acquiring it.

Binance supports both debit card, and credit card. Binance serves all the countries except USA. There are two payment services available on Binance: Koinal (2.5% fees) and Simplex (3.5%).

The fees is also the lowest, and unlike other platform, you will have access to more sophisticated tools with Binance. Another reason to use Binance is, you will get the best Bitcoin price since it has a lot of buyers and sellers.

4. Bitit

Bitit is a France based Bitcoin company that is selling popular cryptocurrencies including BTC.

And they proudly claim to be the easiest place to get started with cryptocurrencies and I too believe so because they are selling cryptos in exchange of more than 10 fiat currencies.

Also, one can use their service for buying bitcoin from credit/debit cards instantly as they support Visa, MasterCard, American Express, & Maestro powered debit/credit cards.

The process to get started here is simple and as explained below:

And after verification you will be entitled to these limits:

• Purchase up to 1500€ per week via credit/debit card
• Purchase up to 2500€/week by cash voucher, e-wallet or direct banking.

5. CoinBase: (USA customers only)

CoinBase is one of the most popular websites to purchase Bitcoin, Litecoin & ETH. They also support purchasing Bitcoins using Visa debit/credit card & the process is instant. This feature is available to you only if you are from the USA. If are from any other country, you should look at other options listed here.

To get started buying Bitcoins using a debit card on Coinbase, here is what you need to do:

• Register for an account on Coinbase here
• Complete KYC
• Go to the Payment settings page & click on Add payment method.
• Select card & add debit/credit card.
• Coinbase will make two small transactions.
• Login to your card statement account & notice the small transaction amount.
• Add it to your Coinbase account under the payment page (This would verify the card)

After this you can start purchasing Bitcoins anytime instantly using your added debit or credit card.

6. Wirex

Wirex is providing a complete crypto banking solution for UK residents and much more.

Using Wirex you can buy Bitcoin easily.

When you register on Wirex and complete you KYC you get access to a crypto linked bank account. Here you can top-up your account with a debit/credit card and use this top-up to buy BTC anytime.

If you are someone looking for a complete banking solution, Wirex is the way to go as they have their physical cards to available for the UK. Here is the deal from CoinSutra: Wirex Deal: Free Virtual and Physical Bitcoin Debit Card.

Conclusion

Exchange Name	Rating Based On Ease Of Use & Fee
CEX.io	8.5/10
Binance	9/10
Bitit	9.5/10
C oinbase	8/10
Coinmama	9.5/10
Wirex	8/10
Bitcoin ATMs	6/10

I will keep updating this exclusive list of sites that allow purchasing bitcoins using a credit & debit card.

Frequently asked questions:

Can you buy Bitcoins with a credit card?

Yes, there are many services you can use to buy bitcoin with a credit card.

For now, it’s your turn to recommend any site that accepts credit or debit card as a payment method for bitcoins. Do let us know in the comments section below.

Harsh Agrawal is the Crypto exchange and bots expert for CoinSutra. He founded CoinSutra in 2016, and one of the industry’s most regarded professional blogger in the fin-tech space.

An award-winning blogger with a track record of 10+ years. He has a background in both finance and technology and holds professional qualifications in Information technology.

An international speaker and author who loves blockchain and crypto world.

After discovering about decentralized finance and with his background of Information technology, he made his mission to help others learn and get started with it via CoinSutra.

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