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How to Buy Bitcoin with Credit Card

It is today increasingly possible to buy Bitcoin with a credit card, regulated exchanges accept this method of payment - given its average yearly returns it may even be a way out of debt for some.

Credit cards have become one of the easiest methods of buying Bitcoin and other altcoins for investors. In previous years this was not a favored payment method as it often involved fraud, however today many anti-fraud companies and brokerage firms have made it possible to safely and easily buy Bitcoin using a credit card.

The most well-known, regulated cryptocurrency trading platforms now accept credit cards as a fiat on-ramp to purchase cryptos. We review the best exchanges to buy Bitcoin with credit, how to do so in screenshots, and what you need to consider before getting started.

How to Buy Bitcoin with Credit Card

  1. Choose a Bitcoin exchange – we recommend eToro as it’s FCA, ASIC and CySEC regulated
  2. Create an account
  3. Deposit funds into your account, selecting the credit card option
  4. Search ‘Bitcoin’ in the drop-down menu
  5. Click ‘Open Trade’ and select an amount of Bitcoin to buy

Best Brokers to Buy Bitcoin with Credit Card in November 2021

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As you will find plenty of cryptocurrency exchanges that allow you to buy Bitcoin with a credit card, you may be confused about which one to choose to get more efficient and safe trading.

In the above list, we included brokerage platforms considering some crucial factors. In the first case, we examined their security systems and website safety to recommend the most trustworthy and reliable brokers. Almost all the trading platforms we included in the list are regulated by top financial institutions and have strong privacy policies. 

Secondly, we figured out their pricing systems, which includes what trading and non-trading fees the brokers charge. Some brokers and exchanges also apply hidden fees that they can include in the asset price, so you need to be careful with this too. As for trading fees, brokers basically charge either commission fee or spreads or, in some cases, both of them. 

At last, if you plan to buy and sell assets frequently, you should choose a broker with lower fees. eToro, for instance, charges only spreads, which are very competitive. In contrast, Libertex does not take spreads but charges low commissions. We also examine their non-trading fees, such as withdrawal, conversion and deposit fees, management costs, and so on, as they can also eat your profits in the process. 

How to Buy Bitcoin with Credit Card 

In this section of our guide, we’ll show you a step-by-step process of how to buy Bitcoin with a credit card with one of our recommended brokers, eToro. Being one of the most popular brokerage platforms, eToro stands out with several features: a social trading platform with unique tools, excellent user experience, strong regulations, zero-commission for trading, etc.

eToro is also a CFD trading platform, meaning you can buy Bitcoin in the forms of CFDs, though it enables you to also buy Bitcoin outright. The platform offers a vast selection of assets and supports multiple payment methods to deposit and withdraw funds. To get started, here’s what you need to do. 

Step 1. Open an Account

To get started, you need to visit eToro’s website and register for an online account by clicking the “Join Now” button. It’s a rapid and straightforward process, as long as you need to fill in some details such as your username, provide an email and create a password. Then, you need to continue the registration process by providing more personal information – name, surname, phone number and answer eToro’s questions about your investment goals. 

eToro registration

Step 2. Verify Your Account

Due to its heavy-regulatory systems, verifying your account on eToro is mandatory. There are two verification documents required by the broker – proof of identity and proof of address. For the first verification, you need to upload a photo of your driver’s license or passport, and for the second verification, you need to provide a bank document or utility bill. If you do all the steps appropriately, your account will be verified in relatively a short time.

eToro regulation

Step 3. Deposit Funds via Credit Card

In this step, you can eventually transfer some funds to your brokerage account. eToro offers multiple payment methods – bank credit cards, wire transfers, and several e-wallets. There are no deposit fees for all of these methods, but eToro takes low conversion fees for non-USD transfers. To deposit funds, click on the “Deposit Funds” button, choose the credit card option, fill in your card details and the amount you want to deposit. 

Step 4. Buy Bitcoin

If you have successfully completed the previous steps, you are now ready to buy Bitcoin with a credit card. To do that, you need to search BTC/Bitcoin in the search toolbar, fill in the amount you want to buy, and complete your purchase. eToro will immediately process your order and complete your purchase anytime you place the order as the cryptocurrency market is open 24/7. 

Buy bitcoin eToro

Buying Bitcoins Instantly with Credit Card without Verification 

There are several methods to buy Bitcoin with a credit card without going through any verification processes. At first, though, we should mention that all of these options involve higher risks of data leaking and fraud – They are not as safe as trading with regulated brokers as long as top brokers provide strong safety with your information and funds. 

Many of the cryptocurrency exchanges that support buying Bitcoin with a credit card without verification are not regulated. So, you need to be very careful not to provide your card details to a susceptive platform. 

There are also peer-to-peer marketplaces where you buy cryptocurrencies directly from the seller. On these platforms, you browse around to find the best seller for you, get in touch, and they will directly send it to your Bitcoin wallet. With this in mind, you can also face situations when you send the money but won’t get your cryptos. Hence, you had better select such a P2P marketplace that provides an escrow mechanism. 

Another option is to buy BTC from a Bitcoin ATM. You can take a look at the BTC ATMs map to find out if there is an ATM machine near your location and buy Bitcoin with a credit card. But this method also has its drawbacks, most notably high fees and availability. 

Advantages and Disadvantages of Using a Credit Card for Buying Bitcoin

Obviously, there is no perfect payment method in all senses – some take longer to transfer funds, others require higher trading fees, and so on. So, you need to select the one that best suits your requirements. With this in mind, before you get started, below you can find the advantages and disadvantages of buying Bitcoin via credit card. 


  • Credit cards allow you to buy Bitcoin instantly compared to wire transfers when the purchase may take several days. 
  • Several heavily regulated brokers and crypto exchanges approve credit cards as a payment option.
  • It’s a more user-friendly and straightforward method of purchasing cryptocurrencies.
  • Because of being quicker than other payment methods, credit cards give more security in these terms. 
  • With credit cards, there may be some limitations on the amount you can buy to help you invest with caution. 


  • It may negatively affect your credit score.
  • Crypto trading platforms may apply higher fees for credit cards. 
  • Some Brokers and exchanges may also limit how much BTC you can buy with a credit card.

Withdrawing Bitcoin from a Brokerage Account 

After getting your Bitcoin, you can create a personal Bitcoin account and withdraw your cryptos to store them on a Bitcoin wallet more safely. But whether you can do this or not depends on how you made your purchase. If you trade BTC through Contracts for Differences, you actually don’t own the asset, and simply speculate on the price of the asset. Therefore, in this case, you cannot withdraw Bitcoin and send it to a personal wallet. 

In contrast to this, buying Bitcoin outright on a crypto exchange will give you the opportunity to transfer your coins to a more secure private wallet. Firstly, you need to find a platform that provides a BTC wallet account, create an account, and complete the transfer. You can find more information on this topic in our guide How to Open Your Free BTC Account. 

Where to Buy Bitcoin with Credit Card in November 2021

Nowadays, it is crucial to select a trustworthy broker when you buy Bitcoin with a credit card. This is because you not only trust valuable information about your identity but also you provide your credit card details. And if someone could hack your brokerage account, they can also get access to your credit card and all the checking accounts linked to it. 

With that in mind, below we will provide a list of the safest brokers to buy Bitcoin with a credit card. These brokers stand out with their excellent regulations, pricing systems, and some other essential features.

eToro – Zero-Commission Broker to Buy Bitcoin with a Credit Card 

According to the research we have done, eToro is the best choice to buy Bitcoin with a credit card. It was launched in 2006 and has gained a tremendous reputation among investors, especially beginners who want to get access to a user-friendly and easy-to-use trading platform. Today, eToro has 20 million registered users that particularly like this broker due to its social trading platform, the low commissions, and the great trading tools it offers. This includes social trading tools called CopyTrader and CopyPortfolios, which you can use to mirror the trades or portfolio of any professional trader you would like to follow.

eToro’s pricing system is also pretty convenient. To buy Bitcoin with a credit card, you don’t need to pay any commission fees. Instead, eToro charges small bid-and-ask spreads, which is 0.75% for Bitcoin. To start trading on eToro, you need to have a minimum deposit of $200 on your brokerage account. There are no extra deposit fees, though you need to take into account a $5 withdrawal fee every time you withdraw your cash. 

At last, eToro is a fully licensed legal broker that is regulated by such top institutions as FinCEN in the US, FCA in the UK, ASIC in Australia, and CySEC in Cyprus. This means eToro guarantees your safety of funds, making it one of the most reliable brokers worldwide. 


  • Excellent social trading platform
  • Great user-experience
  • Buy bitcoin with credit cards with zero commissions
  • Good reputation among traders
  • Regulated by 4 top financial institutions
  • Buy Bitcoin through CFDs and outright


  • Inactivity fee of $10/month after a year of inactivity
  • Lack of advanced tools and charts for expert traders.

Visit eToro

Libertex – Buy Bitcoin CFDs with No Spreads

Libertex ImageLibertex is an excellent no-spread CFD trading platform that was designed for those who want to actively trade financial instruments. The broker was founded in 1997 and is among the most trustworthy trading platforms, with more than 30 industry awards to its name. Along with its well-designed in-house trading platform, Libertex also supports MetaTrader4 and MetaTrader5 trading platforms.

In contrast to most CFD platforms, the broker does not take bid-and-ask spreads and charges fixed commission fees that are very competitive. Also, Libertex does not charge withdrawal and deposit fees, registration is free, and there are no management or account fees. So, the only fee to consider for using the platform is a monthly inactivity fee of 10 EUR after three months of inactivity.


  • Enables to buy Bitcoin with no spreads
  • Supports MetaTrader4 and MetaTrader5
  • No withdrawal/deposit/account fees
  • Heavily regulated
  • Operates 24 hours/day 


  • Does not accept US investors
  • You can buy bitcoin only through MetaTrader4
  • Only CFD trading is available 

Visit Libertex – Buy Bitcoin with an AI Trading Platform LogoBeing a completely new CFD trading platform in the industry, has gained a good reputation among its users. The platform accepts customers from over 50 countries worldwide and stands out with its innovative trading tools. supports a wide selection of assets, including 29 cryptocurrencies that customers can trade using artificial intelligence-based solutions. 

The platform offers four types of trading accounts – Standard, Plus, Premier, and Invest – each type of account is designed for traders of different levels. When it comes to trading fees, the broker does not apply commissions but charges variable spreads, which is 0.5% for BTC trading. The minimum deposit fee is £/$/€20, but this differs depending on the trading account you select. 

Finally, the platform accepts several payment methods, including credit and debit cards, wire transfers, and several e-wallets. also stands out with its firm regulations – the broker is regulated by three tier-1 authorities (ASIC, FCA, and CySEC) and the National Bank of the Republic of Belarus. 


  • Incorporates AI technologies to provides trading insights
  • Charges low spreads and no commissions
  • Multiple payment options, including credit card
  • Huge range of over 200 cryptocurrencies
  • A wide selection of assets
  • Low deposits to start trading
  • Various account options


  • Offers only CFD trading
  • High deposit requirement for professional accounts

Visit Capital

Coinbase – Buy Bitcoin with a Credit Card in the US

Coinbase is a US-based cryptocurrency exchange that is best known for its great user interface and a bunch of trading tools for all types of traders. Though Coinbase is most famous within the US, it also accepts customers from other countries and already has 68 million users worldwide. The exchange offers two types of accounts – Standard account and Coinbase Pro. The first is best suited for those who want to make a one-time purchase and buy and hold various crypto coins while the Coinbase Pro is ideal for active crypto traders who are looking for an advanced trading platform and low fees.

Compared to other platforms, Coinbase takes a relatively higher commission, which is charged every time you make a buy or a sell order. Plus, there is a deposit fee of $3.99 every time you transfer funds using a bank card payment option.

Generally, Coinbase supports trading more than 50 cryptos and 60 crypto pairs, while it also accepts buying BTC with 40 types of fiat currencies and ETH with seven currencies. You can also get access to other cryptos using USD Coin (USDC).


  • Excellent mobile trading apps for Android and iOS
  • A crypto exchange with a good reputation
  • Offers extra Coinbase Pro account for professional traders
  • More than 60 crypto pairs
  • High liquidity


  • Fees are higher than most of the other platforms
  • No phone customer support

Visit Coinbase

Plus500 – Buy Bitcoin outside the US with no Commissions

Plus500 logoPlus500 is among the most reputable CFD trading platforms, with customers from more than 50 countries. It’s a commission-free broker with pretty competitive spreads, a high leverage ratio, and a simple to use web-based and mobile trading app. Also, Plus500 is a highly trustworthy platform as it has licenses from such regulatory financial institutions as ASIC, FCA, and CySEC.

Regarding its non-trading fees, the broker does not apply any withdrawal fees but charges currency conversions. There is also an inactivity fee of $10/month if you don’t show any activity within three months. Plus500 requires a minimum deposit of $100, which you can transfer through multiple payment options, including credit cards. 

The broker offers web trading via its WebTrader online platform and offers trading apps for Android, iPad, and iPhone users. Along with bitcoin and cryptocurrencies, the broker supports a wide selection of other assets, including ETFs, indices, forex, commodities, etc.


  • Good regulations by top financial organizations
  • Competitive spreads
  • No commissions for trading
  • Well-designed platform 
  • Trading apps for iPhone and Android users
  • Guaranteed stop for loss orders


  • CFD trading only
  • Does not operate in the US
  • Lack of educational content

Visit Plus500

Buy Bitcoin with Credit Card Broker fees  

If you have decided to trade with one of our recommended platforms and still need more information to choose the best platform, below we have compared the best brokers and exchanges to buy bitcoin with a credit card in 2021:

eToro Libertex Coinbase Plus500
Commission Fee No commissions Vary from 0.47% to 2.5% No commissions 1.49% No commissions
Spreads 0.75% for BTC No spreads Spreads + overnight fees 0.5% included in the price 0.30% for USD/BTC, overnight fees
Deposit Fee No No No 3.99%  No
Withdrawal Fee $5 1 EUR,

3-5 days

No n/a No
Inactivity Fee $10/month after 1 year of inactivity 10 EUR after 3 months of inactivity No No $10/month after 3 months of inactivity
Minimum Deposit $200 100 EUR $20 for standard account Not required $100

Everything to Bear in Mind When Buying Bitcoin with Credit Cards

Below are the main points to consider before you make your first bitcoin purchase with a credit card. 

Credit cards: As you will deal with credit cards, first and foremost, you need to research to find out what kind of credit cards the broker typically accepts for transactions. After clearing it, you need to check if the credit cards you own suits the recruitments, or you need to issue a new one. Top brokers usually accept American Express, Visa and MasterCard issued credit cards. 

Selecting a good broker: Selecting a good brokerage platform must be a priority for you, as the right broker can save you lots of money that you may lose in the trading costs. Nowadays, it’s becoming more and more tricky to find a good broker as the internet is flooded with plenty of brokers offering their services. Hence, it may take you some time to choose the right platform. But instead, you can pick one from our list of the top brokers, which we have carefully selected after reviewing several such platforms. 

Safety: When it comes to providing your card details to an unknown platform, it goes without saying that safety is a top priority. Here is why you need to check out if your broker is licensed and regulated by top-tier financial organizations. Safety is the first thing we consider offering you to trade with this or that broker. So, we make sure that all our recommended brokers have good regulations and robust safety systems. 

Trading and non-trading fees: Obviously, your brokers don’t operate for free, and every time you use their services, you must pay for it. This comes in the form of trading and non-trading fees. Some brokers charge higher prices while also taking extra hidden fees; others offer a pricing system that is pretty competitive in the market. With this in mind, make sure you choose the broker that is right for your trading style and the way you plan to trade digital assets. 

Transaction time: Depending on the payment method you choose, your transactions may be processed in a shorter or longer time. Credit cards usually have priority in terms of speed, as transactions are speedy and simple. . 

Bitcoin wallet: There are also certain things to consider after you complete your purchase. The first thing refers to storing your coins in a safer place than your brokerage account. In that aspect, if trading with CFD platforms, you need to make sure your funds are kept in segregated accounts. However, if you decide to buy bitcoin with a credit card via a crypto exchange, it’s best to open a reputable and popular bitcoin wallet and store your coins in it. 

Taxation: In general, it’s important to mention that in many countries, bitcoin is classified as property; hence it’s a taxable asset. Thus, you should report to the appropriate government bodies about every capital gain you have made and be taxed according to the law.

Safety and Security When Buying Bitcoin with a Credit Card

As mentioned previously, safety is a top priority that we must take into account before you get started. The problem is that you need to provide too many details about your identity during the registration and verification processes. Plus, using a credit card makes it even riskier than using e-wallets or bank transfers. 

This is the main reason why we always recommend choosing a broker with strong regulations and safety systems. Brokerage platforms that are registered and regulated with tier-1 authorities can ensure your security and the safety of your funds. Due to their privacy policy, they will also not share your information with a third party, and they usually use strong SSL protocols to protect your account and keep hackers away from any fraud. 

Buying Bitcoin with Prepaid Credit Cards

While a credit card is a great option to buy bitcoin, Prepaid credit cards are also widely accepted among bitcoin investors. These cards are usually safer as they are not linked to your other account, and you provide fewer details when linking them to your brokerage account. To learn how to buy bitcoin with a prepaid card, visit our guide Buy Bitcoin with Prepaid Card, where you will find all the essential information related to this payment option. 

How to Store Bitcoin on a Digital Wallet 

Bitcoin Wallet to secure coins safelyCryptocurrencies are primarily stored in digital wallets that are specially designed for this purpose. These are decentralized apps or physical devices that provide a safe place for your coins and are almost impossible to hack. 

So, when you buy bitcoin as a long-term investment, it’s not secure to leave them on your exchange account. Instead, you had better build your personal crypto wallet and transfer your coins into it. You can find more information about how to create a bitcoin wallet in our guide, Best 5 Bitcoin Wallets

eToro - Our Recommended Crypto Platform

Our Rating

eToro exchange
  • ASIC, CySEC and FCA regulated - 20 Million Users Worldwide
  • Buy with Bank transfer, Credit card, Neteller, Paypal, Skrill, Sofort
  • Free Demo Account, Social Trading Community
  • Free Secure Wallet - Unlosable Private Key
  • Staking Rewards for holding ETH, ADA or TRX
  • Copytrade Winning Crypto Traders - 83.7% Average Yearly Profit
eToro exchange
68% of retail investor accounts lose money when trading CFDs with this provider.

Buying Bitcoin Anonymously with Credit Cards

To buy bitcoin anonymously with credit cards, firstly, you need to find a cryptocurrency exchange that does not require you to go through the verification process. There are some peer-to-peer marketplaces and exchanges that will allow you to buy bitcoin in this way, such as Binance. 

But the problem is that – even if you skip the verification, you anyway provide some personal information registering your card details. Plus, this method is not recommended as long as the verification process is strongly required for the broker to protect your identity and safety.

Taxation on Bitcoin Earnings in the US

As we have already mentioned, the US Internal Revenue Service applies taxes for Bitcoin as digital currencies are classified as property. So, every time you get rewards from trading Bitcoin, you must inform the body about your capital gain and be taxed accordingly. 

Depending on the period you hold your BTC before you sell it and gain capital, the taxes applied for the cryptocurrencies can be of two kinds – short-term and long-term capital gains. Each type of capital gain is taxed differently, so you need to check the IRS’s website to know how your assets will be taxed. 


To sum up, a credit card has become one of the most convenient methods of purchasing Bitcoin and other cryptocurrencies. Crucially, there are certain things to consider before you get started – The first thing you need to care about is your safety as long as you basically share information about your identity and credit card to the broker. Then, you need to find the platform that charges low fees for buying Bitcoin with a credit card and does not maintain strict limitations as to how many Bitcoins you can buy with a credit card. 

In these terms, eToro and all the other brokers included in our recommendation list are excellent platforms to buy Bitcoin with a credit card. To get started, you need to create an account, verify and fund it using a credit card, and place an order to buy Bitcoin. 

Best Choice to Buy Bitcoin with Credit Card in the U.S.

Our Rating

eToro exchange
  • 120+ Cryptos Wallet Available
  • Debit and Credit Card Accepted
  • $200 Minimum Deposit
  • Social Trading Platform & Copy Trading
  • CySEC & FCA regulated
eToro exchange
68% of retail investor accounts lose money when trading CFDs with this provider.


How to buy bitcoin with a credit card?

You can buy bitcoin with a credit card via brokerage platforms or crypto exchange platform. The process is fairly simple - you need to open an account, verify your identity and fund your account with a credit card. In some cases, you can buy bitcoin directly with a credit card in a process that is very similar to any transaction you make online.

Where to buy bitcoin with a credit card?

Nowadays, there are various ways of buying bitcoin with a credit card. But, the most trustworthy platforms are brokers with good regulatory systems. eToro, for example, is among the most reputable brokers in terms of its pricing system, safety, and user experience. Other brokers included in our list can also be good options to buy bitcoin with a credit card.

How to buy bitcoin instantly with a credit card?

Using a credit card is usually a very fast method of buying bitcoin. Though additional fees may be applied, you will get your cryptocurrency in a matter of minutes or hours.

Where can I buy bitcoin online with a credit card?

You can buy bitcoin online with a credit card on brokerage and exchange platforms. eToro, Coinbase,, Libertex, and Plus500 are all thoroughly reviewed and recommended brokers by us.

How can I buy bitcoin anonymously with a credit card?

Peer-to-peer marketplaces usually allow you to buy bitcoin without verification, and are the best option to buy bitcoin anonymously. For those unaware, a P2P marketplace is a platform where you can directly communicate with the seller, discuss the details about how you will make a contract, and complete the purchase. To avoid being misled on such platforms, you had better select the one that provides an escrow mechanism.

How long does it take to get my Bitcoins after using a credit card?

This depends on the cryptocurrency exchange you are using to buy bitcoin. But on the whole, the credit card method is the quickest option to purchase cryptocurrencies. Usually, it takes from 5 minutes to hours, in contrast to the wire transfer method, which can take even days.

Are my credit card details stored on the Bitcoin exchange site?

Your credit card details are stored on the exchange or brokerage platform, but brokers with a privacy policy cannot provide your information to a third party, so you can be sure your data is protected.

Is it safe to buy Bitcoin with a credit card?

It depends on which trading platform you use. Top brokers usually are regulated by tier-1, two, or at least tier-3 financial institutions, which means that if you decide to trade with such platforms, your funds are most likely safe.

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eToro - Best Cryptocurrency Platform

eToro - Best Cryptocurrency Platform

eToro - Best Cryptocurrency Platform

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68% of retail investor CFD accounts lose money.

eToro - Best Cryptocurrency Platform
Buy Crypto

68% of retail investor CFD accounts lose money.


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