How to Buy Bitcoin & Crypto with a Credit Card

Can I Buy Bitcoin with a Credit Card?

Yes, most regulated cryptocurrency exchanges accept credit card payments, allowing you to quickly purchase Bitcoin. 

Popular cards like American Express, Mastercard, VISA, and MBNA are commonly supported, making it easy to deposit funds instantly in major currencies such as USD, EUR, or GBP. Once you've linked your credit card, buying Bitcoin takes just a few clicks.

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Best Crypto Exchanges for Credit Cards

If you prefer buying crypto with your credit card, choosing the right exchange can help you save on fees and gain access to the cryptocurrencies you want. 

Here’s a quick comparison of five trusted platforms supporting major credit cards globally.

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How to Buy Crypto with a Credit Card

You can quickly buy crypto with a credit card using Bybit, which accepts major providers like VISA, Mastercard, American Express, and MBNA. Bybit supports instant deposits in more than 65 fiat currencies and operates in over 160 countries, giving users worldwide fast access to Bitcoin and 1,700+ other cryptocurrencies.

Here’s how buying crypto on Bybit works:

• Open an account: Sign up on Bybit and complete identity verification.
• Choose Credit Card: Head to the "Buy Crypto" section and select credit card as your deposit method.
• Deposit Funds: Pick your currency (USD, EUR, GBP), enter the deposit amount, and input your card details.‍
• Purchase Crypto: Select the cryptocurrency you want, enter the amount, and confirm your transaction.

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Credit Card Deposit Fees for Exchanges

Crypto exchanges usually apply deposit fees of around 2–3% for credit card transactions. On top of that, your credit card issuer often treats these deposits as cash advances, adding extra costs. 

American Express generally charges about 3% with immediate high interest (around 26–29% APR). VISA and Mastercard fees typically range from 3–5%, with APRs near 24–27%. Discover charges roughly 5%, but fewer exchanges support it. JCB's fees align closely with VISA and Mastercard, around 3–5%, depending on the issuer.

Check your card’s specific terms beforehand to avoid unexpected expenses.

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Best No-KYC Exchanges for Credit Card Purchases

Some crypto exchanges allow you to use a credit card without completing identity checks (KYC). Two widely-used platforms offering this are:

• BloFin: Based in the Cayman Islands, BloFin lets users deposit via credit card without KYC. It supports 500+ cryptocurrencies, spot markets, and futures trading with high leverage.
• Bitunix: Bitunix also enables credit card deposits without identity verification. It offers trading for 300+ cryptocurrencies, both spot and futures, with leverage up to 125x.

These exchanges provide privacy benefits but come with reduced regulatory oversight. Always carefully evaluate risks before using them.

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Final Thoughts

Buying crypto with a credit card is fast and convenient, but the choice of exchange and credit card issuer directly affects your overall costs and experience. 

Opting for a regulated exchange balances security and accessibility, while no-KYC platforms suit privacy-focused traders comfortable with higher risks.

Before proceeding, confirm your card issuer’s specific fees and policies to avoid surprise charges.