Buy Crypto with Credit Card 2020

It’s easy to buy crypto with credit card today but a lot of traders still doesn’t know which crypto exchanges they can trust.

In this article, I will review the best exchanges where you can buy crypto with credit card. I will also explain how to do it with each exchange with an illustrated guide.

I have included some of the most important features for each trading platform like:

  • Supported Cryptocurrencies
  • Credit Card Fee
  • Trading Fee
  • Trading Interface
  • Leverage
  • Security

Before it used to be Coinbase who was the dominating exchange with their fiat on ramp to Crypto.

This has changed and there are now a lot of exchanges that offer people to buy crypto with credit card.

Choose your preferred exchange in the list below or read through the whole review for more information.

The full list of coins will be available for each exchange, so keep reading.

Best Crypto Exchanges with Credit Card compared

ExchangeCryptocurrenciesCredit Card feeTrading feeTrading interfaceLeverageSecurityRating
73.50%0.10%Basic + Advanced125x⭐⭐⭐⭐⭐
485% – 10%0.25%NoNo⭐⭐⭐⭐⭐
105.90% – 10.90%5.90%NoNo⭐⭐⭐⭐⭐
92.99%0.25%Basic + AdvancedNo⭐⭐⭐⭐⭐

Can you buy crypto with a Credit Card?

Yes it’s possible.

There are many trading platforms that off their customers to deposit funds with a credit card.

I’ve selected some the best exchanges I know of and reviewed their functionalities.

These exchanges include:

All of these exchanges are a little bit different, so take your time to read through the whole article before you choose.

For example, Binance is a centralized platform where they have their own order book and their own list of coins.

Changelly is an instant trading platform and they don’t have their own order books or even a trading interface with charting.

They rely on other cryptocurrency trading platforms to get coins at the best prices.

Can I purchase Bitcoin with a credit Card?

Yes you can.

All of the exchanges reviewed in this article will let you buy Bitcoin with a credit card.

In fact, it’s one of the most common ways to invest in bitcoin nowadays.

It’s cheap, fast and very easy to do.

Follow the step by step guide I’ve done fore each exchange and you will be owning Bitcoin in no time.

Make sure you have your Bitcoin and Altcoins securely store in a wallet when you are not trading.

You should never leave more coins on any exchange than you can afford to trade with.

Buy Crypto with Credit Card on Binance

binance crypto credit card exchange screenshot

Cryptocurrencies on Binance

Binance is offering 7 of the major cryptocurrencies for people who wants to pay with a credit card.

Here is a list of all the coins:

  • Bitcoin
  • Binance Coin
  • BUSD
  • Ethereum
  • Ripple
  • Basic Attention Token
  • USDT

One thing to remember.

Many of the major crypto exchanges does not offer you to buy crypto with credit card at all.

So the most important coin you need to consider is Bitcoin.

If you are able to buy bitcoin you are good to go because you can trade this coin against all the other cryptocurrencies.


Why Binance has become so popular is because of their incredibly userfriendly interface.

This is the look of the Buy and Sell function.

buy crypto with credit card screenshot on binance

All you need to do is to select your crypto, choose your amount and press Buy.

It doesn’t get easier than that and this is one reason why I like Binance.

I will explain better how to buy cryptocurrencies on Binance in a few minutes.


Credit Card fees on Binance

The current fee on Binance is 3.5% or 10$ per purchase, which ever is higher.

Here is an illustration of the fees from Binance:

credit card fees on binance screenshot

Since this is a relatively new feature on the Binance exchange I’m quite sure that the fees will drop in the future.

This is almost always the case with all crypto exchanges that adds a credit card function.

The more pople that starts using this option, the more the fees will drop.

Since it’s become increasingly more popular to buy crypto with fiat money we can almost expect the fees to fall soon.

Binance also says that your cryptocurrency will reach your wallet in 10-30 minutes.

This is definitely not a long waiting time considering the long waiting times for some blockchain transactions.


Security on Binance

Binance is considered to be a safe cryptocurrency exchange.

They have been attacked by hackers before but they have defnitely stepped up their security game.

Now Binance has a whole account section dedicated to security.

At the top of the screen you can see the different security measures possible for your account.

Binance gives you the option to add 2FA verifications key.

They let you add KYC-documents if you want extra security.

The KYC-documents helps you in case you need to suspend your account due to a hack.

Only you can send in the correct KYC-documents.

You can add a phishing code to easy protect your email from phising scammers.

This will function will let you know when you recieve emails from scammers trying to act as the Binance exchange.

You can also add Address Management which lets you save all your withdrawal addresses.

In case your account gets hacked the hackers are not able to withdraw funds to any other addresses than these saved addresses.

You should do everything possible to protect your account and Binance has a lot of options.


How to buy Crypto with Credit Card on Binance

Binance has made it super easy to buy cryptocurrency with credit card.

All you need to do is hover over the Buy Crypto button.

This button is located in the top left corner of the first page.

buy crypto with credit card binance screenshot

When you hover this button you will get a drop down menu.

Click Credit / Debit card.

This will take you to the Buy and Sell function.

buy and sell crypto with credit card binance screenshot

Here you can choose the cryptocurrency you want to purchase and the amount.

Lastly press Buy and follow the instructions from Binance.

Very straight forward and nothing can go wrong.


Binance Rating

I am definitely recommending Binance thanks to the user-friendly interfaces and the variety of cryptocurrencies available.

Binance is also one of the safest exchanges to buy and trade crypto which makes it my preferred choice.

They keep updating the list of cryptocurrencies and I’m sure we will soon see some of the more exotic coins on the list.

Buying cryptocurrency on Binance has always been very easy and secure for me.

If you would like to buy crypto with credit card on Binance, click here to visit the exchange.


Buy Cryptocurrency with Credit Card on Changelly

credit card exchange changelly screenshot

Cryptocurrencies on Changelly

Today there are 48 cryptocurrencies on Changelly available to buy with fiat money.

This is a massive list.

I think Changelly has the record for most coins available for fiat purchase out of all the exchanges.

Here are all the coins:

  • Bitcoin
  • Ethereum
  • Ripple
  • Cardano
  • Atom
  • Basic Attention Token
  • Bitcoin Diamond
  • Bitcoin Cash
  • Binance Coin
  • Bancor Network Token
  • Bread
  • Bitcoin SV
  • Civic
  • Dai
  • Dash
  • Decred
  • DigiByte
  • Dogecoin
  • EOS
  • EOSDT
  • Ethereum Classic
  • FunFair
  • Hedera Hashgraph
  • Link
  • Lisk
  • Litecoin
  • Nano
  • Neo
  • Nexo
  • Nxt
  • OmiseGo
  • Ontology
  • Paxos Standard Token
  • Qtum Ignition
  • Ravencoin
  • Tron
  • TrueUSD
  • USD coin
  • Tether USD
  • VeChainThor
  • Waves
  • XEM
  • Stellar
  • Monero
  • Tezos
  • Verge
  • Zcash
  • 0x Protocol Token

The reason why Changelly has this giant list of cryptocurrencies is because Changelly acts as an intermediary between exchanges.

This is really cool.

They use a special algorithm that scans all the crypto exchanges in their system to find the best prices for you.

This also enables Changelly to offer so many coins.

When you buy crypto with credit card on Changelly you are buying from other exchanges.

But without any trouble of registering on all of them!


Here you can see the different payment vendors that they use:

changelly payment vendors screenshot

Thanks to Changelly you don’t have to create any accounts with all the different cryptocurrnecy exchanges.

They already know all the exchanges and wants to share their friendship with you.

Pretty cool.


Credit Card fees on Changelly

The fees on Changelly depends on which payment vendor you are using.

When you are using Moonpay the totalt fee is a 7.5%.

The total fee of Indacoin is 10%

The total fee of Simplex is 10%

changelly credit card fees screenshot

These fees are a little bit higher than the normal standards.

But for this extra fee you get to choose from many more cryptocurrencies.

At the moment Changelly has over 2 million happy users.

This is because this exchange is one of a few very good instant exchanges.

This means that there is no identification of users and you can buy and trade cryptocurrencies very fast and easy.


Security on Changelly

One good reason to trust Changelly is the fact that they don’t have a deposit storage.

This is because it’s an instant exchange and they only provide you with the best prices from other exchanges.

Binance, Poloniex and Bittrex are some of them.

On Changelly you have the option to add 2-factor auhentication to your log in.

changelly crypto exhcange 2fa screenshot

When you activate you 2-factor authentication you need a specific code to log in, change password or changing payment information for BTC addresses.

I definitely recommend doing this.


Changelly has a very smart AML system.

They use a scoring system to scan transactions and activities on the exchange.

credit card changelly exchange aml form sreenshot

If an account gets flagged through their AML scoring system, you have to file KYC-documents.

This is a very innovative way of using technology to make an exchange secure.

As previously mentioned, security is a priority when you are going to buy crypto with credit card.

This is one reason why I’ve put Changelly on this list.

They have a very good reputation!


How to buy Crypto with Credit Card on Changelly

Now I’m going to go through the steps required to use changelly.

This is the first page and from here it’s dead simple.

crypto credit card option changelly screenshot

Simply choose the amount of cryptocurrency you want to buy and then choose the coin.

Next, Click Buy!

This will take you to the exchange page where you get to choose the best rates.

Their exchange algorithm has already scanned all the exchanges for the best rates.

It looks like this and all you have to do is choose offer.

buy crypto with credit card on changelly screenshot

When you click Buy you will get redirected to the payment provider.

Here you just follow the instructions given and it’s a done deal!

Simple and fast!

This is why I use Changelly and definitely recommend you to use it too.


Changelly Rating

Changelly is not like any other exchange out there.

It’s one of the best Instant exchanges I know and I highly recommend people to use it.

On Changelly you always gets the best rates from the best exchanges out there, without the trouble of signing up an for an account on each exchange.

One of the reasons why I really like this exchange is thanks to the variety of cryptocurrencies and the simplicity.

If you would like to buy crypto with credit card on Changelly, click here to visit the exchange.


Buy Crypto with Credit Card on Coinmama

coinmana crypto exchange with credit carc screenshot

Cryptocurrencies on Coinmama

Coinmama is currenctly offering 10 cryptocurrencies on their exchange.

All are available with fiat payment.

Here is the full list of coins:

  • Bitcoin
  • Bitcoin Cash
  • Ethereum
  • Ethereum Classic
  • Cardano
  • Litecoin
  • Qtum
  • Ripple
  • Tezos
  • EOS

This is another exchange which keeps adding coins to their list available with card payments.

I really like this and Coinmama has made it very easy to buy crypto with credit card.

At the moment there is no exchange that will satisfy every cryptocurrnecy trader with all the coins.

This is why you might need to use several exchanges to find the right coins you want to invest in.

Coinmama is definitely one of those exchanges you need to have on your list to find the coins you want.


Credit Card fees on Coinmama

Fees on Coinmama are set from 5.90%10.90%

buy cryto with credit card fee on coinmama screnshot

When you sell cryptocurrencies on Coinmama the fee is 3% less than if you buy.

These are still very competitive transaction fees on the market.


Security on Coinmama

On Coinmama you can take several security measures.

First of all, when you register with the exchange you are asked to send in full KYC-documents.

This includes a selfie of yourself with your drivers license or passport.

kyc form for coinmama crypto exchange screenshot

You get to fill in this form.

This is to make sure your account is safe in case of any hacks or security breaches.

If your account gets suspended, only you can send in the right documents.

KYC form to buy crypto with credit card on coinmama exchange screenshot

Here you are asked to send in a picture of your ID.

You can choose from:

  • Passport
  • National ID
  • Driver’s License
  • Residence Permit

I sent in my driver’s license and got confirm within a few minutes.

Their KYC process is very quick.


You can also add an extra security layer to your payments.

This is a good way to protect yourself against hackers that are looking to get to your card details.

It is called 3DS Authentication an works as 2-Factor Authentication for your credit card.

security when buying crypto with credit card on coinmama crypto exchange screenshot

If you do everythin that Coinmama asks you to do I would say it’s very safe to buy crypto with credit card on their exchange.


How to buy Crypto with Credit Card on Coinmama

Buying crypto on Coinmama is just as easy as any other website that offers card payments.

Lets go through the steps.

First click the Buy button in the top right corner of the start page.

This is will take you to the Buy page of Coinmama.

Here you first get to choose your cryptocurrency and your preferred fiat currency.

buy crypto with credit card section on  coinama exchange screenshot
buy

When you have chosen your currencies you have two options.

Either click one of the pre set choises of 100 USD, 500 USD, 1000 USD or chose your own amount to the right.

After you have chosen the correct amount, click Buy Now.

Next you will be redirected to insert your crypto wallet address.

In this example I’ve choosen ETH and it would look like this.

payment confirmation screenshot on coinmama

When you have entered your crypto wallet address, click Go to Payment.

This will redirect you to the next payment page.

Here you will be able to choose from different payment options.

If you want to buy crypto with credit card, click the option at the top of the page.

payment methods for credit card payment coinmama screenshot

The last step is to confirm your payment and add your card details.

This page looks like this.

order summary credit card payment screenshot

That’s it.

Very easy and straight forward way to buy cryptocurrencies.


Coinmama Rating

I’m very happy with Coinmama.

Easy to use, good variety of the major cryptocurrencies and a good safety layer on top of that.

I really like the simplicity Coinmama has focused on and it makes it the perfect exchange to use.

I have to recommend this exchange to anyone looking for a fast and easy way to buy coins.

If you would like to buy crypto with credit card on Coinmama, click here to visit the exchange.


Buy Cryptocurrency with Credit Card on Cex.io

buy crypto with credit card on cex.io exchange screenshot

Cryptocurrencies on Cex.io

Cex.io offers 9 cryptocurrencies today and I’m sure this list will keep growing.

Here are all the coins:

  • Bitcoin
  • Ethereum
  • Litecoin
  • Bitcoin Cash
  • Ripple
  • Basic Attention Token
  • Tezos
  • Matic
  • Link

These are some of the most traded major cryptocurrnecies today.

As I said earlier, when you are looking to buy crypto with fiat money, the only coin you really need is Bitcoin..

Bitcoin is traded against most of the other xoins on every exchange.

The coins are found on their Buy and Sell exchange and looks a little bit like Changelly.

You can either buy any of the pre set options or choose your own amount to the right.

This is up to your preference.

Sometimes I like to use the fast options.

Cex.io will also give you 90 seconds timer before the offer changes.

This is because they are looking for the best offer for you at the moment you are buying.


Credit Card fees on Cex.io

The fee with VISA or Master card is 2.99% on Cex.io and this is a huge advantage to many other exchanges.

This makes it very cheap to buy cryptcurrencies with cash.

As this is the easiest and fastest way to buy coins there will always be a fee that matches this.

I think Cex.io has some of the lowest fees.

This is something to really think about when you are choosing your exchange.

Sometimes you don’t consider this enough.

Often you buy and sell more than you planned and many times per week even.

So to use an exchange with a low fee structure really helps in the long run.


Security on Cex.io

Now lets take a look at the security of Cex.io.

We want to feel safe and secure with putting our hard earned money on an exchange.

Cex.io is following an AML/KYC policy which is up to standards.

Cex.io aml security policy screenshot

Users of the exchange gets monitored without knowing it.

If any suspicious pattern of trading or buying appears in their system the user is asked to file KYC-documents.


Cex.io also has a section on security on the account page.

cex.io 2fa screenshot

Here you will get a warning if your 2FA is not activated.

This is very good because many traders gets really lazy when they are buying and selling.

They often don’t stop to protect their account.

So Cex.io got that covered for you.

You can also activate a second alternative email in case yours gets hacked or stolen.

The 2FA verification is something that I highly recommend because most hackers steal your password from your email.

But if they don’t have your mobile phone, it’s more or less impossible to access your account.


How to buy Crypto with Credit Card on Cex.io

Now let’s have a look at how to use Cex.io, the easy way.

On the first page you will have a HUGE button askin you to buy or sell Bitcoin.

buy and sell bitcoin button screenshot

Click that one!

This will take you to the Buy and Sell exchange page.

It looks like this.

crypto section on sex.io exchange screenshot

Here you get to choose which cryptocurrency you want to buy with credit card.

The next step is to choose your fiat currency and choose the amount you want to buy.

To do this, simply fill out the box to the right and that’s it!

buy crypto section on sex.io screenshot

When this is done, click BUY!

This will redirect you to the card details page and it looks like this.

card details seciton on cex.io screenshot

If you have ever bought something online you know how this works.

Fill in yor card details and press Proceed.

That’s it!

It’s dead simple to buy cryptocurrencies on Cex.io and that’s why I use this exchange.

Nothing can go wrong.


Cex.io Rating

I really enjoy buying crypto on Cex.io.

It’s easy and fast and I’ve never experienced any trouble so far.

I feel safe using their exchange as long as I got all the safety features activated.

There is not much more to say about this cryptocurrency exchange.

I’ve been doing good so far and I will keep trading with low fees until there comes a new exchange that beats them.

If you would like to buy crypto with credit card on Cex.io, click here to visit the exchange.


Conclusion

This review will give you all the information you need to know about your exchange before you start buying cryptocurrency. I have listed all the coins on the exchange that are available to purchase with a credit card.

If you want to know exactly how to buy crypto on each exchange, there is a how to guide for all of them.

Make sure you read this review or atleast compare the exchanges on the top of the article before you choose which one.


If you would like to know more about exchange safety, click here to find out if you exchange is safe enough.

If you are interested in shorting altcoins, click here to know more.

Can I buy crypto with a credit card?

Yes. Any of the exchanges in this review has this otion.

Where can I buy crypto with a credit card?

Binance, Changelly, Coinmama and Cex.io are some of the exchanges. Read this article for a full review and how to guides for each exchange.

Can I buy BTC with a credit card?

Yes. All of the exchanges listed in this review offers BTC.

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