Best Sites to Buy Crypto and Bitcoin With Credit Card (2024)

Purchasing cryptocurrencies can be daunting for many people, especially those new to the blockchain space, and credit cards can be seen as one of the easiest and fastest ways to help those. In this guide, we will provide some of the best sites to buy crypto with credit card as a payment method.

Key Takeaways:

• The best sites to buy crypto with credit cards are MEXC, OKX, Binance, Kucoin, CEX.io, Bitget, Coinbase, Kraken, Bitpanda, and Coinmama.
• There are many factors to consider when choosing a site to buy crypto with a credit card, such as fees, security, customer service, supported coins, and user experience.

List of the Best Sites to Buy Crypto with Credit Card

We have done the research and tested various crypto exchanges and chosen these 10 best sites to buy cryptocurrency with credit cards:

1. MEXC: Best overall site to buy crypto with credit card (no fees)
2. OKX: Best website to buy Bitcoin with credit card
3. Binance: Fastest site to buy Bitcoin with credit cards
4. Kucoin: The most user-friendly site to buy crypto with Visa and Mastercard
5. CEX.io: Best site to purchase Bitcoin with credit and debit cards in the USA
6. Bitget: Best site to buy Ethereum with credit cards
7. Coinbase: Best site to buy crypto with credit cards in Europe
8. Kraken: Safest crypto exchange to buy BTC with credit cards
9. Bitpanda: Best regulated exchange to buy altcoins with Mastercard
10. Coinmama: Best app to buy Bitcoin with credit card

Review of the Best Websites to Buy Crypto & Crypto with Credit Card

1. MEXC

The first position in our list is MEXC. This popular zero-fee crypto trading platform offers fast and secure services for buying digital assets using credit cards. Also, MEXC supplies spot, futures, margin trading, and crypto copy trading features to diversify the users’ trading experience.

Currently, MEXC supports buying crypto with Visa, Mastercard, and Maestro cards in over 170 countries and regions with assistance from third parties such as Simplex, Banxa, and MoonPay. However, the fees and limits of purchasing cryptos with credit may vary depending on the payment provider, fiat currency, and cryptocurrency.

Pros of MEXC

• No fee for spot trading and a low fee for futures trading (0% maker and 0.02% taker).
• Large selection of more than 1,720+ cryptocurrencies and 2,110+ trading pairs.
• Different trading markets include margin, futures trading, trading bots, and copy trading.
• No KYC verification is needed in most countries to enhance user privacy.

Cons of MEXC

• There is low liquidity for some trading pairs, especially for new projects.
• Not available for users in countries like the US, Canada, or Mainland China (check the full list).

2. OKX

OKX is another of the best websites to buy crypto with credit cards. With this exchange, you can trade over 320 cryptocurrencies with high liquidity and low fees. The trading platform supports 85 fiat currencies to buy crypto with credit cards. 

OKX is offering up to 100x leverage and flexible settlement options for futures, options, and perpetual swaps trading. Users can also access decentralized finance (DeFi) protocols and earn interest on their crypto assets by lending or staking them.

Pros of OKX

• It charges competitive rates of 0.10% for spot trading and 0.02% (maker) and 0.05% (taker) fees for futures trading.
• Various funding methods include credit or debit cards, bank transfers, Apple Pay, and Google Pay.
• Offer the Web3 wallet supports 10+ networks, 100+ DEXs, and 3 cross-chain bridges.

Cons of OKX

• OKX does not serve customers in the U.S. due to regulatory and compliance issues. 
• Many new and low market-cap altcoins are unavailable for trading on this centralized platform.

3. Binance

Binance is another top crypto site for purchasing cryptos through credit cards. This worldwide cryptocurrency exchange offers more than 350 cryptocurrencies for users. It has an easy and user-friendly interface that enables you to buy crypto with 50+ fiat currencies and payment methods, including credit and debit cards.

Binance supports Visa and Mastercard payments in more than 220 countries, where you can buy Bitcoin, Ethereum, Litecoin, XRP, and other 200+ cryptocurrencies with your credit or debit card.

This crypto exchange also offers various services and features for crypto enthusiasts, such as trading, staking, lending, mining, education, charity, and more. This crypto trading platform is trusted by more than 150 million users worldwide, and it is constantly innovating and expanding its ecosystem.

Pros of Binance

• Binance supports many cryptocurrencies, with over 350 cryptos and 50+ fiat-to-crypto options.
• Binance provides high liquidity and security measures so that you can execute your trades quickly and securely.
• Binance provides a 24/7 customer support team that you can contact via email, live chat, or support forum.

Cons of Binance

• Binance faces major regulatory concerns and legal challenges in various countries, such as the United States.
• A separate platform for U.S. residents called Binance.US has fewer features and supported coins than the main platform. Furthermore, Binance.US is accessible in 46 states.

4. Kucoin

KuCoin is a secure and reliable crypto exchange that lets you trade Bitcoin, Ethereum, and over 700 other coins. This exchange is also a pioneer in promoting Web 3.0 adoption.

KuCoin has a global user base of over 30 million traders from over 200 countries and supports more than 20 languages. This exchange lets you buy crypto with your credit card in over 50 fiat currencies through its P2P markets and credit/debit card channels. It also offers a variety of tools and services to help you optimize your crypto portfolio. You can trade on the spot market or use futures, margin, and leveraged tokens to increase your profits.

Additionally, you can also use KuCoin Earn, which is a professional platform that lets you invest and earn a steady income from staking, lending, and mining.

Pros of Kucoin

• Kucoin offers competitive trading fees (between 0.005% and 0.10% per trade), and a 20% discount is provided when using its native token (KCS) to pay for trading fees.
• Kucoin offers over 700 crypto assets, including some uncommon and exclusive ones unavailable on other cryptocurrency exchanges.
• KuCoin offers various trading products such as margin, futures, and peer-to-peer (P2P) trading.
• The platform supports over 70 payment methods, including credit and debit cards, bank transfers, fiat deposits, SEPA, and more.

Cons of Kucoin

• Kucoin currently does not support direct crypto-to-fiat withdrawals to bank accounts.
• KuCoin is not licensed in the U.S., meaning U.S.-based users have limited access to its features and may face legal risks.

5. CEX.io

CEX.IO is a top-notch cryptocurrency exchange platform that supports credit and debit cards, a fiat-to-crypto channel, and 24/7 customer support with high-security standards. The platform has operated since 2013 and has more than 5 million registered users worldwide. It has offices in the U.K., U.S., Portugal, and Lithuania. 

CEX.io makes the process of buying crypto with credit cards convenient. With this trading platform, you can use your Visa or Mastercard to buy Bitcoin, Ethereum, and other popular cryptocurrencies with fiat currencies such as USD, EUR, GBP, and RUB. You can also use your credit card to fund your CEX.IO account and trade on the “Exchange Plus” platform, which has deep liquidity, advanced order types, and pro-level trading features.

For VISA credit card users, the daily deposit ranges from $20.00 to unlimited, while the daily withdrawal ranges from $20.00 to $50,000.00. Deposit commissions for VISA range from 2.99% to 3.99%, along with a service charge of up to 3%.

Pros of CEX.io

• CEX.io is available in more than 30 U.S. states.
• CEX.io is highly licensed and regulated, with more than 30 registrations worldwide.
• Highly secure, with 98% of digital assets stored in an offline cold wallet.
• CEX.io offers various payment channels such as credit/debit cards, wire transfers, SWIFT, SEPA, QIWI, SKRILL, etc.

Cons of CEX.io

• CEX.io charges a 0.15% maker and 0.2% taker fee, which is comparatively higher than the industry standard (0.1% maker/taker).
• Savings and Staking services of CEX.io are not currently available for customers in the U.S.

6. Bitget

Bitget is a global cryptocurrency exchange that offers various trading services, such as spot, futures, margin, and copy trading. This exchange also has a “Credit/Debit card” channel that allows Bitcoin purchases directly with your credit or debit card. Bitget does not impose any fees for credit or debit card transactions. You only have to pay the fees your card issuer and the payment provider charges.

Bitget supports over 140 fiat currencies, so you can buy crypto using your local currency. The crypto you purchased will be sent to your account within minutes after verifying your payment.

Pros of Bitget

• Bitget offers competitive fees for spot trading where both makers and takers pay only 0.1%, and users can get a 20% discount by holding the BGB token.
• Bitget has a protection fund of $350 million to cover any potential losses from cybersecurity threats.
• Bitget has a Web3 trading wallet that supports 90+ mainnets and 100+ DEXs.

Cons of Bitget

• You can not withdraw fiat currencies directly to your bank account.
• It may have lower liquidity and volume than some of the larger exchanges, which could affect the execution speed and price slippage of your trades.

7. Coinbase

Coinbase is a well-known and reputable US-based platform for trading cryptocurrencies. Please note that U.S. customers cannot buy crypto with a credit card on Coinbase. They can only use a debit card or a bank transfer. However, traders from other regions, such as Europe and Canada, can buy crypto with credit cards on Coinbase.

Coinbase also offers a Visa debit card to users. This card is accepted at over 40M+ merchants worldwide. You can use any of your crypto to make purchases with the card. Coinbase will automatically convert all crypto to U.S. Dollars for purchases and ATM withdrawals.

Pros of Coinbase

• Coinbase offers a variety of products and services, such as Coinbase One, Coinbase Card, Coinbase Wallet, Coinbase Prime, and Coinbase Earn.
• Coinbase provides advanced tools and features for sophisticated traders, such as analytical tools, charting capabilities, real-time order books, and deep liquidity.

Cons of Coinbase

• Depending on payment methods, Coinbase charges higher fees ranging from 0.4% to 4.5%.
• You can not buy crypto with credit cards in the United States using Coinbase.

8. Kraken

Kraken is a trustworthy platform serving the crypto community since 2011. To purchase crypto with a credit card, you need to have a Kraken account that is verified to the Intermediate or Pro level, with residence in one of the eligible countries. You can check the list of countries and their payment methods on their website. 

You also need to have a valid Visa or Mastercard in the same legal name as your Kraken account. The card must support 3D Secure (3DS), which is an extra security layer used to authorize online purchases. You can also access advanced features such as margin trading, futures trading, and staking on the exchange.

Pros of Kraken

• Kraken is a trustworthy and safe crypto exchange that maintains registration as a Money Services Business with FinCEN.
• Kraken offers a variety of digital assets, with over 200 different cryptocurrencies and seven fiat currencies.
• Kraken provides sophisticated trading features such as margin trading, stop orders, and a dark pool for high-volume investors.
• Kraken manages many robust staking options that allow users to earn rewards by staking their coins.

Cons of Kraken

• For U.S. clients, only debit cards are supported at this time (no credit cards), while credit cards are supported in other countries such as Australia and Canada.
• Debit and credit card purchases using USD may experience the 72-hour lock. 

9. Bitpanda

Bitpanda stands out as an Austria-based platform facilitating the trading and secure storage of diverse assets, such as cryptocurrencies, stocks, ETFs, commodities, precious metals, and crypto indices. Notably, this exchange operates under the Austrian Financial Market Authority (FMA) regulatory oversight, adhering rigorously to stringent standards for data security, information technology, and anti-money laundering protocols.

The platform facilitates the buying of cryptocurrencies through credit cards issued by major providers such as Visa, Mastercard, and Maestro, as well as other options, including Diners Club, JCB, and UnionPay. With acceptance spanning over 180 countries and support for multiple fiat currencies like EUR, USD, GBP, CHF, TRY, and ZAR, Bitpanda offers a global and inclusive approach.

Pros of Bitpanda

• Bitpanda offers a user-friendly interface that is simple and intuitive, enhancing the overall user experience.
• Bitpand provides various payment and withdrawal options, including credit cards, SEPA, Giropay, and EPS. 
• Bitpanda facilitates trading stocks, ETFs, and commodities like gold and silver, appealing to investors seeking portfolio diversification.

Cons of Bitpanda

• The selection of tradable cryptocurrency assets is limited.
• Bitpanda is not accessible in the U.S. and only caters to users from specific European countries (check full list)

10. Coinmama

Coinmama accepts credit cards from Visa and Mastercard, debit cards, bank transfers, and Apple Pay. You can pick the best payment option and enjoy fast and secure transactions. It allows you to spend up to $20,000 per transaction with credit cards. The minimum limit is $4. You can also request higher limits if you need them.

Coinmama is a trusted and reliable platform serving millions of happy customers worldwide since 2013. The exchange has a friendly and professional customer service team available 24/7 to answer any questions or issues. You can contact them via email, phone, or live chat and get your needed help.

Pros of Coinmama

• There is zero fee on your first credit/debit card transaction.
• Coinmama does not charge you anything to deposit or withdraw crypto from your account.
• Coinmama accepts various funding methods such as Visa, Mastercard, Apple Pay, Google Pay, and bank transfers.
• Coinmama offers a loyalty program that lowers your fees if you are a loyal user of this platform.

Cons of Coinmama

• Coinmama does not provide a built-in wallet or a mobile app for its users. You need to have your wallet address to receive your coins.
• Lack of advanced trading tools such as leverage trading, automated bots, and more.

How to buy crypto and Bitcoin with credit card on MEXC- Tutorial

Step 1: Go to the MEXC website and create an account. You can use your email or mobile number. 

Step 2: Complete the Advanced KYC verification on MEXC, as it is necessary for fiat transactions.

Step 3: Link your debit or credit card to your MEXC account by selecting “Buy Crypto” in the upper navigation bar, then choosing the “Debit/Credit Card” option. Click on “Add Card” and provide your credit card details.

Step 4: Select the fiat currency and crypto asset you wish to purchase. MEXC currently supports EUR, GBP, and USD as fiat currencies, along with various crypto assets like BTC, ETH, USDT, etc. You can also choose a preferred payment service provider, such as Simplex, Banxa, or MoonPay. Be aware that different providers may have distinct fees and rates.

Step 5: your purchase and input the bank’s OTP to your mobile number. The payment will be processed within minutes, and the purchased crypto will be transferred to your MEXC “Fiat Wallet.”

Factors to choose crypto exchanges that accept credit cards

Here are the essential factors to consider while choosing crypto exchanges that accept credit cards:

• Security: Ensure the exchange has robust security measures to protect your credit card information and funds.
• Fees: Compare transaction fees among exchanges, including deposit and withdrawal charges.
• Accepted Cryptocurrencies: Confirm that the exchange supports the cryptocurrencies you want to buy with your credit card.
• User-Friendly Interface: Choose an exchange with an easy-to-use platform for a smoother trading experience.
• Transaction Speed: Look for exchanges that offer quick processing times for credit card transactions.
• Reputation: Opt for exchanges with a positive reputation and good user reviews.
• Customer Support: Select an exchange with responsive customer support to address any issues promptly.
• Limits and Verification: Check the limits imposed on credit card transactions and the ease of the verification process.
• Geographic Availability: Ensure the exchange operates in your country or region.

Crypto exchanges that accept credit cards: Comparison

Conclusion

After doing several analyses, it’s clear that MEXC, OKX, and Binance are the top choices for buying crypto with credit cards.

These websites offer a user-friendly interface, making purchasing Bitcoin a breeze, even for beginners. The robust security measures ensure that your transactions and personal information remain safe. In the end, always do your own research and choose the platform that suits your needs. 

FAQs

Can I buy Bitcoins with a credit card?

Yes, you can buy Bitcoin with a credit card on different platforms such as MEXC, Binance, OKX, Kucoin, CEX.io, and more. 

Where can I buy crypto and Bitcoin with a credit card?

MEXC is a recommended platform to buy crypto and Bitcoin with a credit card. It offers zero-fee trading, supports various altcoins, and advanced trading features. You can also use third-party payment providers that support credit cards, such as Simplex and Banxa. 

What credit cards allow crypto purchases?

The credit cards that allow crypto purchases vary depending on your location, your credit card issuer, and the crypto exchange platform you use. Some major credit card companies that allow crypto purchases are Maestro, Visa, and Mastercard.

What crypto sites accept credit cards?

MEXC, Binance, OKX, Bitpanda, Coinmama, Kucoin, CEX.io, Bitget, Coinbase, and Kraken all accept credit cards to buy crypto and Bitcoin.

How to buy crypto anonymously with a credit card?

There are many ways to anonymously buy crypto with a credit card, such as using no KYC exchanges, P2P platforms, and decentralized exchanges.

Are there any risks to buying crypto with a credit card?

There are several risks involved in buying crypto with a credit card:

• Fees: Credit card transactions typically involve fees from the issuer and the crypto exchange, impacting potential profits.
• Cash Advance Issues: Credit card transactions may be treated as cash advances, attracting higher interest rates and affecting credit scores.
• Regulatory and Tax Implications: Credit card transactions are subject to government and financial institution regulations and taxes, potentially leading to legal consequences if not correctly reported.