10 Best Ways to Buy Bitcoin with Credit Card Instantly: The Definitive Guide

Bitcoin is currently the most popular cryptocurrency in the world. It was the original cryptocurrency and it has retained both its value and power.

There are many sources and experts who suggest that one should invest in Ethereum because it’s going to be the cryptocurrency of the future. However, buying Bitcoin is the most stable and safest thing for beginners.

There are a lot of different cryptocurrency exchange platforms from which you can buy Bitcoins using a variety of payment methods. You can buy Bitcoins through bank transfer, wire transfer, and even PayPal (to a lesser extent). However, one of the easiest ways to buy Bitcoin instantly is to pay through credit card.

In this article, I’ll give a you a detailed intro to the 10 Best Ways to Buy Bitcoin with Credit Card Instantly.

However, before you start buying Bitcoins, you should make sure you have a good storage option. Most people either go for online wallets or hardware wallets. My personal recommendation would be to use hardware wallets as they’re impossible to hack. Furthermore, my personal recommendation would be to either go for Ledger Nano S or Trezor.

What you need to consider before buying BTC with credit card

There are a number of factors you should take into consideration before buying Bitcoins with credit card:

  1. Make sure that the company you’re buying from is legit and regulated. Furthermore, you should pay through a verifiable and trustworthy payment gateway.
  2. There may be sketchy platforms that ask for your card information as a part of a credit card fraud to make purchases.
  3. The fees imposed on credit card and debit card purchases is far higher than other payment methods because of the risk of a fraud.

Comparative Table of 10 Best Ways to Buy Bitcoin with Credit Card Instantly

As you can see in the table below, there are a lot of great means by which to buy Bitcoins with credit card instantly. However, going through all of them can be pretty difficult. As such, I’ve compiled this table so that you can go through their essential features and specifications and narrow down your choices.

ExchangeReviewsFeesSecuritySupported RegionPurchase
Coinbase Review3.99%Great32 Countries - Europe, US, CanadaBuy
LocalBitcoins Review0%GoodGlobalBuy
Paxful Review0% from buyer, 1% from sellerGoodGlobalBuy
BitPanda Review3 to 4%GoodOnly EuropeBuy
CEX.IO Review7%GreatGlobal, with Credit/Debit restrictionsBuy
XCoins ReviewMinimum 15% ROI.OkayGlobalBuy
Bitbond Review7% to 25% ROIGoodGlobalBuy
Changelly Review0.5%OkayGlobal, with Credit/Debit restrictionsBuy
GDAX Review0.10% to 0.25%GreatGlobalBuy
Bitstamp Review0.05%GreatGlobalBuy

PART 1: Coinbase

Coinbase is the world’s leading exchange platforms because it’s extremely simple to use, allows you to trade in all the primary cryptocurrencies, and incurs a modest transaction fee. As for the verification, you have to provide your email address and a photo ID.

How to buy Bitcoins with Credit Card in Coinbase:

  1. Registerwith your email address.
  2. Go through the verification process by providing all relevant details.
  3. Go to Payment Methods> Add Payment Method > Card. coinbase add card
  4. Coinbase will make two small transactions as a verification.
  5. Check out the amount of the transaction from your card statement and enter that in Coinbase.
  6. Go to “Buy Digital Currency” in your Dashboard and then select Bitcoin.
  7. In the “Buy/Sell” option, enter the amount of Bitcoins you want to buy.
  8. Choose your card from the drop-down payment methods option.
  9. Complete Buy.

To check out a visual representation of this process, you can watch the following video:

You can contact Coinbase Support if you have any more questions.

Geographical Availability: It’s available in 32 Countries, including the US, Europe, Singapore, and Canada. You can check if they’re available in your country here.

Fees: 3.99% on all Credit/Debit card purchases.

Read: Coinbase Review

PART 2: LocalBitcoins

LocalBitcoins is a p2p platform where buyers and sellers can meet, interact, and conduct trade. LocalBitcoins in this case acts as an Escrow account. As such, you’ll have to deposit the payment into LocalBitcoins, and once you receive the Bitcoins, you can authorize LocalBitcoins to release payment.

Because it’s a p2p platform, the sellers have complete power to establish their own rates, terms of sale, and even payment methods. There are over 150 payment methods accepted in LocalBitcoins, and that includes credit card and debit card purchase.

However, if you’re a beginner, you should either avoid this platform or approach it with a LOT of caution. Because it’s a p2p platform, all kinds of fraudulent sellers might also show up. To avoid the risk of being scammed, you should follow all of LocalBitcoins’ guidelines accurately.

Furthermore, before you send any payment, you should also check the fraud or scam warnings page to make sure your seller isn’t in it.

How to Buy Bitcoins with Credit Card in LocalBitcoins:

  1. Go to LocalBitcoins.
  2. Enter the amount of Bitcoins you want, along with your city or country preferences. localbitcoins buy bitcoin
  3. Go through the list of sellers that come up. To vet them, you can go through their feedback score, trade limits, and terms of trade.
  4. Send your prospective seller a “trade request”. trade request
  5. Use the credit card to deposit funds to the Escrow account. After receiving the Bitcoins, release the payment.

You can watch the following video for a detailed guide:

For additional help, you can read their FAQ or Contact Support.

Geographical Availability: LocalBitcoins is available across the globe.

Fees: LocalBitcoins charges no transaction fee from buyers. They only charge a 1% fee from sellers.

Read: LocalBitcoins Review

PART 3:Paxful

Paxful is a lesser popular version of LocalBitcoins. It’s a p2p platform in which buyers and sellers can meet and negotiate trading deals. As such, you can buy Bitcoins with credit cards instantly.

To ensure that you’re not dealing with a fraudulent seller, you should check their past transaction details, repetition, etc. Furthermore, follow all of the Paxful guidelines carefully.

Once you’ve chosen a seller, you should pay with your credit card and deposit the funds in the Escrow account. Some sellers may even want to take the transaction out of the platform. However, you shouldn’t do that unless you really trust the seller personally because then the risk of being scammed is a lot higher.

paxful home

How to Buy Bitcoins with Paxful:

  1. Go to Paxful.
  2. Enter your email address and create an account.
  3. Go to Payment Methods and add your credit card details.
  4. Confirm your credit card by verifying the transaction that’s been made.
  5. Enter how much Bitcoins you want to buy.
  6. Choose your seller from the list or allow a recommendation.
  7. Send a trade request and negotiate a deal.
  8. Deposit funds to the escrow account.
  9. Receive Bitcoins and release the funds.

Watch the following video for a detailed guide:

Geographical Availability: Paxful is available across the globe.

Fees: Paxful charges no transaction fee from buyers, and only 1% from sellers.

Read: Paxful Review

PART 4: BitPanda

BitPanda is an Austrian Bitcoin exchange platform that’s highly popular in Europe because of the low transaction fee it attracts and the fact that it’s highly reliable.

How to Buy Bitcoins with Credit Card Instantly in BitPanda:

  1. Go to BitPanda Registration.
  2. Sign up with your email address!
  3. Add your credit card in the payment option. It only accepts 3D-Secure Mastercard or Verified by Visa.
  4. Enter the amount of Bitcoins you want and pay from your credit card.
  5. Confirm the order either via SMS or your email.

Geographical Availability: Only in Europe.

Fees: If you use the credit card, the transaction fee is between 3 to 4%.

Read: BitPanda Review


CEX.IO used to be a cloud mining provider but now it’s one of the most popular cryptocurrency exchange platforms in the world, despite the fact that it also attracts the highest transaction fee. Furthermore, you also get a mobile app with CEX.IO, which renders it highly efficient.

In order to start buying Bitcoins over CEX.IO, you have to go through a lengthy verification process wherein you have to provide your email address, a government ID, and you need to get your credit and debit cards verified. The card verification also includes taking a selfie with it, to confirm your identity. After that, you have yo wait for up to 48 hours for the verification to come through.

How to Buy Bitcoins using Credit Card Instantly in CEX.IO:

  1. Registerwith CEX.
  2. Go to the Card section and enter your credit card details. Following that, you’ll have to verify it by taking a selfie.
  3. Select the amount of Bitcoin you want to purchase.
  4. Pay for the Bitcoin using your credit card.

buy bitcoin using credit card

Geographical Availability: It’s available in all countries. However, the following countries aren’t allowed credit card payments: Iceland, Vietnam, Afghanistan, Algeria, Bahrain, Iraq, Kuwait, Lebanon, Libya, Nigeria, Oman, Pakistan, Palestine, Qatar, Saudi Arabia, and Yemen.

Furthermore, the following US states also don’t accept CEX.IO: Alabama, Alaska, Arizona, Arkansas, Colorado, Florida, Georgia, Guam, Idaho, Iowa, Kansas, Louisiana, Maryland, Michigan, Mississippi, Nebraska, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Tennessee, Texas, U.S. Virgin Islands, Vermont, Virginia, and Washington.

Fees: CEX.IO charges a 7% plus the credit card transaction fee. You can check out a complete breakdown here.

Read: CEX.IO Review

PART 6: XCoins

XCoins is a completely different platform from the ones mentioned previously. It’s essentially a loaning p2p platform. You get to meet potential lenders in the platform and decide whether you want to loan Bitcoins from a lender for a certain rate of interest that’s determined by them. The minimum possible rate of interest here is 15%.

Even though it’s a loan platform, you still have to put down money into it as a collateral. You can fund the collateral through your credit card.

If you need a detailed tutorial on how it works, you can watch the following video:


For further queries, you can go through their FAQ section or contact Support.

Geographical Availability: XCoins is available across the globe.

Fees: The minimum Rate of Interest in XCoins is 15%, but it can also be higher depending on the seller.

Read: XCoins Review

PART 7: BitBond

BitBond is a similar platform to XCoins. It’s also a peer-to-peer platform meant for lending Bitcoins to small businesses and hopeful entrepreneurs. It was founded by a german company named Bitbond GmbH and they funded over 1000 loans within just a single year of launching.

BitBond works by creating a contract between the lender and the borrower. The contract is created for a specific amount of Bitcoins that need to be returned at a period between 6 months to 5 years, determined by the seller, at an established rate of interest.

The borrowers have to verify their identity with necessary documentation, and then fund a collateral by paying from credit card.

You can watch a detailed visual guide of the process in the following video:


For further assistance, you can contact BitBond Help.

Geographical Availability: BitBond is available across the globe.

Fees: The rate of interest can range from as low as 7% to as high as 25%.

Read: BitBond Review

PART 8: Changelly

Changelly is one of the more recent trading platforms in the market, having only been established in 2015. However, it has already become quite popular because you don’t need to go through any verification to start buying Bitcoins in Changelly instantly.

How to Buy Bitcoins using Credit Card Instantly in Changelly:

  1. Register with Changellyusing your email address.
  2. In the homepage, select the currency with which you want to pay and Bitcoins. exchangelly buy btc with credit card
  3. Check the rate and the amount of Bitcoins. changelly buy btc with credit card
  4. Enter your Bitcoin wallet address. changelly buy btc with credit card
  5. Check all the details and click on Confirm & Make Payment. buy btc using credit card
  6. Click on ‘Pay with Visa/MasterCard’. cheapest way to buy btc with credit card
  7. Enter your credit card details. buy btc with credit card
  8. Enter your card’s linked phone number.buy btc with credit card anonymously
  9. You’ll receive a phone call with a digital code. Enter that.buy btc with credit card anonymously
  10. You’ll receive the Bitcoins in your wallet within 5-30 minutes.

For further help, you can read their FAQ or go to Support.

Geographical Availability: Changelly is available across the globe.

Fees: The transaction fee in Changelly is just 0.5%.

Read: Changelly Review


Global Digital Asset Exchange — GDAX — is a more sophisticated version of Coinbase for users who are quite experienced in active trading of Bitcoins.

Buying Bitcoins with credit card using GDAX is fairly easy. You simply create an account, deposit the funds using your credit card, and then use that to buy Bitcoins and send them to your wallet.

You can watch the following video for a detailed guide on how to buy Bitcoins with credit cards using GDAX:


For further assistance, you can contact Support.

Geographical Availability: GDAX is available across the globe.

Fees: The transaction fee is extremely low at 0.10% to 0.25%. However, it can get more complex, depending on several factors that you can read about at their Fee Structure Page.

Read: GDAX Review

PART 10: BitStamp

Bitstamp is one of the oldest Bitcoin exchange platforms, having been established in 2011. It’s highly complex and comes with sophisticated features that make it unsuitable for beginners. As such, it should only be used by serious traders.

Geographical Availability: BitStamp is available across the globe.

Fees: It’s the cheapest platform with a transaction fee of 0.05%. However, for credit card transactions, the fee can also rise as high as 8%. You can also check a detailed Fee Structure.

Read: BitStamp Review


There are a lot of different places wherein you can buy Bitcoins with credit card instantly. However, my preferred method is to use Coinbase to buy Bitcoins immediately.

Whatever platform you decide to use, do comment down below and let us know all about it!