Where Can I Buy Crypto With a Credit Card?

If you want to buy crypto with your credit card, it’s important to find an exchange and credit card issuer that allow it. Some major exchanges don’t permit it, while others are happy to take your money.

Buying crypto with credit can be a risky proposition, especially because of the volatility of the market. Also, your credit card issuer may charge a cash advance fee and interest on the transaction.

Credit cards

Credit cards are a form of financing that allows you to borrow money to make purchases and transfer balances, with an agreement to pay the loan back plus interest at a later date. They are convenient because you don’t need cash on hand and can buy anything from anywhere worldwide, as long as you have an internet connection.

However, buying crypto with a credit card comes with several risks and restrictions. First, not all exchanges will accept credit cards and only a few major card issuers will allow cryptocurrency purchases.

Second, most exchanges will charge 3% or more to use your credit card in addition to the price they charge for trading. Then, your credit card issuer will likely charge another 3% on the cash advance fee and whatever interest accrues before you pay off your transaction.

The best way to avoid paying a fortune in fees is to pay your purchase off as soon as it clears. But if you can’t, it’s better to choose a card that offers a lower interest rate on cash advances.


Crypto exchanges are marketplaces where you can buy and sell cryptocurrencies, including bitcoin (BTC), ether (ETH), litecoin (LTC), polkadot (DOT), dogecoin (DOGE) and other coins. Some also offer fiat currencies like the US dollar.

These exchanges typically make money through fees paid by traders as they trade on their platforms. These fees are primarily for listing and transaction fees but may also include market data fees.

Many credit card issuers consider a purchase of crypto with a credit card to be a cash advance, which can result in high interest rates and fees. This type of transaction does not usually have a grace period and will begin accruing interest from the day you make it.

Not all credit cards support crypto transactions, and some major ones have banned it entirely. Moreover, the fees associated with a crypto purchase using a credit card can be high and don’t offset any rewards or count toward your sign-up bonus.


Credit cards are a popular payment method on crypto exchanges because they are fast and convenient. However, they can also be expensive and prone to scams.

In addition to fees from the exchange, your credit card issuer may charge you a fee for a cash advance, which is a one-time fee that can be as much as 3% of the purchase amount. You’ll also likely have to pay interest on the transaction, which will add up quickly.

If you’re using a credit card to buy crypto, be sure to pay off your purchase as soon as it clears. This will prevent interest from accumulating and help you avoid losing your profit.

In general, the best way to buy crypto with a credit card is through a secure exchange that doesn’t charge any extra fees for credit-card purchases. However, it’s important to do your research and find an exchange that offers credit-card payment options and is reputable.

Payment options

Crypto users often choose credit cards as their preferred payment option due to convenience. They can buy crypto without having to carry cash around, and they can be used anywhere globally.

However, using a credit card to purchase crypto can come with significant disadvantages. Some major card issuers prohibit cryptocurrency purchases altogether, while others will consider them to be cash advances.

Moreover, credit card purchases of crypto generally come with high fees. These costs can reduce the value of your investment or even minimize returns.

The best way to use a credit card to buy crypto is to shop around and compare credit card rates. Then, select a crypto exchange that offers good credit card rates.