In this article, we’ll show you exactly how to buy crypto with credit card, step-by-step. We’ll also give you the seven best platforms for buying crypto with a credit card in 2025, including Best Wallet, Binance, and MEXC.
Finally, we’ll dive into some of the finer points of purchasing crypto with your credit card, such as fees and KYC.
By the end of this article, you’ll know everything you need about fiat on-ramps.
Overview – How to Buy Crypto With Credit Card in 4 Steps
- Choose a platform that supports credit card on-ramps: Not every crypto exchange or wallet supports credit card transactions, but all the platforms we’ve listed below do.
- Create an account and verify your identity: Next, you’ll need to register an account and verify your identity. Most platforms require KYC for larger purchases, but some let you buy a few hundred dollars worth of crypto without it. You’ll usually need your email address and government-issued ID for this step.
- Navigate to the Buy menu, choose your crypto, and enter payment details: Head to the Buy section, select the crypto you want, and choose ‘credit card’ as your payment method. You’ll be redirected to a third-party processor to enter your card details and complete the purchase.
- Purchase cryptocurrency: Now you’re ready to buy crypto! Choose the cryptocurrency you wish to buy, enter the amount, and confirm your purchase.
7 Best Platforms to Buy Crypto With Credit Card in 2025
In the table, you’ll find seven best platforms to buy crypto with a credit card in 2025.
| Best Wallet | Beginner-friendly wallet with optional KYC and direct access to crypto presales |
| MEXC | Buy 2,300+ tokens via 5+ processors with low fees and global coverage |
| Binance | High liquidity and meme coin support with access to multiple fiat on-ramps |
| Margex | Buy crypto with no platform fees and no KYC for small transactions |
| OKX | Multi-chain support and deep liquidity with 6+ fiat payment providers |
| CoinEx | Transparent reserves, low fees, and access to 1,300+ tokens via fiat |
| BloFin | No-KYC card purchases and simple onboarding with BloFin Card support |
Best Wallet is our top pick because it’s beginner-friendly and simple to use, but also supports a huge range of the most popular cryptocurrencies and best meme coins on presale.
However, if you’re focused on futures trading or copy trading, you might want to consider BloFin. If transparency is important to you, CoinEx offers a 100% reserve rate and low trading fees.
Can You Actually Buy Crypto With a Credit Card?
It’s possible to buy cryptocurrency with a credit card, though not all platforms support card payments. Most platforms rely on third-party payment processors like Moonpay for fiat on-ramps.
Whether you can buy crypto with your credit card may depend on the card issuer and the region where you live. Some issuers, such as Bank of America, Barclays, Chase, and Citibank, don’t support crypto purchases at all. AMEX generally restricts cryptocurrency purchases, with some exceptions.
Visa and Mastercard usually allow cryptocurrency purchase, but again, this may depend on your region and card issuer.
Is KYC Mandatory to Buy Crypto With a Credit Card?
Know Your Customer (KYC) is a process crypto service providers (exchanges, wallets, payment processors) use to verify your identity. Its goal is to prevent money laundering, fraud, and other illegal activities.
Although KYC is almost always mandatory to buy crypto with a credit card, you might be wondering how to do it without verification. There are some no-KYC exchanges and payment processors that will allow you to buy relatively small amounts (usually <$100) without it.
However, note that buying crypto without KYC often means paying higher fees.
Fees When Buying Crypto With Credit Card
As with any payment method, there are fees involved when you buy crypto credit card. Below, we’ll go through each of these different types of fees and look at their specific average ranges.
Credit card processing fees
Credit card fees can range from around 2.5% to as high as 5% of the transaction amount. The fees are generally distributed between your credit card issuer, payment processor, and card networks.
Platform transaction fees
Most crypto platforms will charge transaction fees for things like deposits, withdrawals, and trading cryptocurrency. These fees vary depending on the platform you’re using, the type of transaction, and the network in question. Fees normally go directly to the crypto exchange, which uses them for things like covering operational costs.
Cash advance fees
Some credit card providers treat buying cryptocurrency as a cash advance, which means you’ll pay the usual cash advance fee. These fees can be as high as 5% of the transaction amount. With cash advances, interest rates can also be high and usually begin accruing immediately. These fees go directly to your credit card issuer.
Gas fees
Gas fees are how much it costs to conduct a transaction on a blockchain. These go to validators who are responsible for the maintenance and security of the network. Fees vary based on the network and how busy it is at the time. Here are some approximate ranges:
- Ethereum: Can range from $1 to $20+, depending on activity (higher during NFT mints or meme coin mania)
- Polygon: Typically less than $0.01, even during peak usage
- BNB Chain (BSC): Around $0.05–$0.30 per transaction
- Solana: Usually under $0.01, even for complex transactions
- Bitcoin: Can range from $0.50 to $10+, depending on mempool congestion
When the network’s congested, gas fees spike. So it’s often worth checking real-time rates before you buy.
Interest charges
If your credit card provider treats crypto purchases as a cash advance, interest may start accruing immediately, often at higher rates than regular purchases. APRs for cash advances typically range from 20% to 30%, with no grace period, meaning you’ll pay interest from day one unless you settle the balance right away.
How to Buy Crypto With Credit Card – Step-by-Step Guide
It’s easy to buy crypto with a credit card when you know how. Below, you’ll find our step-by-step guide to walk you through the process. We’ll be using Best Wallet as an example, but the steps are similar for other platforms.
Step 1: Download and Install the Best Wallet app
You can get the Best Wallet app from the Apple App Store or Google Play, depending on your device. It’s free to download and installs in seconds.
Step 2: Register an Account
To buy crypto with a credit card on Best Wallet, you’ll need to set up an account. First, enter your email address. Best Wallet will send a verification code to your email, which you’ll enter into the app. The app will prompt you to create a four-digit passcode for logging into your account. Don’t use anything easy to guess, like your date of birth.
You’ll then set up 2FA with your phone number and can optionally set up biometrics, allowing you to login with a face scan or fingerprint. You’ll also need to note down your 12-word backup phrase for account recovery.
Step 3: Navigate to the Buy Menu
From the Best Wallet homepage, you’ll see the Buy button on the left, under your wallet balance. It looks like a ‘+’ symbol. Tap it to enter the Buy menu.
Step 4: Select the Cryptocurrency You Want to Buy
It’s time to choose the cryptocurrency you want to buy. Find it on the list or type it into the search box, then select it to proceed.
Step 5: Select Your Payment Method and Buy Crypto With Credit Card
Specify the amount of tokens you want to buy in the ‘You spend’ box, then select ‘Credit card’ in the ‘Pay using’ dropdown menu, you’ll see an option to choose your preferred payment provider. This can impact fees, KYC requirements, or will vary depending on geographic availability, so it’s worth comparing.
Select ‘Buy BTC’ to start the purchase procedure.
Step 6: Pass KYC Verification (Optional)
After this, the third-party seller determines the next steps. They’ll usually redirect you to their page and prompt you to create an account if you don’t already have one. Then, they’ll guide you through Know Your Customer (KYC) procedures before you finalize your purchase.
Best Places to Buy Crypto With Credit Card in 2025 Compared
With so many places out there to buy crypto, how do you find the best platforms? We’ve compared eight of them in the table below. We’ll look at everything from cards and cryptocurrency support, to transaction and platform fees. We’ll also tell you who each platform is best for, such as beginners or frequent traders.
| Platform | Crypto & Blockchain Support | Supported Credit/Debit Cards | Payment Processors Available | Transaction Fees | Platform Fees | KYC | Best For |
| Best Wallet | Multi-chain (BTC, ETH, USDT, 50+ coins, 1M+ tokens supported by CoinEx Wallet product) | Visa, Mastercard, Apple Pay | 19+, including Banxa, Moonpay, Revolut, Sardine, Stripe, Coinify, TransFi | 0.5%–2.5%, varies by provider | No, payment processor fees only | Optional for fiat on-ramps, depending on payment processor and transaction amount) | Beginners, crypto presales, wide token support, optional KYC |
| MEXC | 2,300+ tokens across major L1s and L2s, including Ethereum and Solana | Visa, Mastercard, Apple Pay | 5+, including Moonpay, Mercuryo, Banxa, NETELLER | 0.8%–2.5%, varies by provider | No, payment processor fees only | Yes | Wide token selection, low fees, multiple payment methods |
| Binance | 350+ tokens across Ethereum, BNB Chain, Solana, Cardano, and more | Visa, Mastercard, Apple Pay, Google Pay | 6+, including Simplex, Banxa, Transak, bank transfers, P2P | 0%–3.5%, varies by provide | Yes, generally around 1-2% | Yes, intermediate verification required for full access | High liquidity, meme coins, major fiat support |
| Margex | 36+ tokens across Bitcoin, Ethereum, Solana, Polygon, and TRON | Visa, Mastercard, Apple Pay, Google Pay | 6+, including Paybis, Finchpay, SEPA, Revolut Pay, AstroPay | 1%–3% varies by provider | No, payment processor fees only | Not mandatory for all operation, limited KYC for basic access | Smaller buys without full KYC, stablecoin purchases |
| OKX | 350+ across major L1s and L2s, including Ethereum and Arbitrum | Visa, Mastercard, OKX Pay, Google Pay, Apple Pay | 12+ including Simplex, Banxa, MoonPay, Alchemy Pay | 1%–3%, varies by provider | Yes, 1.5-2.5% | Yes | Large buys, deep liquidity, multi-chain access |
| CoinEx | 1,300+ tokens across 50+ chains, including Ethereum, Arbitrum, and BNB Chain | Visa, Mastercard, Apple Pay, Google Pay | 6+, including Advcash, Simplex, Banxa, Moonpay, Guardarian | 0.8%–3%, varies by provider | No, payment processor fees only | Yes (encouraged, with policies for AML/KYC) | Altcoin access, low trading spreads, high transparency |
| BloFin | 400+ tokens across major chains including Ethereum, Solana, and BNB Chain | Mastercard, Visa, BloFin Card | 3+, including Simplex, Alchemy Pay | 1%–3%, varies by payment method | No, payment processor fees only | Non-mandatory KYC for basic operations | Buying without KYC, easy onboarding with card for futures users |
Though Best Wallet is our top pick for buying crypto with a credit card due to its low fees, beginner-friendly interface, and wide crypto support, there are plenty of other excellent platforms on this list.
For the widest choice of payment processors, check out MEXC, which integrates MoonPay, Banxa, Mercuryo, and more. Binance is a strong pick if you’re after low VIP-tier fees and huge token variety, including meme coins and newer launches.
Each platform handles things a little differently, so your buying experience will vary based on where you live, what coin you want, and how much you’re trying to spend.
Pros and Cons of Buying Crypto With Credit Card
There are some pros and cons you need to be aware of before you buy crypto with a bank card. We’ll go through some of these below, so you’re fully informed before you decide if a credit card crypto purchase is right for you.
Advantages of Buying Crypto With Card:
- Faster access to new chains: If you don’t already hold crypto on the right network, buying with a credit card can be quicker than bridging or swapping across chains. While on-ramp verification may take a few minutes, it still beats the hassle of navigating DEXes and gas fees when you’re not already set up.
- Fiat access for first-time buyers: If it’s your first-ever crypto purchase, using a credit card is one of the simplest ways to get started. No need to mess with bank transfers, exchanges, or crypto-to-crypto conversions.
- Potential for rewards: Some cards still allow cashback, miles, or points on crypto buys, especially if they don’t treat it as a cash advance. Just be aware that many issuers do classify crypto as a cash advance, which disqualifies you from rewards and usually comes with higher fees.
- Purchase protection and dispute rights: Unlike bank transfers or sending crypto directly, card payments often come with dispute mechanisms and fraud protection, which can be a safety net if something goes wrong.
- Easier dollar-cost averaging (DCA): If you’re looking to build a position over time, credit cards make recurring purchases easier to automate, especially on platforms that support regular buys.
Risks of Buying Crypto With Card:
- Potentially high fees: Buying crypto with your credit card can incur a whole host of fees, from platform transaction fees to cash advance fees of up to 5% of the transaction amount, depending on your card issuer.
- KYC: The majority of exchanges require you to pass KYC procedures for fiat on-ramps, so you’ll need to spend time verifying your identity before you can buy crypto.
- Market volatility increases debt risks: The crypto market is highly volatile, which means you could end up owing more on your card than your cryptocurrency is worth.
- Credit utilization impact: Buying crypto on your credit card can increase your credit utilization (the portion of your total credit limit that you’re borrowing), which can have a negative impact on your credit score. However, if you repay your balance on time, it can actually help build your credit over time by showing responsible usage.
Verdict – Best Platforms to Buy Crypto With a Credit Card
For those wondering how to buy crypto with a credit card in the USA, we hope this guide has helped you understand the risks and advantages of this method, and what to expect from the process.
Buying crypto with a credit card can be risky, and everyone will have their own opinion on what is the best platform for purchasing. We recommend Best Wallet for its ease of use, direct access to crypto presales, and MPC security. There are plenty of other platforms to consider here too, from Margex to OKX.
Please note that nothing in this article constitutes financial advice. We always recommend that you carry out your own research, including reading user reviews, before choosing a platform to buy crypto with a credit card.
FAQs
1. Can you buy crypto with credit cards?
It’s possible to buy crypto with credit cards, provided you have a credit card that supports cryptocurrency purchases. You’ll also need to check that the crypto exchange you plan to use supports your credit card. And if you’re wondering how to buy crypto with credit card no verification, check out our section on KYC above.
2. Can I use a credit card to pay for crypto?
Yes, you can use your credit card to pay for crypto at any of the cryptocurrency exchanges we have reviewed above, such as Best Wallet or Margex. It’s important to note that cryptocurrency purchases aren’t available in some regions or at some credit card issuers such as Bank of America and Capital One.
3. Why is it so hard to buy crypto with a credit card?
A few reasons. First, not all card issuers support crypto purchases – some banks block them entirely due to fraud risk or internal policies. Second, you’ll usually need to pass KYC checks, which can slow things down or block you if your documents don’t pass. And third, fees can stack up fast. Between card processing charges, cash advance fees, and platform fees, buying with a credit card can end up costing more than other methods.
