Buy Crypto with a Credit Card
In this guide, we outline the best way to buy Cryptocurrencies with a Credit Card through a licensed & regulated exchange. Get started quickly with low fees.
Summary: To purchase cryptocurrency using a credit card, investors should opt for a licensed and regulated exchange within their region. This approach enables the secure linking of your VISA or Mastercard Credit Card to the platform, allowing fiat currency deposits and crypto asset purchases.
We recommend Uphold for users in the USA, UK, Europe, and over 100 other countries due to its global licensing, quick and affordable credit card deposits in more than 30 currencies, and access to 250+ cryptocurrencies at low fees. Uphold, trusted by over 10 million users, is among the safest methods to begin using a credit card for crypto transactions.
Can you Buy Crypto with a Credit Card?
Yes, buying cryptocurrency with a credit card is achievable in any country. Many leading credit card providers enable users to buy crypto assets via regulated exchanges, offering a convenient and quick investment method.
However, be aware that additional fees and higher interest rates may apply when using a credit card for cryptocurrency purchases, so it's important to examine the terms and conditions closely prior to proceeding.
How to Buy Crypto and Bitcoin with Credit Card
As previously mentioned, the most secure and straightforward method to buy digital assets with a credit card involves using a regulated exchange within your region. Platforms such as Uphold allow users to quickly sign up, link their credit card, deposit funds, and begin trading 250+ cryptos, with daily limits of up to $5,000 USD.
Here is a simple 4-step guide to getting started:
- Open an account with Uphold and complete the identity verification process.
- Select the 'My Cards' option to add your Credit Card and input your details.
- Input the amount of USD, EUR or alternative currency you want to deposit and the transfer will be completed instantly.
- Find the crypto you want to buy on the platform and execute your trade.

What are the fees to buy Crypto with a Credit Card?
The fees to purchase cryptocurrencies with a credit card will vary from exchange to exchange. That said, the minimum is generally around 2.99% because that is the fee that both VISA and Mastercard charge to transact using their network.
The other fee you will need to consider is the trading fee when executing a transaction on a platform. Fortunately for users, Uphold charges zero upfront fees and a small fee in the spread that averages at around 0.5%. This is significantly cheaper than alternative like eToro or Coinbase who charge in excess of 2% to buy or sell.
Are there risks of buying Crypto with a Credit Card?
Yes, there are risks associated with buying cryptocurrency using a credit card. One major risk is that the value of the cryptocurrency may decrease after you have purchased it, which could result in you owing more on your credit card than the cryptocurrency is worth. Additionally, some credit card companies may classify cryptocurrency purchases as cash advances, which can incur higher interest rates and fees.
Additionally, some countries may have laws and regulations that restrict the purchase of cryptocurrency using a credit card. It's important to do your own research and to make sure you understand the risks involved before making any purchases.
VISA & Mastercard Cryptocurrency Policy
Two leading global credit card companies, Visa and Mastercard, have recently started permitting specific cryptocurrency transactions on their platforms. Both firms emphasize adherence to relevant laws and regulations and have established certain limitations on crypto transactions. Visa will facilitate USD Coin (USDC) usage for B2B transactions and enable crypto-to-fiat on-ramps and off-ramps via its partners. Meanwhile, Mastercard plans to support select cryptocurrencies and collaborate with chosen partners to provide crypto services such as purchasing, holding, and selling digital currencies.
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Bottom Line
In summary, buying cryptocurrency with a credit card is possible through licensed and regulated exchanges like Uphold. Users can easily link their VISA or Mastercard, deposit fiat currency, and purchase over 250 crypto assets. While fees vary, Uphold offers competitive rates with low transaction fees. Be aware of potential risks, such as fluctuating crypto values and higher interest rates, as well as local laws and regulations. Both Visa and Mastercard have recently begun supporting specific crypto transactions, emphasizing compliance with relevant regulations.