How to Buy Bitcoin (BTC) with Credit Card?

It seems an eternity ago when Bitcoin was a fringe idea, the main currency of the nefarious dark web markets. At that time, the broader society viewed it with both distrust and derision. Times have rapidly changed for Bitcoin, and the year 2025 is the biggest year it has ever had in its 8-year lifespan.

This year is significant not only because Bitcoin has increased in value significantly, surpassing $100,000, but also because it has received the widest support possible in the US. Investors and speculators are flocking to Bitcoin, and the broader cryptocurrency industry’s huge success this year can be attributed mainly to the enthusiasm surrounding Trump’s “Bitcoin presidency.”

With the rapid adoption of Bitcoin by big-time investors, as well as everyday people and small businesses (who view it as a means of earning better compensation for their services), the methods of acquiring it have become increasingly accessible. Gone are the days when you will need to go through a lot of trouble to get your hands on this prized commodity. Huge demand has ushered in the easiest and fastest possible ways to buy Bitcoin, with credit/debit card purchases leading the way in this category.

Bitcoin, due to the irreversibility of its transactions, has been slow to be adopted as a credit card buying option. Most exchanges and sellers have been too fearful as a result of the ease with which credit card information gets stolen and misused by criminals without the knowledge of its owners. This often triggers chargebacks when the real owners lodge complaints with their financial institutions. However, this has slowly changed as the increasing demand for Bitcoin has prompted cryptocurrency traders to develop safer processes for purchasing Bitcoin using Credit or Debit cards.

Some of the best-known ways of buying Bitcoin using your credit or debit card include the ones that we’ll cover in this article.

Best Wallet

Best Wallet is our top recommendation for buying BTC with a credit or debit card. As a non-custodial crypto wallet, it offers more security than centralized platforms while offering a user-friendly experience. It’s currently available as a mobile app for Android and iOS devices.

Moreover, Best Wallet does not require Know Your Customer (KYC) verification for fiat-to-crypto transfers. This means users remain anonymous when using the app. It aggregates the exchange rates of multiple third-party onramping partners and offers the best rates, supporting over 60 fiat currencies.

As a decentralized wallet, Best Wallet enables users to connect with various Web3 platforms, including DeFi (decentralized finance) applications and exchanges. Additionally, it features a network token called Best Wallet Token (BEST), which allows holders to get in-app fee discounts and higher staking rates.

Users are recommended to enable two-factor authentication (2FA) and store their wallet private keys in a safe location. Best Wallet allows users to back up their recovery key phrase through their Apple ID or Google account.

How to Buy Using Best Wallet

• Go to the App Store or Google Play Store, search for ‘Best Wallet,’ and install the app on your mobile device.
• Open the app and complete the registration process by linking your email address.
• Tap ‘Buy’ and select Bitcoin. Select a fiat currency to convert into Bitcoin and enter the amount you wish to spend.
• Click ‘Buy BTC’ and follow the instructions on the third-party payment gateway. Ensure that you select the credit card option and enter the correct details.
• After the purchase is complete, your purchased Bitcoin should be reflected in your Best Wallet app in a few moments.

Visit Best Wallet

MEXC

MEXC is the next top option for Bitcoin purchases via credit card. Established in 2018, the centralized crypto exchange supports over 2,800 tokens across multiple networks. In addition to its desktop interface, users can download the exchange’s mobile app on Android or iOS.

Users must complete the platform’s KYC process before making fiat-to-crypto transactions, but the verification should only take a few minutes. This requirement is part of MEXC’s stringent compliance with global crypto regulations and AML (Anti-Money Laundering) policies.

While KYC is required for crypto onramping, MEXC does not require identity verification for on-chain deposits. Users can stay anonymous and trade spot and futures markets. The only downside to not verifying your account is restrictions on certain features and withdrawal limits.

MEXC has over 30 million global users and maintains high security standards with 2FA and regular Proof of Reserves. Other features include bot trading, copy trading, and crypto earning products.

How to Buy Using MEXC

• Visit the MEXC platform and click the Sign Up button to open the registration form. Fill out the form, including your email address or mobile number.
• Alternatively, you can complete your registration by connecting a Google account or an Apple ID.
• On your account dashboard, complete the KYC requirements (until Advanced KYC). You’ll need to upload a valid ID for this verification process.
• Once you’ve completed your Advanced KYC verification, click ‘Buy Crypto’ on the MEXC dashboard. Select the ‘Debit/Credit Card’ option, and click ‘Add Card.’
• Select the fiat currency to be used for your BTC credit card purchase and fill out your card details on the Add Card form.
• Enter the amount in your chosen fiat currency to exchange for BTC and click ‘Buy Now’ to finalize the transaction.

Visit MEXC

Binance

Our list of best platforms for buying BTC with a card would not be complete without Binance, the largest cryptocurrency exchange in the world by trading volume. Founded in 2017, the exchange features an entire blockchain ecosystem with various crypto products, marketplaces, and even its own token.
Binance serves over 270 million users who can access the exchange on desktop devices, Android, or iOS smartphones. The mobile platform offers two interfaces, Lite and Pro, the former for a cleaner and beginner-friendly aesthetic, and the latter featuring more advanced trading tools and indicators.
Like other well-regulated centralized exchanges, Binance requires users to complete a KYC verification before making fiat-to-crypto deposits. However, once the verification is finished, users can enjoy all the features the Binance exchange offers, including P2P (Peer-to-Peer) markets and crypto earn products.

How to Buy Using Binance

• Head to the Binance exchange and click ‘Sign Up.’ Enter your email or phone number. You can also register by connecting your Apple ID, Google, or Telegram account.
• Binance requires all users to verify their accounts in compliance with global regulations. To do so, you must complete the KYC verification, which requires you to upload certain documents, such as a valid ID.
• With your verified account, you can make a BTC purchase via card by clicking ‘Buy Crypto’ on the navigation bar.
• Choose the fiat currency you wish to spend on Bitcoin, and select the bank card option as your payment method. Then, enter the amount of Bitcoin you wish to purchase.
• Click ‘Preview Order,’ then enter your card details and complete the BTC purchase.

Visit Binance

Margex

Launched in 2019, Margex is another excellent platform to consider when buying Bitcoin with a credit card. This centralized exchange supports major cryptocurrencies and offers crypto futures trading with up to 100x leverage through cross and isolated margin positions.

For credit card purchases on Bitcoin, Margex requires investors to verify their identity on the platform, requiring users to upload a photo of a valid ID. After making a successful fiat-to-crypto transfer, investors can use their crypto holdings to earn passive income, copy other traders, or open a futures position.

One unique feature of the Margex exchange is its bonus structure. With already competitive trading fees, Margex lets users offset up to 50% of the trading fees through various bonuses. These bonuses are held in a consolidated bonus balance and can even be used to offset funding fees on crypto futures positions.

How to Buy Using Margex

• Go to Margex and click ‘Sign Up.’ This will open the account registration page, where you can sign up with an email or phone number, an Apple ID, or a Google account.
• The next step in the registration process is KYC verification. Follow the instructions on the page, which will require a valid ID to complete.
• Click ‘Buy Crypto’ on the navigation bar and choose a fiat currency. Then, select Bitcoin as the receiving currency and ‘Credit/Debit Card’ as the payment option.
• Click ‘Buy with USD’ and follow the prompts from the third-party payment gateway, which will require your card details.

Visit Margex

OKX

OKX is a leading crypto trading platform that provides BTC purchases via credit card and other fiat payment options. This exchange is known for its advanced trading features, including margin and crypto perpetuals trading on thousands of trading pairs.

Additionally, OKX offers more connectivity to decentralized applications than other exchanges. It features a decentralized wallet with multi-chain support, allowing users to access DeFi apps and other Web3 services. Users’ accounts are secured through 2FA, with biometric authentication on the OKX mobile interfaces.

Before using OKX’s full features, like Bitcoin purchases with a bank card, users must KYC verify their accounts. The process should only take minutes and will require uploading a valid ID document and taking a selfie for verification.

How to Buy Using OKX

• Visit the OKX website and click the Sign Up button. Enter your email address and a secure password on the registration page. Alternatively, you can connect an Apple ID, Google, or Telegram account.
• Then, verify your identity by following the KYC process shown after registration. This requires uploading a valid ID, like a driver’s license or passport.
• Once fully verified, click ‘Buy’ and select ‘Buy Crypto’ on the navigation bar. Select Bitcoin as the crypto to purchase and your preferred fiat currency.
• Enter the amount you wish to exchange for Bitcoin, and select ‘Add Card.’ Fill in your card details using the Add Card widget.
• Click ‘Next,’ review your purchase details, and click ‘Buy’ to execute your Bitcoin order.

Visit OKX

CoinEx

With its seamless trading interface and extensive third-party payment support, CoinEx makes our list of the best platforms for buying BTC with a credit card. In addition to Bitcoin, the exchange supports over 1,300 cryptocurrencies and nearly 2,000 trading pairs.

After completing the personal KYC verification, CoinEx users can buy Bitcoin and other tokens on the platform through its many supported payment gateways. Inventors can find the best rates and lowest transaction fees among the third-party options, enabling users to make the most cost-effective exchanges.

Other crypto products and services at CoinEx include copy trading, staking, crypto perpetuals, market updates, and P2P trading. The exchange has served clients globally for the past 7 years and aims to remain the expert platform for crypto enthusiasts.

How to Buy Using CoinEx

• Go to the CoinEx website and click ‘Sign Up’ on the homepage. Enter your email address or mobile number for registration. You can also sign up with a Google account or an Apple ID.
• Next, complete the required personal verification. Follow the instructions and upload a picture of an ID card.
• After verifying your account, click ‘Buy Crypto’ and select ‘Third-Party Trading.’ Select one of the platform’s third-party payment services by clicking the assigned Buy button.
• Enter the amount of Bitcoin you want to buy with your credit or debit card, fill out your card details, and click ‘Buy’ to complete the process.

Visit CoinEX

BloFin

BloFin is one of the newest platforms on our list, and stands out because of its digital asset security combined with supported fiat payment options. Despite its novelty, the platform is growing its digital asset ecosystem with various products like futures, copy trading, and earning.

Aligned with its focus on security, BloFin requires users to verify their identity before they can buy Bitcoin with their credit cards. It safeguards clients’ crypto holdings with its partnerships with digital asset custodian Fireblocks. BloFin has also partnered with Chainalysis, a blockchain data platform that enables the exchange to monitor transactions in real-time.

Currently, the BloFin exchange offers 320 crypto futures trading pairs and 100 spot trading offerings. It attracts new users while incentivizing current investors with trading bonuses, rewards, and referral programs.

How to Buy Using BloFin

• Head to the BloFin exchange and click ‘Sign Up.’ Enter your email address and phone number on the registration page. You can also open an account by linking an Apple ID or a Google account.
• Then, complete the identity verification process. This will require you to upload an image of a valid ID, such as a driver’s license or passport.
• Once fully verified, click ‘Buy Crypto’ on the homepage. Select a fiat currency and enter the amount in exchange for Bitcoin.
• Select a third-party payment service and enter your card information on the page. After reviewing your transaction, click ‘Buy’ to complete the BTC purchase.

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KCEX

KCEX does not support direct Bitcoin purchases via credit cards, but we’ve included it because of its extremely low trading fees and as an option for users looking for no-KYC platforms. Established in 2021, the centralized exchange supports nearly 800 cryptocurrencies, including Ethereum, XRP, Solana, and Dogecoin.

While KYC verification isn’t required for trading and on-chain deposits, users who verify their accounts get to increase their daily withdrawal limit from 20 BTC to 30 BTC. Regarding security features, the platform offers 2FA, passkey, anti-phishing codes, and device management.

Aside from being a simple and reliable trading platform, KCEX attracts traders with its low trading fees. In particular, spot trading fees are 0%, futures trading taker fees are 0.01%, and maker fees are 0%.

How to Buy Using KCEX

• Visit KCEX and sign up for an account. You need a mobile number or email address, but you can also sign up quickly with an Apple ID or a Google account.
• Install a crypto wallet like Best Wallet and use your credit or debit card to buy Tether (USDT).
• On the KCEX dashboard, click ‘Deposit’ and use the given wallet address to transfer from your crypto wallet to your KCEX account.
• Click ‘Spot’ on the KCEX navigation bar and find the BTC/USDT trading pair. Open a position by inputting how much USDT you want to swap for BTC, then click ‘BTC’ to open the trade.

Visit KCEX