Buy Bitcoin With Credit Card in 2020 Instant


Buying Bitcoins with a Credit card and Debit card is the most popular way to buy Bitcoin, and these days it’s becoming more comfortable to buy Bitcoin with a Credit card because it’s the most convenient way to buy Bitcoin. Also, more and more Exchanges are allowing Credit card as a valid payment option.

Though Convenience comes at a price like most cryptocurrency exchanges, charge 4% for Credit Card and Debit card purchases, but buying Bitcoins this way is fast and easy and becoming more because most of the customers consider using a credit card to purchase Bitcoins.

Here are the best exchanges that we recommend and allow you to buy Bitcoin with a Credit card.

  • Coinmama
  • Coinbase
  • Changelly
  • LocalBitcoins


Coinmama is an excellent option to buy Bitcoin with a credit card or any other cryptocurrency. It is the most comfortable bitcoin broker that allows you to buy bitcoin with a credit card.

You have to pay ~6% fee due to processing fees that come with a credit card.

Coinmama is also great because it offers a high limit. You can buy up to:

  • $5,000 worth of bitcoin per day
  • $20,000 worth of bitcoins per month
  • Coinmama also has a minimum of $60 USD.

Also, Coinmama asks you for a wallet to send the purchased amount of Bitcoin by you so, Coimama doesn’t provide a wallet though this shouldn’t be an issue as long as you have your wallet.

Coinmama is trusted and has a reputation in the crypto community; it is based in Israel. One more great thing is that after your account is verified and a purchase is made, you’ll receive your bitcoin within a few minutes.

A quick step by step process on how to buy Bitcoin with a credit card on Coinmama:

  1. Create account. Open your account on Coinbase.
  2. Connect the credit card. Add your credit card information to your Coinmama profile
  3. Verify ID. Verify your I.D. with Coinmama.
  4. Buy bitcoins! Buy bitcoins using your credit card.


  • It works in all most every country except some U.S. States. Visit this page to read more.
  • Reliable and trusted broker to buy Bitcoin
  • Excellent support and fast service


  • High processing fee for credit and debit card buyers.
  • It is limited in some U.S. states.


Coinbase is also another great option to buy Bitcoin with a Credit card and one of the largest bitcoin brokers. After 2012 they’ve made it simple for anyone to get into cryptocurrency.

Coinbase supported countries.

But you need to note one important thing about Coinbase is that if you live in the United States, (U.S) most Credit card purchases are disabled for some security reasons, but the Debit card is still accepted.

Coinbase charges 3.99% fee on all purchases via Credit or Debit card, which is one of the lowest for European and U.S. customers.

At Coinbase, you can buy around $150 or €150 of bitcoin per week instantly. For AML reasons, Coinbase (nearly all other exchanges) require users to submit a picture of their I.D. card and some additional information to verify.


  • High buying limits
  • Great for beginners
  • Relatively low fee and give free $10 of free bitcoins when buying $100 worth of Bitcoin from Coinbase.


  • They may track you
  • Horrible support


Changelly is a great cryptocurrency exchange broker and supports in the whole United States. It’s a great option to buy any cryptocurrency, and you can buy bitcoin with a credit card also.

It is simple and easy to use, Changelly is a trusted option to buy bitcoin with a credit card, or any other payment can also change bitcoin into any other cryptocurrency.

Changelly is not only a legitimate website, but it’s also a useful and excellent service that every cryptocurrency user should be bookmarking.

Changelly works in:

  • All U.S. states.
  • Europe
  • Australia and almost every country


  • user-friendly and great support
  • Buy Bitcoin on Changelly using a credit card or debit card
  • Exchange fees are only 0.5%.


LocalBitcoins is a peer to peer market place to buy and sell Bitcoin. They offer a wide variety of sellers that you can use to buy Bitcoin with a Credit card easily.

  • United States
  • Europe
  • United Kingdom
  • Australia, Canada, and almost every country in the world where LocalBitcoins are available.

LocalBitcoins is a global bitcoin exchange that provides a lot of options to its users. They’re considered reliable and trusted to buy bitcoin with a credit card or any other payment option. The best part is you can also sell you bitcoin or any other cryptocurrency here and set your price.


  • An easy-to-use interface
  • Wide variety of sellers


  • Not good if you’re new because sellers are afraid of scams
  • High Fees and frauds are also high

Why use a Credit card or a Debit card to purchase Bitcoin?

Using a credit card is the best way to buy Bitcoin or any other cryptocurrency because it is faster than others anyway. When you use the bank account to purchase bitcoin, exchanges take up to 3-8 days to receive your cryptocurrency and making you inconvenient, but if the speed is is not a case for you, then consider using a bank account because you can save the purchasing fees.

Are there any disadvantages of buying Bitcoin with a credit card or Debi card?

There are just two disadvantages of buying Bitcoin with a credit card or Debi card. First, the fees are higher; for example, Coinbase charges a 3.99% of the fee when purchasing from a credit card or Debit card, but with a bank account, the fees are 1.49% fee for buying bitcoin with a bank account.

The second disadvantage with buying bitcoin with a credit card or a debit card is the purchasing limit is lower. Because of the risks exchanges, they offer lower limits. You can increase these limits when:

  • A bank account is linked
  • A photo I.D. is provided
  • A phone number is linked
  • Purchase history is established

Can I buy Bitcoin without verification?

Yes, you can buy Bitcoin without vericfication with a prepaid credit card which allows you to make the purchase anonymous. for example Coinmama, Coinbase, Changelly and LocalBitcoins Exchange all let’s you buy Bitcoin without verification. Though the problem with this method is that the purchse limit is lower compared to when you verify your account.


Buying bitcoins from which exchange broker can be quite hard to decide, but it is worth to spend on Bitcoin or some other cryptocurrency. So, I recommend you to try out every given Bitcoin exchange option with a small amount of money and increase the spending only if you’re comfortable with them.

The best payment method to buy Bitcoin is usually a Credit card, but you can use some other too! But always make sure when you buy Bitcoin with a credit card or any other payment method that you are not getting scammed in any way possible.

Lastly, before purchasing Bitcoin, you should look for the option for storing your Bitcoins, and Leaving cryptocurrencies such as Bitcoin on an exchange for an extended period of time is not recommended and can lose a lot in a small amount of time.

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