How to Buy Bitcoins with Credit Card or Debit Card

Buy Bitcoin with a Credit Card at Circle

Circle is the only exchange that lets U.S. customers buy bitcoin with a credit card or debit card. The only difference is debit card purchases are free, while credit card purchases come with a 3% fee.

Here’s a step-by-step guide on how to buy bitcoin instantly with a credit or debit card on Circle.

1. Create an Account on Circle

Once you create an account, confirm your personal details an login. Once you’ve logged in, continue to the next step.

2. Navigate to account settings

Navigate to the top right corner and enter your account settings.

3. Click on “CARDS AND BANKS”

4. Click on the green button “Add Account”

5. Select “Add Credit Card” or “Add Debit Card”

Remember that debit card purchases are free, while credit card purchases come with a 3% fee.

6. Add your card information

That’s it! Now you can buy bitcoin instantly with your credit card or debit card on Circle.

Buy Bitcoin with Debit Card or Credit card at ChangeTip

Changetip is another great option to buy bitcoin instantly with a credit card in the United States. ChangeTip is a social tipping service, that lets people send small amounts of money to other people on the web. At ChangeTip you can buy up to $40 worth of bitcoin instantly with a credit or debit card. Here’s how:

1. Create an account on Changetip

You can login with Facebook, Twitter, or Reddit. Once you create an account, login.

2. Deposit

At the top of the page, click “Deposit” and then “Bitcoin”.

3. Add Card

Click “Add new card”.

4. Add Card Details

Fill in your credit/debit card information.

5. Buy Bitcoin

If you’re card was verified, you’ll now be able to select how much bitcoin you want to buy.

That’s it! Note that ChangeTip charges an 8.3% fee per purchase. Still, if you need bitcoin fast this is a good option.

More Information about Credit/Debit Card Exchanges

Frequently Asked Questions

What are risks are involved buying bitcoins with credit card?

First of all, make sure the company you're buying for has a good reputation and is regulated. It's possible that sketchy companies selling bitcoins may be collecting CC information and could possibly scam you later.

Some users have reported cash advanced fees, so be sure to understand how your CC company handles the purchase of bitcoins.

What are the benefits and advantages?

It can be easy to get bitcoins fast if purchasing with a debit/credit card. Since most people understand how to shop online using credit and debit cards, it may be easier for less technical buyers to use credit cards to purchase bitcoins.

What are the disadvantages?

It's hard to buy large amounts of bitcoins with a CC or DC. Also, the fees are higher due to the risk of fraud and scams.

Why was purchasing bitcoins with a credit card once difficult?

Credit card payments are reversible. Actually, merchants don't receive the money from credit card payments until ~60 days after a card is swiped. Because Bitcoin transactions are irreversible, it's risky for a merchant to sell bitcoins for CC payments. Companies have found new ways to prevent fraud and thankfully this has made it much easier to buy with a CC, as evidenced by the many options listed above.

If none of the companies above suit your needs, try buying bitcoin with cash, SEPA transfer, NETELLER, or Skrill. To find more places to buy bitcoin in your country use our country index.

Note: Buy bitcoin at your own risk. We only recommend companies we find and can't guarantee the security of your funds. We recommend buying bitcoin and immediately moving it to a wallet you own.