How to Buy Bitcoin with a Credit Card Instantly

how to buy bitcoin with credit card instantly

Buy bitcoin with a credit card instantly can be tough to figure out if you are new to Bitcoin, but it doesn’t have to be.

We have compiled a list of the safest and easiest crypto exchanges to buy Bitcoin on, so that you can start collecting Bitcoin for your early retirement today (wink wink).

We update the list frequently, to ensure that you know you are using the best bitcoin exchanges on the market today. 

Last Updated: 07/21/2019

Top 3 Credit Card Bitcoin Exchanges

Coinbase Simple Logo


Coinbase is probably the most known cryptocurrency exchange operator in the world today. They first began their operations in 2012 and have since amassed a customer database of more than 10 Million, a solid testament to just how trusted they have become.

With Coinbase you can buy bitcoin with a credit card instantly. They accept Credit cards and Debit Cards (Visa and Mastercard) from anywhere in the world. You may also use Paypal when the time comes and you want to withdraw some of your gains.

Coinbase is available in Australia, USA, United Kingdom, Europe – a total of 37 countries around the globe. They charge a flat 3.99% fee for any Bitcoins or cryptos you purchase with your credit card.

Sign-up using our link today, and you’ll get $10 added to your Coinbase account when you buy for more than $/£/€ 100. Simply hit the “Buy Bitcoin Today” button underneath to get started.

  • Click here for an in-depth guide on how to create your Coinbase account.
  • Click here If you need a tutorial on how to buy bitcoin with Coinbase with a Credit Card.

Reasons For

  • Safe and Secure
  • Very trusted
  • Easiest way to buy Bitcoin
  • Visa Mastercard Credit and Debit Cards accepted

Reasons Against

  • Limited to 14 cryptos
  • Relatively high fees (3.99%)
  • Long sign-up procedure
Changelly Crypto Credit Card Exchange


Changelly is a crypto exchange aggregator – in simple terms it means that it will always find you the best available bitcoin or crypto price on the market at the time of your purchase.

On Changelly you can buy Bitcoin, Ethereum, Litecoin, Bitcoin Cash or Ripple immediately using your Credit Card or Debit Card (Visa or Mastercard). They charge 5% fee on any crypto purchase you make with your card and 0% withdrawal fees. The minimum amount you can invest is $/€50.

Changelly is available across the globe, excluding United States of America (USA).

It is one of the most secure ways to buy and own cryptos today. When you buy crypto with your credit card, they are sent directly to your very own crypto wallet. If you do not have one, don’t worry, as Changelly does a great job at guiding you through the whole process. The benefit of having it in your own wallet, is that you will never have to worry about Changelly’s security or them closing on a whim.

  • Click here for a tutorial on how to create your Changelly account.
  • Click here for a tutorial on how to buy Bitcoin with a Credit Card through Changelly.

Reasons For

  • VERY Safe and Secure
  • Visa and Mastercard Credit and Debit Cards Accepted
  • Cryptos are stored in your wallets
  • No withdrawal fees
  • Live Chat Support available 24/7

Reasons Against

  • Limited to 5 cryptos
  • High fees (5%)
  • You have to setup your own wallets
CEX brand icon crypto exchange


Since launching in 2013, CEX has gone from strength to strength, continuously expanding and building out. CEX is best likened as a hybrid crypto exchange, in the sense it has everything needed for completely beginners and the more experienced traders.

Among others, you can buy Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Ripple, Bitcoin Gold, DASH, Stellar and Zcash using your Visa/Mastercard Credit Card or Debit Card. While their platform is excellent, they do charge a premium for instant bitcoin purchase with a credit card, at 7.00%. If you use their standard exchange instead, this falls to 0.25%.

CEX has no country restrictions. CEX is available to all residents of United States of America (USA), Europe, Asia and Africa. 

CEX is fully licensed as a money transmitter in the UK and USA (FinTech license). They are therefore required to adhere to the highest standards for financial institutions, resulting in increased security.

  • Click here for a tutorial on how to create your CEX account.
  • Click here for a tutorial on how to buy Bitcoin with a Credit Card through CEX.

Reasons For

  • Low deposit fees (2.99%)
  • Visa and Mastercard Credit and Debit Cards Accepted
  • Live Chat Support available 24/7
  • Intuitive Platform

Reasons Against

  • High bitcoin credit card fees (7.00%)

How to Create Your Bitcoin Exchange Account

Coinbase Simple Logo

How to create an account on Coinbase

Bitcoin Exchange Tutorial

1. Click "Get Started".

To get started on Coinbase, you first need to set up your account. Click here to head on over Coinbase and hit the “Get started” button on their website, as indicated in the screenshot below. You’ll find the button at the top right corner of their website.

coinbase account registration step 1

2. Fill out registration form.

Next, you will need to fill out the registration form that appears on the following screen, as indicated below. Naturally, you must confirm that you are 18 years or older to be able to proceed. To proceed to the next step, click “Create Account”.

Coinbase registration step 2

3. GDPR Notice

If you are located in the EU (European Union), you will be met with a third step that highlights Coinbase’s legal requirement, to follow the privacy policy called GDPR. Click next to proceed.

Coinbase Registration Step 3

4. Privacy Policy

The following screen goes into more details explaining your rights as a customer in relation to the GDPR policy if you are in EU. There is nothing to be worried about here, as the policy is a European standard designed specifically to increase and protect your rights as a consumer. Simply process “I acknowledge” to continue.

Coinbase Registration Step 4

5. Marketing Communication

The next screen is where you get to decide if you want to be opted in or opted out of their marketing communication emails. If you have no interest in receiving any special offers by email, press “no”. This will not impact you negatively, as anything related to the service they provide and anything related to your account, they are still legally obligated to email you about, so these emails you will still be opted in to.

Coinbase Registration Step 5

6. Email Verification

Next you will be receiving an email from Coinbase. This is just a confirmation email to prove that you own the email that you used during the registration process.

If you do not see the image immediately in your inbox, check your spam or junk folder, as sometimes these may be filtered out by your email provider.

If the email did not arrive, simply click “Email didn’t arrive?” and a new one will be sent to you.

Coinbase Registration Step 6

7. Add your Phone Number

Following this, you will be required to confirm your phone number. This is required for security, as you will have the option to opt-in to entering an SMS code whenever you log in to your account after. This ensures that nobody can get access to your account except for you.

Simply enter your phone number to proceed.

Coinbase Registration Step 7

8. Verify your Phone Number

You will now have received an SMS on your phone entered. Insert the code you received by SMS into the form on Coinbase to proceed.

Coinbase Registration Step 8

9. Verify your Personal Details (ID)

Next up, you will need to confirm your identity. Due to Coinbase holding a money management license as a registered stock broker, they are required to confirm the identity of their customers.

Fill out the form below to continue to the next step.

Coinbase Registration Step 9

10. Select ID document type

Here you will be required to select the desired document type to be able to continue creating your account on Coinbase.

Select your preferred type to continue (you can always go back afterward).

Coinbase Registration Step 10

11. Select ID Upload Type: Webcam, Mobile Camera or Upload

You will now have the option to upload your proof of identity using your Webcam, Mobile Camera or Upload from a local file on your device.

Select your preferred type to continue.

Coinbase Registration Step 11

12. Upload Document

As I chose to upload from a local file, I saw the following screen, yours may vary depending on the option you chose for Coinbase.

Coinbase Registration Step 12

13. Wait for Coinbase's Verification to Complete

Coinbase is now trying to verify your document in real-time. As long as you uploaded an image that is clear to read, it should be verified within a few seconds.

Coinbase Registration Step 13

14. Upload Proof of Address

Next, Coinbase requires you to upload proof of your address. You need here a Bank Statement, Utility Bill or a Credit Card statement from within the past 3 months, that clearly shows your name and address.

Coinbase Registration Step 14

15. Wait for Coinbase to Verify your Document

Once you have selected and uploaded your document, Coinbase will attempt to automatically approve your proof of address. If it fails to do so, the verification process may take a bit longer, as a human will need to be involved to manually check and verify the document that you loaded. As long as you have made sure you uploaded a good quality utility bill, bank statement or credit card statement, showing your name and address, everything should be just fine.

Step 16 Coinbase Registration Proof of Address

Your Coinbase Account Has Now Been Created

For a guide on how to buy Bitcoin with a Credit Card on Coinbase, click here.

Changelly Crypto Credit Card Exchange

How to create a Changelly account

Bitcoin Exchange Tutorial

1. Click "Sign up"

Click here to navigate to Changelly to start create your account. You will see the website as it appears below. To create your free Changelly account, simply click “Sign up” using the green button in the top right corner of their website.

1 - Hit Signup to begin Changelly Account Creation

2. Enter your Email address

From here, simply insert your email address OR hit the facebook or twitter icon underneath for a quicker sign-up.

2 insert email address to begin

Your Free Changelly account has now been created!


To use Changelly, you also need your own Bitcoin Wallet – if you already have a Bitcoin wallet address that you want to use, you can skip this step. If you want a thorough guide on how to create your own Bitcoin wallet address to buy bitcoin with a credit card on Changelly via, then we have a step by step tutorial for you below.

How to Create a Bitcoin Wallet Address

1. Enter your login details

To create your own Bitcoin wallet address, we will guide you through the setup process with the provider recommended by Changelly. 

Click here to start creating your own Bitcoin wallet address. As indicated underneath, simply fill out your email address and desired password here, and don’t forget to accept their terms and conditions. Or alternatively, you can use the social media icons such as Facebook, for an even faster registration process. Now click “sign up” to proceed.

step 5 create your BTC wallet

2. Setup your 4 digit pin code

You will now need to set a personal pin for added security. It is important that this is something that you can remember. I recommend that you write this down somewhere and have it a place you can find it again if need be.

step 6 four digit security pin

3. Your Bitcoin Wallet Addres is Created

Your Bitcoin wallet has now been created! If you are in the process of buying your Bitcoins from Changelly with a visa debit or credit card, you should keep this tab open. To proceed with the next step, to start buying Bitcoins with a credit card on Changelly, click here to go to the next step.

Step 7 - Your BTC Wallet has been created

Your Changelly and Bitcoin Wallet (address) accounts have now been created.

Click HERE for a guide on how to buy Bitcoin with a Credit Card on Changelly.

CEX brand icon crypto exchange

How to Create an Account at CEX

Bitcoin Exchange Tutorial

First, you must go to CEX by clicking here. Once you are there, you will see a white “REGISTER” button at the top right side of their website. Click this to continue.

Step 1 - click Register

2. Insert Email and Password

On this page, you will be asked to fill out your email address and your desired password. As is becoming more of a standard, they also allow you to use your social media accounts such as Facebook or Twitter to register with and login with for next time.

For increased security, we recommend you go with your email address and personalized password instead.

Step 2 - fill out registration details

3. Click "Proceed"

Here simply click the blue “PROCEED” button to continue.

Step 3 - Confirm your email address

4. Check Your Email Inbox and Confirm Your Email Address

You will now have received a confirmation email that you need to open and click the link inside of or copy and paste the confirmation code that you see.

Step 4 - Insert your email confirmation code you received

5. Click "Proceed"

Your email account has now been verified. Click “Proceed” to continue the registration process at CEX.

Step 5 - Your email is now confirmed

6. Insert & Verify Your Phone Number

For security reasons, CEX also requires your mobile number to be confirmed. This will give you the added option later to use your mobile for logging in, meaning your security is much improved, as you will need your email, your physical phone, and your password.

Step 6 - Insert your phone number

7. Select Your Phone Confirmation Option

CEX will now ask you how you want to confirm your phone number. We recommend selecting SMS as it is much, much easier.

Step 7 - Choose your Confirmation Method by Phone

8. Insert Your Confirmation SMS Code Received

Simply insert the number you just received on SMS from CEX into the form here below and click “Submit”.

Step 8 - wait for the confirmation message if SMS

9. Click "Ok" To Continue

Your phone number is now verified. Click “Ok” to continue.

Step 9 - Phone Number Verified

Your Account Has Now Been Created

For the next step CEX will need to verify your ID. This only takes a moment. We cover this in our next guide on “How to buy Bitcoin with a credit card on CEX”. Click here to proceed to this “how-to” tutorial.

How to Buy Bitcoin With a Credit Card

Coinbase Simple Logo

How to buy Bitcoin on Coinbase with Credit Card

Bitcoin Exchange Tutorial

1. Click "Add a Payment Method"

Now that you have your Coinbase account (If you do not have an account, and you need help on the process, please click here to see our guide on how to set up your Coinbase account), you will be instantly met with a pop-up informing you of your deposit and withdrawal options for fiat (i.e. USD / EUR for instance).

In case you do not have this triggered popup, simply scroll to the bottom of the Coinbase website and click where it says “Add a payment method”, in the bottom right corner of the site.

Step 0 - how to create your coinbase account - add a payment method

2. Click "Credit/Debit Card"

Next, hit the “Credit/Debit Card” option to add your credit card to start buying Bitcoin.

Step 1 - Add Payment Method

3. Add your Address

Fill out your address, the one that is tied to your credit card or debit card. Once filled out, proceed by clicking the blue button “Add Billing Address”.

Step 2 - Add your Credit Card details

4. Add your Credit Card Information

Here, you’ll be asked to fill out your credit card details. Once you have done so click the “Add Card” blue button to finalize the setup.

Step 3 - Add Your Credit Card

5. Click "Trade" to buy Bitcoin with your Credit or Debit Card

Your Credit Card or Debit Card is now added to your Coinbase Account.

Now to start buying Bitcoin, simply click the “Trade” button in the top right corner of the Coinbase website.

Step 0 - how to create your coinbase account - add a payment method

6. Define How Much You Want to Spend

Define how much you would like to spend in your currency. You can click the two arrows next to your amount field, to see how much of a Bitcoin you will be getting when you make this purchase. You can of course, also simply define how many Bitcoins here you would like to buy instead if you prefer that.

Click the “Preview purchase” to proceed.

Step 4 - buy bitcoin

7. Click "Buy Now" to finalise Your Bitcoin buy

You are now ready to finally starting owning your own Bitcoin. Simply click “Buy now” to complete your investment or transaction, and your Bitcoin(s) will instantly be added to your Coinbase account.

Step 5 - preview purchase


You are now the proud owner of your first Bitcoin(s)!

Changelly Crypto Credit Card Exchange

How to buy Bitcoin with a Credit Card on Changelly

Bitcoin Exchange Tutorial

Now that you have your own Changelly Bitcoin account and your own Bitcoin wallet account, you are just a few steps away from buying Bitcoins with a Credit Card on Changelly. 

Go back to the site where you created your Bitcoin address. Click BTC on the left hand menu and copy the Bitcoin address that appears in the middle of the screen below.

step 9 your bitcoin wallet address

Now that you have copied your Bitcoin wallet address head on back to Changelly again. You can also click here to go to Changelly again. Simply insert/paste your copied Bitcoin address into the Bitcoin Address field on Changelly. Here you will of course also need to define how much money you want to invest into Bitcoin.

step 4 Insert your BTC address

3. Add your Personal & Credit Card Details

From here, you just need to fill out your personal details and credit card information, and click the “PAY NOW” button at the bottom of the site and you will be the proud owner of your own Bitcoin!

Step 10 - Changelly - Complete your Bitcoin Purchase


You are now the proud owner of your own Bitcoin!

CEX brand icon crypto exchange

How to Buy Bitcoin with a Credit Card on CEX

Bitcoin Exchange Tutorial

1. Fill Out Your Credit Card or Debit Card Information

If you completed the “How to Register an Account with CEX” section above, you will see the following screen. Simply fill out your Card Number, Name as it appears on your card and your expiration date (expiry date). Then click “Proceed”. Remember, you can use a Credit Card or Debit Card to buy bitcoins on CEX, it does not matter if it is VISA or Mastercard, both will work just fine.

If you are new and you have not followed that guide on how to setup your CEX account, then you will need to click here to go to CEX to start.

Step 1 - Verify your account

2. Upload Your ID For Verification

Verification is very common today. As CEX is a registered exchange, they are required to verify their customers in order to prevent money laundering.

To complete your purchase, simply upload your Passport, ID Card or Driving License for Verification. If you Upload your Passport, there is no need to upload both sides, I only uploaded 1 side and that worked beautifully.

You will also need to upload an image of you holding your chosen ID, so they can confirm it is yours.

Step 2 - Verify your Identity (ID)

3. Select Amount and Proceed

You are almost there! If you have not selected the amount yet, go ahead and check how much money you want to invest, or alternatively select how many Bitcoins you want to buy and it will update the field of fiat (euro in this case) to the right of it all automatically.

Step 3 - Your Card is verified to buy bitcoin with now


You now own your own Bitcoin!

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