Which Crypto Exchange Accepts Credit Card with Lowest Fee?

Buy Cryptocurrencies with credit card

This guide will compare different exchanges that accept credit cards, with regards to what fee they charge for the service.

We shall review platforms like Coinbase, Coinmama, Bitpanda, and more in terms of verification, credit card fees, and countries that have the access to bank card purchases.

When you are about to buy cryptocurrencies, speed is sometimes crucial as the fluctuations of the value happen in minutes, rather than days. 

Thus you, as a trader, would need an effective payment or deposit method that can be conducted instantly. Credit cards are one of the best options out there as they are secure and fast.

However, compared to bank transfer or SEPA, a credit card usually is an expensive way to buy cryptocurrency. That´s why it’s so important to find the crypto exchange that accepts credit card with the lowest fee.

Why are Credit Cards Popular?

The very first reason is that you have enhanced security features when purchasing coins using credit cards. 

Visa developed 3D secure while MasterCard has SecureCode, both protecting the buyer in several ways. 

The merchants need to wait up to 10 minutes to receive the payments. Thus, you as a user have dedicated time left to cancel out the order.

You are also protected from attacks coming in from the third party, as you need to provide unique codes generated through your phone in transactions. 

Lastly, transfers made by credit cards are really fast when compare to other methods. It takes up to 15 minutes for payment to be processed, much faster than bank transfers, which can take up to five days.

Exchanges that Accept the Credit Card

In this article, we go through seven top cryptocurrency exchanges that accept credit card payments from their users. 

The platforms are evaluated in terms of the verification requirements, credit card fees, regional availability and fiat currency coverage.

These platforms are Coinbase, Coinmama, BitPanda, CEX.io, and Bitstamp.

Coinbase Credit card Fee

Coinbase is one of the largest crypto exchanges, especially for US customers. 

The platform is very user-friendly and easy to start with. However, their credit card fee is quite high-

Their services are available for 32 countries only but do offer credit card purchases for a fee of 3.99%. The payment process is quite simple. You need to provide your credit card’s details and set volume of BTC, as shown below.

Read our Coinbase review for a complete guide on the crypto exchange with pros and cons.

Buy Cryptocurrencies with credit card coinbase

Apart from credit card verification, you have to provide scanned ID and proof of address prior to the trade. Thus, the crypto exchange does not offer privacy when buying currencies. Y

ou can purchase bitcoins, Ethereum, and Litecoin at Coinbase. Accepted fiat currencies are USD, EUR, and GBP.

Read our full, step-by-step guide, on how to buy Bitcoin on Coinbase with credit card.

Coinmama Credit Card Fee

Coinmama is one of those cryptocurrency platforms that accept only credit cards as the payment method. Traders from around the world can register an account at the crypto exchange. 

The verification is needed for trade to take place as the company follows both KYC and AML policies. You can check out the purchase widget in a picture below.


Buy Cryptocurrencies with credit card coinmama

Much like Coinbase, you have to verify your identity before you can start trading at Coinmama. 

Accepted fiat currencies are USD and EUR while tradable cryptos are BTC and ETH. The fees are a little bit higher than the industry average, as you have to pay 5% for credit card transfers.

BitPanda Credit Card Fee

BitPanda is a European cryptocurrency exchange and wallet that offers several purchase options, credit cards included. 

The payment method is available once the trader achieved Gold level verification, which requires scanned ID and web camera conversation. 

Available cryptos are BTC, ETH, DASH, LTC, and BCH while a fiat currency that you can use is EUR. You can see the available choices in the picture below.

Buy Cryptocurrencies with credit card bitpanda


You need to live in Europe to be able to use the BitPanda’s services. The fees are not shown transparently and our estimate, judging from the industry averages, stands at 5%.

CEX.io Credit Card Fee

CEX.io, being one of the globally available exchanges, became quite popular in the crypto world. 

The platform offers credit card purchases for a fee of 3.5% + $0.25. Although verification is not needed for certain methods, credit cards do come with complete identity check demands.

Once verified, you get $3.000 daily and $20.000 monthly limits. The purchase process is then quite simple, as you have to swap your USD or EUR funds with selected cryptocurrency, as shown below.


Buy Cryptocurrencies with credit card cex

The accepted fiat currencies are USD, EUR, BGP and RUB while crypto coins are BTC, ETH, and BCH.

Bitstamp Credit Card Fee

Bitstamp is a cryptocurrency exchange giant that, apart from bank transfers, accepts credit card deposits as well. 

You need to fully verify your account with a scanned ID and proof of address before you will be allowed to trade.

The credit card would cost you 5% of the transaction value while accepted fiat currencies that you can use are USD and EUR. Cryptos that can be traded at Bitstamp are BTC, ETH, LTC, Ripple, and BCH, as shown below.


Buy Cryptocurrencies with credit card bitstamp

LocalBitcoins Credit Card Fee

LocalBitcoins peer-to-peer exchange offers a single marketplace where traders buy and sell bitcoins between each other. 

The BTC is the only currency being traded while credit card purchase method availability depends on individual sellers. 

While verification is not mandatory, you would do well to work with well-reputable sellers when using credit cards. The fees stand at 1% and service is available globally. The credit card offer is not numerous as another method, as seen in the picture below.


Buy Cryptocurrencies with credit card localbitcoins

which crypto exchange accepts credit card with Lowest fees


We prepared a small table of comparison per exchange to help you decide which platform suits your needs.

From the investigation, we can clearly say that credit cards, although safe, come with verification requirements and high fees. 

Only LocalBitcoins would allow you to get BTC without scanned ID though beware of the scams, as they have been reported in the past.

Also, see our guide on how to buy Bitcoin with a credit card on Binance.

How to get your own Crypto Credit Card?

Several companies are now offering you to get a crypto Visa credit card. Crypto.com is one of all these actors and they also have the best current offer.

There are several loyalty levels and you can increase your rewards by staking more in their native currency, CRO.

We use this CRO Visa credit card ourselves and with 100.000 CRO staked we get

  • 2% extra interest rates on Crypto.com Earn
  • Free Spotify music streaming
  • Free Amazon Prime video streaming
  • Free Netflix video streaming
  • Free Airport lounge access
  • 5% cashback on all purchases (Paid directly in CRO)
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