Cryptocurrency is easier to access than ever before. Whether you’re new to crypto or just looking for a faster way to buy, using your credit card can be a simple solution. In just a few clicks, you can buy popular cryptocurrencies and have them sent straight to your wallet.
In this guide, we’ll walk you through how to buy crypto with a credit card, what to watch out for, and how to get started with a trusted platform like RockItCoin.
How to Choose a Platform
Before you make your first crypto purchase, it’s important to pick the right platform. Not all crypto websites or apps are the same—and some can be confusing, slow, or even unsafe. Here’s what to look for:
1. Ease of Use
Choose a platform with a clean, simple layout. You should be able to sign up, enter your payment details, and buy crypto in just a few steps. Bonus points if it works just as smoothly on mobile.
2. Self-Custody Support
Self-custody means you hold your own crypto in a wallet you control—not the platform. Look for services that allow you to send your crypto directly to your personal wallet. This gives you full control and added security.
With RockItCoin, you get the best of both worlds. The platform is simple to use, supports self-custody, and partners with MoonPay—a trusted global payment solution. That means you can enjoy even more flexibility and reliability when you buy crypto with your credit card.
How to Buy Crypto with a Credit Card
Once you’ve chosen a platform, here’s how the process usually works:
- Visit the Page
Go to our Buy with Card page and enter your name & email. Then, click Get Started. - Enter Your Purchase Amount
You can type in how much money you want to spend or how much crypto you want to buy. Either works! - Provide Your Wallet Address
Paste in your personal crypto wallet address. If you don’t have one, download the RockItCoin app to get started with a secure wallet. - Verify Your Identity
You may need to provide identification information like your driver’s license or SSN. This is required by KYC laws to keep you safe. - Add Your Credit Card Info
Enter your card details. Our platform accepts Visa and Mastercard. You can also buy crypto with PayPal if your card is stored there. - Confirm Your Purchase
Review the fees, double-check your wallet address, and hit confirm. Your crypto will be sent shortly after!
Tips for Buying Crypto Online with a Credit Card
Buying crypto with a credit card is fast, but there are a few things to keep in mind:
- Check with Your Bank: Some banks block crypto transactions or treat them like a cash advance. This can lead to extra fees. Always check your bank’s policy first.
- Be Aware of Fees: Credit card purchases usually come with a transaction fee—anywhere from 3% to 12%.
- Don’t Overcharge Your Card: Keep an eye on your spending. Crypto can be volatile, so never buy more than you can afford to pay off.
- Use a Secure Wallet: Sending your crypto to your own wallet is the safest option. Avoid leaving your coins on an exchange.
Supported Cryptos
Not all platforms offer every coin, but most support the big names. When you buy crypto with a credit card on RockItCoin’s site, you can choose from the following:
Bitcoin (BTC), Tether (USDT), Ethereum (ETH), Litecoin (LTC), Cardano (ADA), Cosmos (ATOM), Avalanche (AVAX), Basic Attention Token (BAT), Bitcoin Cash (BCH), Dai (DAI), Dogecoin (DOGE), Flow (FLOW), Hedera Hashgraph (HBAR), Chainlink (LINK), NEAR (NEAR), Pepe (PEPE), Polygon (POL), Shiba Inu (SHIB), Solana (SOL), Uniswap, (UNI), USD Coin (USDC), Stellar (XLM), XRP (XRP), Tezos (XTZ).
RockItCoin lets you buy all of the above, with your crypto going directly to your personal wallet.
Alternatives to Credit Cards
If your credit card gets declined—or if you’d rather skip the extra fees—here are a few other ways to buy crypto:
- Debit Card: Works just like a credit card, but without potential cash advance fees.
- Apple Pay / Google Pay: Quick and easy to use on your phone.
- Bitcoin ATMs: Use cash to buy Bitcoin at one of thousands of RockItCoin locations across the U.S.
Still want to use your credit card but got denied? Try another card or payment method. Some banks are stricter than others when it comes to crypto.
Get Started with RockItCoin
Ready to make your first crypto purchase? RockItCoin makes it easy.
With RockItCoin, you can buy crypto with a credit card through our trusted partner MoonPay. Just head to the Buy with Card page, choose your crypto, enter your wallet address, and follow the steps. You’ll be up and running in minutes.
Frequently Asked Questions
This article was originally published on September 24th, 2024, and was updated on March 21st, 2025 to reflect the most recent information.
