How to Buy Bitcoin With Credit Card (2021)

Finding places to buy Bitcoin (BTC) in the UK with a credit card at decent rates used to be difficult.

But in 2021, it’s easier and cheaper than ever before. The same is true if you’re considering buying Bitcoin (BTC) with a debit card or UK bank transfer. There are more places than ever to choose between.

In this quick guide, I’ll cover some of the best places (that I know about) to buy bitcoin with a credit card in the UK.

Here’s a quick look at the places we’re going to talk about:

Remember: I’m not a financial advisor. Read my full disclaimer for more information.

Should You Use a Credit Card to Buy Bitcoin (BTC)?

Even though you’ve come to this post looking for places to buy Bitcoin (BTC) with a credit card, I would caution you against using one to buy Bitcoin (BTC) or any other cryptocurrency.

This is because Mastercard changed the Merchant Category Code (MCC) for cryptocurrency purchases at the start of 2018.

The bottom line is that the credit card issuer will consider any purchase of Bitcoin (BTC) or cryptocurrency as a cash advance.

Why does this matter?

  • Cash advances aren’t usually included in promotional offers (i.e. 0% purchase cards).
  • You’ll probably be charged a higher-than-normal interest rate.
  • Interest will usually start to be charged immediately on a cash advance (there’s no grace period).
  • You’ll likely need to pay a cash advance fee (usually more than 3% of the total amount).

Together, this makes buying Bitcoin (BTC) with a credit card more expensive than other payment methods.

Best Ways to Buy Bitcoin With Credit Card

#1: seems like one of the best places to buy Bitcoin (BTC) in the UK.

Unlike some other places, it doesn’t hide any fees in the BTC to GBP exchange rate. If you’re from the UK, you’ll just need to pay a fee of 1.49% when you buy Bitcoin (BTC) with a credit card. supports more than 80 other cryptocurrencies too – which includes Ethereum (ETH), Ripple (XRP), and many more popular cryptocurrencies. You’ll be charged the real exchange rate and the same 1.49% fee if you buy these using a credit card.

But this is more than just a good place to buy cryptocurrencies. They also have one of the best bitcoin debit cards that’s out there, allow you to earn interest on your cryptocurrency, and you can get up to 10% cashback when you buy gift cards for popular brands.

Find out more in my review, or click the link below to download the app and check it out yourself.

Download App Now

#2: Wirex

Wirex Logo (Trimmed)

Wirex isn’t as great as it used to be.

However, it still allows you to buy Bitcoin (BTC) and other cryptocurrencies with a credit card at competitive rates.

In total, you’ll be charged about 2.5% in fees when you buy Bitcoin (BTC) with a credit card. This includes a hidden fee in the exchange rate of about 1.5% and another 1% fee.

In addition to Bitcoin (BTC), you can also buy the following cryptocurrencies with a credit card on Wirex:

  • Ethereum (ETH)
  • Litecoin (LTC)
  • Ripple (XRP)
  • Waves (WAVES)
  • Wollo (WLO)
  • Dai (DAI)
  • Nano (NANO)
  • Stellar (XLM)
  • Wirex Token (WRX)

Wirex is fully supported in 37 countries, which includes the UK and Europe.

Like, Wirex has a cryptocurrency debit card. However, you don’t need to order a Wirex Card in order to buy cryptocurrency using its platform. But if you don’t get one, you will have a more limited experience on this platform.

I think the interface sucks, but it’s easy enough to navigate around – especially on the mobile app.

Full Wirex ReviewGet Started Now

#3: Luno

Luno is probably one of the most beginner-friendly places where you could buy Bitcoin (BTC) in the UK.

The mobile app is smooth, simplistic, and easy to use.

If you buy Bitcoin (BTC) or any other cryptocurrency with a credit card on Luno, you’ll pay a 3.5% fee. When I checked, there were no fees hidden in the exchange rate.

Luno doesn’t support many cryptocurrencies. The full list includes just:

  • Bitcoin (BTC)
  • Bitcoin Cash (BCH)
  • Ethereum (ETH)
  • Ripple (XRP)
  • Litecoin (LTC)

Regardless, Luno seems perfect for beginners. Verification was almost instantly sorted for me.

Luno ReviewLuno Website

#4: Coinbase

Coinbase Twitter header

Coinbase is the easiest, quickest, and very popular way to buy bitcoin (BTC) in the UK.

You can also buy Bitcoin Cash (BCH), Ethereum (ETH), Ethereum Classic (ETC), and Litecoin (LTC) with a credit card on Coinbase.

Some fun facts about Coinbase:

Coinbase charges a fee of 3.99% when buying cryptocurrency with a credit card. However, you’ll be charged higher fees if buy less than about £75 in a single purchase.

Getting started with Coinbase in simple. Expand the sections below if you need help.

Create an account and verify your ID

Head over to Coinbase and make an account.

Coinbase guides you through the whole process. You shouldn’t have much of a problem, and it won’t take long to get started.


  • Signup using the (full) name and address on your ID.
  • If you have any issues with identify verification, check out this post.

(GUIDE) Buy bitcoin on Coinbase

Follow these steps.

Login and select ‘Buy/Sell’ at the top of the page.

Select Bitcoin.

Select either:

  • How much you want to buy in local currency (e.g., pounds) OR
  • How much you want to buy in bitcoin (BTC).

When you enter a number into one box, it will update the other.

You CAN purchase less than 1 Bitcoin!

On the right-hand side of the page, you’ll see details of the purchase.

When you’re happy with the quoted price, click ‘Buy Bitcoin Instantly’ on the left side of the page.

  • It’ll ask you to confirm the purchase.
  • Check the details and press ‘Confirm Buy’ when you’re ready.

You’re done! Congratulations!

You now own some bitcoin (BTC)!

Other UK Options

Here are some other options:

Buy Bitcoin Cheaply in the UK

Want to buy bitcoin as CHEAPLY as possible in the UK?

I’ve reviewed about a dozen of the best ways to buy bitcoin in the UK.

Check it out to find out more about the UK marketplace.

Need help with something?

Thanks for reading this guide to buying Bitcoin (BTC) with a credit card!

Got a question about any of these options? Or have an opinion you want to share?

Comment below and let me know!


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