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How To Buy NFTs With Credit Card: Top 5 Platforms

The accessibility of NFTs is expanding. Thus, making it easier for a wider audience to participate in trading and collecting these unique digital assets. A growing trend and question in the NFT space are how to buy NFTs with credit card, similar to traditional online transactions.

This article explores the concept of buying NFTs with credit cards. Moreover, highlighting the advantages it offers and discussing popular solution providers in the market. Discover how this approach simplifies the NFT purchasing process and attracts a broader range of individuals interested in owning NFTs.

How to Buy NFTs with Credit Cards

Buying NFTs with credit cards can be achieved through different methods. Let’s explore two common approaches:

Using Credit Cards to Buy Cryptocurrencies

One method involves using a credit card to add funds to your crypto wallet. This allows for greater flexibility in purchasing NFTs, especially when you don’t have enough cryptocurrency in your wallet. For example, if you want to buy an NFT priced at 4 SOL but only have 3 SOL, you can top up your NFT wallet with your credit card to complete the purchase.

Directly Purchasing NFTs with Credit Cards

Another method involves paying for NFTs directly with your credit card. If a collectible is priced at 500 MATIC (around $825), the entire amount can be deducted from your credit card. In this case, an on-ramp solution provider converts the fiat amount to the corresponding cryptocurrency value. It’s important to note that buying NFTs with credit cards typically incurs an exchange fee for the fiat-to-crypto conversion. Additionally, it requires compliance with Know Your Customer (KYC) requirements.

Solution Providers for Buying NFTs with Credit Cards

Several solution providers cater to NFT enthusiasts looking to purchase NFTs with credit cards. Let’s explore a few of them:


The platform offers a user-friendly NFT checkout experience, allowing marketplaces and creators to enhance user convenience by accepting credit card payments. MoonPay supports multiple blockchain networks, including Tezos, Flow, and Polygon. They enable purchases through various payment options such as Google Pay, Samsung Pay, Wire Transfers, Apple Pay, Open Banking, MasterCard, and Visa.


Stripe, known for facilitating cross-border FinTech payments, provides on-ramp infrastructure for NFT marketplaces, brands, and creators. Their fiat payment API solution enables NFT collectors from over 180 countries to purchase NFTs with credit cards in approximately 135 fiat currencies.


The platform has partnered with SpaceSeven, a Concordium-based NFT marketplace, to enable customers to buy NFTs using their credit cards. Switchere supports payment options like MasterCard, Sepa, Visa, Sofort, and Maestro. Additionally, Switchere facilitates on-ramp transactions for popular crypto assets used in the NFT market.


Wert offers a top-up module or API that enhances fiat-to-crypto transactions on NFT websites or marketplaces. They cater to platforms like Kalamint, Angle Protocol, and Mintable while ensuring compliance through KYC tasks, including address details, bank information, ID images, and selfies.


Winter, co-founded by Laila Chima and Michael Luo, is an on-ramp solution provider. They offer a checkout widget that simplifies fiat-to-crypto transactions and supports payment via credit cards and bank accounts. While Winter currently supports Ethereum, Polygon, and Solana, they plan to add more blockchain networks in the future.

Advantages of Buying NFTs with Fiat

Purchasing NFTs with fiat currency offers several advantages, such as:

Stability and Predictability

Buying NFTs with fiat currencies bypasses the unpredictable price fluctuations commonly associated with crypto assets. This stability provides a more secure and predictable environment for NFT purchases, reducing the risk of potential value swings.

Appeal to Non-Crypto Natives

The option to buy NFTs with a credit card provides a more accessible method for individuals who are unfamiliar with the crypto world. Leveraging the familiarity of credit card usage, this approach appeals to a larger audience and encourages participation in the NFT market.

Streamlined Buying Experience

By using fiat payment to purchase NFTs, there is no need to register accounts on crypto exchanges or navigate the process of transferring cryptocurrencies to wallets. This eliminates associated fees, simplifying the overall buying experience.

Avoidance of Gas Fees

When purchasing NFTs with fiat currency, there is no need to deal with fluctuating gas fees, which can be substantial on certain blockchain networks. By bypassing gas fees, buying NFTs becomes a more cost-effective option.


The ability to buy NFTs with credit cards simplifies the purchasing process and opens up the NFT landscape to a broader audience. By incorporating the familiarity of credit card transactions, this approach appeals to individuals who may have been hesitant to enter the world of cryptocurrencies. The convenience and accessibility provided by buying NFTs with credit cards contribute to the continued growth and adoption of NFTs, benefiting creators, collectors, and the NFT ecosystem as a whole.