Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Purchase Monero with A Credit Card?

Yes, you can buy Monero with a credit card on many cryptocurrency exchanges.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

Yes, purchasing Monero with a credit card is possible, though it often requires the extra step of first buying a different cryptocurrency and then swapping it for XMR.

More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Should You Purchase Monero With A Credit Card?

Deciding to use a credit card involves weighing the advantages against potential drawbacks.

Benefits

  • Speed and Convenience: Purchases are typically processed instantly, allowing for quick acquisition of Monero.
  • Rewards Programs: You may earn rewards such as cashback or points on your purchase.
  • Purchase Protection: Credit cards often provide fraud protection, adding a layer of security to transactions.

Costs

  • Higher Fees: Both exchanges and card issuers may charge significant fees for cryptocurrency purchases.
  • Cash Advance Treatment: Some providers treat crypto purchases as cash advances, incurring higher interest rates and fees.
  • Limited Acceptance: Not all cryptocurrency exchanges accept credit cards as a payment method.
An icon of a lightbulb
Kudos Tip
More:

How to Purchase Monero With A Credit Card

Buying Monero with a credit card offers speed and convenience. This guide outlines the key steps to navigate the process securely, from selecting a platform to storing your new XMR.

  1. Select a Reputable Crypto Exchange: Your first step is finding a platform that both supports credit card purchases and lists Monero (XMR). Research exchanges for their security measures, fees, and regional availability before creating an account.
  2. Choose the Right Credit Card: Not all credit cards are ideal for buying crypto. Some issuers may block transactions or treat them as cash advances, incurring high fees and interest. Use a resource like the Kudos' Explore Cards tool to compare options.
  3. Complete Identity Verification (KYC): To use a credit card, you will likely need to complete a Know Your Customer (KYC) process. This typically involves submitting a government-issued ID and proof of address to comply with financial regulations.
  4. Execute the Purchase and Secure Your Coins: Once verified, you can proceed with the purchase. After buying your Monero, it is crucial to withdraw it from the exchange to a private, non-custodial Monero wallet that you control for maximum security.
More:

Impact On Your Credit Score

When you purchase Monero with a credit card, there are several potential effects on your credit score to keep in mind. Consider the following factors before proceeding with your transaction.

  • Credit Utilization Ratio. A large purchase can increase your credit utilization ratio, a key factor in your score. Lenders prefer to see this ratio below 30% to maintain a healthy credit profile.
  • Cash Advance Treatment. Some issuers treat crypto purchases as cash advances, which often have higher interest rates and fees. This can increase the total cost and may be viewed differently by credit bureaus.
  • Payment History. A large purchase results in a larger bill. While timely payments can help your score, any missed payments will have a significant negative impact on your credit history.

Alternative Ways To Purchase Monero

Peer-to-Peer Trading

For those looking to bypass traditional exchanges and credit card payments, peer-to-peer (P2P) platforms offer a direct route. These services connect buyers and sellers, enabling transactions through various methods like bank transfers, cash deposits, or other digital payment systems. This approach can enhance privacy and provide more flexibility in how you acquire Monero, as you negotiate terms directly with another individual.

Swapping Other Cryptocurrencies

Another common strategy involves purchasing a more widely available cryptocurrency, such as Bitcoin (BTC) or Ethereum (ETH), from a standard exchange. Once acquired, you can use a non-custodial swap service or a decentralized exchange (DEX) to convert your holdings into Monero (XMR). This two-step process provides an effective alternative when direct fiat-to-XMR purchasing options are limited or undesirable.

Choose the Right Card to Purchase Monero

With over 3,000 credit cards available, choosing one to purchase Monero can be overwhelming. The best approach is to find a card that matches your personal spending habits to maximize your rewards and minimize fees. The Kudos Explore Tool helps you cut through the noise with personalized recommendations, allowing you to compare up to three cards side-by-side. You can find your credit card match and make a confident choice.

If you want to get more from your credit cards, Kudos is the top free shopping assistant to use when you shop online. We're also giving users $20 back after their first eligible purchase at a Boost merchant when you sign-up for free with code “GET20”.

Frequently Asked Questions

What are the fees for buying Monero with a credit card?

Fees typically include the exchange's transaction fee and potential cash advance fees from your credit card provider.

Is it safe to buy Monero with a credit card?

Yes, if you use a reputable exchange with robust security. Always enable two-factor authentication for added protection.

Are there purchase limits when using a credit card?

Yes, most platforms have daily, weekly, or monthly limits that often depend on your account's verification level.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Purchase Monero with A Credit Card?

Yes, you can buy Monero with a credit card on many cryptocurrency exchanges.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

Yes, purchasing Monero with a credit card is possible, though it often requires the extra step of first buying a different cryptocurrency and then swapping it for XMR.

More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Should You Purchase Monero With A Credit Card?

Deciding to use a credit card involves weighing the advantages against potential drawbacks.

Benefits

  • Speed and Convenience: Purchases are typically processed instantly, allowing for quick acquisition of Monero.
  • Rewards Programs: You may earn rewards such as cashback or points on your purchase.
  • Purchase Protection: Credit cards often provide fraud protection, adding a layer of security to transactions.

Costs

  • Higher Fees: Both exchanges and card issuers may charge significant fees for cryptocurrency purchases.
  • Cash Advance Treatment: Some providers treat crypto purchases as cash advances, incurring higher interest rates and fees.
  • Limited Acceptance: Not all cryptocurrency exchanges accept credit cards as a payment method.
An icon of a lightbulb
Kudos Tip
More:

How to Purchase Monero With A Credit Card

Buying Monero with a credit card offers speed and convenience. This guide outlines the key steps to navigate the process securely, from selecting a platform to storing your new XMR.

  1. Select a Reputable Crypto Exchange: Your first step is finding a platform that both supports credit card purchases and lists Monero (XMR). Research exchanges for their security measures, fees, and regional availability before creating an account.
  2. Choose the Right Credit Card: Not all credit cards are ideal for buying crypto. Some issuers may block transactions or treat them as cash advances, incurring high fees and interest. Use a resource like the Kudos' Explore Cards tool to compare options.
  3. Complete Identity Verification (KYC): To use a credit card, you will likely need to complete a Know Your Customer (KYC) process. This typically involves submitting a government-issued ID and proof of address to comply with financial regulations.
  4. Execute the Purchase and Secure Your Coins: Once verified, you can proceed with the purchase. After buying your Monero, it is crucial to withdraw it from the exchange to a private, non-custodial Monero wallet that you control for maximum security.
More:

Impact On Your Credit Score

When you purchase Monero with a credit card, there are several potential effects on your credit score to keep in mind. Consider the following factors before proceeding with your transaction.

  • Credit Utilization Ratio. A large purchase can increase your credit utilization ratio, a key factor in your score. Lenders prefer to see this ratio below 30% to maintain a healthy credit profile.
  • Cash Advance Treatment. Some issuers treat crypto purchases as cash advances, which often have higher interest rates and fees. This can increase the total cost and may be viewed differently by credit bureaus.
  • Payment History. A large purchase results in a larger bill. While timely payments can help your score, any missed payments will have a significant negative impact on your credit history.

Alternative Ways To Purchase Monero

Peer-to-Peer Trading

For those looking to bypass traditional exchanges and credit card payments, peer-to-peer (P2P) platforms offer a direct route. These services connect buyers and sellers, enabling transactions through various methods like bank transfers, cash deposits, or other digital payment systems. This approach can enhance privacy and provide more flexibility in how you acquire Monero, as you negotiate terms directly with another individual.

Swapping Other Cryptocurrencies

Another common strategy involves purchasing a more widely available cryptocurrency, such as Bitcoin (BTC) or Ethereum (ETH), from a standard exchange. Once acquired, you can use a non-custodial swap service or a decentralized exchange (DEX) to convert your holdings into Monero (XMR). This two-step process provides an effective alternative when direct fiat-to-XMR purchasing options are limited or undesirable.

Choose the Right Card to Purchase Monero

With over 3,000 credit cards available, choosing one to purchase Monero can be overwhelming. The best approach is to find a card that matches your personal spending habits to maximize your rewards and minimize fees. The Kudos Explore Tool helps you cut through the noise with personalized recommendations, allowing you to compare up to three cards side-by-side. You can find your credit card match and make a confident choice.

If you want to get more from your credit cards, Kudos is the top free shopping assistant to use when you shop online. We're also giving users $20 back after their first eligible purchase at a Boost merchant when you sign-up for free with code “GET20”.

Frequently Asked Questions

What are the fees for buying Monero with a credit card?

Fees typically include the exchange's transaction fee and potential cash advance fees from your credit card provider.

Is it safe to buy Monero with a credit card?

Yes, if you use a reputable exchange with robust security. Always enable two-factor authentication for added protection.

Are there purchase limits when using a credit card?

Yes, most platforms have daily, weekly, or monthly limits that often depend on your account's verification level.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Purchase Monero with A Credit Card?

Yes, you can buy Monero with a credit card on many cryptocurrency exchanges.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

Yes, purchasing Monero with a credit card is possible, though it often requires the extra step of first buying a different cryptocurrency and then swapping it for XMR.

More:

Should You Purchase Monero With A Credit Card?

Deciding to use a credit card involves weighing the advantages against potential drawbacks.

Benefits

  • Speed and Convenience: Purchases are typically processed instantly, allowing for quick acquisition of Monero.
  • Rewards Programs: You may earn rewards such as cashback or points on your purchase.
  • Purchase Protection: Credit cards often provide fraud protection, adding a layer of security to transactions.

Costs

  • Higher Fees: Both exchanges and card issuers may charge significant fees for cryptocurrency purchases.
  • Cash Advance Treatment: Some providers treat crypto purchases as cash advances, incurring higher interest rates and fees.
  • Limited Acceptance: Not all cryptocurrency exchanges accept credit cards as a payment method.
An icon of a lightbulb
Kudos Tip
More:

How to Purchase Monero With A Credit Card

Buying Monero with a credit card offers speed and convenience. This guide outlines the key steps to navigate the process securely, from selecting a platform to storing your new XMR.

  1. Select a Reputable Crypto Exchange: Your first step is finding a platform that both supports credit card purchases and lists Monero (XMR). Research exchanges for their security measures, fees, and regional availability before creating an account.
  2. Choose the Right Credit Card: Not all credit cards are ideal for buying crypto. Some issuers may block transactions or treat them as cash advances, incurring high fees and interest. Use a resource like the Kudos' Explore Cards tool to compare options.
  3. Complete Identity Verification (KYC): To use a credit card, you will likely need to complete a Know Your Customer (KYC) process. This typically involves submitting a government-issued ID and proof of address to comply with financial regulations.
  4. Execute the Purchase and Secure Your Coins: Once verified, you can proceed with the purchase. After buying your Monero, it is crucial to withdraw it from the exchange to a private, non-custodial Monero wallet that you control for maximum security.
More:

Impact On Your Credit Score

When you purchase Monero with a credit card, there are several potential effects on your credit score to keep in mind. Consider the following factors before proceeding with your transaction.

  • Credit Utilization Ratio. A large purchase can increase your credit utilization ratio, a key factor in your score. Lenders prefer to see this ratio below 30% to maintain a healthy credit profile.
  • Cash Advance Treatment. Some issuers treat crypto purchases as cash advances, which often have higher interest rates and fees. This can increase the total cost and may be viewed differently by credit bureaus.
  • Payment History. A large purchase results in a larger bill. While timely payments can help your score, any missed payments will have a significant negative impact on your credit history.

Alternative Ways To Purchase Monero

Peer-to-Peer Trading

For those looking to bypass traditional exchanges and credit card payments, peer-to-peer (P2P) platforms offer a direct route. These services connect buyers and sellers, enabling transactions through various methods like bank transfers, cash deposits, or other digital payment systems. This approach can enhance privacy and provide more flexibility in how you acquire Monero, as you negotiate terms directly with another individual.

Swapping Other Cryptocurrencies

Another common strategy involves purchasing a more widely available cryptocurrency, such as Bitcoin (BTC) or Ethereum (ETH), from a standard exchange. Once acquired, you can use a non-custodial swap service or a decentralized exchange (DEX) to convert your holdings into Monero (XMR). This two-step process provides an effective alternative when direct fiat-to-XMR purchasing options are limited or undesirable.

Choose the Right Card to Purchase Monero

With over 3,000 credit cards available, choosing one to purchase Monero can be overwhelming. The best approach is to find a card that matches your personal spending habits to maximize your rewards and minimize fees. The Kudos Explore Tool helps you cut through the noise with personalized recommendations, allowing you to compare up to three cards side-by-side. You can find your credit card match and make a confident choice.

If you want to get more from your credit cards, Kudos is the top free shopping assistant to use when you shop online. We're also giving users $20 back after their first eligible purchase at a Boost merchant when you sign-up for free with code “GET20”.

Frequently Asked Questions

What are the fees for buying Monero with a credit card?

Fees typically include the exchange's transaction fee and potential cash advance fees from your credit card provider.

Is it safe to buy Monero with a credit card?

Yes, if you use a reputable exchange with robust security. Always enable two-factor authentication for added protection.

Are there purchase limits when using a credit card?

Yes, most platforms have daily, weekly, or monthly limits that often depend on your account's verification level.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Purchase Monero with A Credit Card?

Yes, you can buy Monero with a credit card on many cryptocurrency exchanges.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

Yes, purchasing Monero with a credit card is possible, though it often requires the extra step of first buying a different cryptocurrency and then swapping it for XMR.

More:

Should You Purchase Monero With A Credit Card?

Deciding to use a credit card involves weighing the advantages against potential drawbacks.

Benefits

  • Speed and Convenience: Purchases are typically processed instantly, allowing for quick acquisition of Monero.
  • Rewards Programs: You may earn rewards such as cashback or points on your purchase.
  • Purchase Protection: Credit cards often provide fraud protection, adding a layer of security to transactions.

Costs

  • Higher Fees: Both exchanges and card issuers may charge significant fees for cryptocurrency purchases.
  • Cash Advance Treatment: Some providers treat crypto purchases as cash advances, incurring higher interest rates and fees.
  • Limited Acceptance: Not all cryptocurrency exchanges accept credit cards as a payment method.
An icon of a lightbulb
Kudos Tip
More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

How to Purchase Monero With A Credit Card

Buying Monero with a credit card offers speed and convenience. This guide outlines the key steps to navigate the process securely, from selecting a platform to storing your new XMR.

  1. Select a Reputable Crypto Exchange: Your first step is finding a platform that both supports credit card purchases and lists Monero (XMR). Research exchanges for their security measures, fees, and regional availability before creating an account.
  2. Choose the Right Credit Card: Not all credit cards are ideal for buying crypto. Some issuers may block transactions or treat them as cash advances, incurring high fees and interest. Use a resource like the Kudos' Explore Cards tool to compare options.
  3. Complete Identity Verification (KYC): To use a credit card, you will likely need to complete a Know Your Customer (KYC) process. This typically involves submitting a government-issued ID and proof of address to comply with financial regulations.
  4. Execute the Purchase and Secure Your Coins: Once verified, you can proceed with the purchase. After buying your Monero, it is crucial to withdraw it from the exchange to a private, non-custodial Monero wallet that you control for maximum security.
More:

Impact On Your Credit Score

When you purchase Monero with a credit card, there are several potential effects on your credit score to keep in mind. Consider the following factors before proceeding with your transaction.

  • Credit Utilization Ratio. A large purchase can increase your credit utilization ratio, a key factor in your score. Lenders prefer to see this ratio below 30% to maintain a healthy credit profile.
  • Cash Advance Treatment. Some issuers treat crypto purchases as cash advances, which often have higher interest rates and fees. This can increase the total cost and may be viewed differently by credit bureaus.
  • Payment History. A large purchase results in a larger bill. While timely payments can help your score, any missed payments will have a significant negative impact on your credit history.

Alternative Ways To Purchase Monero

Peer-to-Peer Trading

For those looking to bypass traditional exchanges and credit card payments, peer-to-peer (P2P) platforms offer a direct route. These services connect buyers and sellers, enabling transactions through various methods like bank transfers, cash deposits, or other digital payment systems. This approach can enhance privacy and provide more flexibility in how you acquire Monero, as you negotiate terms directly with another individual.

Swapping Other Cryptocurrencies

Another common strategy involves purchasing a more widely available cryptocurrency, such as Bitcoin (BTC) or Ethereum (ETH), from a standard exchange. Once acquired, you can use a non-custodial swap service or a decentralized exchange (DEX) to convert your holdings into Monero (XMR). This two-step process provides an effective alternative when direct fiat-to-XMR purchasing options are limited or undesirable.

Choose the Right Card to Purchase Monero

With over 3,000 credit cards available, choosing one to purchase Monero can be overwhelming. The best approach is to find a card that matches your personal spending habits to maximize your rewards and minimize fees. The Kudos Explore Tool helps you cut through the noise with personalized recommendations, allowing you to compare up to three cards side-by-side. You can find your credit card match and make a confident choice.

If you want to get more from your credit cards, Kudos is the top free shopping assistant to use when you shop online. We're also giving users $20 back after their first eligible purchase at a Boost merchant when you sign-up for free with code “GET20”.

Frequently Asked Questions

What are the fees for buying Monero with a credit card?

Fees typically include the exchange's transaction fee and potential cash advance fees from your credit card provider.

Is it safe to buy Monero with a credit card?

Yes, if you use a reputable exchange with robust security. Always enable two-factor authentication for added protection.

Are there purchase limits when using a credit card?

Yes, most platforms have daily, weekly, or monthly limits that often depend on your account's verification level.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
No items found.