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!
Can You Purchase Nfts with A Credit Card?
July 1, 2025
Quick Answer
Yes, purchasing NFTs with a credit card is possible on many major marketplaces, which typically use integrated payment processors to convert your funds into the required cryptocurrency for the transaction.
Should You Purchase Nfts With A Credit Card?
Let's weigh the advantages and disadvantages of buying NFTs with your credit card.
Benefits of Using a Credit Card for NFTs
- Convenience: Bypassing the need to acquire cryptocurrency simplifies the purchasing process for newcomers.
- Buyer Protection: Credit card transactions may offer fraud protection and dispute resolution options not typically available with crypto.
- Rewards Programs: Purchases can accumulate points, cashback, or other rewards offered by your card issuer.
Costs of Using a Credit Card for NFTs
- Higher Fees: Expect additional processing fees from the NFT marketplace or payment provider.
- Cash Advance Classification: Some card issuers may categorize the transaction as a cash advance, incurring higher interest rates and fees.
- Limited Availability: Not all NFT platforms or specific digital assets can be purchased with a credit card.
- Custody Issues: The NFT may be held in a custodial wallet by the platform, meaning you do not have direct control of your private keys.
How to Purchase Nfts With A Credit Card
Buying NFTs with a credit card simplifies entry into the digital art world. This guide outlines the key steps to get you started on your collection journey without complex crypto conversions.
- Find a Marketplace That Accepts Cards: Your first step is to identify an NFT marketplace that supports direct credit card payments. While many platforms are crypto-native, a growing number have integrated payment processors like MoonPay or Stripe to facilitate fiat transactions.
- Choose the Right Credit Card: Not all credit cards are ideal for purchasing digital assets. Consider factors like rewards on online spending, foreign transaction fees, and your card issuer's policy on cryptocurrency-related purchases. You can use Kudos' Explore Tool to compare different cards and find one that suits your needs.
- Create an Account and Verify Your Identity: Once you've chosen a marketplace, you'll need to create an account. Most platforms that accept credit cards require a Know Your Customer (KYC) verification process, which typically involves submitting a photo ID.
- Link Your Card and Purchase: After your account is verified, navigate to the wallet or payment settings section to add your credit card details. From there, you can browse the marketplace, select an NFT, and complete the purchase much like any other online transaction.
Impact On Your Credit Score
Using a credit card for NFT purchases can influence your credit score in several ways. It's important to consider the following factors before making a transaction.
- Credit Utilization Ratio. Charging a pricey NFT can significantly increase your credit utilization, a key factor in your score. A higher ratio may negatively impact your score by signaling increased risk to lenders.
- On-Time Payments. Consistently making on-time payments for the NFT purchase can positively influence your payment history. This demonstrates responsible credit management and helps build a stronger credit profile over time.
- Cash Advance Treatment. Some issuers treat NFT purchases as cash advances, which carry higher interest rates and fees. This makes the purchase more expensive and can potentially harm your score if not paid off quickly.
Alternative Ways To Purchase Nfts
Direct Cryptocurrency Payments
Most NFT transactions are conducted directly with cryptocurrency. Instead of using a credit card as an intermediary, you can fund your digital wallet with currencies like Ethereum (ETH) or Solana (SOL). You then use these funds to purchase the NFT directly from the marketplace or seller. This method is the native way to interact with most blockchain-based platforms and offers a more direct transaction process without involving traditional financial institutions.
Adjusting Transaction Fees
When purchasing an NFT, you can often adjust the transaction fee, commonly known as a "gas fee." Marketplaces and wallets may allow you to choose between low, medium, or high fee settings. Opting for a lower fee can reduce your total cost, but it may result in a slower transaction confirmation time. Conversely, paying a higher fee can prioritize your transaction, ensuring it is processed more quickly, which can be crucial during high-demand mints.
Choose the Right Card to Purchase Nfts
While NFTs are a unique asset class, choosing the right credit card for the purchase still comes down to your personal financial goals. Whether you want to maximize rewards, minimize fees, or access specific perks, finding the right fit is crucial. Kudos’ Explore Tool helps you cut through the noise by comparing nearly 3,000 cards to find a personalized recommendation based on your preferences, not on what pays a commission. You can explore cards to find the best option for your needs.
For those looking to get more from their credit cards, Kudos is the premier free tool for online shopping. We are also offering $20 back after your first eligible purchase—simply sign-up for free with code “GET20” and make a purchase at a Boost merchant.
Frequently Asked Questions
What are the fees for buying NFTs with a credit card?
Fees typically include a processing fee from the payment provider and any applicable blockchain network (gas) fees.
Do I still need a crypto wallet if I use a credit card?
Yes, a crypto wallet is necessary to receive, store, and manage your NFT after completing the purchase.
Is it safe to buy NFTs with a credit card?
Yes, when using reputable marketplaces that employ secure payment gateways and robust security measures to protect your information.
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.
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.
