Purchasing Bitcoin with an American Express (AMEX) card is a convenient and secure way to enter the world of cryptocurrency. While AMEX doesn’t directly support crypto transactions, several reputable platforms allow you to use your AMEX card for instant deposits and crypto purchases. This guide walks you through everything you need to know—from top exchanges that accept AMEX, step-by-step buying instructions, fee considerations, and safety tips.
Whether you're a beginner or experienced investor, using your AMEX card can offer fast access to Bitcoin and other digital assets. Let’s explore how to make the most of this payment method.
What You Need to Know Before Buying Crypto With AMEX
Before diving in, it's essential to understand the limitations and implications of using a credit card—especially American Express—to buy Bitcoin.
AMEX imposes daily and monthly purchase limits on cryptocurrency transactions:
- $200 per day
- $1,000 per month
These restrictions are in place to mitigate fraud risks and protect consumers from overspending in volatile markets. Additionally, credit card purchases of crypto may be treated as cash advances, which often come with higher interest rates and fees.
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Another important consideration: most platforms charge higher fees for credit card deposits compared to bank transfers or debit cards. Always review the fee structure before confirming your transaction.
Despite these limitations, AMEX remains a popular choice due to its strong fraud protection policies and global acceptance across regulated crypto platforms.
Top Platforms to Buy Bitcoin With American Express
While not all exchanges accept AMEX, several well-regulated platforms do. Below are some of the best options available in 2025.
eToro – Best Overall for AMEX Users
eToro is a leading social trading platform launched in 2008, serving over 13 million users worldwide. It supports a wide range of assets including Bitcoin, Ethereum, stocks, and commodities.
Key benefits:
- Accepts Visa, Mastercard, and American Express
- No commission fees—profits come from spreads
- User-friendly interface with copy-trading features
- Strong regulatory compliance in multiple jurisdictions
eToro is ideal for beginners who want to learn from experienced traders while securely funding their accounts with an AMEX card.
CEX.io – Trusted Exchange Since 2013
CEX.io is one of the oldest crypto exchanges still operating, headquartered in London. With over 4 million registered users and support for 99% of countries globally, it offers a reliable gateway to digital assets.
Why choose CEX.io?
- KYC-verified platform with strong security protocols
- Supports AMEX for deposits
- Offers direct ownership of cryptocurrencies
- Registered with FinCEN in the U.S. and licensed as a Money Services Business in the UK
Its long-standing reputation makes it a solid option for those prioritizing trust and transparency.
Coinmama – Secure & Direct Wallet Delivery
Coinmama stands out because it doesn’t store users’ cryptocurrencies. Instead, purchased coins are sent directly to your personal wallet, reducing the risk of exchange-based hacks.
Features:
- Available in 188 countries and 48 U.S. states (excludes Hawaii and New York)
- Supports AMEX, Apple Pay, Google Wallet, and more
- No storage of sensitive financial data
- Two-factor authentication (2FA) for added security
This direct-to-wallet model enhances privacy and control over your digital assets.
Noones – Best P2P Marketplace for AMEX Payments
Noones (formerly Paxful) is a peer-to-peer (P2P) marketplace where buyers and sellers trade directly. It supports over 200 payment methods, including American Express.
How it works:
- Browse offers that accept AMEX
- Initiate a trade with a verified seller
- Communicate via secure chat
- Receive crypto once payment is confirmed
This flexibility allows users to find favorable rates and complete transactions without relying on centralized exchanges.
Capital.com – Advanced Trading Platform With AI Tools
Launched in 2016, Capital.com serves over 5 million traders across 50+ countries. It specializes in CFD (Contract for Difference) trading and uses AI-powered tools to assist decision-making.
Highlights:
- Supports AMEX deposits
- Offers access to over 6,000 financial instruments
- No deposit, withdrawal, or inactivity fees
- Not available to U.S. residents at this time
While you don’t own the underlying crypto when trading CFDs, this platform suits those looking for advanced analytics and leverage.
Libertex – Low-Cost CFD Trading With AMEX Support
Libertex offers competitive trading conditions with commissions starting at just 0.001%. It lists more than 50 cryptocurrencies and other assets.
Key points:
- Minimum deposit: $100
- Accepts AMEX and other major cards
- Fast order execution
- Withdrawal fees vary by method
Though primarily a CFD broker, Libertex provides exposure to crypto price movements without full ownership.
Step-by-Step Guide: How to Buy Bitcoin With AMEX
Follow these simple steps to purchase Bitcoin using your American Express card:
Step 1: Choose a Supported Platform
Select a crypto exchange or broker that accepts AMEX—such as eToro, CEX.io, or Coinmama.
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Step 2: Create & Verify Your Account
Sign up and complete the KYC (Know Your Customer) process by submitting ID documents, proof of address, and sometimes a selfie. Verification typically takes minutes to hours.
Step 3: Link Your AMEX Card
Navigate to the deposit section and enter your card details: number, expiration date, CVV. Confirm the linked card meets minimum deposit requirements.
Step 4: Deposit Funds & Buy Bitcoin
Deposit fiat currency using your AMEX card. Then go to the trading interface, select Bitcoin, enter the amount you wish to buy, and confirm the transaction.
Your Bitcoin will be credited instantly or within seconds, depending on network congestion.
Can You Withdraw Crypto Profits to Your AMEX Card?
There is no direct way to send cryptocurrency to an AMEX card. However, you can sell your crypto for fiat on a supported exchange and withdraw the proceeds to your linked AMEX card—if the platform allows AMEX withdrawals.
Note: Many platforms only permit AMEX for deposits, not withdrawals. Always check withdrawal options before funding your account.
Process summary:
- Log into your exchange account
- Sell Bitcoin for USD (or local currency)
- Initiate withdrawal and select AMEX as the destination
- Confirm transaction
Processing times vary but typically take 1–5 business days.
Frequently Asked Questions (FAQs)
Is it safe to buy Bitcoin with an American Express card?
Yes. AMEX offers robust fraud protection and chargeback options, making it safer than many other payment methods.
Are fees high when using AMEX to buy crypto?
Yes. Credit card purchases usually incur higher fees—often 2–5%—compared to bank transfers or debit cards.
Can I hold crypto in my AMEX account?
No. American Express accounts only support fiat currencies. You must store crypto in a digital wallet or exchange account.
Which exchanges accept American Express?
Popular platforms include eToro, CEX.io, Coinmama, Noones, Capital.com, Libertex, Coinbase, and Crypto.com.
Does Binance accept AMEX?
Not directly. Binance does not accept AMEX on its main platform but allows it via its P2P marketplace.
Can I buy Ethereum with AMEX?
Yes. Most platforms that accept AMEX for Bitcoin also support Ethereum and other major cryptocurrencies.
Final Thoughts
Buying Bitcoin with American Express is fast, secure, and accessible through multiple regulated platforms. While daily limits and higher fees apply, the convenience and consumer protections offered by AMEX make it a compelling option for new and experienced investors alike.
To get started quickly and securely:
👉 Use a top-rated exchange that supports instant AMEX funding and begin your crypto journey now.
By choosing the right platform and understanding the process, you can seamlessly integrate your credit card into your digital asset strategy.