Crypto Banks
Buy Crypto with a Capital One Card

Buy Crypto with a Capital One Card

Alysha Jane
Fact Checked
Feb 3, 2023

Summary: Capital One does not directly offer any products or services that allow its customers to buy cryptocurrencies directly through its online banking platform. However, investors can use Capital One credit cards to deposit funds into regulated crypto exchanges in the USA to buy and sell digital assets.

Our top exchange for Capital One account holders is Uphold. Their platform offers fast and cheap USD deposits via ACH Bank Transfer and all Capital One credit cards including the Platinum Mastercard, QuickSilverOne Card, Venture X Card and many others.

Table of Contents

Best Crypto Exchange for Capital One

Platform Highlights

  • Trade 210+ Cryptos with fast & cheap USD Deposits via Capital One ACH Transfer or Capital One Credit/Debit Card.
  • Regulated by FinCEN in the USA and has an Audited Proof-of-Reserves.
  • Feature-rich platform with Crypto Staking and hundreds of Stocks, ETFs & Metals to trade.
Uphold - Capital One
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Audited Proof of Reserves
Audited Proof of Reserves

How to buy Crypto with Capital One Card

As mentioned above, the best way to invest in cryptocurrencies like Bitcoin and Ethereum with a Capital One Card is through a FINRA-licensed broker that accepts creditcard deposits. We recommend the Uphold broker which is one of the few regulated exchanges that accepts all credit cards and debit cards to trade over 200 cryptocurrencies and hundreds of stocks, ETFs, commodities and other assets.

You can get started with this simple 4 step guide:

  1. Sign Up: Create an account on Uphold and complete your verification (personal or company).
  2. Connect Account: Select the currency you want deposit on the Uphold Platform (USD + 30 more).
  3. Deposit Funds: Connect your Capital One Bank account or Debit/Credit Card to quickly deposit your selected fiat currency.
  4. Buy Crypto: The final step is to find the cryptocurrency you want to buy and execute your trade.
Buy Crypto with Capital One Cards
Deposit via Bank Transfer or Capital One Credit/Debit Card.

What is Capital One's Cryptocurrency Policy?

Capital One is a crypto-friendly financial institution that allows its customers to use its wide range of credit cards to purchase digital assets. This means that investors in the United States can use the Platinum Mastercard, Venture X Rewards Card, VentureOne Rewards Card, Savor Rewards Card and many others to buy cryptocurrencies through licensed and regulated brokers.

They are one of the few banks in the USA that do not block customers from using credit cards to invest in the asset class and are generally open to working with clients that wish to do so. This policy is likely because Capital One is a technology company first and foremost, and has been working on blockchain initiatives for several years.

Capital One
Transfer funds directly from your Capital One App.

Fees to Buy Crypto with Capital One

The fees to buy cryptocurrencies with a Capital One Card compared to a traditional bank account are generally slightly more expensive. Investors can expect to pay up to 1.99% in deposit fees to transfer US Dollars from their credit card into a broker like Uphold. While this seems high at first glance, it is much cheaper than alternatives like eToro or Coinbase who charge in excess of 3.99% for debit card and credit card deposits.

About Capital One

Capital One is a large multinational bank holding company headquartered in McLean, Virginia. It offers a wide range of financial products and services including credit cards, personal loans, checking and savings accounts, home loans, auto loans, and business banking services. Capital One operates primarily in the United States but also has a presence in Canada and the UK.

Final Thoughts

In conclusion, Capital One allows its customers to buy cryptocurrencies through regulated exchanges by using their bank accounts or credit cards. The best exchange for Capital One account holders is Uphold, which offers fast and cheap USD deposits, over 200 cryptocurrencies to trade, and a feature-rich platform with staking and other assets. While the fees to buy cryptocurrencies with a Capital One card may be slightly more expensive than a traditional bank account, they are still cheaper than other alternatives. Capital One's friendly cryptocurrency policy and willingness to work with clients makes it a great option for those looking to invest in the asset class.

Alysha Jane

I am a Finance graduate and market analyst that enjoys researching and writing about digital assets and how they intersect with Macro.

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