The easiest way to buy stocks online is with a broker that supports credit card payments. This is because your deposit will be processed instantly and you can conveniently buy your chosen stocks without delay.

In this guide, we explain how to buy stocks with a credit card instantly without paying any transaction fees or trading commissions.

How to Buy Stocks with Credit Card – 4 Easy Steps

If you’re looking to buy stocks with a credit card right now – you can complete the process in four simple steps with the best stock trading platform eToro.

In doing so, you can deposit funds with a credit card instantly without paying any transaction fees. Plus, eToro is a 0% commission broker.

  • Step 1: Open an eToro Account
    Visit the eToro platform to open a trading account. The process requires some personal information from you – alongside a copy of your ID. Choose a username and password.
  • 💳 Step 2: Deposit Funds
    Choose ‘Credit Card’ from the list of supported payment methods. The minimum deposit is $10.
  • 🔎 Step 3: Search for Stock
    In the search bar, you can type in the name of the stock that you wish to buy or its ticker. Then, click on the ‘Trade’ button.
  • 🛒 Step 4: Buy Stocks 
    Finally, you will now see an order box appear on your screen. In the ‘Amount’ field, enter your total investment stake from $10, before clicking on ‘Open Trade’.

Your capital is at risk. 68% of retail investor accounts lose money when trading CFDs with this provider.

From start to finish, the above step-by-step walkthrough allows you to buy stocks with a credit card in less than five minutes. We offer a more detailed walkthrough of the investment process later in this guide.

Where to Buy Stocks With Credit Card

Although many brokers in the US allow you to buy stocks on a 0% commission basis, very few support credit card payments. Instead, you are often required to deposit funds via ACH or a domestic bank wire.

If you’re wondering where to buy stocks with a credit card in the US – consider the pre-vetted broker discussed below which does accept credit cards.

1. eToro – Overall Best Place to Buy Stocks With a Credit Card ($0 Fees)

When it comes to low transaction fees and zero commissions, eToro is the industry leader. This top-rated broker enables you to deposit funds instantly with a credit card without paying any fees. It only takes a few minutes to register a verified account. 

As such, if you’re looking to buy stocks without delay, eToro has you covered. We also like the fact that you can buy thousands of stocks without paying any trading commissions – which is inclusive of both US and internationally-listed equities. For example, with an eToro trading account you can buy the best biotech stocks with low fees and a user-friendly stock app. 

The latter includes exchanges in the UK, France, Hong Kong, the Netherlands, Canada, and more. eToro also supports fractional shares – where the minimum stock investment is just $10. This means that you can buy expensive stocks like Nikola, Samsung, Tesla or Alibaba, or you can buy oil stocks without needing to risk over a thousand dollars. As such you’ll have access to the best cheap stocks and the best meme stocks on the market, and you’ll be able to gain exposure to these equities without breaking the bank.  

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Once you have made a deposit with your credit card and bought a portfolio of stocks, you might also be interested in eToro’s social and copy trading tools. The former allows you to share trading insights with other investors in a social media setting. You can also copy the trades of your favorite eToro investors – which is great for investing passively.

Another option that you have when it comes to passive investing is the eToro smart portfolio tool. This allows you to invest in pre-made portfolios that are managed by the eToro team. There are many strategies to choose from – and several smart portfolios focusing on growth areas like cannabis stocks.

All eToro features can be accessed online or via the provider’s native stock app for iOS and Android. The eToro platform is authorized to operate in the US and is regulated by several tier-one bodies. This means that you can deposit funds with your credit card in complete safety.

Minimum Deposit $10
Fractional Shares? Yes – $10 minimum
Pricing System 0% commission on all stocks
Credit Card Deposit Fee FREE for US clients


  • Overall best place to buy stocks with a credit card
  • Thousands of US and international stocks listed
  • 0% commission on all stocks
  • Minimum deposit and stock trade is just $10
  • Copy trading and smart portfolios
  • No fees on USD deposits
  • Offers some of the best new stocks on the market


  • Not suitable for high-frequency trading

Your capital is at risk. 68% of retail investor accounts lose money when trading CFDs with this provider.

Why Buy Stocks With Credit Card? 

There are many reasons why you might decide to invest in stocks with a credit card over a traditional ACH or bank wire payment. 

This includes:

Speedy Investments 

Perhaps the most obvious benefit of using a credit card to buy stocks is that this payment method is typically much faster than other options. In fact, once you have verified your account, brokers like eToro will process your credit card deposit instantly.

This means that you can then proceed to buy your chosen stocks without delay. In comparison, it can often take 1-3 working days for ACH and domestic bank wire deposits to be processed.

Checks are even slower – as you will often need to wait for at least 7 working days before the funds are deposited into your brokerage account.

Indirect Margin Account 

Another reason why you might decide to buy stocks with a credit card is that you are effectively obtaining a margin account.

In other words, you will be investing in stocks on credit, which offers the opportunity to increase your exposure to the markets at a greater level than you currently have available in cash.

buy stocks with a credit card

In fact, this strategy is especially attractive to those that prefer a shorter-term approach to stock trading. After all, most credit card companies will not charge any interest if you pay the statement amount in full.

This means that in theory, you can buy stocks on credit without paying interest – which isn’t something you can do with a traditional margin account.


Credit cards are perhaps the safest payment method to use online – even more so than debit cards. This is because credit card providers in the US are mandated to offer certain safety nets to their customers.

For example, if somebody uses your credit card fraudulently, then the card issuer will refund the transaction in full. Moreover, when you use a credit card to invest in stocks at an online broker, the transaction will be encrypted.

In simple terms, this means that although you are typing your credit card details into the platform when making a deposit, the broker will not be able to see the information.

Easy Withdrawals 

Stockbrokers that accept credit card deposits will also allow you to withdraw your funds back to the same payment method. You should find that after making the withdrawal request, the funds will appear back on your credit card within 1-3 working days.

Low Fees

Another benefit of choosing to buy stocks with a credit card is that fees are often competitive. At eToro, for example, US clients can deposit funds with a credit card fee-free.

You will, however, need to check if your credit card issuer charges additional fees.

Small Minimums

When using a credit card to buy stocks, you can often get started with a small amount of money. For example, eToro requires a minimum credit card deposit of just $10.

As well as credit card deposits, eToro also supports buying stocks with Paypal.

Is it Safe to Buy Stocks with a Credit Card?

In choosing a regulated broker like eToro to buy stocks with a credit card – the process is very safe. As noted earlier, brokers will never see the credit card data that you enter – as the information is encrypted before it reaches the provider’s servers. 

With that said, you do need to consider the added risk that comes with buying stocks on credit. After all, if the value of the stocks you buy decreases, you will still need to pay the credit card company the full amount that was borrowed.

How to Buy Stocks With Credit Card on eToro – Tutorial

If you’re ready to buy stocks with a credit card right now – the sections below will walk you through the process step-by-step.

We’ll be showing you how to complete the process with eToro, which allows US clients to deposit funds from just $10 fee-free. 

Step 1: Open an eToro Stock Broker Account 

The first part of the process is to open an eToro account – which should take you less than two minutes. Some of the information you will need to provide include your first and last name, nationality, date of birth, and residential address.

etoro review

You will also need to enter your email address, as well as your cell phone and social security numbers. You also need to choose a username and password, which you will use to log into your eToro account.

Step 2: Upload ID

Before you can use your credit card to buy stocks, you will need to get yourself verified. eToro requires a copy of your government-issued ID and a proof of address.

For the latter, the document needs to have been issued within the prior three months and can include a utility bill or bank statement. Other documents are accepted too – so check the eToro website for more information.

Step 3: Deposit Funds With a Credit Card

Once you have verified your account, you can then deposit funds. From the list of accepted payment methods, click on the ‘Credit/Debit Card’ button.

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Buy stocks with credit card or a range of other payment methods

Then, you will need to enter your deposit amount. The minimum at eToro when using a credit card is just $10. After clicking on the ‘Deposit’ button, you will be asked to complete the process by entering your credit card details.

This will include the long 16-digit number from the front of the card, as well as the expiry date and CVV.

Step 4: Search for Stock

Now that you have deposited funds into your account with a credit card, you can search for the stock that you want to invest in. You can click on the ‘Discover’ button for inspiration – as eToro will display stocks by the respective sector.

eToro Search Gamestop

The platform also highlights the best-performing stocks of the past 24 hours. If, however, you already know which stock you want to buy – you can type the name of the company into the search bar.

In our example above, we are looking to buy Gamestop stock.

Step 5: Buy Stock 

After clicking on the ‘Trade’ button next to the stock that you want to invest in, an order box will appear on your screen. This is where you need to specify your total investment stake.

eToro Buy Order Gamestop

The minimum deposit at eToro is just $10, in the example above we are looking to invest $50 to begin with into GME stocks. When you are ready to confirm your investment, click on the ‘Open Trade’ button.

Your capital is at risk. 68% of retail investor accounts lose money when trading CFDs with this provider.


It’s possible to buy stocks with credit card instantly at eToro, after completing the signup process and verifying your account.

US clients can also do so without paying any transaction fees. You will then have access to thousands of US and foreign stocks – all of which you can buy at 0% commission.

To get the ball rolling right now, you can open an eToro account and buy stocks with a credit card in less than five minutes.

etoro review

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 68% of retail investor accounts lose money when trading CFDs with this provider.

Frequently Asked Questions on Buying Stocks With Credit Card

Do stockbrokers accept credit cards?

Where can I buy stocks with credit card?

How do I buy stocks with a credit card?

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