Same card, same tap
An Amex purchase here is an ordinary online card purchase: the card you tap at a counter is the card you type into the desk.
Most crypto sites never set up for American Express. We built the desk around it.
American Express works differently from the other networks, and those differences are exactly why so many exchanges quietly leave it off the payment page. Here is what they are, and what we did about each.
Network and issuer in one
Unlike Visa or Mastercard, American Express usually issues the card it processes. That makes its approvals faster to read — one company decides — but it also means most crypto sites never set up for it. We did.
15-digit numbers, 4-digit code
An Amex number starts with 34 or 37 and runs 15 digits; the security code is the four digits on the front. The payment form knows both, so nothing is rejected for being the "wrong length".
SafeKey on the way through
Amex's one-time-code check can appear on any online purchase. Approve it in the Amex app or by text and the order continues on its own; dismiss it and the charge simply doesn't happen.
Wondering whether Amex allows it, or how the charge is coded on your statement? That is the policy side, and it has its own page: American Express & crypto, the honest guide.
Charge, credit, business, debit — what changes at checkout
The card family matters less than the kind of card. Each kind posts a little differently, and one of them doesn't work at all.
| Kind of card | On your statement | At the desk | Works here |
|---|---|---|---|
| Charge cardsPlatinum, Gold, Green, Business Platinum, Plum | A single purchase, due with your next statement unless the card has Pay Over Time switched on. | No preset spending limit, but Amex still sizes each approval to your history — a first order in the low hundreds clears more smoothly than a first order in the thousands. | Yes |
| Credit cardsBlue Cash, EveryDay, Cash Magnet, Delta, Hilton, Marriott | A purchase against your credit line. How Amex codes it is up to Amex — the honest detail is in our Amex policy guide. | Make sure the card is enabled for online purchases and that the billing ZIP you type matches the statement address. | Yes |
| Business cardsBusiness Gold, Blue Business Plus, Amazon Business | Posts to the company card like any vendor payment, with the receipt emailed for your books. | Verify as yourself first; an Anytime Capital business account can hold the Bitcoin under the company afterwards. | Yes |
| Amex debitAmerican Express National Bank checking card | Paid straight from the checking balance — no credit line involved at all. | The cleanest Amex rail there is. If you hold one alongside a charge card, lead with this. | Yes |
| Prepaid & gift cardsAmerican Express Gift Card, Serve | Usually declined: the card cannot pass the name and address check behind every online card purchase. | Use a card in your own name instead; any other network works too. | Usually not |
33 American Express cards, by family
Don't see yours? If it carries the Amex logo and your own name, it works.
Personal cards
Charge cards, Blue Cash and EveryDay credit cards.
- The Platinum Card® from American Express
- American Express® Gold Card
- American Express® Green Card
- Blue Cash Preferred® Card
- Blue Cash Everyday® Card
- American Express Cash Magnet® Card
- Amex EveryDay® Credit Card
- Amex EveryDay® Preferred Credit Card
- Blue Sky® from American Express
- Centurion® Card from American Express
Business cards
Company spend on the card the business already carries.
- The Business Platinum Card®
- American Express® Business Gold Card
- American Express® Business Green Card
- The Blue Business® Plus Credit Card
- The Blue Business® Cash Card
- The Plum Card®
- Business Centurion® Card
Delta SkyMiles® cards
Every Delta co-brand, personal and business.
- Delta SkyMiles® Blue
- Delta SkyMiles® Gold
- Delta SkyMiles® Platinum
- Delta SkyMiles® Reserve
- Delta SkyMiles® Gold Business
- Delta SkyMiles® Platinum Business
- Delta SkyMiles® Reserve Business
Marriott Bonvoy® & Hilton Honors cards
The hotel co-brands, personal and business.
- Marriott Bonvoy Brilliant®
- Marriott Bonvoy Bevy™
- Marriott Bonvoy Business®
- Hilton Honors Card
- Hilton Honors Surpass®
- Hilton Honors Aspire
- Hilton Honors Business
Amazon & other partner cards
Co-branded American Express cards from retail partners.
- Amazon Business American Express Card
- Amazon Business Prime American Express Card
Four stations between your Amex and your wallet
No queue, no overnight settlement. The whole trip is the length of a SafeKey prompt.
- 1
Pick an amount
10 secondsTap a preset or type a dollar figure in the desk above. The live price shows roughly how much Bitcoin that buys before you commit to anything.
- 2
Verify once
About 2 minutesFirst order only: a photo of your ID, a selfie and the Amex card itself, all in one pass. That pass is also what opens your account — no sign-up form before it.
- 3
Approve it with Amex
SecondsYour card details go to the payment page. American Express may ask you to confirm the purchase through SafeKey, its one-time-code check. Approve it and the order continues on its own.
- 4
Bitcoin lands in your wallet
Seconds after approvalThe moment the charge is approved the BTC is credited to your Anytime Capital wallet. Keep it there, or send it on to any address you control.
Minimums, speed and support, stated plainly
Each figure comes from the rule that enforces it, so what you read here is what the checkout does.
- Smallest orderBuy a few dollars of Bitcoin to see how the card posts before you buy more.
- $7.50
- From Amex approval to Bitcoin in your walletThe charge is approved, the BTC is credited. No overnight settlement, no queue.
- Seconds
- Card networks acceptedAmerican Express, Visa, Mastercard, Discover, Diners Club, JCB and UnionPay, from any country.
- 7
- Real people on supportPhone and chat, holidays included, plus walk-in branches in Atlanta, Miami and Houston.
- 24/7
Card pricing is shown in full before you confirm. Current rates for every payment method: fees and limits.
When the Amex is the right card, and when something else is
We take all of these. The comparison is about your order, not about talking you out of the card in your hand.
| Pay with | Delivery | Best for | Worth knowing |
|---|---|---|---|
| American Express card | Instant | Buying now on the card you already carry, personal or business. | Card pricing applies, shown before you confirm. How Amex codes the charge is the issuer's call. |
| Debit card (any bank) | Instant | The same instant checkout with no credit line in the picture. | Some banks cap daily debit spend lower than you'd expect; your bank's app usually shows the limit. |
| Apple Pay / Google Pay | Instant | Paying from a phone with whichever card is already in the wallet — including an Amex. | The card behind the wallet still decides the approval. |
| Wire transfer | Same business day once received | Larger orders where a lower rate matters more than instant delivery. | Bank cut-off times apply; nothing moves over a weekend. |
| Cash at a branch | While you wait | Atlanta, Miami and Houston locals who'd rather hand over cash. | Branch hours; bring ID. |
Not only Bitcoin
The same desk sells every coin we list. Switch the coin in the widget, or start from its own page.
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Bitcoin on the Business Platinum, held under the company
Half the Amex purchases on this desk are on business cards. The card side is identical; what differs is where the Bitcoin lives afterwards.
- Pay on Business Platinum, Business Gold, Blue Business Plus, Plum or the Amazon Business card — any Amex the company carries.
- Verify as yourself once; a business account then holds the Bitcoin, the receipts and the statements under the company name.
- Recurring treasury buys, or orders larger than a single card allows, can be set up with the OTC desk on a wire instead.
- Every purchase emails a receipt you can hand straight to the bookkeeper.
Business wallet
Receipts, statements, team access
Checkout questions, answered
Which American Express cards can I use to buy Bitcoin here?
Any card with the American Express logo that is in your own name: the 33 personal, business and co-branded cards listed on this page, and any we have missed. Charge cards, credit cards and the Amex National Bank debit card all work. Prepaid and gift cards usually do not, because they cannot pass the name and address check.
Is there a minimum or maximum Bitcoin order on an Amex card?
The smallest order is $7.50. There is no low platform cap above it: your limit is set by your card's available credit and your account, and current limits by payment method are on the fees and limits page. For orders larger than a single card allows, the OTC desk arranges a wire.
How long does it take to get my Bitcoin after paying with Amex?
Seconds. The Bitcoin is credited to your Anytime Capital wallet as soon as American Express approves the charge. The only wait is your first-time verification, which most people finish in about two minutes.
Will American Express ask me to approve the purchase?
Often, yes. Amex protects online purchases with SafeKey, its version of 3-D Secure, so you may be asked to confirm the payment with a one-time code in the Amex app or by text. Approve it and the order continues automatically. It is a routine security step, not a sign of a problem.
Can I buy Bitcoin with an Amex Business card for my company?
Yes. Business Platinum, Business Gold, Blue Business Plus and the other business cards are accepted. Verify as yourself first, then open an Anytime Capital business account to hold the Bitcoin, invoices and receipts under the company.
What if my American Express card is declined?
Nine times out of ten it is the card, not us: a SafeKey prompt that was dismissed, a billing ZIP that doesn't match, or Amex sizing a first-ever purchase at a new merchant. Approve any pending notification in the Amex app, check the ZIP, and retry with a smaller amount. If it still fails, a debit card, Apple Pay or Google Pay gets you the same Bitcoin at the same speed.
Do I need an account before I can pay with my Amex?
No. Pick your amount and press Continue; the verification that follows is what creates your account. You never fill in a sign-up form, because everything a form would ask for is verified from your ID and card in that one pass.
Can I use an American Express card issued outside the United States?
Yes, as long as it is enabled for international online purchases. Orders are priced in US dollars and your bank converts at its own rate, sometimes with a small foreign-transaction fee. Delivery is instant for every verified customer, wherever the card was issued.
Where does the Bitcoin go once I've paid?
Into the free Anytime Capital wallet that comes with your account. From there you can hold it, sell it back, or send it to any Bitcoin address you control — a hardware wallet, an exchange, a friend.
What does Anytime Capital charge for an Amex purchase?
Card pricing, shown in full before you confirm: you see the Bitcoin you will receive and the total that will hit the card, and nothing is added afterwards. Current rates for every payment method are on the fees and limits page.
Your Amex is already the right card. Use it.
Pick an amount, verify once, approve the SafeKey prompt. The Bitcoin is in your wallet before you have put the card away.
Keep reading
Important Disclosures
- American Express is a registered trademark of American Express Company. Anytime Capital is an independent merchant that accepts American Express cards; it is not affiliated with, sponsored by or endorsed by American Express.
- Authorization of any card transaction, and how it is coded on your statement, is decided by American Express under your cardmember agreement, not by Anytime Capital.
- Digital assets are not FDIC-insured, are not bank deposits, and may lose value.
- All purchases are subject to identity verification and compliance review. Pricing is shown before you confirm; see fees and limits for current rates.