How to Pay for Reddit Premium with Cryptocurrency

Reddit Premium removes ads, highlights the author's comments in a discussion, and raises limits on certain actions inside Reddit itself. The subscription costs $5.99 a month, or $49.99 a year when you sign up for the full year — the annual option comes out almost a third cheaper than paying monthly.

Any registered user can get Premium — Reddit itself doesn't split accounts by country or citizenship. The trouble starts not at that step, but on the payment screen, where the service doesn't accept just any card, only one that passes its payment processor's check.

Below, we'll look at why payment sometimes fails, how to pay by card or through a mobile app store, why a separate virtual card is useful in this setup, and what to do if Reddit declines the payment anyway.

Why paying for Reddit can be tricky

Reddit's payment form has no wallet and no QR code for transfers — only "Card" and "Google Pay." That applies equally to anyone ready to pay with regular money and anyone holding their funds in cryptocurrency.

Even with a balance of a few hundred dollars in USDT, there's nothing on this particular screen to turn it into a payment — the conversion has to happen earlier, not during the checkout itself.

Paying for Reddit with a bank card

If a card meets both conditions — it falls within a supported payment network and is tied to a country you can honestly enter in the form — payment takes under a minute.

On Reddit's main page, click the profile icon in the top-right corner — it opens a menu with items like "View Profile," "Settings," and "Achievements," and among them is the one you need — "Premium." Inside, a page opens with two tiers, monthly and annual, and a short list of what the subscription includes.

After you pick a tier, a payment window appears with "Card" and "Google Pay" tabs. On the "Card" tab, you fill in the card number, expiration date, and the security code from the back one after another, and below that, a country field, where you enter the value matching the card's own details. The service shows an "I'm not a robot" captcha and, after that, a "Complete purchase" button, which triggers the charge.

If every field is filled in correctly, confirmation appears right on screen, with no redirect to a third-party bank page.

Paying for Reddit through the App Store or Google Play

Reddit has its own app, and you can set up a Premium subscription right from it — in that case, the payment isn't processed by the form on the site, but by the app store the Reddit app was installed from.

The setup here mirrors what happens on the site — instead of Reddit's payment processor, it's Apple or Google, tied to your store account, that checks the card or other payment method. If that account is set up for a country where Reddit Premium is sold, the subscription takes a few taps right inside the app.

The difference from paying on the site isn't in the subscription itself — the price and features are the same — but in who checks the payment. For a user whose app store account is tied to a country with limited access to international payments, this route solves the same problem as a card on the site, just through a different middleman with the same requirements.

A virtual card for Reddit

A virtual card with no physical form works like any other — it has a number, an expiration date, a security code, and a country recorded in the issuer's data. The difference from a plastic card isn't in what it can do, but in the fact that issuing one doesn't involve a bank visit, or having an account in the specific country where the card is formally registered.

Because of that, you can link the card to Reddit so that the country in the payment form and the country in the card's data match from the start, with no guessing among options in a dropdown list. To the payment processor, a card like this is no different from one issued by a local bank in the same country — it sees only the details, not how or where they were set up.

A crypto holder gets the funding side of the problem solved by the same card — money from the wallet turns into card balance inside one service, with no intermediate sale on an exchange and no transfer to a bank account that might not even exist.

Mirocard for paying for Reddit

Mirocard issues exactly this kind of virtual Visa and Mastercard — tied to the country a specific service needs, and set up entirely in your account, with no branch visit and no paperwork. For a one-off or regular payment like Reddit Premium, the simplest card is usually enough — the one issued for paying subscriptions.

The card setup process itself — what you enter at sign-up and how the account is confirmed — is covered in detail in a separate guide to issuing a Mirocard virtual card. A card for paying subscriptions costs $5, is ready right after setup, and works for both Premium tiers — monthly and annual.

The same card's balance can also be topped up straight from a crypto wallet — BTC, ETH, USDT, USDC, TON, TRX, or SOL are exchanged for dollars inside Mirocard itself, with no withdrawal to an exchange and no separate bank account in the chain.

How much exactly will be charged on top-up shows right during the transfer — the amount, including the fee for the operation, appears on screen before you confirm, rather than turning up later as a separate line in your payment history.

From there, the card is used on Reddit like any other. On the Reddit page, go to the "Premium" section through the profile icon.

Pick the plan that fits — a monthly or an annual subscription, depending on your needs.

Choose card payment and enter the details from your account. In the country field, it's best to select the country tied to the Mirocard's BIN. Then click "Complete purchase" — now you've paid for the service and can use it.

You can pay for the monthly tier first, and once you've confirmed it went through without a refund, switch to the annual one — that way, an error in the details shows up on a six-dollar charge, not one nearly ten times larger.

What to do if Reddit doesn't accept the card

First, check the country field in the payment form rather than the balance — if the value there doesn't match the card's details, that's most often the cause of a decline, not a lack of funds or a problem on the bank's side.

Repeatedly clicking "Complete purchase" without changing anything usually doesn't solve the problem — it just piles up declined attempts in the transaction history, which sometimes alerts the payment processor's anti-fraud system. Before trying again, it's worth opening the "Card" tab and double-checking the number, expiration date, and security code — a typo in any of these fields looks to the system just like an unusable card.

If the cause isn't a typo or the country, try paying through Reddit's mobile app — the payment goes through Apple or Google there, and the restriction blocking the card on the site may not repeat on the app store's side.

Conclusion

Reddit Premium works like an ordinary subscription — a fixed price, two tiers, payment by card or Google Pay. Every difficulty connected with it comes down not to the service itself, but to your payment method.

A separate virtual card with the right country in its details removes that problem once and for all — from then on, paying for Reddit stops being any different from paying for any other service with the same checkout. Mirocard gives you a card like that, with no tie to the applicant's bank or country, leaving the user with just the final step — entering the details into the form and confirming the payment.