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Can You Buy a Gun with a Credit Card?
July 1, 2025
Quick Answer
Yes, in most cases, you can legally purchase a firearm from a licensed dealer using a credit card.
Should You Buy A Gun With A Credit Card?
Let's examine the advantages and disadvantages of using a credit card for this purchase.
Benefits of Using a Credit Card
- You can earn cash back, travel miles, or other rewards offered by your credit card issuer.
- Many cards provide built-in benefits like extended warranties or insurance against theft or damage for a short period after purchase.
- Federal law limits your liability for unauthorized charges, offering protection if your card information is compromised.
- It allows you to acquire the firearm immediately while paying for it over time, according to your card's terms.
Drawbacks of Using a Credit Card
- If you don't pay off the balance in full, the interest accrued can substantially increase the firearm's total cost.
- Some retailers add a surcharge, typically around 3%, to cover the credit card processing fees they incur.
- The transaction creates a permanent digital record with the credit card company and bank, which some buyers may wish to avoid for privacy reasons.
- A few payment processors have restrictive policies on firearm-related transactions, which could potentially complicate the purchase or a future dispute.
How to Buy A Gun With A Credit Card
Buying a firearm with a credit card is possible but requires navigating specific rules. This guide outlines the key considerations to ensure a smooth and compliant transaction for your purchase.
- Verify Dealer and Issuer Policies: Before heading to the store, confirm that the licensed firearms dealer accepts credit cards for firearm purchases. Some may add a processing fee, while certain card issuers might have restrictions.
- Choose the Right Credit Card: Select a card that aligns with your financial goals, such as one offering robust purchase protection or rewards. You can use Kudos' Explore Cards tool to compare different credit card options.
- Complete the Transaction and Paperwork: At the point of sale, you will present your credit card and valid government-issued ID. You must also fill out all necessary federal and state forms, including the ATF Form 4473.
- Pass the Background Check: The dealer is required to conduct a background check through the National Instant Criminal Background Check System (NICS). You must receive approval before you can legally take possession of the firearm.
Impact On Your Credit Score
Using a credit card to purchase a firearm can affect your credit score in several ways. Here are a few key factors to keep in mind before you buy.
- Credit Utilization. A firearm is a significant purchase that can increase your credit utilization ratio. A higher ratio can negatively impact your credit score, so it's best to keep your balance low relative to your limit.
- New Credit Inquiries. Opening a new credit card for the purchase results in a hard inquiry on your credit report. This can cause a temporary dip in your score, especially if you have multiple recent inquiries.
- Payment History. A large purchase means a large payment is due. Failing to pay your credit card bill on time will negatively affect your payment history, a crucial component of your overall credit score.
Alternative Ways To Buy A Gun
Private Party Transactions
One common alternative is purchasing a firearm directly from another private individual. These transactions often use cash, eliminating the need for a credit card. However, the legal landscape for private sales varies dramatically by jurisdiction. Some states require that all private firearm transfers be facilitated by a Federal Firearms Licensee (FFL) to conduct a background check. In other states, private sales between residents can proceed without this step. Prospective buyers must research and adhere strictly to their state and local laws to ensure the transaction is legal and properly documented.
In-Store Payment Options
Even when buying from a licensed dealer, a credit card is not the only option. Most retailers readily accept cash or debit card payments for firearm purchases. For those who wish to pay over time without using credit, some gun stores offer layaway programs. This allows a customer to reserve a specific firearm and make incremental payments until the full price is paid. Once the balance is cleared, the buyer can complete the necessary paperwork, including the background check, and take possession of the firearm. This method provides a structured way to budget for a purchase.
Choose the Right Card to Buy A Gun
A firearm is a significant purchase, and the right credit card can help you maximize its value through rewards or favorable terms. With nearly 3,000 cards on the market, finding the one that best suits your needs—whether it's for cash back, travel points, or low interest—can be a challenge. Kudos offers personalized recommendations to help you compare options and make an informed decision. You can start by exploring their curated list of the best cards of 2024 to find your perfect match.
If you want to get more from your credit cards, Kudos is the ultimate free smart wallet for online shopping. Plus, we're currently offering a $20 reward after your first qualifying purchase—just sign-up for free with code “GET20” and make a purchase at a Boost merchant.
Frequently Asked Questions
Are there extra fees for using a credit card?
Some retailers may charge a processing fee, typically around 3%, to cover their costs for credit card transactions.
Will my credit card company know I bought a gun?
Yes, a specific merchant category code for firearm retailers allows credit card companies to track these specific purchases.
Can I buy ammunition and accessories with a credit card?
Yes, ammunition and other accessories can generally be purchased with a credit card, following the same store policies.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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