I presumed the OP is in the USA.
Well I'm not...
Spotify in Canada
It looks like you're accessing Spotify from outside our launch territiories. In order to buy Spotify premium, you will need a payment card that has been issued in one of our launch territories (i.e. Finland, France, Netherlands, Norway, Spain, Sweden, United Kingdom or United States). As a Spotify Premium user you will have be able to use Spotify when you travel for an unlimited time period.
So they will only take my money if I somehow find my self with a US payment card. Maybe something like buying a Japanese iTunes gift card online so you can buy from iTunes Japan... yes a quick google shows market in spotify gift cards.