From Plastic to Playtime: Top US Casinos That Accept Credit Cards
William M.
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William Macmaster
Content Editor
William brings 8+ years of experience in the online gambling industry to our coverage of the US market. He reviews real money and sweepstakes casinos in detail, ensuring you get trusted insights on regulations, rewards, and where it's worth playing.
Credit cards now account for as much as 35% of all US transactions. They are secure, reliable, and 82% of US cardholders own one. That said, credit cards can carry extra risks when used in gambling. This page will cover everything there is to know about credit card deposits to help you pick the best credit card casino to play at.
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Important:
Low daily withdrawal limit (less than $500)
This casino applies a low withdrawal limit (less than $500 per day). Because of this, it might take you a long time to withdraw your funds if you manage to win big.
Important:
Very low withdrawal limit
This casino has a very low monthly withdrawal limit, which means that if you happen to win a larger sum of money, it will take a much longer time to withdraw the winnings from your account.
Wide range of bonuses both for new and loyal players
We have a team of over 25 expert reviewers who use our Safety Index, which measures factors like casino size, player complaints, and restrictive or unfair practices, to identify the most reliable online casinos that accept credit cards. Here are our top casinos for players from regulated states and for those who want to play at sweeps casinos.
Spin into sweep: Our #1 sweepstakes casino pick: Real Prize
Real Prize is our top choice for prize credit card gambling thanks to its flexible payment options, fast processing, and the strongest Safety Index score in its category at 9.8. Real Prize supports Visa, Mastercard, American Express, and Discover, making it one of the few platforms with true full network coverage. Minimum deposits start at just $10 and process instantly.
Where Real Prize really stands out is its near flawless transaction reliability. Deposit failure rates hover around 1.5 percent, dramatically outperforming most competitors that average between 10 and 15 percent. Sites like NoLimitCoins, Tao Fortune, and Funzcity lack both Amex and Discover availability and often struggle with inconsistent authorization systems.
Even Wow Vegas, the closest match in payment compatibility, comes in with a lower Safety Index score and slower withdrawal times of 3 to 5 business days, compared to Real Prize's standard same day to 24-hour cashout window.
Another major win for credit card users is that all card purchases qualify for Real Prize bonuses, including seasonal promos and first-time buyer boosts that can include bundle upgrades, bonus tokens, and rotating prize multipliers. By contrast, many platforms exclude bonus eligibility on Amex or Discover transactions.
Real Prize also emphasizes security with bank grade SSL encryption and mandatory 3D Secure (3DS) where supported. This cuts down on fraudulent transactions and makes it easier for players using rewards credit cards to earn cash back or travel points on their purchases.
Pros
Full credit card support – Visa, Mastercard, American Express, and Discover accepted. Many rivals accept only Visa and Mastercard, leaving fewer options for users with Amex or Discover.
Low deposit threshold – Minimum deposits start at $10, beating sites with higher baselines like Funzcity ($20) and Wow Vegas ($25).
Ultra-high success rate – Deposit failure rate of under 2 percent, which is significantly stronger than the 10 to 15 percent range at several competing sweepstakes and prize redemption sites.
Fast withdrawals – Standard cashouts processed same day or within 24 hours, faster than most platforms in the category.
Cons
Higher verification requirements – Real Prize's security system is strict, requiring ID and address verification earlier in the redemption process than some competitors. This adds safety but may feel like an extra step for new players.
🧠 Expert insight: What I appreciate most about Real Prize is how smooth the payment flow is. After entering my card details, the cashier automatically pushed me through a quick 3DS check and the purchase finalized in seconds. My first redemption request required ID verification, which is standard for compliance, but the upload system was faster and more intuitive than most platforms I've tested. Real Prize balances convenience with strong fraud controls better than nearly all of its rivals.
Play made simple: Our top choice for real money credit card casinos: BetMGM
One of the best credit card casinos is BetMGM; and it's also one of the safest. With a score of 9.3 out of 10, it ranks in the Top 10 on our Safety Index, outperforming 17 other US license-holding casinos.
BetMGM doesn't impose its own limits on credit card deposits. Any restrictions, if applicable, are imposed by the state or your card issuer. What sets BetMGM apart, however, is that it accepts deposits from all major credit card networks, including Visa, Mastercard, American Express, and Discover, a coverage that some competitors lack.
For example, Amex is missing at casinos like FanDuel and ESPN Bet WV, while Discover is not accepted at DraftKings or Hard Rock Casino WV. Discover is also not supported across several of our top-rated casinos, including DraftKings Casino and Hard Rock Casino. For the holders of these cards, BetMGM is their best option on the US market.
Credit card deposits at BetMGM fully qualify for all bonuses, unlike some competitors. In NJ, MI, and PA, players receive a 100% match up to $1,000, plus $25 free play. In WV, the offer increases 100% up to $2,500, plus $50 no deposit and 50 free spins (with a 15× wagering requirement on match bonuses).
Pros
Full card coverage – Accepts Visa, Mastercard, Discover, and Amex with a low $10 minimum deposit. Competing casinos like DraftKings and Hard Rock don't support Discover, while FanDuel and ESPN Bet exclude Amex.
Strong security – Protects transactions with SSL encryption and adds 3D Secure (3DS) authorization, which some casinos still lack.
User-friendly cashier – The BetMGM app makes deposits simple, with remaining limits clearly displayed during checkouts, something not always visible at rivals like FanDuel.
Cons
No credit card withdrawals – This is standard across the industry, but alternatives like PayPal, Venmo, and bank transfers are available.
🧠 Expert insight: I found it easy to deposit using my credit card; both the desktop and mobile apps for BetMGM are clear, and the process is step-by-step. You can easily add a new payment method, which is then saved to your account. What I liked was that each method had its deposit minimum clearly listed, which I think is a nice touch.
Card-ready and casino-smart: How to pick the best sites
We vet all the sites featured here through extensive research and a dedicated review team. However, choosing an online casino that accepts Visa or Mastercard often comes down to personal preference. Here are some key factors to consider when selecting a credit card casino.
Bonus boosts: Extra value at credit card casinos
Credit card-specific bonuses are rare; most offers are tied to products rather than casino payment methods. The key factor to check is the wagering requirement (rollover). The lower it is, the easier it is to withdraw. A 1× requirement is ideal.
Among online casinos, I prefer no deposit bonuses in the $25–$50 range. BetMGM offers a $25 no-deposit bonus with a 1x rollover, one of the most player-friendly deals available. The best welcome bonuses at online casinos that accept credit cards offer deposit matches of $100–$500, but BetMGM again stands out with a 100% match up to $1,000.
Sweepstakes casinos also offer substantial credit card-eligible bonuses. Pulsz, for example, gives new players up to 5,000 Gold Coins + bonus Sweeps Coins on card deposits, while WOW Vegas caps its welcome package at 2,000 Gold Coins and carries a lower safety rating.
Whether it's a top real money online casino like BetMGM or one of the best social casinos like Pulsz, credit card deposits almost always qualify for the biggest bonuses but always double-check the wagering rules in the terms and conditions.
💡 Expert tip: Regardless of how long I've used a particular casino, I always review the terms and conditions of all promotional materials. Terms and conditions for bonuses are subject to change. This way, you avoid disappointment if wagering requirements or game weighting change over time.
Safety first: How secure are credit card casinos?
As part of our USA casino reviews, all the casinos on our list undergo rigorous ongoing checks and are ultimately awarded a Safety Index. This is your first port of call for understanding how safe a casino is, based on factors such as the fairness of its terms and conditions and its customer complaints.
You can further explore customer reviews, card decline rates, and credit card fraud protection policies to ensure that you are playing at a safe site. Credit card casinos are safe and secure, provided they comply with regulatory standards.
Regulators establish the standards for data protection, compliance requirements, and secure data storage. Licensed casinos are held accountable by regulators and face fines if they are found to save credit card details or personal information improperly.
FanDuel is one of the best real money casinos that accept credit card payments, holding licenses in Connecticut, Michigan, New Jersey, Pennsylvania, and West Virginia. With a Very High Safety Index score, it ranks near the top of our reviewed casinos, making it one of the safest options for players using Visa or Mastercard (note: American Express is not supported).
Casinos are also rated on transparency. Hidden costs or vague bonus conditions can significantly impact the player experience. We like to see clear, upfront terms listed for each promotion. Real Prize is great for this and one of the top-rated sweepstakes sites. We would recommend them over lower-rated sweepstakes casinos, such as Tao Fortune or Funrize in this area.
💡 Expert tip: The higher a casino's Safety Index is, the less likely you are to encounter declined deposits. Card issuers may sometimes decline deposits if they originate from suspicious sources.
Payment speed: Deposits & withdrawals with credit cards
When depositing by credit card, your funds are usually available instantly. One pitfall, however, is that most casinos do not support credit card withdrawals. Instead, players need to use alternative payout methods, such as PayPal, debit cards, or bank transfers.
At sweepstakes casinos, gift cards or e-wallets are typically the fastest casino withdrawal option, averaging around 48 hours (similar to McLuck). Bank transfers or debit card redemptions usually take 3–5 business days, which is the standard processing time used at Wow Vegas.
At real money casinos like BetMGM or FanDuel, the pattern is nearly identical: deposits by credit card are instant, but withdrawals typically require a Play+ card, PayPal, or online banking, which are usually processed within 1-3 business days. This is consistent with the broader industry standard in regulated U.S. online casinos.
💡 Expert tip: I always keep several withdrawal methods handy in case what I pick isn't accepted by my operator of choice, and make sure they reflect your needs. For example, top Skrill casinos may increase withdrawal speeds but will limit your bonus options.
User experience: Smooth play & seamless cashier design
Top casinos consistently feature a clear, straightforward cashier layout accessible on both desktop and mobile devices.
DraftKings has a clean and easy-to-use cashier design. There are no distractions; everything is labelled, visible, and all payment methods are listed in tabs. Their mobile casino app features a similar intuitive design, with a plus sign in the top-right corner, making depositing easy and accessible.
The same applies to WOW Vegas, a top sweepstakes casino app with a clear, simple layout and a smooth user experience. After entering the sweepstakes, the website prompts you to a registration form, which I completed in seconds.
As a new user, you need to fill out your address details before you can purchase Gold Coins. It's a simple, unobtrusive step, but other sweepstakes like Pulsz didn't require that. Otherwise, the actual cashier is quite intuitive and accepts Apple Pay and Google Pay, which were missing from the desktop version of Pulsz.
💡 Expert tip: The location of deposit buttons or withdrawal processes may vary from one casino to another. I find that sites with a track record of the best casino payouts offer clear deposit/withdrawal options. I like to check out casino payment guides to familiarize myself with their layout and usability.
Credit card casinos 101: Our expert explains
When using credit cards to play casino games, remember that you're using borrowed money. This makes them riskier than other payment options, as they can lead to accumulated debt. While deposits themselves may not immediately affect your credit score, late or missed repayments will. The safest approach is to repay deposits quickly to avoid carrying a balance.
Banks also often classify gambling deposits as "cash-like" transactions, which are treated as cash advances. These typically incur additional fees (usually around 5%) and higher interest rates compared to everyday purchases, making them more expensive in the long run.
We would advise playing using alternative payment options rather than using a credit card to ensure you are not adding extra risk to your gambling.
💡 Expert tip: Most issuers don't consider money spent on online casinos to be acceptable for points, so as not to incentivise debt accumulation through gambling.
The good, the bad, and the risky: Using credit cards at casinos
Credit cards carry inherently more financial risks than other payment menthods, but is it all bad? Here are both sides of the coin… or better yet, the credit card.
Pros
Cons
✅ Widely accepted & convenient – Credit cards are one of the most accessible payment methods across online casinos.
❌ State restrictions – Some states have banned the use of credit cards for casino deposits.
✅ Fraud protection – Most issuers protect you from unauthorized transactions.
❌ Cash advance fees – Many issuers treat gambling deposits as cash advances, adding fees (often ~5%) and charging higher interest rates immediately (no grace period).
✅ Higher limits – Typically offer higher spending limits than debit cards, giving players more flexibility.
❌ Overspending risks – Because you're playing with borrowed money, credit cards can encourage overspending and may hurt your credit score if not repaid quickly.
✅ Extra security layers – Many issuers use two-factor authentication (e.g., SMS codes or app verification) for added safety.
❌ No withdrawals – Casinos generally don't support credit card withdrawals; you'll need to use PayPal, a bank transfer, or another method.
✅ Industry safety standards – Card providers enforce strict merchant compliance (PCI/SSL), ensuring your details are kept secure.
What's in your wallet? Cards that casinos take in 2026
Payment cards, whether credit or debit, work by electronically notifying your bank that a transaction has been made. This section will look at some of the most popular credit card networks and our casino picks for each.
Visa – The most widely used card network globally, operating in nearly 200 countries and handling 322.4 billion transactions in a year. Visa acts as the messenger between your bank and the merchant, securely authorizing transactions. Crown Coins is our top Visa casino, with High Safety Index score.
Mastercard – A U.S.-based card payment system with over 1 billion cards in circulation. It offers services nearly identical to Visa and is widely accepted across sweepstakes casinos. LuckyLand Casino is one of the best casinos for Mastercard and holds a High Safety Index score.
American Express (Amex) – Unlike Visa and Mastercard, Amex is both a network and a card issuer. Although it charges higher fees, its rewards, perks, and customer service make it attractive for many players. Funrize is one of the top casinos that accepts Amex as a payment method with a High Safety Index score.
Discover – Known for no annual fees and cashback rewards, Discover is another popular choice. Although not universally accepted, one of the best casinos that accepts Discover is Real Prize Casino, which has a Very High Safety Index rating.
Swipe it right: Getting your deposit through
Depositing using a credit card is a straightforward process. In this section, we will go over the general steps that most casinos tend to have when you deposit on their platform.
Step 1: Visit the deposit section
After deciding which credit card deposit casino to play at, all I'd need to do is click on the deposit button. In most casinos, such as DraftKings, the balance section is a clickable link that also directs you to the deposit page.
Step 2: Enter a deposit amount
After successfully reaching the deposit page, I add the amount I'd like to deposit. The process will be more or less the same, irrespective of whether you pick an online casino Mastercard site or any other type of credit card. Before depositing with a credit card for the first time, I double-check to make sure the transaction isn't listed as a cash advance.
Step 3: Provide your details and confirm
After selecting the preferred payment method, I then add my payment details and click Submit. You may need to confirm your payment via a pop-up or by confirming via your mobile. Once this is completed, you will see your casino account balance updated with your chosen amount. With this, you are now free to play real money slots and table games at your casino.
💡 Expert tip: Always be mindful of how much you deposit with a credit card, as that money is borrowed and, win or lose, you will have to pay it back. I advise against using a credit card for casino deposits, but if you do, try a low minimum deposit casino to keep your deposit as low as possible.
The tricky part: Can you withdraw winnings with a credit card?
The short answer is not exactly. Most casinos that accept credit card deposits don't offer credit card withdrawals. There are a few that do, but they are few and far between. Even if some of them do, they might charge a fee.
Playing it safe: Protection when you gamble online
Online sweepstakes and real money casinos invest heavily in security to protect players' personal and payment details. Here are the key safeguards you'll find when using credit cards online:
State-of-the-art encryption – Casinos secure your personal and payment details with SSL/TLS encryption and tokenization, which replaces sensitive card data with random codes during transactions.
Fraud detection & ID verification – KYC checks confirm the card belongs to the player, helping prevent card-not-present (CNP) fraud. Casinos also employ device fingerprinting, behavioral analysis, and transaction monitoring, along with optional two-factor authentication (2FA) for added security.
Regulatory oversight – Casinos must comply with PCI DSS, the global standard for the storage and handling of card data. Each jurisdiction adds its own rules, and violations can result in both lost trust and revoked licenses.
Credit card protections – Payment providers use 3D Secure (3DS) to verify transactions, typically through a one-time SMS code or a bank app approval, adding another layer of fraud prevention.
💡 Expert tip: You will know if you are visiting a secure site, as indicated directly to the right of your address bar. Usually, if a site is encrypted, a padlock will appear to the left of the website link. Alternatively, the link will begin with https://
Responsible gaming and credit cards
Online gaming is intended for entertainment purposes only. Reputable sweepstakes and online casinos provide responsible gaming tools to help you play within your limits and maintain a sustainable budget.
What I look for in a responsible casino
Spending limits – set a cap on how much you can wager
Deposit limits – restrict how much you can load into your account
Time limits – control how long you play in one session
Cool-off period – take short breaks from play
Self-exclusion – block access for more extended periods
Bet limits – e.g., Stardust Casino allows players to set a maximum bet per game, a rare but valuable feature
Extra caution with credit cards:
Playing with borrowed money increases risk compared to other methods.
Deposits may be treated as cash advances, leading to fees (~5%) and high interest rates with no grace period.
Missing repayments will damage your credit score.
Always play what you can afford to repay immediately.
💡 Expert tip: You can also set transaction limits with your card issuer to better manage your credit card spending.
No card? No problem: Alternative casino payment methods
Due to the additional financial risk associated with credit cards, we advise using alternative casino payment methods. Here are some top options from our team.
Debit cards
Debit cards connect directly to your checking account, so you can only spend what you have, helping you avoid debt. They're low-cost, with little to no fees, but they offer weaker fraud protection compared to credit cards.
Pros
Low or no fees
No interest charges (not borrowing money)
Helps avoid debt
Cons
Fraud protection is weaker than with credit cards (money leaves your account immediately)
Overdraft fees can apply if your bank allows spending beyond your balance
No rewards or cashback programs
Casino pick: Fortune Coins Casino
💡 Expert tip: Report unauthorized debit transactions quickly, within 60 days, or you could be liable for the full amount.
ACH (Automated Clearing House) transfers let you deposit directly from your bank account into your casino wallet. They're ideal for players who prefer traditional banking over card or e-wallet payments. Transactions are secure, but processing can take 1–3 business days.
Pros
No card needed
Low fees or free transfers
Highly secure via your bank
Cons
Slower processing times (1–3 days)
May require bank verification
💡 Expert tip: Use ACH for larger deposits or withdrawals to avoid credit card cash advance fees.
PayPal
PayPal acts as a virtual wallet, protecting your card details. Deposits are instant, and withdrawals to PayPal are fast, though moving funds to your bank can take 1–3 business days (or instantly with a 1.7% fee).
Pros
Extra layer of protection for your bank and cards
Fast deposits and withdrawals to your PayPal account
Easy-to-use interface
Cons
Bank withdrawals can be slow (1–3 days) or costly (instant fee ~1.7%)
A common phishing target
Not all casinos support PayPal
Casino pick: High 5 Casino
💡 Expert tip: Always check the URL when logging in. Phishing scams often use fake PayPal sites to steal credentials.
Apple Pay lets you store and use debit/credit cards directly on your iPhone or other Apple devices. Apple Pay makes casino deposits instant and seamless; it is available in 90 countries and supported by 11,000+ banks.
Pros
Extremely convenient and mobile-friendly
Strong security through device verification
Instant deposits
Cons
Only works for Apple users
Rarely supported for withdrawals
Casino pick: Funzpoints Casino
💡 Expert tip: Apple Pay is ideal for quick mobile deposits, but always keep a backup withdrawal method, such as PayPal or bank transfer.
Venmo lets you make instant casino deposits straight from your Venmo balance or linked bank account. It's secure, fast, and increasingly supported by major casino operators.
Pros
Instant deposits and fast withdrawals
User-friendly mobile app
Trusted by millions of US users
Cons
Not accepted at all casinos yet
Transaction limits may apply
💡 Expert tip: Link your Venmo account to your debit card for faster withdrawals.
Casino pick: BetMGM
Crypto
Cryptocurrency is digital money that operates independently of banks or governments. It allows fast, borderless transactions and gives you more control over your funds, but prices can be volatile, and security depends on how well you protect your assets.
Pros
Fast, global transactions
No banks or intermediaries needed
Potential for high returns
Cons
Highly volatile, so prices can rise or fall quickly
Irreversible transactions (mistakes can't be undone)
Requires secure storage (risk of hacks or lost keys)
Casino pick: Stake.us – Safety Index 7.9.
💡 Expert tip: Use a hardware wallet or trusted exchange to protect your crypto from hacks and scams.
William is a seasoned gaming expert who focuses on real-money and sweepstakes casinos. He helps players cut through the noise with honest, experience-based advice. William believes in transparency and highlights safety, honest terms, and real value to help you choose casinos you can rely on.
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Andy leads Casino Guru's English-language content team and draws on over 14 years' experience in online gaming. He reviews every guide and review to ensure it's clear, accurate, and fair. Andy champions content that helps players make safe, informed choices and holds casinos to high standards.
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