Online Casinos That Accept Us Credit Cards

Credit cards are one way they can add funds to and cash out winnings from online casino accounts. But not all of them are allowed to use. US players should check this with the online casino they wish to play at. Mobile Casinos with Credit Cards. All mobile casinos allow casino fans to use credit cards.

Credit cards support fast, safe, and instant deposits. For those reasons, all of the best online casinos accept credit card deposits.

Most casino sites accept Visa and MasterCard, while many US gaming sites accept American Express as well.

Read this guide to credit card deposits to learn all the pros and cons of this banking method.

Players who are considering debit card deposits might want to compare and contrast their options. Keep reading for the pros and cons of using debit card, gift card, and prepaid cards for online casino deposits, too.

Once you’re finished reading this page, you’ll have everything you need to choose the best credit card casino for you.

Best Credit Card Casinos Online

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Why Use A Credit Card To Deposit At An Online Casino

Credit card casinos have many benefits. Players should consider these when deciding whether to make a deposit at an online casino with their Visa, MasterCard, or Amex card.

• Safe deposits: Paying with a credit card means deposits have world-class online security and safety.
  
• Funds creditedimmediately: Deposits arrive instantly. You’ll be playing for real money within moments.
  
• High acceptance rate: No other payment methods are accepted at more online casinos.
  
• Larger deposit limits: Visa, MasterCard, and American Express have high deposit limits compared to other banking methods.
  
• Cashback Programs: Using credit doubles-up your rewards, because you’ll get cashback from Visa, MasterCard, and Amex along with your welcome bonus.

One drawback of this banking method is that credit card companies do not always allow withdrawals with their cards. Players should consider they’ll need a bank wire transfer or courier check for their payout, which often costs a fee.

How To Make A Credit Card Deposit At An Online Casino

1. Create an Account: Click on the “Deposit Now” or “Join” button on the casino’s homepage. Fill out the registration form, then click on the verification email to create your account.


2. Head to the Cashier Page: Log in to your player account. Click on the cashier page link, which shows the available deposit methods.


3. Pick Your Deposit Method: Choose Visa, MasterCard, or Amex. Choose a deposit amount, then confirm the payment.


4. Verify Your Credit Card: Verify your identity by sending your credit card information to the cashier department. You won’t be asked to give your CVV.


5. Play for Real Money: Once the deposit happens, accept the welcome bonus, pick your favorite casino game and then start playing for real money.

Top Casino Sites That Accept Credit Cards in 2020

Low Deposit Credit Card Casino

Popular Cards You Can Use At Online Casinos

Players have a lot of good credit card deposit options. Some credit card brands are more commonly accepted than others. We go over the pros and cons of each credit card payment type below to help players choose which card to use and show them what issues they might face.

• Visa Deposits

Visa is the largest credit card network in the world, so it’s accepted by more online casinos than any other deposit method. It’s also the payment method with the highest deposit limits, so Visa credit is a good option for high rollers. Visa’s also got great rewards programs.

One drawback is that many online casinos don’t accept Visa as a withdrawal method.

• MasterCard Deposits

MasterCard is the second-largest credit card network in the world, so it’s no surprise it’s the second most popular online casino deposit method. Like Visa, MasterCard is accepted in thousands of sites worldwide, including all of the casinos we review.

MasterCard competitive rewards programs, while its identity theft protection and zero fraud liability programs work for all users. Unfortunately, MasterCard withdrawals are fairly rare at online casinos.

• Amex Deposits

For many years, American Express wasn’t a common deposit option at online casinos. More gaming sites now accept Amex deposits each year, so this is a viable payment method now.

Still, players will find that fewer casinos accept Amex deposits than Visa or MasterCard. If you use American Express for casino deposits, the cashback rewards will be second to none.

• Discover Deposits

Discover Card is the fourth largest US credit card network. Discover has competitive rewards programs, while it has a number of started cards for consumers who’re trying to build their credit score.

On the other hand, Discover isn’t supported as a deposit method at nearly as many online casinos as Visa, MasterCard, or Amex.

Beyond their ban on international payments, gaming sites have specific codes which Discover sometimes flags. If you have issues, call Discover’s customer support staff to see if they’ll approve deposits to your chosen casino site.

• Visa Gift Card Deposits

Visa gift cards are a great way to make an online casino deposit. Visa gift cards are anonymous, so you don’t give out banking information or credit card information if you don’t want to. This gives players an additional layer of security.

The drawback is you won’t receive credit card rewards like Visa credit offers. Also, gift cards are for deposits only.

• Debit Card Deposits

Debit cards, prepaid cards, and gift cards are a great way to make casino deposits. If your bank issues a MasterCard debit card, you can use it for online casino payments.

Most outlets that sell Visa debit cards also sell MasterCard and American Express gift cards and prepaid cards. These offer an anonymous, safe, and fast way to fund your casino player account. One drawback is that debit cards don’t support casino withdrawals.

Now You’re Ready To Make Your First credit card casino deposit

Credit cards are the most common way players fund their online casino accounts. Any gaming site that’s worth your time will accept Visa and MasterCard deposits. Because they handle more online payments than any other method, credit cards have the best identity theft and fraud protection in the world.

With so many credit card payment options, it’s really a matter of picking the credit card that gives you the most benefits. Now that you know the pros and cons of credit card and debit card deposits, create an account at one of our recommended online casinos today.

All Your Questions About Credit Card Casinos

1. Is it safe to make a credit card deposit at an online casino?

Yes. It’s safe to make a credit card deposit. Between Visa, MasterCard, and American Express, the credit card networks handled 263.8 billion transactions in 2018. They are the world’s experts at electronic payment security.

In fact, players receive two levels of security. Online casinos use 128-bit encryption and SSL certificates to ensure deposit security. Beyond that, online casinos have third-party auditors test their systems for fairness and security.

2. Is it legal to make a credit card deposit at an online casino?

Yes. It is not illegal to make a credit card deposit at casinos sites. This is seen as a payment made to any other online vendor, so credit cards seldom decline payments to a casino site. If they do, read our tips below for what you do when a credit card declines.

Countries that ban online gambling are more concerned about withdrawals, because these are winnings from bets. That’s why credit card groups don’t support online casino withdrawals in every country. If gambling is unregulated in your country of residence, you’ll need to use alternative payout methods like bank wire transfers, check by courier, or Bitcoin.

3. Why was my credit card rejected?

Payments to betting sites have a specific code. Some banks and financial institutions flag that code and reject a credit card transaction to that website. If your credit card declined at an online casino, that’s the most likely reason.

Keep in mind that a credit card company like Visa, MasterCard, or American Express is not a single institution. Instead, each one is a network of thousands of banks and financial institutions. Visa includes over 20,000 participating banks.

Individual financial institutions issue credit cards, so your credit card won’t be issued by the same bank that issued other online casino players’ cards. The bank issuing your card makes the final decision. Deposits to offshore online casino sites are international payments, so banks might flag international payments.

That’s especially true of certain credit card brands. Amex and Discover card have different policies regarding international payments than Visa or MasterCard. Discover Card doesn’t allow international transactions unless you call Discover and personally approve the payment.

If your card declines, you should call your credit card’s call center and talk to their customer support. Be prepared to verify your identity, then tell them you approve the transaction. This might solve your issue.

4. Are there any fees involved?

Most of the online casinos we review do not charge a fee for a credit card deposit. Fees are more likely in the cashout process, which usually doesn’t involve Visa, MasterCard, or Amex. In fact, you’ll collect cashback and rewards for making credit card deposits.

It’s once your make a withdrawal that you’ll incur fees. If you can’t withdraw using a credit card and you subsequently choose a payout method like a bank wire transfer or courier check, this requires a fee. Examples of checks by courier are UPS and FedEx, so you have to pay for these deliveries.

5. How fast are funds credited into my casino account?

At the best online casinos, funds appear in your casino account instantly. If there are delays at all, the funds will appear within minutes. Don’t expect a credit card deposit to take more than 15 minutes to appear in your account – if any time at all.

The withdrawal process is where you can expect a delay. Since they’re paying winnings, online casinos want that money to go to the right person. This means they have a verification process, while the banking method also verifies your identity. Delays can be 24-48 hours for some withdrawal methods up to 5 to 10 business days for other payouts.

Credit card gambling sites are simply online casinos, sportsbooks, or poker rooms that accept credits cards as a method of funding a player’s betting account. It can also be equated to using your credit card as a cash advance for betting purposes as online sportsbooks don’t offer credit like some brick and mortars.

To make things easier for you, we’ve compiled the above list of some of the best sites that provide the best credit card banking system for their players.

Types of Cards

Most of the sites that we review accept Visa first and foremost, but Mastercard is close behind. Other more frequently offered card payments include:

The prime areas that the site services determine the cards that are accepted but, for US and UK sites, Visa and Mastercard will rank the highest.

Why Are Credit Cards So Popular for Online Betting?

There are many ways to fund betting accounts these days, as it seems like new financial services are popping up monthly, but most customers have at least one credit card.

On the merchant’s end, credit card acceptance is typically at the top of their list banking methods as these sites want to cater to as many potential bettors as possible.

Unlike the US, in locations like the United Kingdom, where online betting is legal as long as the site is licensed by the UK Gambling Commission, credit card acceptance is practically a slam dunk. Players will still come across a few banks here and there that may decline an online gambling transaction anyway, but most people shouldn’t have a problem.

Don’t Present That Card Just Anywhere

You may have your Visa in hand ready to buy some chips or spin those reels, but you don’t want to use a credit card with the first site that pulls up on your search. You’ll want to factor in reputation, fee structure, and payout processing into your decision-making process.

Credit or Cash Advance?

Using a credit card is essentially taking a cash advance from your bank or credit card provider and, even though most transactions aren’t recorded that way for everyday purchases, gambling may trigger an additional cash advance fee.

It’s entirely up to the issuer of the card, but they can code your transaction as a cash advance and tack on those higher interest rates that accompany that additional service. It can get pricey for players who use a site that charges for the transaction and then have their bank apply cash advance fees as well, so credit card use may be the easiest, but it’s certainly not the cheapest.

The Fees

Putting aside the APR (Annual Percentage Rate) that banks charge monthly for any carryover of a balance, the casino, sportsbook, or poker room may also tack on some costs of their own.

This is a more common practice with sites that allow for players from the United States. You’ll find that the UK or European servicing websites that prohibit US registration are much more generous in their banking policies and are typically fee-free.

The mention of any charges being assessed for credit card use may bring to mind withdrawal fees but, believe it or not; some sites charge players to transfer into their betting account as well. One well-known sportsbook charges 5.9% just to make a deposit using Visa or Mastercard, and then there are other costs added to the reverse transactions as well.

One other thing to take into consideration is the way you’re initiating your deposit. A fee-free designation or the posted rates, if there are any, apply to transactions made using the automated system hosted within the website. This is the most straightforward method as players can input their card information, the amount they want to transfer, and then the bank makes its approval decision, all within seconds.

If on the other hand, you go to the customer service department and make a charge by phone request, you could be looking at extra fees. It’s not uncommon, even for a betting sites that offers free banking, to charge something for payments by phone.

There’s one other fee that could be assessed depending on your location and that of your chosen gambling site, and that’s the international service fee. In some cases, you could be charged a percentage of your deposit and/or withdrawal for currency exchange.

Turnaround Time for Credit Card Transactions

One of the benefits of using a credit card to transfer money to a gambling site is the speed of the transaction, at least for deposits. Payments made using the automated system are approved (or denied) in a matter of seconds, and that money is then immediately made available for betting use.

Payouts, on the other hand, are an entirely different story. We’ll get more in depth with withdrawals in a moment but, but credit card payouts are not always an option.

The websites that do allow for those reverse transactions still take much longer than instant deposits that are just so appealing.

Cashing out any winnings first has an internal approval process by the sports betting cashier attached to make sure that any bonus wagering requirements have been met and that the payout is in line with its policies.

Then, there could be another waiting period as the payment request is sent to the credit card provider for processing. Some websites will promote fast turnarounds within a few days, but some have as high as a 7-10 business day window before you’ll have cash in hand or, more accurately, “cash on card.”

Non-Credit Card Payouts

Sports betting sites require their customers to use the same method for both deposits and withdrawals but, in the case of credit card users, that’s not always an option. If we had to estimate, we’d say that only about 40% of sites will offer credit card payouts and they’re usually not the ones that allow US players to join.

If your chosen gambling provider doesn’t allow for credit card payouts, the default method is generally a check or some bank or wire transfer which, in both cases, will hold up your payment anywhere from a few days to a few weeks, so know these requirements before depositing with a credit card.

The 7995 – AKA the Challenge For US Players

The legality of online gambling for US players has never been well defined, so that everyone would be on the same page. But, the one highly referenced act, the Unlawful Internet Gambling Enforcement Act of 2006 is the one that sent US-based online gambling providers packing.

Although they moved their physical operations, where does that leave players?

Well, the act doesn’t state that online gambling is illegal. What it addresses is the payment processing for internet betting, directly targeting banks and the operators but not the customers who use the services.

Credit card companies use a coding system involving a list of merchant codes that, in the most general terms, defines the purchase being made. For example, if you paid for a meal in a restaurant, it would fall under the “dining” code.

When there was nothing on the books officially allowing for online betting anywhere in the US, transactions were categorized under one main code, 7995.

The New Jersey, Nevada, And Delaware Effect

In 2013, when online gambling was officially legalized in the states of New Jersey, Nevada, and Delaware, players and operators still faced the challenged of the dreaded 7995. Even though the transactions should have been approved, financial institutions retained the blanket decline without any further investigation.

As you can imagine, that did not sit well with the casinos or the customers so, in 2015, new codes were added by Visa, Mastercard, Discover, and American Express to define further the transaction that was initiated.

The three new codes categorized the following:

• Government-run online lotteries
• Regulated online casinos
• Regulated events for online horse and dog racing

Mastercard also has a newer code that is used for cash advances for legal gambling.

This doesn’t open up approvals across the board but does allow for easier use within the state lines of Nevada, Delaware, and New Jersey.

Non-Direct Use Of Credit Cards

Even if you aren’t able to use your credit card for a straight deposit into a betting account, there are still some ways you can use it, and you may even save yourself some money by taking a different route.

These days, gambling sites have expanded their menus, adding to the traditional credit card and wire transfer methods to include e-wallets like Skrill or PayPal as well as Bitcoin. Bitcoin has become one of the more favored ways to conduct financial transactions as there isn’t an overseeing authority designating how you can and can’t use your money.

Can be funded with a credit card by using an exchange company like Coinbase. You set up your credit card and transfer in from your local currency, and it can then be exchanged to Bitcoin and put into your wallet for a direct transfer to any sportsbook or casino that takes this cryptocurrency.

In some cases, depending on your “between” method used, you could save yourself some fees that the sportsbook may apply to credit card transactions.

Bitcoin Betting Sites Evolving into Credit Card Sites

In 2014, Bitstarz became the first Bitcoin-only casino to start taking credit cards. It may seem like an odd thing to do because Bitcoin allows for such easy deposits and withdrawals, but if you think about it, it makes sense.

Credit cards have a higher acceptance rate for deposits than payouts and players don’t want to wait weeks to receive a check in the mail or be made to set up a bank transfer.

Accepting credit cards for deposits and then converting to Bitcoin for withdrawals allows for nearly instant transactions in both directions for the customer, as well as a way to put some Bitcoin away for investment purposes. If cash in hand is needed quickly, though, an exchange service can also transfer that Bitcoin to your designated traditional currency and put it in your bank account or credit your card.

Debit, Prepaid, And Gift Alternatives

We’re talking specifically about credit cards here, but there are plenty of similar card alternatives that may offer easier acceptance and lower fees.

Online Casino Credit Card

Debit cards have been used as long as credit cards in the world of online betting and usually go hand in hand with the credit card structure. So, instead of saying credit cards and debit cards are allowed, the site may just put all Visa designated cards, Mastercard and Maestro into one category. The fee structure is typically the same, and the acceptance is still in the hands of the bank or card provider.

Gift and prepaid cards that have the Visa designation or are provided by another primary card company will usually come with the same charges attached, if any, but may allow for easier approval.

These types of non-credit based cards act as cash transactions as the prepaid cards are loaded with a designated amount of money and your debit card is pulling directly from your checking account based on your available balance.

The Benefits to Credit Card Gambling

• Speedy deposits so you have your money available for betting in an instant
• Allows for currency exchange
• Many players have at least one credit card
• Depending on available card credit, you can keep overspending at bay
• Outside of the US, most credit card transactions into a casino, sportsbook, or poker room are free
• Can use credit cards to fund alternative methods like e-wallets or Bitcoin

The Downside to Credit Cards

Online Casinos That Accept Us Credit Cards Card

• Not always offered as payout alternatives
• The approval is up to the card issuer and not always tied to your available balance
• US players have a much smaller chance of being approved
• Banks can consider your transaction to be a cash advance and charge you a higher percentage rate
• Casinos, sportsbooks, and poker rooms may charge fees for credit card use and a higher rate for international transactions
• You can bet above your means and you’re using money you have to pay back