One of the most popular ways to pay for your online gambling experience is with your credit card. Today, there are a growing number of states that have legalized and regulated online gambling of some description – and there’s no general ban on this payment method as long as the operator you play at holds a US gambling license.
There are lots of advantages to using plastic money at casinos and we are going to discuss these below. We’ll also let you know what the best credit card casinos are and give you a handy list of them so all you have to do is pick and choose.
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This is the most common method of paying for goods and services online in the United States. Almost everybody owns a a Visa, a MasterCard or American Express. This makes using them convenient at gambling sites as you’ll not have to open a new account, go through verification steps, or use third-party platforms.
Almost all gambling sites accept this payment method making it convenient for anybody to deposit in a secure way within seconds. When you use a credit card at a casino, the charge will be added to your monthly bill, and you can pay it later together with your other monthly purchases.
Here are the main advantages of funding your account ith this method.
The biggest advantage is their top-notch security. When you pay with your credit card at an online merchant the information is encrypted so that third parties cannot steal the information. Besides, banks and issuers often use two-factor authentication that gives added security to your transactions. All payments will have to be confirmed with a one-time code your bank sends you through text message or in-app notification.
Another great thing about online casinos that accept US credit cards is that most don’t charge you any fees for doing so. This is because when they debit your card, the transactions come with minimal costs for them. However, some smaller sites may pass on the transaction fees to you.
Here are the transaction fees charged by the main issuers:
Credit Card Issuer
Average Transaction Fees
1.29% + $0.05 to 3.29% + $0.10
1.39% + $0.05 to 3.29% + $0.10
1.5% + $0.10 to 3.15% + $0.10
1.58% + $0.05 to 3.28% + $0.10
Also, bear in mind that your bank or card issuer may charge you other fees and costs such as monthly or yearly fees. You may also accrue interest on your balance if you leave it unpaid for months.
Don’t use your credit card to gamble with money you haven’t got and avoid using it to chase losses. Make sure you budget your playing carefully and never forget to pay it off every month.
There are various brands that you can use in the US. But can you use all credit cards at a casino? Well, not all brands are readily accepted at online gambling sites. Here’s a breakdown of the best brands for all your gambling needs.
Established in 1958, Visa has become one of the most commonly accepted worldwide. Visa is a world leader in digital payments, offering excellent security and limited liability for all transactions. Almost all casinos accept Visas including debit, credit, and prepaid ones.
Today, you can use your MasterCard in 210 countries and territories around the world. The company was established in 1966 and is the chief competitor of Visa today. It has a great reputation, excellent security measures and international liability for fraudulent transactions. Similar to Visa, it is accepted in almost all online gambling sites throughout the US.
Amex is particularly popular in the United States, and you’ll not have problems using them at US-licensed casinos. However, international sites that are headquartered in Europe or the Caribbean will rarely accept Amex. The great thing about American Express is that they come with much higher deposit limits than Visa and MasterCard, so they are often the first choice of high rollers.
Despite being the third largest brand in the USA, not as many operators accept Discover. Some will take Discover though and similarly to Visa and MasterCard, there is no transaction cost involved when you deposit with this option.
All transactions on all of the above will be recorded and will affect your credit score. If you do spend a lot of money at online gambling sites and fail to pay the money off in full each month, this may affect your credit rating.
This is the easiest way to deposit into your account. All you need is the information displayed on your card and have your phone handy to receive the two-factor authentication code.
Here’s a step-by-step guide to making deposits:
Credit card deposits are instant so once the transaction is through, you can start gaming.
One of the biggest disadvantages is that they are often not accepted for withdrawals. None of the US licensed casinos we reviewed process withdrawals to your card. Some may let you withdraw to your Visa or MasterCard but only up to the value of the initial deposit.
In this case, you simply need to follow these steps:
These usually take around 2 days, but can be longer depending on the platform.
If you can’t withdraw your winnings this way then you will need to use an alternative method. You could set up a Skrill or Neteller account or alternatively, you can request a check to be sent to your address or go for a bank transfer.
If you choose an eWallet withdrawal method then you will be able to withdraw your funds more quickly than if you use bank transfer.
Just like any other payment method, there are advantages and disadvantages to using this as your preferred payment option. Here are the main pros and cons.
✅Very easy way to deposit
❌They can rarely be used for withdrawals
❌Depending on the state you live in, credit cards may be banned for online gambling
✅Easy to track your spending through the banks or credit card issuer’s app
❌Certain banks do not allow gambling transactions
✅No fees for depositing
✅Major credit cards are accepted in almost all casinos
There are plenty of dodgy sites out there. We review dozens of sites and only recommend trustworthy ones. Experts at Profitsquad go through a checklist to verify that each one we recommend does well on all fronts. When we come across shady businesses with bad business practices or rigged games, we’ll list them under our blacklisted casinos section.
Check through sites such as TrustPilot to see what feedback they have received from other players if you are thinking of playing at a site that we haven’t put on our list of best gambling sites.
Credit cards make the most convenient deposit options at US online casinos. Transactions come with top-notch security measures, they are instant and fee-free. Major brands such as Visa, MasterCard and American Express are accepted in all major US websites. The only downside is that sometimes you can’t withdraw this way and will have to set up an alternative withdrawal method.
Almost all US and international operators accept this payment method. Your best bets are Visa and MasterCard, but Amex is also widely accepted at US-licensed platforms.
Absolutely. All transactions are encrypted so that your details cannot be stolen by hackers. Two-factor authentication gives added security as each transaction is confirmed by a one-time code.
Unfortunately, most operators don’t process withdrawals to credit cards. This is certainly true for those that hold a US license, but you’ll have a hard time finding even offshore sites that do.
Visa and MasterCard are accepted on almost all platforms. Amex is also accepted on many gambling sites that offer their services to American players.
This depends on your bank and your credit limit. Generally, Amex offers the highest deposit limits.
Most transactions are free; however, some will charge a service fee. This information will be clearly displayed before you submit your request.
This depends on the casino. Generally, we can say that operators don’t like corporate credit cards and small business cards.