The best paying online casinos offer quick withdrawals, large bonuses, and games with high return to player (RTP) rates.
You’re never guaranteed to win at an online casino, as the results are always random. However, you can boost your chances of success by signing up with the best online casinos that payout.
This guide highlights the online casinos with the highest paying games, the fastest payouts and, the largest bonuses.
Best Paying Online Casinos in January 2025
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Fastest Payout Methods at Legal Online Casinos
The best paying online casino sites offer a wide range of secure withdrawal methods. However, some are faster than others. We have rounded up some of the fastest options at your disposal.
Debit and Credit Cards
You can withdraw via your debit card at the best online casinos. When you make a deposit, the online casino will save your Visa, MasterCard, or Discover details. You can then withdraw funds to the bank account linked to your saved card. This can be a quick payout option if your bank supports services like Visa Direct or MasterCard Send.
- Fastest casino(s) for this payout type: FanDuel. This online casino approves most payout requests within an hour. Once approved, debit card withdrawals will process in as little as one hour.
VIP Preferred
VIP Preferred is an electronic check (e-check) provider. The funds are sent via the Automated Clearing House (ACH). It is similar to sending a paper check, but far quicker.
- Fastest casino(s) for this payout type: Caesars Palace Casino. This online casino processes payout requests on a 24/7 basis, and they are often approved within an hour. If you request an e-check, the funds should arrive in your account the following day.
Play+
The best online casinos offer branded Play+ cards. They are prepaid cards, which allow you to make instant deposits and rapid withdrawals at an online casino. You can use your Play+ card to withdraw cash at an ATM or to buy items at a store. Alternatively, you can transfer funds back to your bank account for a small fee.
- Fastest casino(s) for this payout type: BetRivers. This online casino has an automated payout system called RushPay, which approves more than 80% of payout requests immediately. The funds will then be transferred to your Play+ card, and they should appear instantly.
Bank transfers
Online banking is a popular withdrawal method among casino players. However, withdrawal speeds depend on your bank. Some banks support rapid transfers, and the funds will appear in your account within an hour. However, some banks are slower to process incoming payments, so transfers can take up to five business days.
- Fastest casino(s) for this payout type: FanDuel. Most withdrawal requests are approved within around one hour at FanDuel Casino. The funds will then arrive in your bank account in less than an hour if your bank supports fast transfers.
Apple Pay
You can use the debit cards, credit cards, or prepaid cards stored in your Apple Pay wallet to deposit funds at certain online casinos. Your online casino will then store your card details, allowing you to withdraw to that card via Apple Pay.
- Fastest casino(s) for this payout type: DraftKings. It can take one day to receive your funds after requesting a withdrawal via Apple Pay at DraftKings Casino. However, payouts are often quicker than that.
PayPal
PayPal is one of the quickest withdrawal options for online casino players. The funds should arrive in your PayPal account within a matter of minutes after your payout is authorized.
- Fastest casino(s) for this payout type: BetRivers. The automated RushPay system approves most withdrawal requests immediately. The funds then will be sent to your PayPal wallet, and they should appear within minutes. This automated payment system makes BetRivers one of the best online casinos for fast payments.
Cash at the Cage
Some online casinos allow you to make deposits and withdrawals at the casino cage. It could be a casino owned by the parent company. For example, you can visit MGM Grand Detroit to fund your BetMGM Casino account. Alternatively, it could be a land-based casino that your online casino has partnered with. For instance, bet365 accepts cash at the cage at Hard Rock Casino in Atlantic City.
- Fastest casino(s) for this payout type: Caesars Palace Casino. Most online casinos have similar payout speeds if you opt for cash at the cage. However, we decided to highlight Caesars, as parent company Caesars Entertainment has more retail locations than rival sites.
Venmo
Venmo is another popular digital wallet among online casino players. You can use Venmo to make instant deposits and fast withdrawals at the best paying online casino sites. While it is not as widely available as PayPal, leading sites like FanDuel, BetRivers, and DraftKings all support Venmo.
- Fastest casino(s) for this payout type: BetRivers. The RushPay system will automatically approve most requests, and the funds will be sent to your Venmo wallet straight away. They should then appear in minutes, provided there are no technical issues with Venmo.
Top Casinos by Win Rate and Payout
We set out to find the online casinos that offer the best average RTP rates. This is a tricky task, for several reasons:
- The best online casinos host thousands of games. New games are added on a weekly basis, so each site’s average RTP rate is always changing.
- Online casinos also host different games on a state-by-state basis. For example, the average RTP at BetMGM Casino in Michigan will be different to the average RTP at BetMGM Casino in Pennsylvania.
- Table games have far higher RTP rates than slots. As such, online casinos with a large range of slots would be unfairly punished. For example, BetMGM has more than 5,000 slots in some states. That could lead to the site performing poorly, despite offering a larger and more diverse range of games than rivals.
We were mindful of those issues, so we took a different approach. Here’s the methodology we used:
- First, we identified the top 10 online casinos in the United States by market share.
- Our researchers then found the five games with the highest RTP rates and the five games with the lowest RTP rates at each site.
- Additionally, we took 10 games from each online casino’s “Most Popular Games” or “Hottest Games” section.
- That left us with a cross-section of 20 games from each site. We then calculated the average RTP rate of those games.
- We focused on each online casino’s New Jersey site, since those game libraries tend to be the biggest. For example, BetRivers has around 2,850 games in New Jersey, compared to 1,150 in West Virginia.
- However, the games we used for this comparison were typically available in every state.
With all that in mind, these are the five online casinos that performed the best:
1. Monopoly Casino – Average Win Percentage 96.32% 
Monopoly Casino offers a strong range of blackjack and video poker games, which have high RTP rates. You will also find slots with high theoretical payout rates, including Monopoly Big Event (99%) and Blood Suckers (98%).
This online casino also promotes games with competitive RTP rates in its “Top Slots” and “Featured” sections. For example, we found games like 10,000 Wonders 10k Ways (96.16%), Fish ’Em Up (96.11% RTP), and Hyper Gold Link and Win (96.08%). Most rivals highlight games with below-average payout rates in their “Top Games” and “Featured” sections, so it’s refreshing to see Monopoly Casino taking a different tack.
- Highest RTP Slot: Monopoly Big Event (99%)
- Highest RTP Table Game: Game King (Deuces Wild) (99.72%)
- Lowest RTP Slot: Big Bass Catch Fishin’ Megaways Jackpot Royale (93.49%)
- Lowest RTP Table Game: American Roulette (94.74%)
2. BetRivers – Average Win Percentage 96.23%
BetRivers is another site with a large selection of blackjack and video poker games. There is an exclusive single deck blackjack game, which has a high payout rate, and you’ll also find titles like Blackjack Xchange and Blackjack with Surrender.
This online casino has a “Top Slots” section, which highlights games with solid RTP rates each week. When we visited the site, we found BetRivers promoting games like 88 Fortunes (96.6%) and Cerberus Gold (96.2%). The lowest RTP game was Charming Lady’s Boom (95%), whereas many rivals were promoting several games with RTP rates of around 94%.
- Highest RTP Slot: Monopoly Big Event (99%)
- Highest RTP Table Game: BetRivers Single Deck Blackjack (99.8%)
- Lowest RTP Slot: Triple Gold Bars (92.4%)
- Lowest RTP Table Game: American Roulette (94.74%)
3. PlayStar – Average Win Percentage 96.22
PlayStar offers several high RTP blackjack and video poker games. At the other end of the spectrum, there are a few slots with RTP rates of 94% or less. However, PlayStar doesn’t have as many of those games as its competitors.
There is a “Top Picks” section, which predominantly highlights slots with an RTP of around 96% or more. The games included 88 Fortunes (96.6%), Jumanji (96.33%), and Super Stars (96.08%) when we tested out the site.
- Highest RTP Slot: Blood Suckers (98%)
- Highest RTP Table Game: Game King (Deuces Wild) (99.72%)
- Lowest RTP Slot: Triple Gold Bars (92.4%)
- Lowest RTP Table Game: American Roulette (94.74%)
4. DraftKings – Average Win Percentage 96.16%
DraftKings offers a huge range of exclusive table games. Many of these games have very high RTP rates, such as DraftKings Bingo Blackjack (99.86%) and DraftKings Single Hand Blackjack (99.62%).
The app hosts a large variety of slots, ranging from 92.4% to 99% RTP. DraftKings Casino’s “Top Slots” and “Weekly Picks” sections typically feature games with decent RTP rates. We found games like Buildin’ Bucks (96.2%) and Cerberus Gold (96.2%), although Lucky Fire Blitz (94%) dragged down the average.
- Highest RTP Slot: Monopoly Big Event (99%)
- Highest RTP Table Game: DraftKings Bingo Blackjack – 99.86%
- Lowest RTP Slot: Triple Gold Bars (92.4%)
- Lowest RTP Table Game: American Roulette (94.74%)
5. Hard Rock Bet – Average Win Percentage 96.07%
Hard Rock Bet rounds out the top five after finishing narrowly ahead of Caesars Palace Casino in our testing. The app offers loads of high RTP table games, including Blackjack Switch (99.92%). That game is rarely available, so we were pleased to find it as Hard Rock.
There are plenty of high RTP slots too, including Monopoly Big Event, Dr. Jekyll Goes Wild, Blood Suckers, and Codex of Fortune. The “Must Try” section highlighted a couple of games with low payout rates during our testing: Power Chords Rising (94.01%) and Mystery of the Lamp Treasure Oasis (94.22% RTP). However, games like Blue Wizard (96.5%) and Hypernova Megaways (96.1%) brought the average RTP rate up to a respectable total.
- Highest RTP Slot: Monopoly Big Event (99%)
- Highest RTP Table Game: Blackjack Switch (99.92%)
- Lowest RTP Slot: Triple Gold Bars (92.4%)
- Lowest RTP Table Game: American Roulette (94.74%)
Games To Watch For at the Best Payout Online Casinos
This section highlights the games with the best RTP rates. We will also explain how to unlock the maximum RTP on each game.
Slots
The average RTP rate for an online slot is approximately 96%. That is far higher than the payout rates on physical slot machines. For example, slot machines on the Las Vegas Strip had a 91.9% payout rate in 2024, according to the University of Las Vegas Center for Gaming Research.
However, certain online slots have far higher RTP rates. The best games include Mega Joker (99%), Monopoly Big Event (99%), Dr. Jekyll Goes Wild (98.2%), Blood Suckers (98%), Codex of Fortune (98%), and Starmania (97.87%).
There are a couple of caveats. Some of those games require you to activate a feature, such as “Buy Bonus” or “Big Bet,” to unlock the full RTP rate. Others require a degree of strategy, such as Mega Joker, which has a Supermeter mode. The simplest slot with a high RTP rate is Blood Suckers.
Blackjack
Blackjack is one of the best casino games for players seeking high RTP rates. The theoretical payout percentage should always be 99% or above. However, several factors can impact the RTP rate of a blackjack game:
- The number of decks used.
- Whether you can double down after splitting cards.
- Which cards you can double down on.
- If blackjack pays 3:2 or 6:5.
- Whether the dealer is required to stand on a Soft 17.
- If a late surrender is permitted.
- Whether you can re-split aces.
Single deck blackjack has the highest RTP rate. The ability to re-split aces, opt for a late surrender, double down on any cards, and double down after splitting cards will also improve the RTP percentage.
Some of the variants with the lowest house edge include Blackjack Switch (99.92% RTP), DraftKings Bingo Blackjack (99.86%), Vegas Single Deck Blackjack (99.69%), and Blackjack Xchange (99.63% if you don’t exchange).
However, you will only enjoy the full RTP rate if you play perfect blackjack. That means you need to learn when to hit, stand, split cards, and double down. For example, always split aces and 8s and always double down on 10 if the dealer is showing 9 or less.
Video Poker
Video poker is another casino game with an exceptionally high RTP rate. However, you need to learn which cards to hold and which to discard when building your hand. That’s the only way to unlock the full RTP.
These are the video poker games with the best payout rates: Deuces Wild (99.72%), Bonus Poker Deluxe (99.64%), Triple Double Bonus Poker (99.57%), Jacks or Better (99.54%). A video poker game called Game King offers all of those formats. That game is available at most leading online casinos.
Roulette
French roulette has a 98.65% RTP rate. That equates to a 1.35% house edge, which is lower than the house edge on European roulette (2.7%) or American roulette (5.26%). Here’s why French roulette has the best RTP:
- The wheel only has a single zero.
- If the ball lands on the zero, a rule called la partage earns you a 50% rebate on some French roulette games.
- On other French roulette games, a rule called en prison gives you the chance to win your stake back.
- If French roulette is unavailable, Double Bonus Spin Roulette is a good option. That game has a 98.06% RTP, which is a 1.94% house edge.
Craps
When playing craps, the RTP percentage depends on which bet you place. These are the betting options with the best theoretical payout rates:
- Don’t pass/don’t come (98.64%)
- Pass/come (98.59%)
- Place 6 (98.48%)
- Place 8 (99.48%)
You can also place a wager at “true odds” behind an open pass/come or don’t pass/don’t come bet. The amount you can wager depends on the game you play. For example, DraftKings Craps allows you to wager 6x your initial bet at “true odds,” with zero house edge. That means you can bring the RTP rate up to an impressive 99.81% on a don’t pass/don’t come bet.
How Quality Welcome Bonuses Impact the Best Payout Online Casinos
Bonuses play a major role in determining the best payout online casinos. Players can unlock several benefits by finding a site with attractive bonuses:
- These offers allow you to play games with house money.
- If you complete the playthrough requirements, you can cash out a profit.
- Bonuses can effectively reduce the house edge an online casino takes on its games.
- Claiming regular bonuses can improve your chances of cashing out a profit.
The best online casinos offer large sign-up bonuses. These bonuses come with low playthrough requirements. They also provide regular promos for existing customers, plus comprehensive rewards programs.
These are the bonuses you can claim at the highest payout online casinos:
Real Money Online Casino | ![]() Caesars Palace Online | BetMGM Casino | ![]() FanDuel Casino | ![]() BetRivers Casino | ![]() DraftKings Casino | ![]() Fanatics Casino | ![]() Golden Nugget Casino | ![]() PokerStars Casino |
No Deposit Bonus | n/a | $50 on the house | n/a | n/a | n/a | n/a | n/a | n/a |
Main Welcome Bonus | 100% first deposit bonus up to $2,500, plus 2,500 Reward Credits if you wager at least $25 | 100% first deposit bonus up to $2,500 | Play $1 and get $100 in bonus credits | Up to $500 back in bonus credits on any first day losses. | Deposit $5 and get $35 in bonus credits. Play $10 and get another $1,000 in bonus credits | Deposit $5, get $50 | 100% first deposit bonus up to $1,000, plus spin a prize wheel to win a guaranteed prize ($10, $50, or $1,000 in bonus credits) | 100% deposit match bonus up to $500 on your first, second, and third deposits (total bonus worth up to $1,500) |
Bonus Code? | TODAYCAS2500 | CASINOTODAY | Click To Claim | CASINORIV | Click To Claim | Click To Claim | Click To Claim | None needed |
How To Turn Bonus Into Payout | Complete a 15x playthrough requirement on slots | Satisfy a 1x playthrough requirement on the $50 no deposit bonus and a 15x wagering requirement on the main bonus | Complete a 1x playthrough requirement before cashing out | Complete a 1x playthrough requirement before cashing out | Complete a 1x playthrough requirement before cashing out | Complete a 1x playthrough requirement before cashing out | Satisfy a 10x playthrough requirement on the bonus credits | Earn 2 redemption points to convert $1 in bonus credits to $1 in withdrawable. The rate at which you earn redemption points depends on the RTP rate of the game you play |
How Do We Define Best Payout Online Casinos?
We focus on three key areas when seeking the best payout online casinos:
- The return to player (RTP) percentages of the games featured at the online casino.
- How quick and easy it is to get paid out at an online casino.
- The quality of the online casino’s bonuses. No deposit bonuses are best.
This page breaks down those three criteria in detail. We’ll highlight the online casinos that host the games with the highest RTP rates. You’ll also discover the sites with the fastest payouts and the most attractive bonuses.
What Is RTP, and Why Does It Matter?
Every online casino game has a return to player (RTP) rate. It tells you the return that a player with average luck can expect.
For example, if you play a game with a 95.8% RTP rate, you can expect $95.80 back for every $100 you wager. The results are always random, which means that some players will win, and others will lose. However, choosing a game with a high RTP percentage will theoretically boost your chances of success. That’s why experienced online casino players always check the RTP of a game before diving in.
Best Payout Online Casino FAQ
Regulated online casinos like Caesars Palace, BetMGM, and FanDuel pay out. They offer a range of convenient payout methods, including online banking, PayPal, Venmo, Play+, and debit card withdrawals. You can request a withdrawal at any time, and you should always receive a quick, secure payout.
Unregulated, offshore sites have a reputation for not paying out, which is why we do not recommend them.
Blackjack is the most winnable online casino game. Some variants have a house edge of just 0.14%, which is very low. However, you need to follow the optimal strategy to unlock the maximum RTP rate. That means you must learn when to hit, stand, split cards, and double down.
Anything above 96.5% can be considered a good payout percentage on an online slot. Games like Mega Joker and Blood Suckers have very high RTP rates. When it comes to blackjack, an RTP rate above 99.5% is attractive. If you like playing roulette, the French variant has the best theoretical payout rate (98.65%).
Monopoly Big Event has the highest RTP rate at US online casinos. This online slot has a 99% RTP rate if you activate the “Big Bet” feature. Mega Joker also has a 99% RTP rate if you enter the Supermeter mode and follow the optimal strategy. At social casinos, look out for Book of 99 by Relax Gaming. That slot also has a 99% RTP rate.
Yes, BetRivers pays out instantly. Parent company Rush Street Interactive has an automated payout system called RushPay, which approves more than 80% of withdrawal requests right away. PokerStars Casino also typically approves payout requests instantly or within a matter of minutes.
Yes, online slots really pay out. The slots at regulated online casinos like BetMGM and Caesars Palace have been independently certified for fairness and accuracy. The RTP rate on each slot highlights the payout a player with average luck can expect over a prolonged period of time.