Credit Card Casinos

If you want an easy way to play online casino games for real money, credit cards are likely your go-to option.

Credit cards are one of the most popular deposit methods at online casinos, letting you fund your account instantly and jump straight into the action.

In this guide, we’ll walk you through everything you need to know about credit card casinos – from what they are and how they work, to the top gambling sites that accept credit card deposits and tips for safe and hassle-free play.

Whether you’re new to online casinos or an experienced player, we’ve got you covered with US-focused info and a casual, easy-to-understand approach.

What is a Credit Card Casino?

In short, it’s any real-money casino site where you can use a credit card (like Visa, Mastercard, Discover, or American Express) to put funds into your player account.

Accepting credit cards is standard practice at legal casinos in the United States, and using a credit card at an online casino works like any online purchase.

You enter your card number and details at the casino’s cashier, choose an amount, and confirm the transaction. Your funds appear in your casino balance immediately, so you can start playing without delay.

These platforms are popular because they make depositing money fast and straightforward, and as long as you have a credit card on hand, you’re ready to roll.

Best Credit Card Casinos in June 2025

To help you see key differences at a glance, here’s a table with our recommended credit card casinos and their features.

All of the above casinos are fully licensed in the US and offer secure credit card deposit options. Availability refers to states where the casino operates. Welcome bonus terms vary by state; check each site for current details.

Reviewing the Top Credit Card Gambling Sites

Below, we’ve rounded up some of the best real-money online casinos that accept credit cards as a banking method.

Let’s go over our top picks:

1. BetMGM Casino – Best Overall for Credit Card Users

Why BetMGM? It’s one of the biggest names in US online gaming, and it shines as a top credit card casino. You can use Visa, Mastercard, or Discover to fund your account with ease.

Deposits are free of charge and processed instantly. The minimum deposit is just $10, and there’s no hard upper limit (though you can set your own limit for responsible play).

BetMGM uses strong security measures (128-bit SSL encryption) to protect your card information. While credit card withdrawals are not available (as is standard), they offer convenient alternatives like instant debit card payouts via Visa Fast Funds or MasterCard Send.

Aside from smooth banking, the casino has hundreds of games, including exclusive slots and live dealer tables. New players can snag a 100% deposit match up to $1,000 with a credit card deposit.

It’s available in multiple states (NJ, PA, MI, WV, and more), making it an all-around top choice.

2. Caesars Palace Online Casino – Best for Rewards & VIP Perks

Why Caesars Palace? It not only accepts credit cards, but also pampers players with its Caesars Rewards loyalty program. You can deposit with Visa, Mastercard, or Discover in states like Michigan, Pennsylvania, West Virginia, and New Jersey.

If you want a trusted casino with great rewards and easy Visa/Mastercard deposits, this is a top pick. The minimum credit card deposit was recently lowered to $10, aligning with competitors.

One thing to note: in some cases (such as New Jersey), Discover or certain banks’ cards might not be accepted due to local banking rules. However, Visa and MasterCard are universally supported, so most players won’t have an issue.

Caesars Palace stands out for its ongoing rewards. Every wager you make earns Reward Credits and Tier Credits, which can be redeemed for casino bonuses or even benefits at Caesars hotels.

If you deposit by credit card, you’re eligible for the generous welcome bonus (a 100% match up to $2,500 or more).

High rollers are welcome here too. You can always contact support for help with large credit card deposits.

3. FanDuel Casino – Fast Deposits and Quick Payouts

Why FanDuel? This platform is famous for sports betting and fantasy sports, but its online casino is equally impressive.

They make it simple to deposit with major credit cards (Visa, MasterCard, Discover): just go to the cashier, choose “Credit/Debit Card,” and enter your details. Funds are added to your balance right away, usually with no fees.

The platform is known for its smooth user experience on both app and desktop, so even new players will find using a credit card straightforward.

FanDuel’s claim to fame is not just easy deposits, but also speedy withdrawals. While you cannot withdraw to a credit card, they offer fast alternatives like PayPal, online banking, and even debit card withdrawals that can hit your bank account within hours.

Players in states like NJ, PA, MI, and WV can enjoy the casino’s huge library of slots and table games. If you deposit with a credit card as a new player, you also qualify for the welcome offer. Click here to sign up and claim it.

4. DraftKings Casino – Big Bonuses and Game Variety

Why DraftKings? This is another heavyweight that makes depositing with a credit card a breeze.

Like its peers, Visa and Mastercard are fully supported, and many players report quick, hassle-free deposits using their credit cards. Discover is also accepted, though American Express might not be.

DraftKings stands out for its massive selection of games (including exclusive branded titles and live dealers) and some of the biggest multi-part welcome bonuses.

For example, new customers get a welcome package such as a deposit match plus free bonus credits or spins on top. It can be claimed with a qualifying credit card deposit (usually a minimum of just $5 or $10). Click here to sign up and claim the bonus.

In terms of banking, DraftKings Casino doesn’t charge fees for credit card deposits, but keep an eye on your card issuer’s policies (as with any site). Once you’ve played and want to cash out, you’ll have other options like ACH/eCheck or PayPal, since credit cards can’t receive payouts.

The casino operates in multiple states (NJ, PA, WV, MI, CT, etc.), and it’s a top pick if you want a trusted platform with excellent bonuses and you plan to use your credit card to get started.

5. BetRivers Casino – Best 24-Hour Credit Card Bonus

Why BetRivers? It is a popular online casino known for its player-friendly promotions and solid payment options. They accept Visa, Mastercard, and Discover credit cards for instant deposits.

There are no casino-imposed fees for using a credit card, and the minimum deposit is a low $10, making it very accessible. They also have an innovative RushPay system that can approve certain withdrawals instantly, though not back to your credit card.

What makes BetRivers shine for credit card users is its welcome bonus. They offer new players a unique “Second Chance” bonus, essentially reimbursing your net losses in the first 24 hours up to a certain amount (commonly up to $500). Click here to sign up now.

It’s a great safety net for newcomers. Just remember to use any provided promo code and meet the minimum deposit requirements to qualify.

The online casino is live in states like PA, MI, WV (and via sister-brand PlaySugarHouse in NJ/CT), and its combination of easy credit card deposits plus friendly terms makes it a top choice.

Honorable Mentions

Other top-notch US casinos that accept credit cards include Golden Nugget Online Casino, Borgata Casino, WynnBET Casino, and Barstool/ESPN Bet Casino.

They all support major credit cards for deposits and offer competitive games and bonuses.

How to Choose the Best Credit Card Casino

Here are some key factors and features to consider when choosing your ideal credit card casino.

Acceptance of Your Card Type: First and foremost, ensure the casino accepts the credit card you plan to use. All top choices take Visa and Mastercard, but if you intend to use Discover or Amex, double-check the banking page to see if those are listed.

Successful Deposit Rate: Certain casinos have higher success rates with banks than others. The platforms partnered with major brands tend to have well-integrated payment processing, meaning your credit card deposits are more likely to sail through without issue.

No or Low Fees: The best credit card casinos do not charge you a fee for depositing. All the ones we’ve listed have no deposit fee on their end. However, remember that your card issuer might charge a cash advance fee.

Secure & Licensed: This is non-negotiable – only play at casinos that are properly licensed in your state and have a strong reputation.

Fast & Easy Withdrawals: Since you know you can’t withdraw to a credit card, consider what withdrawal options the casino offers and how quickly they process payouts.

Good Bonuses & Promotions: If you’re depositing by credit card, you’ll want to get the most out of it. Look at the welcome bonus and ongoing promotions a casino offers. All our recommended platforms have substantial welcome bonuses. Also, consider loyalty programs.

Game Selection & Software: A site could have easy credit card deposits, but if it lacks the games you enjoy, you won’t be satisfied. Check that the casino offers a wide range of slots, table games, live dealer games, or whatever you prefer.

Customer Support: If you ever encounter an issue with your credit card deposit (or any account issue), responsive customer support is a must. The best casinos offer 24/7 support via live chat, email, and often phone.

Responsible Gambling Tools: Since credit cards let you deposit on credit, it’s wise to choose a casino that provides tools to help manage your spending. Look for features like deposit limits, spending trackers, time-out, or self-exclusion options.

Which Credit Cards Are Accepted at Online Casinos?

US online casinos accept the four major card brands: Visa, Mastercard, Discover, and (more rarely) American Express.

By far the most commonly used are Visa and Mastercard – every licensed online casino in the United States accepts them. These two giants are standard everywhere, so if you have such a credit card (or debit card), you’re all set to deposit.

Discover Card is also accepted at most online casinos. However, acceptance can vary a bit by state or platform. American Express (Amex) is the least commonly supported. Only a handful of online casinos allow Amex deposits, often just in specific jurisdictions. BetMGM Casino NJ is one known example that allows it​.

It’s worth noting that debit cards from major banks are usually processed through the same networks. This means that an online casino that takes credit cards will also accept debit cards tied to a checking account. The process is identical on the user end, and using a debit card avoids any concerns about credit debt or cash advance fees.

Using a bank debit card is a very popular choice for many players for exactly those reasons, and all the casinos we listed above support debit transactions as well.

Finally, keep in mind that some banks may decline or block gambling-related charges on their cards. By law, it’s legal for you to use credit cards at licensed casinos, but a few banks have internal policies about it.

This has become less common as online gaming gains acceptance, but if your credit card deposit doesn’t go through, the card issuer is usually the culprit (not the casino). In such cases, you can try a different card or an alternative method.

What to do if a Credit Card Deposit Fails?

If your credit card deposit is rejected or declines, don’t panic. Here are a few things you can do:

• Try a slightly different amount: Some users find success using an odd number if a standard amount doesn’t work. This can sometimes bypass automated fraud filters.
• Wait a few minutes and retry: It might be a temporary communication glitch. Spacing out attempts by 10–15 minutes can help​.
• Contact your bank: The transaction might be flagged by your bank’s security. A quick call to confirm you’re attempting a legitimate deposit can clear any hold.
• Use a different card: If you have another credit or debit card, give that a shot. Each bank has its specific policy.
• Choose another method: As a last resort, you can switch to an alternative deposit method like PayPal, an online bank transfer, or a prepaid Play+ card. You can always try adding your credit card again later if you prefer it.

Credit Card Gambling Tips

To make sure your time at a credit card casino is enjoyable and free of headaches, keep these in mind:

Check for Cash Advance Fees

Some credit card issuers classify deposits to gambling sites as cash advances. If they do, you could be hit with a cash advance fee (often 5% or $10 minimum) and interest starts accruing immediately on that amount (no grace period). This can make your play more expensive.

Call the customer service number on the back of your credit card and ask, “If I use my card at an online casino, will it be treated as a cash advance or a purchase?” They’ll tell you.

Many Visa/Mastercards process through as purchases, but some explicitly treat them as cash advances. Discover started doing so for all gambling transactions from April 2024. American Express does it as well. Knowing this beforehand helps you avoid surprise fees.

Pay Your Card Balance Sooner Rather Than Later

If you use a credit card, it’s wise to pay off your casino deposits on your next statement (or immediately). This keeps your credit utilization low (good for your credit score) and prevents any interest from accumulating if it were treated as a cash advance.

It’s easy to lose track of spending when it’s on credit, so treating it like cash (paying it off promptly) is a good discipline.

Use Personal Cards, Not Work or Shared Cards

Always use a credit card that’s in your name and under your control. Online casinos will reject deposits made with a card name that doesn’t match the account holder’s name (to prevent fraud and money laundering).

Also, using someone else’s card (even a spouse’s) without permission is a big no-no and could get your account suspended. If you have a shared credit card with a partner, be sure they’re okay with you using it for gambling, or better yet, use a separate card.

Mind Your Limits

It’s easy to deposit again and again with a credit card because of the “swipe and play” nature. Set a budget limit for yourself. Many players decide on a weekly or monthly deposit cap. You can even enforce this by going into your casino account’s responsible gaming settings and setting a deposit limit.

This way, even if you’re tempted to chase losses with your credit card, the site will block you once you hit your self-imposed limit. It’s a great tool to keep things fun and not harmful.

Avoid Cash Advances via ATM

Sometimes players wonder if they should take out cash from their credit card (via ATM) to then deposit via cash or another method. This is usually worse fee-wise, as ATMs will incur a cash advance fee and immediate interest.

It’s better to attempt the direct card deposit online than to take a cash advance from the ATM to fund gambling. Either way, credit card debt for gambling is dangerous territory, so proceed with caution.

Ensure Geolocation & Legality

If you’re playing at a state-regulated casino, you must be physically located in that state to play, though you can deposit from anywhere.

Make sure your geo-location software is enabled and working in that case.

Keep an Eye on Promotions

Occasionally, casinos have promos for methods they want to promote. Also, if you have multiple funding options, note that some platforms exclude certain payment methods from some bonuses (though credit cards are rarely excluded). Still, always read the terms of a promotion if you’re chasing a bonus.

Use a Secure Connection

When making deposits, make sure you have a secure, private internet connection. Avoid public Wi-Fi networks when entering your credit card details, since those can be less secure. If you must, at least use a VPN for encryption or your phone’s data network, which is typically safer than public Wi-Fi.

Monitor Your Statements

Identify the casino charges and make sure they match what you intended to deposit. Keeping records of your deposits (the casino will have a transaction history in your account, too) can help.

Don’t Abuse Chargebacks

If you lose money gambling, don’t call your bank and claim the charge was unauthorized–that’s called a chargeback, and doing so fraudulently is unethical (and could be illegal).

Casinos will ban accounts that initiate chargebacks on legitimate transactions. Chargebacks are meant for true fraud cases or errors, not for buyer’s remorse.

Are Credit Card Casinos Legal in the US?

Yes, credit card casinos are legal in the US, provided you are playing on a licensed online casino in a state where online gambling is regulated.

The legality doesn’t hinge on the payment method (credit card or otherwise), it depends on whether online casino gaming is allowed in your jurisdiction.

As of 2025, seven US states have legalized online casino games (iGaming) for real money: New Jersey, Delaware, West Virginia, Pennsylvania, Michigan, Connecticut, and Rhode Island. All the top credit card casinos we listed are operating under official licenses in one or more of those states.

Outside of those states, traditional real-money online casinos are not yet legal. That means any website claiming to be a casino taking US players from those states is likely an unregulated one.

Using your credit card on an offshore gambling site comes with risks, not only a legal grey area, but also less protection for your money and personal info.

We strongly recommend sticking to legal, regulated casinos in the states where they’re available. They are safe, fair, and your credit card transactions are secure under US law.

If you’re in a state without legal online casinos, you can try sweepstakes casinos, also known as social casinos.

Is it legal to use a credit card for gambling?

In regulated states, yes. Each state’s gaming authority approves the payment methods that casinos can offer, and credit cards are universally approved in those legal markets.

One thing to be aware of: some US states or jurisdictions have considered restrictions on credit cards for gambling due to responsible gambling concerns, but so far, the broad bans like those seen in the UK (which outlawed credit card gambling) do not exist in the US. Every state lets you use credit cards for now. Just use them responsibly.

Credit Card Casino Security & Safety

Playing at a credit card casino is very safe as long as you stick to legitimate sites and practice good habits. The technology and regulations in place protect you. Here’s what you need to know.

State-of-the-Art Encryption

All licensed casinos use SSL encryption on their websites and apps. Casinos also employ secure payment gateways that adhere to PCI DSS standards (Payment Card Industry Data Security Standard) for handling card data. This means that your credit card info is scrambled and protected at every step.

Secure Storage (or No Storage)

Most casinos do not store your raw card number in their systems. They use tokenization–when you enter your card, the payment processor exchanges it for a token (a random code) that represents your card. The casino might save that token for future transactions. Some operators might not store anything at all and require you to enter the card each time if you prefer that.

Fraud Detection & ID Verification

Casinos are required to verify your identity (KYC). While this might seem like a hassle, it’s an important safety measure. By confirming who you are, they prevent fraudsters from using stolen credit cards on their platform. Also, if there are suspicious deposit patterns, the casino’s fraud team might flag and investigate to protect you. On your bank’s side, they also have fraud detection. These layers of monitoring make it very difficult for someone else to use your card or account illicitly.

No Sharing of Data

Licensed casinos will not share your sensitive information with unauthorized parties. They report certain data to regulators (like big wins or cumulative deposits if required for auditing), but your credit card number isn’t being broadcast anywhere. Only enter card details in the official casino app or website, and never give out your card number or CVV to someone who contacts you claiming to be support. Real support might ask for your name or account email to look you up, but not full card info.

Regulatory Oversight

State gaming commissions enforce rules to protect players. If a casino were ever compromised or mishandled payments, it’d face severe penalties and could lose its license. This oversight incentivizes operators to maintain the highest security standards.

Credit Card Protections

Apart from the casino’s security, remember that your credit card issuer also provides protection. If you notice any charge on your card statement that you didn’t authorize, you can dispute it with the bank. This makes credit cards a safe funding method from a consumer standpoint. Debit cards and bank transfers don’t have as solid dispute options, which is a subtle point in favor of credit.

Responsible Gambling – Safety for Your Finances

One of the risks of using credit cards is the temptation to spend more than you have. Because credit allows you to borrow money, it can be dangerous. Overspending on a credit card can lead to debt and affect your financial security. It’s important to use credit cards responsibly when gambling. Set a budget and stick to it. Consider using the casino’s deposit limit tool to cap how much you can deposit per day/week so you don’t chase losses with repeated credit charges.

Privacy

Using a credit card means the transaction will appear on your billing statement. If privacy is a concern, keep that in mind. Alternative methods like PayPal would show up differently. But within the casino itself, your activity is private–they won’t disclose your play or deposits to anyone.

Credit Card Casinos FAQ

Here are some of the most common questions and answers for users looking to deposit with credit cards at online casinos.

Final Thoughts

By now, you should have a clear understanding of credit card casinos and how to make the most of them.

Using a credit card is one of the simplest ways to get in the game, especially for US players, and when done responsibly, it can be a smooth part of your gaming routine.

So, whether you’re spinning the reels at BetMGM, hitting blackjack at Caesars Palace Online, or trying out a new slot on FanDuel Casino, you can feel confident using your Visa or MasterCard to fund the action.

Just remember the key tips: stick to legal sites, keep an eye on any fees, and gamble within your means.