Credit cards are among the most common payment methods across the United States, and they’re becoming more popular among bettors at legal sportsbooks.
Credit cards can be used to pay for groceries, gas, clothes, events, and just about anything, so it’s no surprise their popularity has spilled over into a new category: credit card betting sites.
Visa, Mastercard, and American Express are the most common options at sportsbooks accepting credit cards. Many sportsbooks do take credit cards, but there are a few things users should be aware of before getting started with a credit card at any of the best sports betting apps.
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Best Sportsbooks That Accept Credit Cards in January 2025
In 2025, the majority of online sportsbooks accept credit cards. However, because of the possible restrictions and fees surrounding credit card transactions, we recommend using an alternative deposit option. Don’t forget to check out sports betting sites that accept PayPal, too.
Here, we break down sportsbook credit card rules, regulations, options, and availability for each major online betting site.
BetMGM Sportsbook
| 💳 Credit Cards Accepted | |
|---|---|
| VISA | ✅ (Deposits Only) |
| Mastercard | ✅ (Deposits Only) |
| Discover | ✅ (Deposits Only) |
Restrictions/fees: At BetMGM Sportsbook, you can use your Visa or Mastercard to fund your account, but additional fees may apply.
No fees apply when funding your BetMGM account with the Discover credit and debit cards. High-volume players who prefer credit card deposits may consider getting a Discover card.
Caesars Sportsbook
| 💳 Credit Cards Accepted | |
|---|---|
| VISA | ✅ (Deposit Only) |
| Mastercard | ✅ (Deposit Only) |
| Discover | ✅ (Deposit Only) |
Restrictions/fees: With the Caesars Sportsbook app, you gain access to one of the top available options. There are some guidelines to follow if credit cards are your payment method of choice:
- Visa/Mastercard are available for deposits ONLY at Caesars
- Visa/Mastercard is available in New Jersey when issued by TD Bank or Wells Fargo
- Visa/Mastercard is available in Iowa and Massachusetts for debit ONLY
- Discover is available only for deposits
- Discover is not available in New Jersey or Iowa
FanDuel Sportsbook
| 💳 Credit Cards Accepted | |
|---|---|
| VISA | ✅ (Deposits Only) |
| Mastercard | ✅ Deposits Only) |
| Discover | ❌ |
| American Express | ℹ️ Through PayPal Only |
Restrictions/fees:
FanDuel is known for its sportsbook app and Daily Fantasy Sports (DFS) offerings. There are some rules surrounding credit card usage to be aware of as well:
- New York: $2,500 per year limit on credit card deposits (per card)
- State rules prevent betting funds deposited from credit cards in the following states: Connecticut (both FD Sportsbook and Mohegan Sun Casino), Massachusetts (sportsbook and FanDuel Racing), Tennessee (sportsbook), and Vermont (sportsbook)
DraftKings Sportsbook
| 💳 Credit Cards Accepted | |
|---|---|
| VISA | ✅ (Deposit Only) |
| Mastercard | ✅ (Deposit Only) |
| Discover | ✅ (Deposit Only) |
| American Express | ℹ️ NJ and Fantasy Sports Only |
With the DraftKings Sportsbook app, you get unparalleled access to tons of betting markets, competitive odds, regular promotions, and more. There are very few notable downsides, though AMEX bettors may disagree.
Restrictions/fees: American Express is available only for deposits to DraftKings Fantasy Sports and the Sportsbook + Casino products in New Jersey.
bet365 Sportsbook
💳 Credit Cards Accepted
VISA ✅
Mastercard ✅
Discover ✅
American Express ✅
The bet365 Sportsbook app has a massive fanbase worldwide. Given its lack of restrictions on credit card usage, it’s easily one of the top sportsbooks for credit card deposits and withdrawals. This is one to check out if you’re seeking a premier sportsbook that accepts credit cards.
Restrictions/fees: None
How To Use a Credit Card During Sportsbook Registration Process
There are a few necessary steps before depositing money into a sportsbook account with a credit card. Below, we explain how to bet with a credit card on your favorite sports betting site.
Choose a Sportsbook
The mobile sports betting apps above are great for any new sports bettor. Each one has clear strengths. Read any of our sportsbook reviews to see which is the best fit for you and your betting needs.
After selecting the sportsbooks you would like to bet with, take advantage of Gaming Today’s sports betting bonuses to get the most out of creating a new account.
Register for a Sports Betting Account
After downloading the sports betting app, select “Register” and complete the registration process. This will consist of creating a username and password, providing an email address, Social Security number, and a few other pieces of identity-verifying information.
Deposit With a Credit Card
Now, you are ready to deposit money with your credit card. When prompted, select the form of transaction you would like to move forward with. Select “credit card” and enter your information and the amount you want to deposit.
At some sportsbooks, deposit minimums must be met. Users should also be aware of bonus opportunities. Before making the initial deposit, check to see if the sportsbook offers deposit matches.
Enter Your Credit Card Details
It sounds obvious, but many a registration process has been derailed due to typos. Double-check to make sure the credit card account number you are entering is correct. Also, a card must be registered in your name for you to use it to register with a sportsbook.
Place a Bet
Navigate through the sportsbook to find the sport and event you would like to bet on. After choosing your wager, place the bet through the sportsbook’s betslip and wait for the game results.
Withdraw With a Credit Card
If your bet should win, there are a few ways to withdraw your money. In many cases, users cannot withdraw money onto a credit card. This is a weakness of betting with any form of credit card payment. Users could have to add banking or PayPal information to withdraw their funds. Each sportsbook is different, so look into all possible transaction options.
Pros and Cons of Betting with a Credit Card
Pros
Easy and instant deposits No deposit fees from the sportsbook Low barrier to entry Protected under the Fair Credit Billing Act
Cons
Some banks block gambling activity as fraud charges and will not process transactions Many sportsbooks require withdrawals to be made through a different method Sharing credit card information online can be a risk Betting on credit can create overspending dangers
How To Deposit and Withdraw Sportsbook Funds With a Credit Card
While each sportsbook has its own deposit and withdrawal processes, many of the key steps are standard with the top sports betting apps.
To Deposit
The first step is to find the “Deposit” option on your mobile app or desktop site and select it. Visit your Account page and click the cashier or banking button.
Once there, you can select “Credit/Debit Card” from the available payment options.
Make sure you use a card that is issued in your name and enter your credit card details carefully.
Enter the amount you wish to deposit. Some sportsbooks and promos require a minimum deposit.
To Withdraw
With most sportsbooks, withdrawals are processed using the same method you used to make your deposit. Unfortunately, several major operators won’t allow withdrawals to a credit card.
If the sportsbook does allow credit card withdrawals — like bet365, for example — there is usually a section where you can request a withdrawal either on the app or on the desktop version. Enter the amount of money you wish to withdraw and confirm that amount.
The processing time varies by sportsbook, but the funds usually become available in 1-5 days.
What To Look for in a Betting Site That Accepts Credit Cards
Now that we have reviewed which sportsbooks offer credit cards as a deposit option, there are other factors to review when considering where to deposit your money.
Payout Speed
When signing up for a new sportsbook, consider the payout speed. Depending on the platform, the payout time could be a 24-hour window or three to seven days. Read the sportsbook’s terms and conditions before depositing money. Don’t set unrealistic expectations for when winnings might land in your pocket.
Other options for a quicker payout include e-wallets, PayPal, and Skrill.
Fees
One key thing to be aware of when using a credit card for deposits and withdrawals is any additional fees you may incur.
Using a Visa or Mastercard credit or debit card with certain sportsbooks may incur additional fees, while Discover credit or debit cards usually do not charge a fee.
Deposit and Withdrawal Limits
When it comes to betting with credit cards, certain sportsbooks and certain states have limits to how much you can deposit or withdraw. In Connecticut and New York, for example, there is a $2,500 per year limit on credit card deposits per card.
Withdrawal limits are less likely when betting with a credit card, but many sportsbooks will not allow users to withdraw onto their credit cards. In such cases, use PayPal or online banking options to receive your funds.
Security
Credit cards are one of the safer options for depositing money in your account. In the rare event of a security breach within the sportsbook, credit card companies can cut off funds immediately and handle most of the fallout.
Customer Support
Since depositing money into any mobile account can be intimidating, it’s important to reach customer support promptly if needed. Any issue with depositing or withdrawing money can be frustrating. A reliable and quick customer support hotline could make a difference. Some sportsbooks have 24/7 hotlines, while others require 1 to 2 business days to respond. If you want immediate support, check for live chats and response times.
States That Don’t Allow Betting With a Credit Card
Multiple states do not allow bettors to fund their sports betting accounts with credit cards. Here’s the list.
- Iowa: The Iowa legislature voted to forbid the use of credit cards for wagering on sporting events at Iowa-based casinos.
- Massachusetts: No deposits can be made with a credit card, either directly or indirectly.
- Tennessee: Pursuant to the Tennessee Sports Gaming Act and the Sports Wagering Advisory Council Rules, sports wagering accounts in Tennessee may not be funded using credit.
- Vermont: Customers cannot fund their player accounts with credit cards.
- New Hampshire
- Rhode Island
Availability of Sportsbook Credit Card Payments By State
While credit card deposits and withdrawals are fully prohibited in some jurisdictions, others allow them. Let’s review the status of credit card betting across a selection of noteworthy states.
Florida
Florida sportsbooks are permitted to accept credit card payments. Visa, MasterCard, and American Express are supported by the state’s only regulated online sportsbook, Hard Rock Bet, but you cannot use Discover. The minimum credit card deposit on the app is $10.
Illinois
You can use a credit card to deposit funds with Illinois sports betting apps. Most accept Visa, MasterCard, and Discover, and a few sites also allow you to use American Express. The minimum credit card deposit is $10 at most IL sportsbooks, but it’s only $5 at DraftKings.
Kentucky
Sports bettors can use credit cards to deposit at all the leading Kentucky sportsbook apps, including bet365, BetMGM, Caesars, DraftKings, and FanDuel. Credit card deposits are instant at those sites, and they do not charge any transaction fees. Limits vary, but the minimum credit card deposit is usually $10 at KY sportsbooks.
Maryland
Maryland sports betting apps have been accepting credit card deposits since they were cleared to launch in November 2022. They all accept Visa and MasterCard payments, and you can often use Discover too, but most MD sportsbooks do not support American Express payments.
Massachusetts
Massachusetts is one of seven states prohibiting credit card deposits from online sportsbooks. It was one of the concessions that the Massachusetts House made when thrashing out a compromise bill with the Senate. Lawmakers also agreed to a 20% revenue tax on Massachusetts sports betting apps, plus a ban on games featuring in-state college teams. Sports bettors can use a debit card, an e-wallet, a bank transfer, a prepaid card, or an ACH transfer to fund a Massachusetts online sportsbook account.
Michigan
You can use a credit card to deposit any legal Michigan sportsbook apps. Just remember that some providers treat credit card payments at online sportsbooks as cash advances, which can incur a fee, so you may find that a debit card is a more cost-effective method. Debit cards can also be used for withdrawals at some apps, whereas credit cards cannot.
North Carolina
North Carolina sports betting apps support credit card payments. The minimum deposit via a credit card is $10 at most NC sportsbooks, but only $5 at DraftKings Sportsbook and Fanatics Sportsbook. Alternative options include debit cards, PayPal, Venmo, Play+, online banking, and VIP Preferred.
Pennsylvania
Pennsylvania sportsbook apps have been permitted to accept credit card deposits since the legal industry began in 2019. Some online sportsbooks in the Keystone State accept Visa, MasterCard, Discover, and American Express, but others only allow you to use Visa and MasterCard.
Credit Card Alternatives
While credit cards are fast and easy options for online sports betting, they’re sometimes not ideal. After all, many players will want to withdraw to the same method of their deposit, and that’s often not an option with credit cards. If you are not sold on using a credit card to place your bets, below are other options for new users.
- PayPal
- Online banking
- eCheck
- Play+ Card
Be sure to research each option and find the one that is right for you. Make responsible decisions with online gambling with whichever payment option you select.
Credit Card Betting Sites FAQ
Most major sportsbooks will accept credit cards for deposits. New users can check whether a mobile sports betting app accepts credit cards before creating an account.
Visa and Mastercard are the most commonly accepted credit cards across mobile sports betting sites. Users depositing money with either option will have no issue placing bets online.
FanDuel Sportsbook accepts Visa and Mastercard for credit card payments.
Users betting with credit cards risk additional interest fees, impulse spending, and possible fraud and security cases. While sportsbooks offer high security and privacy settings for users, there is always a risk with using a credit card online. Users should gamble responsibly and mindfully.
Credit card withdrawals are not accepted at several major sportsbooks. If bettors cannot withdraw funds to a Visa or Mastercard account, they must add an alternative payment method, like PayPal.
Most sportsbooks do not charge users a fee for depositing money with a credit card. However, the fees for using a credit card often come from the credit card provider itself, so it’s important to understand the terms and conditions associated with your credit card account.
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