Best Credit Card Betting Sites in the US 2024

Advantages of Playing at Credit Card Betting Sites in the US

First things first, many people are wondering why they should play at credit card betting sites. With so many other options on the market, it’s hard to pinpoint why cards in particular. Using our experience and data from our tests, we’ve come to the conclusion that it’s due to these qualities.

Convenience

Credit cards are widely accepted and easy to use for online transactions. What’s more, you don’t really need to do anything aside from sharing your card details. This makes credit card betting sites ideal for beginners since you don’t have to do additional things. Just contact your bank, pick a package, and ask for a card to be issued. It’s really the best way to get into online gambling if you’re not particularly tech-savvy.

Instant Deposits 

When using a credit card, the sportsbook usually processes the transaction immediately. This is because banks are trusted institutions. As a result, the betting site knows the bank already did its checks and reviews. However, the top credit card betting sites have their own AML and screening processes. Due to this robust and established banking system, you can start playing right away. And you already know that’s a great excuse to make use of some limited-time offers. In addition, it’s great for casual players who wait for big events before betting.

Available Everywhere 

Almost everyone has a credit card, so bookies want to make things easy for players. You’d be hard-pressed to find a bookie that doesn’t at least accept Visa or AmEx. Therefore, your choice of bookies will be much wider and you won’t have to make compromises. There’s nothing worse than having to forego an excellent bookie because of payment methods. Credit card sportsbooks remove this disappointment from the occasion and provide more freedom.

Benefits and Rewards 

Rewards are one of the main reasons why people play at credit card betting sites. Unlike debit cards, banks give you incentives to use your credit card. Almost every processor and bank has a rewards program. Many of these are targeted at online spending, which means your bets could be eligible. In addition, you can also get cashback or loyalty points. Some banks are even partnered with select retailers, which means you can also get a discount somewhere.

Player Safety

Credit cards have built-in security measures, such as fraud protection and dispute resolution. This makes them by far the safest and most reliable banking method. If you encounter any issues with a transaction or suspect fraudulent activity, the issuer will be on the case. These transactions are also strictly protected by law, which means you have a chance to win a dispute. This is in stark contrast with e-wallets and cryptos, many of whom are unregulated and hard to resolve issues with.

Additional Funding 

And last but not least, we have the primary purpose of credit cards – credit. Since you have a line of credit, you can access funds that aren’t your own. This makes planning your bets much easier, especially during big events. If you want to boost your Super Bowl parlays with some extra firepower, credit cards can provide that. And as long as you pay off your debt in time, both your credit rating and finances will be in order.

What About the Drawbacks?

As great as they are, credit cards aren’t without risks and flaws. It’s both our duty to notify you of them and yours to take them into consideration. Of course, it’s up to you to ultimately decide. So before creating an account, consider these risk factors:

Chargeback Risk Entails Stricter Rules 

Credit card transactions are susceptible to chargebacks, much to the chagrin betting sites. This occurs when of which occur when a player disputes a deposit and requests a refund from their bank. For players, this is a great tool against scams. But bookies lose millions on a yearly basis due to this. As a result, many sites forbid refunds and have special T&C sections dedicated to this. Also, you might notice lower maximum limits, as a means for the bookie to protect itself.

Fees and Interest Rates 

One of the worst things about credit cards is their associated fees. And we don’t mean just for players. Just like every merchant, credit card betting sites must pay the provider a cut of each transaction. Due to the nature of credit payments, fees are oftentimes much higher than for debit cards. This results in bookies being unwilling to pay the costs themselves, or to pass them onto players. Although this is a rare occurrence, some bookies avoid credit cards for this reason.

Easy to Get Carried Away

When playing at credit card betting sites, you must be careful. Although the prospect of unlimited funds is enticing, it can also become a bottomless pit for your finance. That’s why setting a budget is of the utmost importance. Pick a number you’re comfortable with and don’t go over it. It doesn’t matter if you win, lose, or whatever. That’s your gambling budget for the week/month and stick to it. Sure, one more bet doesn’t seem like much, but it can easily spiral out of control.

Privacy and security risks

Don’t get us wrong — credit cards are inherently safe. There are multi-billion dollar organizations tasked with providing security and screening. However, that doesn’t mean you aren’t vulnerable. No matter how safety-conscious you are, playing at credit card betting sites is still somewhat of a risk. You have to enter your card details, which are stored on the site. And if something happens, such as a hack, your data will be accessible to criminals.

Types of US Credit Card Betting Sites

There are a couple of popular credit card issues in the US. Generally, you’ll see most of them at each site. But just in case you’re looking at something specific, here’s what you can expect:

Visa Betting Sites

Visa is the biggest payment processor in the credit card world. If you play at Visa betting sites, you can always expect instant deposits and next to no fees. This brand is also known as the most efficient, which is why businesses prefer it.

Mastercard Betting Sites

Even though Mastercard is as big as Visa, they have a more consumer-oriented approach. That’s why Mastercard betting sites are a great way to amass rewards points or perks. Likewise, Mastercard is secure and holds an excellent reputation worldwide.

American Express Betting Sites 

Although AmEx has much higher annual fees than other cards, it also has the most premium features. So technically, playing at American Express betting sites is just the tip of the iceberg. You can spend time in exclusive airport lounges and get travel credits for your spending. Pros generally use it for sports betting.

Discover Betting Sites

Known as the king of cashback, Discover is yet another good choice. While they’re smaller in size than other networks, they’re widely available in the US. And with so many Discover betting sites in recent years, you can easily tweak your cashback strategy. The company also has other features, such as free foreign currency transactions and balance transfers.

Top 5 Best Credit Card Betting Sites in 2024

If you want the best experience, you need to aim for the cream of the crop. Here are Gambla’s top picks:

BetMGM 

Available in 10+ states, BetMGM is one of the most renowned credit card betting sites in the country. They accept all four major issuers and have no eye-watering fees. This makes them a favorite amongst high-rollers. As for their specialties, NFL and NBA props are the names of the game. Nevertheless, they’ve also been including international sports in recent years.

WynnBET

At the time of writing this article, WynnBET only accepted Visa and Mastercard. And honestly, it’s not that big of an issue since they dwarf AmEx and Discover in terms of user count. You can still deposit just as easily, even more so with the inclusive $10 minimum deposit limits. While they may not be as big as some other names on the list, Gambla still recommends WynnBET.

Caesars Sportsbook 

A slightly more premium option, Caesars is no slouch when it comes to credit cards either. Even though AmEx is missing from the list, we’re still pleased with what we see. Not only does this bookie have an appealing design, but claiming a bonus with your card is also easy. In addition, there are plenty of promos for regular players, too.

DraftKings

If availability is your priority, then there’s no better choice than DraftKings. They’re licensed in over 20 states and readily accept Visa, Mastercard, and Discover. Again, the lack of AmEx isn’t such a big deal, especially with how good this bookie is. They have by far the biggest collection of exotic markets, for what it’s worth.

FanDuel

Another great new option is FanDuel. Just like DraftKings, they started off as a fantasy sports site but moved into sports betting. They accept all four major credit card networks, which is a big plus. In terms of the content on the site, FanDuel is pretty diverse.

Things to Consider Before Depositing with a Credit Card

Even though credit cards are similar to debit ones, they work differently. Therefore, you have to take certain precautions before depositing. After doing a significant amount of research, the Gambla team determined these three factors reign supreme. Pay attention to them and your betting experience will be much smoother and more pleasant.

The Site’s Policy

For a multitude of reasons, some credit card betting sites don’t allow withdrawals. So instead of your trusted Visa or Amex, you can use another payment method. However, this can result in another issue. Apparently, some sportsbooks only allow players to withdraw using the same method they deposited with.

Obviously, the Gambla team gives a heads-up for these conditions. Nevertheless, you have to keep your eyes open on the regular. Before you create an account, take a look at the site’s Banking section. The T&C will also contain valuable information on this topic. If credit card withdrawals are a deal breaker for you, pick another bookie and don’t look back.

If something sounds/feels unclear, contact support right away. That’s also a good excuse to test how they handle such queries. If the agents aren’t capable of explaining everything simply, that’s a red flag. No one wants to play at a site whose staff don’t even know the rules. Stay safe and go with our recommended options.

Withdrawal Limits 

Since you’re playing at legal credit card betting sites, pay attention to withdrawals. Both bookies and industry experts recognize excessive credit card use as an issue. This can be a shortcut to problem gambling and financial instability. Therefore, many sites have started implementing separate withdrawal limits for credit cards.

They are usually much lower than those for debit cards and bank transfers. It’s important to note that states treat this issue differently. While some ignore it, others choose a more hardline stance. Unfortunately, this also affects casual players who just like to take advantage of rewards or points.

To make things worse, this sort of attitude from regulators isn’t going away anywhere. The UK already banned the use of credit cards at betting sites. With how things are going, don’t be surprised if this happens in some US states, too.

Your Credit Rating 

Due to the current recession, many financial institutions are tweaking their rules and making them stricter. This, unfortunately, involves sportsbooks, too. A couple of years ago, banks started ‘marking’ online gamblers as risk factors. As a result, having transactions with bookies can lead to a loan refusal. Or even worse, it could affect your credit rating.

Such a situation hinges on several factors. First and foremost, you should avoid credit cards if your rating is not that great. Instead, use an e-wallet or a voucher. They aren’t connected to your bank account directly, so the bank can’t gain insight into your purchase history.

Regardless, you should double-check with your banker before playing. There’s no harm in asking. Plus, you’ll get correct information straight from the horse’s mouth. Again, it’s best to be sure before doing anything. If you get the green light from your bank, then you have nothing to worry about.

How to Make a Deposit at Credit Card Betting Sites: Step-by-step Guide 

Although each credit card betting site has its own specifics, the process is pretty much standardized. So just follow these steps and you’ll be ready to play in no time:

1. Find a reputable betting site: Pick one of the sites from Gambla’s list. It’s by far the best way to save time on doing research. All our sites are 100% legal, tested, and US-licensed so you have nothing to worry about.
2. Create an account: To play, you need to register. This usually involves providing your personal information, such as name, last name, age, and others.
3. Go to the deposit section: Once your account is created and verified, log in to the betting site and go to the Deposit section. Sometimes, it’s also called Cashier or Banking. Regardless, you won’t be able to miss it.
4. Select your credit card: Within the deposit section, you should Visa, Mastercard, and any other issuer that’s supported. Select the one you have.
5. Enter your credit card details: You’ll be prompted to enter your credit card information. This means providing the card number, expiration date, CVV code, and the cardholder’s name. Make sure you only use your own credit card. Otherwise, the bookie might limit or ban your account.
6. Specify the deposit amount: Enter the amount you wish to deposit. However, make sure that it exceeds the minimum amount needed to be eligible for a bonus. If you miss out, you won’t be eligible for a welcome offer anymore.
7. Verify your account: Some credit card betting sites may require additional verification steps. This can involve providing additional documents or confirming your ownership of the card. Follow the site’s instructions to complete any steps. Most of the time, the verification process doesn’t last more than 48 hours.
8. Review and confirm: Double-check all the details you’ve entered, including the deposit amount and credit card information, to ensure you’re not making a mistake. If everything checks out, select Confirm and that’s it.
9. Wait for processing: The betting site will process your credit card deposit. In most cases, the transaction is completed instantly, and the funds will be credited to your betting account.

Wrapping Things Up

When playing at credit card betting sites, be mindful of any limits or restrictions. Don’t exceed your betting budget and make full use of any rewards program. Playing on credit doesn’t have to be hard or financially ruined. If you do things right and stay responsible, you’ll have a lot of fun and enjoy betting on your favorite sports.

FAQ