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Home > Best US Credit Card Online Casinos

Best US Credit Card Online Casinos 2024

Last Updated on February 15, 2024
Fact checked by: Chris A

Looking for an online casino that accepts Credit Card? You’ll find the best Credit Card online casinos in this article!

Credit cards have become a staple at online casinos in the US right from the start. The reason is straightforward – almost everyone in the States has at least one payment card in their wallets. Bank cards are a secure and convenient casino banking method everyone knows how to use. Moreover, major brands like Visa, Mastercard, and Amex are the world’s leading payment processing networks and credit card issuers whose reputation doesn’t allow them to work with unlicensed and shady names in any industry. This also applies to iGaming sites. That said, when you see logos of any of these credit cards on the casino’s banking page, you can rest assured the site is legit. We at Gambla have prepared this article with in-depth insights into credit cards as casino banking methods. We explain the advantages and potential problems you might face if you deposit with your credit card. Let’s start.

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Advantages of Playing at Credit Card Online Casinos in the US

Gaming sites in the US have listed credit cards in their cashiers due to several significant benefits. If you’re unsure if you should fund your casino balance with credit cards, we from Gambla have singled out the main advantages of playing at US online casinos supporting credit cards. Here’s what we think are the main incentives for using credit cards for online gambling.

credit card accepting casinos

Widely Accepted

Credit cards are available everywhere. You can sign up with any casino from our list not worrying if you can make deposits or withdraw winnings. Credit cards are one of the best-known payment options globally. Therefore all US gambling sites accept them. Everyone knows about Visa and Mastercard. In the USA, the most renowned companies are American Express and Discover.

The fact that these famous brands are present on all iGaming sites makes the competition among them fierce. US credit card online casinos go above and beyond to keep their players and win new ones. Consequently, you’ll be able to charry-pick higher bonuses and game libraries you like most.

Easy to Use

Everyone knows how bank cards work. The majority use them for everyday shopping. Therefore, you don’t need a special tutorial to teach you how to pay with your credit card online. The process is the same for online casino transactions. You just need to fill in the deposit form with the card’s details, enter the amount, and confirm the payment.

Another convenience is you can choose different cards if you have more than one. So, if you run out of money at one, you can continue with another. Finally, credit cards might be a perfect solution if you’re not into alternative payment methods. You won’t need to go through any sign-ups and account setups necessary with e-wallets or other third-party payment processors. That said, you can forget about remembering more passwords and security questions.

Quick Deposits

We know you don’t like waiting to start spinning reels of your favorite slots or picking the tables to play cards. If you select a card as your preferred deposit method, you’ll top up your casino balance in minutes. In fact, credit cards are among the quickest ways of funding your online gambling. Banks are trustworthy institutions, so many iGaming sites don’t perform additional verifications since they know the banks have already done that.

Therefore, gambling sites process these transfers instantly, meaning you won’t need to wait long to browse the games lobby. In most cases, when you confirm the payment within your online banking, the funds immediately become available to you. If your balance doesn’t change instantly, refresh the page.

Highly Secure

Payment networks like Mastercard or Visa work with the most reputable banks worldwide that offer their credit cards. On the other hand, American Express processes transactions and issues its own cards. All these brands are tier-one financial institutions known for their robust infrastructure and security standards created to prevent fraud. Consequently, you can rest assured that your credit card is safe and that your personal data is protected.

Moreover, iGaming platforms use advanced SSL encryption to avoid data leakage and misuse. Still, since all transactions are processed within your e-banking, you can be sure that everything is shealed by your bank’s safety features. One of them is two-factor authentication. Finally, credit card issuers protect consumers and will help you if your sensitive data somehow reaches hackers. Knowing that you’re covered by the law is very important, too.

Play Now – Pay Later

The very name implies one crucial benefit – credit. You get access to funds you can use immediately but repay them later. It’s a loan that gives you more financial freedom and lets you play at online casinos without worrying about your balance. Most banks have a grace period during which they won’t charge you any fees. For example, you can play today and pay next month without fees.

Such an approach could be right up your alley if you want to try your luck with progressive jackpots or VIP live dealer games. Still, we advise you to always plan your budget upfront and stay within it. This way, you’ll be able to pay the depth on time and keep using cards to fund your favorite pastime.

Are There Any Downsides of Using Credit Cards at US Online Casinos?

Although we’ve explained the upsides of credit card deposits at US casinos, we must also address a few drawbacks. This is necessary for you to be able to make an informed decision about whether to use credit cards at gaming sites in the United States. Here’s what we think is important to know.

Potentially High Fees

Transaction costs at online casinos are nothing new. However, processing fees associated with credit cards can be significantly higher than costs with other payment methods. You’ll actually encounter several fees if you make a real-money casino deposit or cash out winnings with a credit card.

First, the casino might charge you since they pay a card processor for each transfer, and these costs are not low. As a matter of fact, they pay a higher percentage than for debit cards, meaning they’ll likely cut these amounts from your transactions. Then, your bank will impose costs, as many treat gambling transfers as cash advance transactions. Finally, credit cards also charge annual and account maintenance fees.

Privacy & Security Risks

We’ve already said credit cards are backed by banks’ state-of-the-art safety infrastructures. Still, as hackers are constantly devising new methods of data tampering, you must be careful and protect yourself from scams. In most cases, we are responsible for mistakes leading to different security risks, including credit card fraud.

When paying with credit cards, you must disclose your card details, such as the card number and CVV code. If you pick an unreliable casino site, you may be in danger as they can purport to be a reputable brand while actually only wanting to steal the information. Therefore, stick to trustworthy casino sites like the ones we list on this page.

Controlling the Budget Could Be Challenging

Knowing that you can access funds now but pay later is one of the reasons why many gamers in the US pick credit cards as casino banking methods. However, this may be tricky if you haven’t mastered bankroll management. It means that gambling with credit cards can be risky if you have problems controlling your gambling habits.

The best way to deal with this issue is to determine the budget and stick to it. However, if you can’t control yourself, you probably have a gambling addiction. If this is the case, we urge you to immediately get help by contacting one of the organizations promoting responsible gambling.

Declined Transactions

Unfortunately, your bank might decline your credit card transactions linked to online gambling. Financial institutions tend to be very cautious when handling payments to casino sites. Therefore, your deposits will likely be declined if the credit card company or your bank flag this transfer as potentially risky.

Still, don’t worry. You can resolve this by calling the bank or, in some cases, by simply confirming the payment request again. Also, contact the casino’s customer support to learn what’s the problem and if it may be on their end.

Types of US Credit Card Online Casinos

US players can use various credit cards from different processing networks and banks. Read our brief reviews of the best-known brands if you have any doubts about which one to pick as your desired US casino deposit option.

Visa US Online Casinos

Practically everyone carries at least one credit card in their wallets nowadays. The best-known comes from Visa, a US-based financial corporation offering its services globally. You can request a Visa-branded credit card at almost any bank in the country since this is the most popular payment network in the world. Consequently, you’ll find Visa in cashiers of all the best online casinos in the States.

Gaming sites pick Visa since it has a spotless reputation in the credit card industry. Players can use one of three Visa credit cards: Visa Traditional, Visa Signature, and Visa Infinite. Finally, US Online casinos working with Visa have a Visa certificate, another security layer on these platforms.

Mastercard US Online Casinos

Mastercard is another gigant in the credit card business. It’s famous for its world-class cyber protection, including cutting-edge security measures against fraudulent purchases and identity theft.

Mastercard is also popular due to the company’s Zero Liability Protection. It doesn’t consider you responsible if someone steals your card and makes unauthorized purchases. Moreover, Mastercard credit card deposits are reliable and safe for real-money gaming at US casinos.

All gambling venues accepting Mastercard comply with PCI-DSS credit card security standards, making them very secure. Finally, Americans prefer Mastercard since it offers an array of benefits to cardholders.

American Express US Online Casinos

American Express (Amex) is one of the largest card networks in the world. Therefore, it is among the top credit cards at many online casinos in the USA. As one of the most iconic US brands, US players gladly select American Express credit cards for casino gaming. Amex has a long-standing reputation, being in the industry since 1850.

Unlike other networks, American Express is both a payment provider and a credit card issuer. You’ll probably get your card faster since you’re requesting it directly from the network. In other words, you’re dealing only with one company.

Another huge plus is that Amex has various credit cards, so you can pick the one that best suits you. The best ones for online gambling could be those in their 0% APR range without annual fees. Some of the most popular are Blue Cash Preferred Card and Amex EveryDay Preferred Credit Card. And finally, when you deposit with Amex, you’ll earn membership rewards points you can redeem for various prizes.

Discover US Online Casinos

Discover is the youngest credit card company in the States. Although not as widely spread as Visa or Mastercard, the number of players in the US using Discover at casinos is growing. The lack of fees is one of the reasons why it’s becoming more popular. Another thing that helps Discover win the hearts of players is the cashback you earn with each purchase.

The company has a wide range of cards with different cashback percentages, ranging from 1% to 5%. Some of them are Cash Back Credit Card, Secured Credit Card, and Discover Credit Cards with logos from your favorite NHL team.

Top 5 Best US Credit Card Online Casinos in 2024

So, you’re looking for the best US online casinos with credit cards in their cashiers? Read on as we provide the list of Gambla’s top picks.

1. Mohegan Sun Casino

The Mohegan Sun complex is one of the largest casino resorts in Connecticut. However, its online version is also available in New Jersey. The iGaming site is licensed in Connecticut and New Jersey. It’s worth noting that the platform differs depending on the state you’re in.

Mohegan Sun accepts Visa and Mastercard and offers top-rated games from leading providers like NetEnt and BTG. Players from New Jersey and Connecticut can access over 500 releases, ranging from online slots to live casino games.

Evolution is in charge of games hosted by live dealers, so you can be sure you’ll have the best real-casino experiences online. Still, there are several exclusive games streamed directly from the casino floor. When you sign up, you can claim a deposit match bonus of up to $1,000 with a player-friendly wagering requirement of 35x (bonus amount).

2. DraftKings Casino

DraftKings is a well-rounded gambling venue catering to sports bettors and casino fans. The online casino is legal in Michigan, New Jersey, Connecticut, West Virginia, and Pennsylvania.

You can deposit at DraftKings with Visa, Mastercard, and Discover. However, you have to use a pre-purchased electronic gift card to credit the casino balance. Luckily, they all offer various gift cards you can buy with your credit cards. Amex gift cards are available only for Daily Fantasy deposits.

The lobby is packed with slots, table games, video poker, keno, live dealer releases, and DraftKings Exclusives. As a new player, you can even choose the bonus you wish to claim after your first deposit. A welcome 100% match up to $2,000 and a deposit match up to $100 in casino credits are up for grabs. Moreover, there’s a custom offer if you’re a high roller and want to deposit more than $2,000.

3. BetMGM Casino

BetMGM casino is licensed in NJ, WV, MI, and PA. The game portfolio comprises slots, table games, live dealer titles, and many games exclusive to BetMGM. BTG, Games Global, IGT, NetEnt, and Evolution power the casino. You’ll find many exciting releases, including thrilling live game shows.

The great thing about BetMGM is that it accepts credit cards from Visa, Mastercard, Amex, and Discover. You can also use the MGM Rewards Mastercard if you have it. The casino welcomes you with a 100% deposit match up to $1,000 if you deposit $10 at least once. However, they’ll also give you a $25 bonus on the house. You can also claim rewards for referring a friend, playing exclusive releases, and poker.

4. Bet365 Casino

Another esteemed online gambling name is Bet365 Casino. Although it’s currently only regulated in New Jersey, Bet365 online casino has plenty to offer. Hopefully, Bet365 will soon receive licenses in other US states. It would be great if more Americans could enjoy their terrific games section and promotions.

Playtech and NetEnt are some of the providers whose games you can play here. It means exciting live game shows like Adventures Beyond Wonderland Live are here too.

The casino accepts Visa and Mastercard credit cards, but we also hope they’ll soon add Amex and Discover. When you sign-up, the casino will match your first deposit with up to $1,000. The welcome bonus is subject to a 20x wagering requirement (deposit + bonus). You can also join a live casino giveaway with a prize pool of $10,000.

5. Bally Casino

Casino enthusiasts from Pennsylvania and New Jersey are lucky. They can play games at a world-famous Bally online casino, a digital extension of the Bally casinos. You’ll find many exclusives alongside popular online slots, table games, and live dealer releases. IGT, NetEnt, and Big Time Gaming are some of the game developers working with Bally online casino. Bank-grade security measures ensure security for all players.

Now, which credit cards you can use at Bally’s? Visa and Mastercard. The lack of Discover and Amex might be a dealbreaker for some, but we’re sure they’ll add these brands soon.

However, they make up for this “disadvantage” with various promotions. They include a welcome bonus and Bally Rewards. Earn Bally Bucks playing slots, bingo, roulette, baccarat, video poker, and instant wins and redeem them for Bonus Money.

Things to Consider Before Making a Credit Card Deposit

Although credit cards are familiar to you, there are some things you should be aware of before you choose them to fund your casino balance.

  • Some casino sites allow credit card deposits but don’t support credit card cashouts. You’ll have to opt for another payment option to withdraw your winnings. In most cases, this will be a bank wire. For example, at DraftKings and BetMGM, a bank transfer is the best alternative for credit cards. Still, you can also pick PayPal or visit the cage at the land-based casino to collect the cash.
  • Your credit score might be affected if you use cards for gambling. Many banks are very cautious with transactions related to online gambling. They even consider them a risk, so they can simply decline to process the transfer.
  • Pay attention to the withdrawal limits. They can be significantly lower with credit cards than debit cards or e-wallets.

How to Deposit at Credit Card Online Casinos?

You’ll find credit cards at all US gambling sites. We are sure you’ve used payment cards for online shopping at least once, so you won’t have an issue using them at online casinos too.

However, if you have any doubts if casino deposits with credit cards are complicated, we’ve got you covered. You’ll have the money in your casino balance if you follow these steps:

  1. Pick one of the US credit card casinos from our list.
  2. Sign up if you already don’t have an account.
  3. Open the cashier or banking page to see which credit cards are available.
  4. Select the card you wish to use to fund your casino account.
  5. Fill out the deposit form with the credit card details like the card number, cardholder’s name, and a 3-digit CVV verification code. If you’re using an Amex card, the CVV has 4 digits.
  6. Confirm the transaction. It’s worth noting that your bank might require you to go through additional steps to finalize the payment.
  7. Also, the casino can ask you to verify your identity and confirm you’re the credit card owner. You must send documents like a bank statement and a valid ID, and the casino will check the details. Generally, the verification procedure is over within 48 hours.
  8. When all this is done, the casino will process your deposit, and the money will appear in your balance.

Conclusion

Let’s wrap up this article by highlighting once more why choosing credit cards at US casinos makes sense. Credit cards are a convenient, secure, and widely accepted payment method. Every online casino in America supports bank cards. They are always at the top of the banking page, meaning the first thing you’ll see is Visa, Mastercard, Amex, or Discover logos.

Deposits are instant, and one of the advantages is you can take a loan and use the money immediately. The bank will ask you to return the funds in increments. Still, we advise you to always have a budget and not spend more than you can afford. Make sure you always gamble responsibly to avoid any inconveniences that might impact your daily life.

FAQ

Can I withdraw winnings with a credit card?

It depends. Some US sites allow credit card cashouts, while others don’t. If this is the case, in most cases, the withdrawals are processed by bank transfer. You can also pick another payment method if you don’t want to receive money faster.

Are US credit card casinos secure?

Yes, they are. They are all licensed by a regulator in each state where they operate. They also work with credit card networks that require them to meet the highest security standards.

Will I pay fees if I deposit and withdraw with credit cards?

Generally, yes, you will. Even if the casino doesn’t charge you anything, your bank will probably have processing fees.

What is the best credit card to use at online casinos in America?

The answer depends on your personal preferences. The good news is that you can get a card from the best companies, like Visa, Mastercard, Discover and American Express.

Can I claim bonuses at credit card gambling sites in the US?

Sure. Check out our list of casinos. You can receive welcome bonuses, participate in giveaways, or get rewards for referring friends.

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