Credit card casinos give you a fast, familiar, and secure way to fund your gaming. But with numerous online casinos accepting credit cards, figuring out which ones are trustworthy and safe can feel overwhelming.
Don’t worry—we’ve done the legwork for you and identified the best credit card casinos available for US players.
Why Play at Credit Card Casinos?
Credit card casinos are an excellent option for US players. Given that over 80% of adults in the US own at least one credit card, these casinos provide a seamless payment option without the hassle of setting up an alternative method.
However, not all credit card online casinos operate under the same regulations. State-licensed casinos (available in states like New Jersey, Pennsylvania, and Michigan) have stricter banking rules, and some may not accept credit card deposits due to local gambling laws.
Offshore casinos, on the other hand, often have more flexible banking options available to players all over the US. In fact, all the best offshore casinos offer instant credit card deposits. Some even offer credit card withdrawals, with no or low fees.
The main reason for choosing a credit card casino is convenience. You don’t have to sign up for any additional services; you simply input your card details and confirm your payment, just like when shopping online.
If you prefer playing on the go, many online casinos that accept credit cards also offer casino apps and mobile casinos, allowing you to enjoy real money gaming from your smartphone or tablet.
Throughout this guide, you will find our updated recommendations of top credit card casinos for players in the US. They all come with different unique selling points so that you can find your perfect match.
Best Credit Card Casino Overall: Betwhale
Betwhale accepts four different credit card options: Visa, Mastercard, American Express, and Discover.
Betwhale is a modern online casino and sportsbook offering an impressive selection of banking methods. The casino focuses on fast and easy deposits and withdrawals so that you can enjoy your bets and winnings without any hassle.
At Betwhale, players in the US can deposit using one of the four available credit card options. It is also one of the few online casinos that support Visa and Mastercard credit cards withdrawals.
At this online casino accepting credit cards, you can choose to claim a sports or casino welcome bonus on your first deposit. There are also plenty of ongoing promotions for active players. Overall, this makes for a safe and fun gambling experience using credit cards.
Credit Cards Accepted at Online Casinos
The best online casinos will accept a few different card variants. Here are some of the most popular options for players in the US:
- Visa: The most widely accepted credit card at US-friendly online casinos. Visa casinos offer instant deposits and minimal fees.
- Mastercard: Also widely accepted, but some banks may block gambling transactions. Mastercard casinos generally come with instant and fee-free payments.
- American Express: Less commonly supported, but there are some top-tier online casinos that accept Amex for instant deposits.
- Discover: This option is even more rarely accepted, but when available, it provides a secure and fast deposit method.
Fees and Limits of Top Credit Card Casinos
While credit cards provide convenience, there are some potential costs and limitations to be aware of:
- Processing Times: Deposits are usually instant, but withdrawals can take 1-6 days on average.
- Withdrawal Restrictions: Withdrawals via credit cards can be slow, and some casinos don’t allow credit card withdrawals at all. When available, processing times can take anywhere from 1 to 6 days. It’s therefore worth considering alternatives like crypto casinos, if quick withdrawals are a priority for you.
- Deposit & Withdrawal Limits: Minimum deposits typically range from $10 to $20, while maximum deposits vary from $500 to $5,000 or more, depending on the casino. If withdrawals are accepted, the limits will be similar, but there might be additional weekly and/or monthly caps on withdrawals.
- Declined Transactions: If your credit card deposit is declined, ensure your details match the information on file with the casino. Also, check if your bank blocks gambling-related transactions. If issues persist, get in touch with your bank and with the casino’s customer support.
- Fees: Some casinos or banks may charge processing fees (usually 2%-5%). Some top credit card casinos cover these fees, ensuring a fee-free experience for players. This will generally be stated on the banking page and/or the casino’s terms.
Best Fee-Free Credit Card Casino: Miami Club Casino
Miami Club Casino operates with fee-free deposits for Visa and Mastercard payments.
Miami Club Casino is a seasoned online casino platform that launched back in 2012. Since then, it has offered players in the US and beyond the chance to enjoy fun casino games and lucrative promotions.
The casino’s banking page gives a clear overview of the available payment methods and their terms, where all deposits are listed as free of fees. This means that you can deposit using Visa or Mastercard without having to worry about fees on your payment.
You can also enjoy fee-free withdrawals if you make use of Bitcoin (as Visa/Mastercard are not available for withdrawals).
Credit Card vs. Other Deposit Methods: What’s Best for You?
Credit cards aren’t the only way to fund your casino account. Here’s how they stack up against other options:
| Payment Method | Pros | Cons |
|---|---|---|
| 💳 Credit Cards | Instant deposits, widely accepted, secure | Possible fees, some banks may block transactions, usually not an option for withdrawals |
| 👛 eWallets | Fast transactions, secure, widely accepted | Some casinos exclude eWallet deposits from bonuses |
| 🪙 Crypto | Fastest withdrawals, low fees, anonymous transactions | Requires crypto wallet, learning curve for beginners |
| 🏦 Bank transfers | Secure, high limits | Slower processing times, possible bank fees or blocks |
| 💳 Prepaid Cards | No risk of overspending, secure | Cannot be used for withdrawals |
Crypto Casinos That Accept Credit Cards
In recent years, crypto casinos have become more popular. These are simply online casinos that accept cryptocurrencies such as Bitcoin for fast, secure, and anonymous transactions.
If you’re interested in gambling with crypto but don’t own any yet, some casinos allow you to purchase cryptocurrency using a credit card. This option offers the best of both worlds: fast payouts within a few hours, lower fees, and enhanced privacy.
The best crypto casinos that accept credit cards offer benefits such as the following:
- Faster withdrawals: No waiting days for bank approvals when using instant withdrawal casinos with cryptocurrency.
- Lower fees: Avoid traditional banking surcharges.
- Privacy: Crypto transactions don’t require sharing sensitive banking details.
Are Credit Card Casinos Legal in the US?
The legality of credit card casinos in the US depends on whether you’re playing at a state-licensed or offshore casino.
State-licensed casinos operate in states where online gambling is regulated, such as New Jersey, Pennsylvania, and Michigan. These sites must follow strict banking rules and may have restrictions on credit card deposits.
Offshore casinos, on the other hand, operate outside US jurisdiction. While they accept US players and offer credit card deposits, they are not regulated by US authorities. This means that, as long as you choose a trusted casino that is licensed offshore, you can enjoy safe and legal credit card payments.
Using a credit card at an offshore casino is not illegal for US players, but some banks may block gambling transactions. If this happens, you may need to try a different card or use an alternative payment method.
Security and Safety of Online Casinos That Accept Credit Cards
Playing at an offshore-based credit card casino is safe as long as you choose a reputable and licensed site. All the credit card casinos recommended in this guide have been thoroughly vetted to ensure a safe experience. They use top-tier security measures, including:
- SSL Encryption: Ensures your personal and financial data is protected.
- Fraud Protection: Many credit card companies offer chargeback protection against fraudulent transactions.
- Secure Payment Processing: Reliable casinos use trusted payment processors to handle transactions securely.
Protecting Your Information at Casinos That Accept Credit Cards
While the casino is responsible for implementing relevant safety measures, you should also take precautions to keep your personal and financial information secure. Before signing up at a credit card casino, make sure to check the following:
- Casino Reviews & Recommendations: Make use of our recommendations and always check feedback from actual players to determine if a casino is the right fit for you.
- Valid Gaming License: Ensure the casino is licensed by a reputable authority (e.g., Curaçao, Malta, UKGC).
- Strong Passwords & 2FA: When signing up, use a unique password and enable two-factor authentication for added security.
- Visa Secure & Mastercard SecureCode: Look for these extra authentication layers that protect your transactions.
- Card Statements: Watch out for unauthorized transactions and contact your card issuer immediately if anything seems suspicious.
- Responsible Gambling Tools: Never gamble with money you can’t afford to lose. Using credit cards responsibly means understanding the risks and avoiding overspending. A good tip is to make use of the responsible gambling tools available at most credit card online casinos, such as setting transaction limits.
Bonuses Available at Top Credit Card Casinos
Credit card users can access a variety of bonuses at online casinos, including:
- Welcome Bonuses: A bonus for new players who sign up and make their first deposit(s). Normally, your deposit amount is doubled or tripled, and you might also get some free spins.
- Free Spins: Free spins let you play slots for real money without using your own funds. They are often included in welcome packages but are also available to active players through reload promos and tournaments.
- Reload Bonuses: Regular depositors can get bonuses when they make a deposit, for example through a weekly 50% bonus or free spins.
- Cashback Offers: Some casinos offer cashback on losses, returning a percentage of your lost bets. These offers are typically available on a weekly or monthly basis.
- VIP & Loyalty Rewards: High rollers may unlock exclusive rewards, such as higher cashback, personal account managers, and luxury gifts through VIP programs.
From our extensive research, we have found the following to be the best credit card online casinos for different types of bonuses:
| Bonus | What You Get | Credit Card Casino |
|---|---|---|
| 🤝 Welcome Bonus | 200% up to $7,000 + 30 free spins | Black Lotus Casino |
| 🎰 Free Spins | Up to 200 free spins | Wild Casino |
| 💵 Cashback | Up to 45% weekly cashback | Raging Bull Slots |
| 🤵🏻♂️VIP Club | 5-level VIP program | Raging Bull Slots |
Best Credit Card Casino for Bonuses: Wild Casino
From the massive welcome package to weekly and monthly tournaments and top ups, Wild Casino rewards credit card players plenty.
If you are looking to get the most out of your credit card deposits, Wild Casino is a top choice. That’s because this online casino boasts an impressive selection of promotions for new and active players alike.
As a new player at Wild Casino, you can claim a welcome package worth up to $9,000 in total. This bonus is spread across your first five deposits, with your initial credit card deposit triggering a 250% bonus up to $1,000 plus up to 200 free spins.
Once you have claimed and played through your welcome bonus(es), you can look forward to lots of other offers if you continue depositing and playing at Wild Casino. The promotions page is full of ongoing deals, including a 10% weekly rebate, game of the week bonus, Tuesday top up, and more.
Just make sure to read all promotion terms and to check for any bonus code before making your activating deposit.
Best Credit Card Casino Games
Online casinos that accept credit cards typically feature a game lobby with hundreds or even thousands of titles. These games are developed by various software providers and fall into the following categories.
🎰 Slots
Slots are generally the most popular games for online casino players. This category offers something for everyone, from classic three-reel slots to modern video slots with advanced features and massive progressive jackpots that can pay out millions.
♣️ Table Games
Traditional casino favorites like blackjack, roulette, baccarat, and craps are widely available online. Many credit card casinos offer different variations of each game to cater to different budgets and preferences.
🚀 Crash Games
A newer trend in online gambling. Crash games involve a rising multiplier that can “crash” at any moment. Your goal is to cash out before the multiplier drops to avoid losing your stake–while waiting as long as possible to get the biggest payout.
🤵🏻♂️ Live Dealer Games
Live casino games provide a real-life gambling experience by streaming professional dealers directly to your device. Play live blackjack, roulette, baccarat, and game-show-style games where you are met with real dealers and other players in real time.
♠️ Poker
Many credit card casinos offer poker rooms where you can play Texas Hold’em, Omaha, and other variations against real players. Video poker machines also provide a fast-paced, single-player alternative.
🎟️ Bingo & Keno
Lottery-style games like bingo and keno offer simple yet engaging gameplay. Here, you simply choose your numbers and win prizes based on matching results–fully based on luck.
Best Credit Card Casino for Games: Cafe Casino
From classic slots to modern crash games and exclusive titles, Cafe Casino offers everything you need for a high-quality gaming experience.
Cafe Casino is a trusted online casino that has been around since 2016. The casino offers a solid and diverse game lobby, which covers categories such as slots, table games, speciality games, jackpots, and live dealer.
I found the specialty games category particularly interesting, as it includes crash games, bingo, scratch cards, and keno—alternative game types not available at all state-licensed online casinos.
Despite the extensive game selection, the site remains easy to navigate thanks to well-organized subcategories. There is also lots of information available about each game category, making it a very beginner-friendly platform.
Tips for a Smooth Experience at Credit Card Casinos
Are you ready to start playing but want to avoid common pitfalls? Follow these tips for hassle-free gaming at online casinos with credit card deposits:
- Use a Card That Supports Gambling Transactions: Some banks block casino payments. If one card fails, try another, or complete a card-to-crypto payment.
- Check for Fees: Some casinos or banks charge deposit fees. Look for fee-free options to enjoy the full deposited amount in your bankroll.
- Be Aware of Transaction Limits: Each casino sets its own limits on deposits and withdrawals per transaction, as well as potential weekly or monthly caps. Be sure to check these limits before making a deposit.
- Read Bonus Terms Before Depositing: Most casinos offer bonuses on credit card deposit, but there might be terms such as minimum eligible deposit amount or bonus codes required.
- Have a Backup Payment Method: Since most casinos don’t allow credit card withdrawals, consider setting up a crypto wallet or bank transfer option for cashing out.
FAQs
The best credit card casinos are secure, licensed, and offer fast deposits with minimal fees. There are many online casinos that take credit card payments, but some top-rated options include Wild Casino, Raging Bull Slots, and Black Lotus Casino.
Many online casino apps accept credit cards, and nowadays, you can access any online casino on your mobile device, thanks to mobile-friendly websites that seamlessly adapt to your screen size.
No, gambling with a credit card is not illegal at offshore casinos, but some US states restrict the use of credit cards for online gambling. Additionally, certain banks may decline gambling transactions due to internal policies.
While it is possible, most online casinos do not allow credit card withdrawals. Instead, players typically use bank transfers, cryptocurrencies, or eWallets to cash out winnings. Withdrawal times vary based on the selected method.
Yes, many casinos offer bonuses for credit card deposits, including matched deposit bonuses, free spins, and cashback. Always check the promotion terms to ensure credit card deposits qualify for the offer.
Yes, many online casinos accept prepaid credit cards for deposits, but it is not possible to use them for withdrawals.
