
Gambling with credit cards can be a tricky business, especially when it comes to sportsbooks and online casinos. Many credit card companies prohibit transactions with online gambling sites, and some may even charge you a fee for doing so.
Some credit cards, like American Express, explicitly prohibit transactions with online gambling sites, while others, like Visa, may allow them but with restrictions. It's essential to review your credit card agreement to understand their policies.
Credit card companies often view online gambling transactions as high-risk, which is why they may flag or decline these types of transactions. This can lead to a hassle when trying to place a bet or make a withdrawal.
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Gambling with Credit Cards: Risks and Restrictions
Gambling with credit cards is not allowed in some states, so it's essential to know the restrictions before you start.
Iowa, Massachusetts, Tennessee, New Hampshire, and Rhode Island prohibit credit card deposits into sports betting accounts. If you're located in one of these states, you'll need to explore alternative funding options.
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You can use PayPal and Play+ prepaid cards as alternatives to fund your sports betting account. These options allow you to transfer funds from a bank account into your account, making it possible to deposit money into your online sports betting account.
Here are the states that restrict credit card betting:
- Iowa
- Massachusetts
- Tennessee
- New Hampshire
- Rhode Island
Large Issuers Restrict Purchases
Large issuers like Wells Fargo and Citibank specifically address online gambling in their card terms, prohibiting it or outlining how it will be handled. Many issuers classify online gambling purchases as cash advances, which can lead to fees and higher interest rates.
Some issuers, like Chase, no longer explicitly list online gambling as an illegal activity, but still reject online gambling transactions. This means that even if your card issuer doesn't strictly prohibit online gambling, they may still reject your purchase.
Issuers are free to accept or reject transactions at their discretion, and many would rather reject an online gambling transaction than risk wading into legal waters. This can leave you without access to your desired online gambling site.
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If your card issuer does classify online gambling purchases as cash advances, you'll be subject to fees, higher interest rates, and potentially lower credit limits. This can add up quickly, especially if you're making frequent online gambling purchases.
Here's a breakdown of how some major credit card issuers classify online gambling purchases:
Keep in mind that this list is not exhaustive, and other issuers may have different policies. It's essential to check your card terms and conditions before making any online gambling purchases.
Game Regulations
If you're planning to use a credit card to fund your sports betting account, be aware that some states have restrictions on credit card deposits.
In the US, Iowa, Massachusetts, Tennessee, New Hampshire, and Rhode Island prohibit credit card deposits into sports betting accounts.
If you're located in one of these states, you'll need to explore alternative funding options.
PayPal and Play+ prepaid cards are viable alternatives to credit card deposits. You can transfer funds from a bank account into a PayPal account to make a deposit into an online sports betting account.
Here are the states that prohibit credit card deposits into sports betting accounts:
- Iowa
- Massachusetts
- Tennessee
- New Hampshire
- Rhode Island
Will Casinos Accept Digital Currencies?
Casinos are still working to accept credit cards for gambling, but for now, you'll need to gather cash to take advantage of their options.
Most casinos are hesitant to accept credit cards due to the potential risks and restrictions associated with them.
In the meantime, it might be a good idea to consider alternative payment methods, such as gathering cash at the casino.
Casinos are not yet accepting digital currencies, but it's worth keeping an eye on their progress in this area.
Master
Mastercards are a popular choice for online gambling, accepted at many credit card casinos. They have high standards for security and acceptability.
Mastercard casinos often offer a range of deposit limits, from as low as $20 to as high as $1,000, depending on the site. For example, DuckyLuck allows deposits between $25 and $1,000.
Mastercards are also widely accepted for deposits, with many sites allowing Visa, Mastercard, AMEX, and Discover cards. You can see the accepted credit cards for each site in the table below:
It's worth noting that not all Mastercard casinos allow withdrawals, with some sites like DuckyLuck and BetUS not accepting card withdrawals.
Rewards and Benefits
You can claim some amazing bonuses with your credit card at online casinos. These promos can double, triple, or even quintuple your initial deposit, giving you a bigger bankroll to play with.
For example, at Las Atlantis, you can deposit at least $30 to get a 280% deposit boost. BetUS offers a 150% boost for deposits between $50 and $3,000. El Royale gives you a 240% match on your first deposit up to $2,400.
The best part? Most online casinos accept Visa, Mastercard, and even American Express. DuckyLuck, for instance, accepts Visa, Mastercard, AMEX, and Discover.
Here's an interesting read: American Express Credit Card Is Visa or Mastercard
You Won't Earn Rewards
You won't earn rewards with most credit cards, especially when it comes to online gambling purchases. This is because issuers are hesitant to allow these types of transactions.
Even if your issuer does process an online gambling payment as a cash advance, these transactions are ineligible to earn cash back or other rewards.
You're unlikely to count towards your spending requirement for earning a welcome bonus with online gambling purchases.
For more insights, see: Penfed Rewards
Why Use for Deposits

Using credit cards for deposits on betting sites offers several advantages, including flexibility in minimum and maximum deposit amounts, with some sports betting apps allowing as little as $5 and as much as $5,000.
Most top sports betting sites that accept debit cards also take credit cards, and process transactions in a timely manner. This means you can get started with betting quickly.
The Fair Credit Billing Act provides an additional layer of security when using a credit card to fund a sportsbook account, as it mandates protection against fraud for all customers.
Some sports betting apps have a wide range of welcome bonuses, including a 200% crypto bonus, and offer daily odds boosters on popular sports like NBA, MLB, and NFL.
Here are some benefits of using credit cards for deposits:
- No credit card fees with some sportsbooks, like BetUS
- Instant deposits, so you can start betting right away
- Wide range of deposit amounts, from $50 to $5,000 or more
- Welcome bonuses and promotions available with some sportsbooks
BetUS, for example, offers a 100% sportsbook boost and a 25% casino boost with a $100 deposit, and has daily odds boosters on popular sports.
Deposit Fees

Some sportsbooks don't charge fees for credit card deposits, but your bank might.
Your bank may treat credit card deposits as cash advances, incurring fees of 2.5%-3%.
To avoid these charges, use a Visa debit card instead, which typically eliminates fees.
Credit card deposits may not be the best option, but there are alternatives.
El Royale: Best for Bonuses
El Royale is a standout when it comes to bonuses, offering a wide range of welcome bonuses that can be claimed with as little as $30 using your Visa or Mastercard.
One of the nice things about El Royale's bonuses is that they're fairly customizable, allowing you to choose from four different welcome bonus packages.
You can deposit $35 and claim 70 free spins on the Gemtopia slot if you just want free spins. Alternatively, you can choose to boost your initial deposit and get some free spins.
The top bonus package offers a 240% deposit boost up to $2,400 plus 40 free spins, valid for slots, video poker, keno, scratch cards, blackjack, and tri-card poker.
Explore further: Penfed Bonus
El Royale also has a live dealer casino from Visionary iGaming, which adds an extra layer of excitement to your gaming experience.
Here are some key benefits of El Royale's bonuses:
- Welcome bonuses worth up to $12,500
- Over 130+ slot machines
- No fees for withdrawals
However, it's worth noting that withdrawal limits are high, and table games are limited to blackjack, roulette, and casino poker.
American Express
American Express is a unique player in the credit card world, as it's both a network and a card issuer, giving it a distinct edge in terms of control over its products.
One of the most notable things about American Express is that its cards aren't accepted at online gambling sites as much as Visa or Mastercards are.
Despite this, American Express cards are still considered some of the most prestigious credit cards in the world, making them a great choice for those who value exclusivity and high-end rewards.
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5. Your Score Is Critical
Your credit score is a delicate thing, and using a credit card for online gambling can put it at risk. Ballooning interest and late fees can accumulate quickly.
Regularly carrying a balance on your credit card can raise your credit utilization ratio, which is the percent of credit you're using versus your total available credit. Ideally, you want to keep this ratio at 30 percent or less.
Paying down your debts and keeping up on payments is crucial to maintaining a healthy credit score. This will also make it easier to borrow in the future.
Sportsbooks and Online Casinos
Several sportsbooks accept credit cards for user convenience. Caesars Sportsbook, for instance, accommodates Visa, Mastercard, and Discover, while bet365 accepts Visa and Mastercard but not Discover or AMEX cards.
Some sportsbooks are more credit card friendly than others. BetMGM, for example, supports Visa, Mastercard, Discover, and American Express, making it a frontrunner in credit card compatibility.
Here are some sportsbooks that accept credit cards, along with their corresponding promo codes:
- Caesars Sportsbook: ROTODYW
- bet365: ROTOWIRE
- DraftKings: No promo code mentioned
- BetMGM: ROTOSPORTS
- FanDuel: No promo code mentioned
- Hard Rock Bet: No promo code mentioned
- ESPN BET: ROTO
Popular Sites
If you're looking for a reliable sportsbook, I'd recommend checking out Caesars Sportsbook, which accepts Visa, Mastercard, and Discover for user convenience. Their welcome offer is a bet $1, double your winnings on your next 10 bets.
BetMGM is another great option, as it supports Visa, Mastercard, Discover, and American Express, making it a frontrunner in credit card compatibility. You can sign up with the BetMGM bonus code ROTOSPORTS for a first bet offer worth up to $1,500.
FanDuel is also worth considering, as it welcomes Visa, Mastercard, Discover, and American Express, offering an extensive range of payment methods. Their welcome offer is a bet $5, win $250 in bonus bets.
If you're looking for a casino experience, DuckyLuck is a top-rated credit card casino that accepts all four major card networks with low minimum deposits. They offer a massive selection of high-quality casino games, including slots, table games, and more.
Here are some popular sites that accept credit cards:
BetUS is another great option for credit card users, as it doesn't charge credit card fees and offers a 100% sportsbook boost and a 25% casino boost as part of their new player promotion.
Pros and Cons of Sportsbooks
Using credit cards to fund your sportsbook account can be a convenient option, but it's essential to consider the pros and cons.
Instant transaction processing times make it easy to get started with online sports betting. This means you can quickly make a deposit and start placing bets.
Credit card payments are also a safe and secure method, backed by the Fair Credit Billing Act. This provides an added layer of protection for your financial information.
One benefit of using credit cards is that there are no fees from credit card betting sites and Visa betting sites. This means you can keep more of your money in your account.
However, many banks may treat a sportsbook credit card deposit as a cash transfer, which can come with banking fees. This is something to be aware of before making a deposit.
To make the most of your credit card rewards, you can redeem them when you make credit card deposits. This can be a great way to get some extra value from your rewards program.
But, it's worth noting that using credit cards to fund your sportsbook account means you're borrowing funds, which can lead to going into debt if not managed carefully.
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Types of Site
There are several types of sportsbooks and online casinos to choose from. Each type has its own unique features and benefits.
Sportsbooks can be categorized into two main types: traditional sportsbooks and online sportsbooks. Online sportsbooks allow users to bet from the comfort of their own homes.
Online casinos can be classified into three main categories: download-based casinos, flash-based casinos, and live casinos. Download-based casinos require users to download software to access games.
Flash-based casinos allow users to access games directly through their web browsers. Live casinos offer a more immersive experience, with real dealers and real-time gameplay.
Each type of sportsbook or online casino has its own advantages and disadvantages. For example, traditional sportsbooks often have a more personalized experience, while online sportsbooks offer greater convenience.
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Payment Options and Providers
Payment options for online gambling are diverse, and credit cards are just one of the many choices available.
Visa offers four types of payment options for funding your sportsbook account: credit, debit, prepaid, and gift cards.
Using a Visa credit card to fund your account comes with fees from your bank, as the lender treats Visa credit card deposits as bank transfers. This can be a drawback for some users.
Visa debit cards, on the other hand, use your own checking account funds, making it a more direct payment method.
Other Payment Options
You're not limited to using a credit card at a casino. Debit cards are a common alternative, allowing you to pay what you owe without dipping into credit.
Bank wire transfers are another option, providing a secure way to transfer funds directly from your bank account to the casino.
Prepaid cards can also be used, offering a convenient way to fund your casino account without the need for a traditional bank account.
Skrill and Neteller are digital payment services that can be used to pay casino fees, providing a fast and secure way to transfer funds.
Many casinos are starting to accept cryptocurrency, but it's not yet widely available, so you may want to stick with traditional payment methods if you're not familiar with cryptocurrency.
Accepting Online Payments
Online casinos and sportsbooks are increasingly accepting credit cards as a form of payment, making it easier for users to fund their accounts.
Many online casinos accept credit cards, but only a few have what it takes to be your go-to gambling site. DuckyLuck is a top-rated credit card casino, while BetUS stands out as the best credit card sportsbook.
Some online sportsbooks that accept credit cards include Caesars Sportsbook, which accommodates Visa, Mastercard, and Discover for user convenience. bet365 also accepts credit cards, but does not support Discover or AMEX cards.
Credit card compatibility varies across online sportsbooks, but some notable examples include BetMGM, which supports Visa, Mastercard, Discover, and American Express, and FanDuel, which welcomes Visa, Mastercard, Discover, and American Express.
Here are some online sportsbooks that accept credit cards, along with their respective promotions:
Prepaid
Prepaid gift cards are a great way to add an extra layer of safety to your online transactions, as they only allow a certain amount of money to be spent.
They're super accessible and easy to use, and most gift cards are reloadable. This means you can top up the funds on your card as needed.
Most prepaid gift cards are powered by well-known networks like Visa, Mastercard, or AMEX, which allows you to make deposits at casinos that accept these options.
Check this out: Can I Use Credit Card to Buy Gift Cards
Using Credit Cards at Casinos
You can use a credit card to fund your casino bankroll, but it's not as straightforward as using a debit card. Many credit cards treat funding a debit card as a "purchase", rather than a cash advance with fees.
You can sign up for a debit card, such as the Borgata or Golden Nugget card, and load it with your credit card. You can then access the cash without fees at the cage. This can be a great way to add an extra "advantage" to your bankroll, especially if you have a credit card that rebates you 2% or more in travel and other benefits.
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You can also use a credit card to get cash at the casino's ATM, but this will come with associated fees. Alternatively, you can ask for a cash advance at the casino cashier's cage and potentially show your ID. Some credit cards, like Visa, Mastercard, and Discover, are accepted by many online casinos, while others, like American Express, may have more limited acceptance.
How to Use a Casino Card
If you don't have cash on hand, you can use your credit card at a casino, but it's not as straightforward as using a debit card.
Head to the casino cashier's cage to initiate the process.
You'll need to ask for a cash advance, which will give you the cash you need to play.
You may also be asked to show ID, so be prepared to do so.
The casino's ATM is a viable alternative, but be aware that you'll be charged associated fees.
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What About Casinos?
Online casinos are a different story when it comes to using credit cards. Most online casinos accept credit cards as a secure payment method.
However, not every online casino site accepts credit cards, so you may need to explore alternative options.
If your credit card is rejected by an online casino, you can consider using a cash advance, but be aware that this comes with fees and a higher interest rate than traditional purchases.
Credit cards can be a hassle to use at online casinos, especially with the addition of fees and a lower credit limit.
If you want to gamble online, make sure to do it in a state where online gambling is legal. Currently, Arizona is one of the states where online gambling is allowed.
Check this out: Discover Card Gambling
Comparing Top Casinos
Using credit cards at casinos can be a convenient and hassle-free experience. The good news is that many top casinos accept a wide range of credit cards, including Visa, Mastercard, AMEX, and Discover.
If you're looking for a casino that accepts a variety of credit cards, DuckyLuck is a great option, as it accepts Visa, Mastercard, AMEX, and Discover. BetUS is another casino that accepts multiple credit cards, including Visa, Mastercard, and AMEX.
When it comes to deposit limits, some casinos have stricter limits than others. For example, DuckyLuck has a deposit limit of $25 to $1,000, while BetUS has a deposit limit of $50 to $2,499.
Here's a quick comparison of some of the top casinos that accept credit cards:
It's worth noting that some casinos may not allow card withdrawals, so be sure to check the casino's terms and conditions before signing up.
How to Use at a Casino
You can use credit cards at online casinos, but did you know that you can also use them at physical casinos? In Atlantic City, some casinos like Borgata and Golden Nugget already allow prepaid access cards for slot machines.
To use a credit card at a casino, you'll need to sign up for a debit card with a nominal fee, then load it with your credit card. You can access the cash without fees at the cage.
Many major credit card issuers, except Citibank, treat funding debit cards as a "purchase" rather than a cash advance with fees. This means you can potentially earn rewards on your credit card, like 2% or more in travel benefits.
If you have a credit card with a spending bonus or progressive spending bonus, you could earn even more rewards by using it to fund your casino bankroll.
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Sources
- https://wizardofvegas.com/forum/gambling/betting-systems/17143-bankrolling-with-credit-cards-an-advantage-for-players/
- https://www.bankrate.com/credit-cards/rewards/using-cards-for-online-gambling/
- https://www.rotowire.com/betting/sites/credit-card
- https://www.mintdice.com/blog/can-you-use-a-credit-card-at-a-casino
- https://www.gamblingsites.org/banking/credit-card/
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