Online Casinos That Accept Credit Cards in the US

Posted on August 22, 2025 by author in Gambling

In today’s fast-paced digital world, online gambling has become a go-to entertainment option for millions of Americans. Whether you’re spinning slots from your couch in New Jersey or placing bets on blackjack in Michigan, the convenience of funding your account quickly and securely is paramount. That’s where online casinos that accept credit cards in the US come into play. Credit cards like Visa, Mastercard, American Express, and Discover offer instant deposits, allowing you to jump straight into the action without the hassle of complicated setups.

But why focus on US online casinos that accept credit cards? For starters, they’re widely available and trusted by players across legal states. According to recent industry reports, over 80% of US adults own at least one credit card, making this payment method a natural fit for online gaming. In 2025, with the online gambling market projected to grow even further, credit cards remain a staple for seamless transactions at top sites.

However, navigating this landscape isn’t without its nuances. Online gambling legality varies by state, and not all cards or banks support gaming deposits. Some transactions might be treated as cash advances, leading to fees or declines. That’s why this guide is here—to help you find the best online casinos accepting credit cards in the US, understand the pros and cons, and play safely. We’ll cover everything from top-rated sites like BetMGM and Caesars Palace Online Casino to safety tips and alternatives.

If you’re new to this, imagine logging into a casino app, entering your card details, and having funds ready in seconds. It’s that simple, but choosing the right platform ensures a smooth experience. Stick around as we dive deep into what makes these casinos stand out, how to deposit, and why credit cards could be your best bet for real-money gaming in 2025.

The Legality of Online Gambling and Credit Card Use in the US

Online gambling in the US is a patchwork of regulations, evolving rapidly since the 2018 Supreme Court decision that overturned the Professional and Amateur Sports Protection Act (PASPA). This ruling allowed states to legalize sports betting and, by extension, online casinos. As of August 2025, real-money online casinos are fully legal in seven states: Connecticut, Delaware, Michigan, New Jersey, Pennsylvania, Rhode Island, and West Virginia. In these jurisdictions, players can legally deposit using credit cards at licensed platforms.

For instance, New Jersey—often called the epicenter of US online gambling—boasts a robust market with operators like BetMGM and Caesars accepting Visa and Mastercard deposits seamlessly. Pennsylvania follows suit, with sites like DraftKings Casino allowing credit card funding for slots, table games, and live dealer experiences. Michigan, which launched online casinos in 2021, has seen explosive growth, with credit cards being a popular choice due to their familiarity.

However, credit card use isn’t unrestricted everywhere. States like Iowa, Massachusetts, New Hampshire, Rhode Island, and Tennessee prohibit credit cards for online gambling deposits to curb impulse spending and potential debt. In these areas, alternatives like debit cards or e-wallets are mandated. Even in legal states, some banks may block transactions, classifying them as cash advances under the Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006, which restricts certain financial transactions related to online gambling.

Offshore casinos add another layer. These platforms, licensed in places like Curacao or Panama, accept US players from all states and often support credit cards without the same restrictions. Sites like Wild Casino and Raging Bull are popular among players in non-regulated states, offering instant deposits via Visa or Mastercard. While they’re not federally illegal for players to use, they operate in a gray area, so caution is advised—stick to reputable ones with strong security.

Sweepstakes casinos provide a legal workaround nationwide. These sites, like Stake.us or WOW Vegas, use virtual currencies (Gold Coins and Sweeps Coins) and allow credit card purchases for coin packages. They’re not traditional gambling but offer casino-style games with potential cash redemptions.

In summary, if you’re in a legal state, credit cards are a viable option at state-licensed casinos. Elsewhere, offshore or sweepstakes sites fill the gap. Always check your state’s laws and your bank’s policy to avoid surprises. With the industry expanding—projections show US online gambling revenue hitting $35 billion by 2025—more states like New York and California may join, broadening credit card access.

Types of Credit Cards Accepted by US Online Casinos

When it comes to funding your online casino account, not all credit cards are created equal. US online casinos typically accept a handful of major providers, each with its own strengths and acceptance rates. Here’s a breakdown of the most common types:

Visa

Visa is the king of credit card casinos in the US, accepted at nearly every licensed and offshore site. With over 100 billion transactions processed annually and 52% of American adults holding a Visa card, it’s no wonder. Deposits are instant, secure with features like Visa Secure, and often fee-free from the casino side. Top Visa casinos include Caesars Palace Online Casino and BetRivers, where minimum deposits start at $10.

Mastercard

Right behind Visa, Mastercard is another staple, accepted at sites like DraftKings and FanDuel. It’s trusted by over 1 billion users worldwide and offers zero fraud liability. Like Visa, deposits are quick, but some banks may flag gambling transactions. Mastercard casinos often include perks like SecureCode for added protection.

American Express (Amex)

Amex is less common but prized for its rewards program, with around 56.4 million cards in circulation in the US. Sites like Borgata and BetMGM accept Amex, offering instant deposits without annual or foreign transaction fees. However, it’s rarer due to stricter approval processes for gambling.

Discover

Discover is the underdog, accepted at fewer casinos but valued for its security and low fees. Platforms like Wild Casino and Raging Bull support it, with no-fraud liability and quick processing. It’s especially appealing for younger users or those building credit.

In general, Visa and Mastercard dominate, while Amex and Discover are spotty but rewarding when available. Always check the casino’s banking page—most list accepted cards clearly. Prepaid or gift cards powered by these networks can also work as alternatives if your main card is declined.

Pros and Cons of Using Credit Cards for Online Gambling in the US

Using credit cards at US online casinos is like grabbing your wallet for a quick errand—familiar and straightforward. But like any payment method, it has its upsides and drawbacks. Let’s break it down honestly.

Pros

Convenience and Speed: Deposits are instant, letting you play right away. No need for new accounts or apps—just enter your details and go. Perfect for spontaneous sessions.
Widespread Acceptance: Most US casinos, from BetMGM to offshore sites like Wild Casino, accept major cards. With 166 million credit card users in the US, it’s accessible.
Rewards and Bonuses: Earn cashback or points on deposits. Plus, many casinos offer bonuses for card users, like Wild Casino’s $5,000 welcome package.
Security Features: Built-in protections like fraud monitoring and zero liability shield you. Casinos use SSL encryption too.
High Limits: Deposits can reach $1,000 or more per transaction, ideal for high rollers.

Cons

Potential Declines: Some banks block gambling transactions or treat them as cash advances, leading to fees (3-5%) and higher interest rates (around 20%).
No Withdrawals Often: Many casinos don’t allow card payouts, forcing alternatives like bank transfers (1-6 days).
Risk of Overspending: Credit lets you borrow, which can lead to debt if not managed. It’s easy to chase losses with “fictitious” money.
Fees and Interest: Cash advance treatment means immediate interest accrual, no grace period.
State Restrictions: Banned in some states, limiting options.

Overall, credit cards shine for ease but require discipline. If cons outweigh pros for you, consider debit or e-wallets for safer play.

Top Online Casinos Accepting Credit Cards in the US for 2025

Finding reliable US online casinos that accept credit cards can feel overwhelming, but we’ve done the legwork. Based on factors like bonuses, game variety, security, and user experience, here are our top picks for 2025. These sites are licensed, offer instant deposits, and cater to US players.

BetMGM Casino

BetMGM tops our list for its seamless credit card integration and massive game library. Accepting Visa, Mastercard, and Amex, deposits start at $10 with no fees from the casino. New players get a 100% match up to $1,000 plus $25 in free play. With over 1,000 slots, table games, and live dealers from NetEnt and Evolution, it’s available in NJ, PA, MI, and WV. Payouts via card (where allowed) take 3 days. Pros: Excellent app, daily jackpots. Cons: Limited card withdrawals in some states.

Caesars Palace Online Casino

A household name, Caesars accepts Visa, Mastercard, and Discover for instant deposits from $10. Welcome bonus: 100% up to $1,000 + $10 free bet. Boasting 1,000+ games including Pai Gow and roulette, it’s licensed in multiple states. Rewards program ties into land-based perks. Card withdrawals process in 1-3 days. Pros: Varied games, fast support. Cons: Higher wagering requirements (15x).

Borgata Casino

Borgata shines for live dealer fans, accepting Visa, Mastercard, and Amex. Deposit min: $10. Bonus: 100% up to $1,000 + $20 free. Over 1,000 slots and tables from Evolution. Available in NJ and PA. Withdrawals to cards take 3 days. Pros: Extensive live games. Cons: No Amex withdrawals.

Wild Casino (Offshore)

For nationwide access, Wild Casino accepts Visa, Mastercard, Amex, and Discover with mins at $25. Welcome: Up to $5,000. 400+ games including slots and table variants. Crypto alternatives available. Pros: High bonuses, 24/7 support. Cons: Offshore, so verify legality.

Raging Bull Slots

Another offshore gem, Raging Bull takes all major cards with $30 mins. Bonus: 250% up to $2,500 + 50 spins. VIP program excels. Pros: Great loyalty rewards. Cons: Fees on some deposits (3-10%).

DraftKings Casino

DraftKings accepts Visa, Mastercard, and Discover. Bonus: Bet $5, get $200. Sports integration. Pros: User-friendly. Cons: Limited to legal states.

FanDuel Casino

Visa and Mastercard here, with $10 mins. Bonus: Up to $1,000 back. Pros: Fast app. Cons: Fewer card options.

These casinos prioritize security with SSL and fair play via RNG audits. Always start with the welcome bonus for extra value.

How to Deposit with Credit Cards at US Online Casinos

Depositing with a credit card is straightforward—here’s a step-by-step guide:

Choose a Casino: Pick from our list, like BetMGM, and sign up with basic details.
Verify Your Account: Upload ID for KYC, which takes 24-72 hours.
Go to the Cashier: Navigate to the banking section.
Select Credit Card: Choose Visa, Mastercard, etc.
Enter Details: Input card number, expiration, CVV, and amount ($10+ typically).
Confirm: Authorize via app or SMS if needed. Funds appear instantly.
Claim Bonus: Enter any promo code.

Tips: Use a dedicated card for gaming to track spending. If declined, try a different card or contact your bank.

Safety Tips for Using Credit Cards at US Online Casinos

Safety first—here’s how to protect yourself:

Choose Licensed Sites: Stick to state-regulated or reputable offshore casinos with Curaçao licenses.
Look for SSL Encryption: Ensure the site has HTTPS and a padlock icon.
Enable 2FA: Add two-factor authentication.
Monitor Statements: Check for unauthorized charges weekly.
Set Limits: Use casino tools for deposit caps.
Avoid Public Wi-Fi: Deposit on secure networks.
Gamble Responsibly: Only use money you can afford; seek help from 1-800-GAMBLER if needed.

Credit cards offer fraud protection, but vigilance is key.

Alternatives to Credit Cards for US Online Casino Deposits

If credit cards aren’t ideal, try these:

Debit Cards: Similar process, but uses your own funds. Accepted everywhere, no borrowing risk.
E-Wallets (PayPal, Skrill): Fast, secure; link to your bank. Instant deposits, low fees.
Cryptocurrencies: Bitcoin, Ethereum for anonymity and bigger bonuses. Sites like BetUS excel here.
Bank Transfers/ACH: Direct from your account, but slower (1-3 days).
Prepaid Cards (Play+): Load funds, use like credit; fee-free at many casinos.
PayNearMe: Cash deposits at stores like 7-Eleven.

These options avoid cash advance fees while maintaining speed.

Bonuses and Promotions for Credit Card Deposits

Credit card deposits often qualify for juicy bonuses. For example, Wild Casino offers 250% up to $1,000 on your first deposit. BetMGM matches 100% up to $1,000. Look for low wagering (10-30x) and check terms—some exclude cards, but most include them. Reloads and cashback add ongoing value.

FAQs

Are credit cards safe for online casinos? Yes, with encryption and fraud protection, but choose licensed sites.

What if my deposit is declined? Try another card or contact your bank; it might be flagged as a cash advance.

Can I withdraw to my credit card? Sometimes, but often not—use alternatives like bank transfers.

What’s the minimum deposit? Usually $10-$25.

Do offshore casinos accept US credit cards? Yes, widely.

Conclusion

Online casinos that accept credit cards in the US offer unmatched convenience for 2025 gaming. From legal states to offshore options, cards like Visa provide instant access to thrilling games. Remember to play responsibly, choose secure sites, and explore alternatives if needed. With the right approach, your next spin could be a winner—good luck!