Legal Online Casinos that Accept Credit Cards

online gamblingEven though today’s gambling sites have adopted various modern payment methods, from e-wallets to cryptocurrency, credit cards remain the most popular. Once online gambling became legal and regulated in the US, almost every casino gave players an option to deposit and withdraw using their Visa, MasterCard, American Express, and Discover cards.

The main reason most online gamblers stick to credit cards is that they are already familiar with their use. Almost every person owns a credit card, so there’s no need to open any additional payment accounts and learn how to use a new method. What’s more, credit cards are incredibly convenient, secure, and allow for relatively quick transactions.

Keep reading to learn which US online casinos and sportsbooks accept credit cards, what their limits are, and how to deposit and withdraw money from your online gambling account.

Legal online casinos that accept credit cards

If you own a credit card issued by Visa or MasterCard, chances are you’ll find these options accepted on any legal US casino site you come across. We found that credit card payments are allowed in online casinos in New Jersey, Colorado, Indiana, Iowa, Illinois, Pennsylvania, and many other states. Here are some of the best ones.

Legal online sportsbooks that accept credit cards

Just like online casinos, legal US sportsbooks are also very keen on accepting credit card payments. Popular brands like BetMGM, Unibet, FanDuel, and many more will allow you to deposit and cash out using your card.

Legal online poker sites that accept credit cards

If you like playing online poker and need a quick option for establishing your bankroll, credit cards are the way to go. You can make a credit card deposit and withdrawal on the following legal US poker sites:

  • PokerStars
  • 888 Poker
  • Partypoker
  • BetMGM Poker

Why don’t all online gambling sites accept credit cards?

As mentioned, credit cards are the most widespread payment option on gambling sites. However, you may stumble upon an online casino or sportsbook that doesn’t accept them.

The reason for an operator not accepting credit cards may be that it wants to promote another payment method and entice its players to use that option instead. In other cases, an online casino may be brand new and still hasn’t finished all the paperwork necessary to accept credit cards.

Which states don’t accept credit cards?

  • Tennessee sportsbooks: TN sportsbooks do not accept credit cards, but do offer plenty of other options to online sports bettors, including e-wallets and prepaid cards.
  • Iowa sportsbooks: Sports bettors won’t be able to use a credit card in Iowa either. The law does permit PayPal and prepaid cards.

How to deposit at gambling sites with a credit card

Of course, to deposit using a credit card, you first must own one. The basic requirements for getting a credit card issued by a bank are that you are at least 18 years old and have a social security number, source of income, and positive credit history.

Once your application is approved and you get your card, you can start using it, both in retail stores and for online purchases.

But how do credit cards work for online casinos and sportsbooks? Here’s a quick step-by-step protocol on how to make your first deposit using a credit card:

  1. Choose an online casino or sportsbook and create an account.
  2. Log in to your account and go to the cashier page.
  3. Choose your credit card provider from the list of options (Visa, MasterCard, AmEx, etc.)
  4. Input your credit card number and CVV number.
  5. Enter the desired deposit amount while minding the operator’s minimum and maximum deposit limits.
  6. Confirm the transaction.

After you’ve done all of this, the money should appear in your online gambling account almost instantly.

How to cash out using credit cards

Cashing out via credit card is just as easy as making a deposit. If you won some money and want to transfer it back to your card, here’s what you need to do:

  1. Log in to your online gambling account and go to the cashier page.
  2. Choose Withdraw and select your card provider.
  3. Enter your card details and type in the amount you wish to cash out.
  4. Submit your withdrawal request.

Note that while requesting a withdrawal, the operator might ask you to provide some verification documents, like a bank statement or a valid ID document.

Withdrawal requests on online casinos and sportsbooks usually take between a few hours and a couple of days to be processed. Once the operator accepts your request, they will send the money to your bank account. From there, you’ll have to wait a few business days for the funds to arrive.

Pros and cons of using credit cards for gambling

There are plenty of reasons why people choose credit cards for doing their online gambling transactions. On the other, there are many arguments as to why you should opt for some other method. That said, here is a list of advantages and disadvantages of using credit cards in online casinos and sportsbooks.

Credit card pros

  • Widely accepted: Online casinos and sportsbooks know that almost everyone owns a credit card and is familiar with its use, so they will gladly list it as an accepted method.
  • Ease of use: Credit cards are incredibly easy to use, as all you need to do is type in your credit card number, CVV number, and the deposit/cashout amount.
  • Works both ways: An online gambling site will usually allow you to use your credit cards for both deposits and withdrawals.
  • High-level security: While credit cards may not be the most secure option out there, they are still trustworthy enough for you not to worry about your money or personal details being misused.

Credit card cons

  • Fees: Banks and online casinos may impose small charges on your credit card transactions, especially for withdrawals.
  • Slow withdrawals: While credit card deposits are almost instantaneous, the same can’t be said for withdrawals, as you will often be forced to wait several days before claiming your winnings.

Credit cards’ entry into regulated online gambling

Credit cards predate online casinos and sportsbooks by several decades, as the first ones appeared in the 1950s. Once e-commerce became a thing, credit cards were among the first options for completing online purchases. The transition to online casinos was fairly natural, and, for a brief moment, the only way you could deposit and withdraw from online gambling sites was with the use of credit cards.

Many other payment options exist today, like prepaid cards, e-wallets, cryptos, and other online banking methods. Nevertheless, credit cards remain the most popular ones.

Other options if a gambling site doesn’t accept credit cards

If you can’t find credit cards listed at your online casino or you simply wish to use an alternative, here are a few options to consider:

  • Debit cards: They work in the same way as credit cards, except they use funds from your bank account.
  • Prepaid cards: Options like Play+ are commonly accepted in US casinos.
  • Wire transfer: Instead of using a credit card, you can link your casino account directly to your bank account.
  • ACH/e-check: This is a way to connect your checking account to an online casino.
  • PayNearMe: You can fund your online gambling account at retail locations, including 7-Elevens, CVS, or Family Dollar stores.
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