Withdrawals: Yes, at many major casinos
Typical payout: Within an hour to 3 business days
Best for: The same card checkout without borrowing
Credit Card Casinos
Online casinos that take credit cards are getting harder to find in the US. DraftKings, FanDuel, BetMGM, bet365, Caesars, and Hard Rock Bet have all stopped credit card deposits, which leaves BetRivers as the biggest licensed brand that still takes one. Even there, a credit card only funds your account, so your winnings come back through online banking or another payout method. Sweepstakes casinos are friendlier to cards, and most let you buy Gold Coin packages with a credit card. What you can use depends on your state.
Top casinos that accept credit cards
Real money choices are thin, so the shortlist starts with BetRivers. Outside the states with legal online casinos, the sweepstakes sites further down take credit cards for coin purchases.
BetRivers Casino
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Gambling is for entertainment purposes only. Stay safe and ensure success when you gamble responsibly. Gambling problem? Call or text 1-800-GAMBLER for confidential support. Visit SAMHSA’s National Helpline website for resources that include treatment center locator, anonymous chat, and more.
Real money casinos and credit cards
Here's where the major US online casinos stand on credit card deposits, and what to use instead where cards are no longer accepted.
| Casino | Credit card deposits | Payouts to a credit card | Minimum deposit | Use for payouts | States | Why it matters |
|---|---|---|---|---|---|---|
| BetRivers Casino | Yes (Visa, Mastercard, Discover) | No | $10 | Online banking, debit card, PayPal, or Venmo | MI, NJ, PA, WV | The biggest licensed brand still taking credit cards |
| DraftKings Casino | No longer accepted | No | $5 by debit card | Debit card, PayPal, or online banking | MI, NJ, PA & WV | Switch to debit for the same card experience |
| FanDuel Casino | No longer accepted | No | Check the cashier | Debit card, PayPal, Venmo, or online banking | MI, NJ, PA & WV | Debit and e-wallets cover deposits and payouts |
| BetMGM Casino | No longer accepted | No | $10 by debit card | Debit card, PayPal, Venmo, or online banking | MI, NJ, PA & WV | Any deposit method can claim its welcome offer |
| Caesars Palace Online Casino | No longer accepted | No | $5 by debit card | Debit card or online banking | MI, NJ, PA, WV | Fast debit card payouts once approved |
| Hard Rock Bet Casino | No longer accepted | No | Check the cashier | PayPal, Venmo, online banking, or Play+ | MI & NJ | Credit cards are also blocked through PayPal and Venmo |
| Fanatics Casino | Never accepted | No | $5 to $10 by state | Debit card, PayPal, or Venmo | MI, NJ, PA & WV | Built around debit cards and e-wallets |
theScore Bet and Bally Bet are also reported to take credit cards in states that allow them, so check their cashiers if you play there.
Sweepstakes casinos that take credit cards
Credit cards are still common at sweepstakes casinos, where they pay for Gold Coin packages. None of these sites send prizes back to a credit card, so plan a redemption route before you buy.
| Sweepstakes casino | Credit cards for coin purchases | Smallest purchase | Prize redemption route | Typical redemption time | Availability | Why it fits card users |
|---|---|---|---|---|---|---|
| Chumba Casino | Visa, Mastercard, American Express, Discover | $1 | Skrill, bank transfer, gift cards, or a Chumba Prepaid Mastercard | 0 to 3 business days | Varies by state; check the site's terms | Takes all four major card networks |
| Pulsz | Visa, Mastercard, American Express | $1.99 | Bank transfer, Skrill, or gift cards | 3 to 10 business days for cash prizes | Varies by state; check the site's terms | Low-cost packages on most cards |
Credit cards at a glance
| Credit cards | Details |
|---|---|
| Payment type | Revolving credit issued by a bank on the Visa, Mastercard, American Express, or Discover network |
| Where it works | BetRivers and a few smaller real money brands; most major sweepstakes casinos |
| Real money deposits | Yes at BetRivers; no longer at DraftKings, FanDuel, BetMGM, bet365, Caesars, or Hard Rock Bet |
| Real money withdrawals | No; payouts go to online banking, a debit card, or an e-wallet |
| Sweepstakes coin purchases | Yes, at most major sites |
| Sweepstakes prize redemptions | No; prizes go to a bank account, e-wallet, or gift card |
| Processing times | Deposits and coin purchases are instant |
| Fees | No casino fee listed; many issuers treat gambling as a cash advance, with fees and immediate interest |
| Minimums | $10 at BetRivers; from $1 for sweepstakes coin packages |
| US availability | Depends on the casino and the state, and some states restrict credit card gambling deposits |
| Bonus eligibility | Not excluded in BetRivers' terms as we found them; check each offer |
| Best for | Sweepstakes coin purchases, or players who already pay their card in full each month |
How a credit card casino payment works
Paying a casino by credit card means borrowing from your card issuer, not spending money you already have. The card network, such as Visa or Mastercard, carries the payment, but your bank decides whether to approve it and how to bill it. Card payments to casinos are coded as gambling, and many issuers treat that code as a cash advance or a cash-like transaction. Chase, for example, counts gambling as cash-like, which means a cash advance fee and interest that starts right away. That's why most big casinos have moved away from credit cards. If you're still weighing your options, you can compare all casino payment methods.
How to deposit with a credit card
Here's how a credit card deposit works at BetRivers, the largest licensed casino that still accepts one.
1
Check Your Card's Gambling Rules
Call your issuer or read your card agreement to see whether it allows gambling payments and whether it bills them as cash advances.
2
Sign Up Through Our Link
Create your BetRivers account with your name, address, date of birth, and the last four digits of your SSN, so any welcome offer is attached.
3
Open the Cashier
Tap Deposit and choose credit card. BetRivers lists Visa, Mastercard, and Discover.
4
Enter Your Card Details
Add the card number, expiry date, CVV, and the billing address your issuer has on file, then pick an amount of at least $10.
5
Approve the Charge
If your bank sends a verification prompt or code, approve it so the deposit isn’t declined.
6
Add a Payout Method Now
Link online banking, a debit card, PayPal, or Venmo while you’re in the cashier, since winnings can’t go back to a credit card.
Buying sweepstakes coins with a credit card
At a sweepstakes casino, a credit card pays for a Gold Coin package rather than funding a deposit, and many packages add free Sweeps Coins. Chumba takes Visa, Mastercard, American Express, and Discover from $1, and Pulsz takes Visa, Mastercard, and American Express from $1.99. Your issuer may still bill the purchase as a cash advance, so check your card terms first.
Getting paid after a credit card deposit
Real money withdrawals. Credit cards are deposit-only at US online casinos. When you win, you'll need a separate payout method, and many casinos send withdrawals to a method you've already used to deposit, so set one up early. At BetRivers, these are the payout routes its cashier offers, with the times our review lists:
- Online banking: up to 24 hours with RealTime, or 2 to 5 days by ACH
- Debit card: up to 24 hours
- PayPal or Venmo: up to 2 days
- Play+: up to 4 days
Expect an identity check before your first payout. For casinos that pay out fastest across every method, see our fast payout online casinos.
Sweepstakes prize redemptions. Sweepstakes casinos work the same way on the way out. Chumba sends prizes through Skrill, bank transfer, gift cards, or its own prepaid card, and Pulsz uses bank transfer, Skrill, or gift cards. Neither pays prizes to a credit card. Cash prize redemptions at both start at 100 Sweeps Coins, and you'll need to verify your identity first.
Cash advance fees, limits, and bonus eligibility
| Transaction | Minimum | Maximum | Fees | Processing time |
|---|---|---|---|---|
| Real money deposits | $10 at BetRivers | Set by the casino and your credit limit | No casino fee listed; issuer cash advance fees and interest may apply | Instant |
| Real money withdrawals | N/A | N/A | N/A | Not available to credit cards |
| Sweepstakes coin purchases | $1 (Chumba) or $1.99 (Pulsz) | Set by each site and your credit limit | No site fee listed; issuer cash advance fees may apply | Instant |
| Sweepstakes prize redemptions | 100 Sweeps Coins for cash prizes | Set by each site | None listed by the site | 0 to 10 business days, depending on the site |
The real cost of a credit card deposit comes from your issuer, not the casino. If your card treats gambling as a cash advance, you'll usually pay a fee on each deposit, and interest starts right away instead of after a grace period. Some cards also have a lower cash advance limit than your regular credit line, which can trigger a decline.
BetRivers sets a $10 minimum deposit for every method, including credit cards. If you'd rather keep your first deposit small, our list of low minimum deposit casinos shows where $5 or $10 gets you in.
BetRivers' bonus terms, as summarized in our review, don't exclude any deposit method, so a credit card deposit should count. Check the offer page before you deposit. Bonus funds carry wagering requirements, and each offer has its own bonus terms and conditions. You can compare current offers on our casino promo codes page.
Sweepstakes promotions usually come as free Sweeps Coins added to a coin package. Our sweepstakes casino promo codes page tracks those offers, so check each package's terms for eligible payment methods.
Where credit cards work in the US
Real money online casinos are legal in only a few states, and credit card support has shrunk inside them. BetRivers takes credit cards in Michigan, New Jersey, Pennsylvania, and West Virginia. Several states also limit credit card gambling deposits by law, and more have considered it, so check your cashier before you count on a card.
Outside those states, sweepstakes casinos are where credit cards still work widely, for coin purchases only. Sweepstakes sites aren't available in every state either, so check each site's terms before you buy.
Is it safe to use a credit card at online casinos?
The card itself is well protected. Visa and Mastercard both offer Zero Liability for unauthorized charges you report promptly, and many issuers ask you to approve online payments in their app or with a one-time code.
The bigger risk is financial. Gambling on borrowed money can build debt quickly, especially with cash advance interest. That's one reason so many operators and several states have moved away from credit cards. The real money casinos on this page are licensed by state regulators, such as the New Jersey Division of Gaming Enforcement and the Pennsylvania Gaming Control Board, which require identity and location checks. Sweepstakes casinos aren't licensed by state gaming regulators, so read their terms closely before you buy coins.
If you do use a credit card, set a deposit limit with the casino's responsible gambling tools, and only deposit what you can pay off in full.
Tip:
Before you deposit, ask your card issuer whether gambling counts as a cash advance on your account and what your cash advance limit is.
Pros and cons of using a credit card at casinos
Pros
- Deposits and coin purchases go through instantly when your issuer approves them.
- BetRivers still accepts Visa, Mastercard, and Discover credit cards in all four of its online casino states.
- Most major sweepstakes casinos take credit cards, with coin packages from $1 at Chumba.
- Card networks offer Zero Liability protection on unauthorized charges you report promptly.
Cons
- Most major US casino brands no longer accept credit cards at all.
- You can't withdraw winnings to a credit card, so you'll need a second payout method.
- Many issuers treat gambling as a cash advance, with fees and interest from day one.
- Some banks decline gambling charges outright, and some states restrict credit card gambling deposits.
Credit card alternatives
These methods work at the casinos that dropped credit cards and can also receive your payouts.
Debit card
PayPal
Withdrawals: Yes
Typical payout: Often within 24 hours
Best for: Fast deposits and payouts without card details
eCheck
Withdrawals: Yes
Typical payout: A few business days
Best for: Paying straight from a bank account
Credit card casino FAQs
BetRivers is the largest licensed US online casino that still takes Visa, Mastercard, and Discover credit cards. DraftKings, FanDuel, BetMGM, bet365, Caesars, and Hard Rock Bet have stopped, and Fanatics never accepted them. Most sweepstakes casinos still take credit cards for coin purchases.
No. Credit cards are deposit-only at US online casinos. You’ll need to cash out through online banking, a debit card, PayPal, or another method the casino supports, so it’s worth setting one up when you make your first deposit.
Often, yes. Many issuers code gambling payments as cash advances or cash-like transactions, which brings a fee and interest that starts right away. Check your card agreement or call your issuer before you deposit.
The most common reasons are that the casino no longer accepts credit cards, your issuer blocks gambling charges, or you’ve hit your cash advance limit. A debit card, PayPal, or online banking usually works instead.
Yes, at most major sites. Chumba and Pulsz both take credit cards for Gold Coin purchases. Prizes are redeemed separately, to a bank account, e-wallet, or gift card, and never back to the credit card.
At BetRivers, the bonus terms in our review don’t exclude any deposit method, so a credit card deposit should count. Offers change, so read the terms on the offer page before you deposit.
