US Online Casinos accepting Credit Cards

Almost all online gambling platforms that are licensed and regulated in the US accept credit card deposits and withdrawals. Players from New Jersey, Pennsylvania, Michigan, and West Virginia can use popular credit card brands, such as Mastercard, Visa, American Express, and Discover to make transactions. The main benefit of using credit cards is convenience. Connecting the card to the platform is a simple process that doesn’t take more than a couple of minutes. To learn more about using credit cards in online casinos in the US, read on.

Credit Card method available at top US Casinos

Most Popular Credit Card Providers

The four most popular credit card providers are Visa, MasterCard, American Express, and Discover.

American Express

The most popular card by revenue is definitely American Express, which reported revenue of $47 billion in 2019. The card is one of the financial products by the American Express Company, which is one of the oldest financial services in the US. Amex was founded on March 18, 1850, and it has been operating successfully ever since.

What makes American Express stand out from the pack is that it’s also a card issuer, as opposed to other brands, which are issued by the bank. Amex can also be your banking card if requested.

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Discover’s 2019 revenue $11.48 billion. Although it’s less popular than Amex, it’s still one of the US’s most used brands. It’s the third-largest credit card company based on the number of cards in circulation in the US, right after Visa and Mastercard, with approximately 57 million Discover cardholders.
The company was launched in 1985 and disrupted the industry by not charging the annual fee and offering higher credit limits. The majority of Discover cards are issued by Discover Bank.

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Mastercard Inc. was founded in 1966 and was originally called Interbank, and eventually became Mastercard Incorporated. It’s widely regarded as the second most popular credit card brand globally, right after Visa. 

However, Mastercard has been a bit more successful when it comes to revenue, as it created a total of $16.8 billion in revenue in 2019. Like the other three brands, Mastercard is accepted in the majority of licensed online casinos in the US.

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Founded in 1958, Visa Inc. grew into the second-largest card payment organization in the world. It has been the world leader for a very long time before China UnionPay surpassed it in 2015.

Simply put, Visa is the most popular credit card brand in the western world, as it still commands approximately 50% of the credit card market. The company’s revenue in 2019 was $9.7 billion. Apart from credit cards, Visa also offers debit cards and prepaid cards, all issued by banks around the globe.

Main Advantages of Credit Card Casinos

Here are the five main benefits of using a credit card as the main deposit and withdrawal option in online casinos.

  • Low fees — Credit cards charge less compared to many other payment options. In most cases, the fees will be between 3% to 5%.
  • Easy to use — You don’t have to be a tech-savvy user to connect your credit card to the casino of your choice. The instructions are pretty clear.
  • Instant transactions — All credit card transactions are instant, meaning you’ll be able to see your money in your casino balance as soon as you initiate the transfer. Credit cards are widely regarded as one of the fastest payment options, as brands such as Visa can process thousands of transactions per second.
  • Available in many casinos — Credit cards are used by millions of Americans, and that’s why almost every online casino made sure to accept the popular card brands for deposits and withdrawals.
  • Security — Credit cards are designed in such a way as to minimize any kind of theft or cyberattacks. Still, you have to play your part by making sure nobody steals your card by sticking to licensed and reputable casinos.

Safety of Credit Card Use in Online Casinos

You want to stay safe when you’re making online casino deposits and withdrawals with a credit card. There are many online casinos out there, and a good deal isn’t licensed by an official regulatory body. Joining such a site poses a potential risk, so you should think twice about leaving your credit card info on them. To prevent any kind of card theft, make sure to stick to reputable and licensed online gambling platforms.

Ideally, the casino of your choice should be licensed in the US. There are plenty of reputable regulators, such as the New Jersey Division of Gaming Enforcement (DGE), which has strict criteria and awards licenses only to the most trustworthy platforms. Online casinos licensed by offshore gambling authorities do not undergo such strict control, meaning some of them might not be as trustworthy as they seem, and you should stay away from them.

When visiting a casino site, check whether they have all the security protocols in place, such as SSL encryption. If there’s a locked padlock icon next to the site’s URL, it means that some security certificates are active.

Finally, don’t use credit cards from some brands that aren’t popular as there’s a chance they might be a scam. To stay safe, stick to the popular brands — Visa, MasterCard, American Express, and Discover. The four of them are also most likely to be accepted in US online casinos.

Things to Consider When Using a Credit Card

Credit cards are great, but they also feature a couple of drawbacks that you should bear in mind before using them. Let’s find out more.

  • Danger of debt — Credit cards let you spend more than you can earn. Combined with gambling addiction, this could become a real threat to players with a gambling problem.
  • One-way transactions — Some online casinos might only allow you to deposit or withdraw money with a credit card. However, you’ll not be able to use cards for both. Check this before joining a casino.
  • Denied transactions — Sometimes, credit card transactions may be denied. In many cases, you won’t even know why that happened, which could be somewhat frustrating when you’re looking forward to playing games as soon as possible.Card theft — Credit cards are secure but can still get stolen if you’re not careful and leave card info on suspicious websites.
  • Transaction limits — Casinos often impose strict limits on credit card deposits and withdrawals, which may not suit your budget.

How to Deposit with a Credit Card

The deposit process is pretty much the same regardless of your credit card brand.

  1. Select an online casino — Pick an online casino that accepts credit card deposits. Check out our list of platforms, as they are all credit card casinos.
  2. Open an account — Become a member of the casino of your choice. Open an account by clicking the Register or Sign Up button and fill in all the necessary info.
  3. Go to the Cashier section and select a credit card — Most of the online casinos featured on this page support all four credit card brands.
  4. Enter the amount you want to deposit — Pay attention to the minimum and maximum deposit limits.
  5. Make a deposit and have fun! — Don’t forget that many online casinos offer welcome bonuses on your first deposit, so make sure to opt-in if you want one.

How to Withdraw with a Credit Card

If you want to use a credit card to cash out your winnings, check out the following guide.

  1. Log in to the casino — Go to the platform where you have money ready for withdrawal.
  2. Go to the banking page — You’ll see a list of available withdrawal options. Hopefully, the credit card brand of your choice will be among them. Some brands may not be available for withdrawals even though they were available for deposits.
  3. Select a credit card — Pick a credit card brand as your withdrawal option.
  4. Enter the amount you wish to withdraw — You might also have to connect your credit card to the casino first if you hadn’t done it before making your first deposit. Pay attention to the minimum and maximum withdrawal limits.
  5. Confirm your withdrawal

The entire process might be slightly different for some casinos, but the guide above is definitely a good starting point. Take into account that you might have to wait up to a couple of days for the casino to review and accept your withdrawal request. This is called withdrawal pending time and is part of almost every online casino, as operators must comply with various anti-terrorist financing and anti-money laundering policies.

Your Questions Answered

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