Credit Card Betting Sites
Credit cards remain one of the most convenient and secure ways to fund online betting accounts. Whether using Visa, MasterCard, or American Express, bettors enjoy fast deposits, fraud protection, and the ability to track transactions with ease. Many sportsbooks prioritize credit card payments because they offer seamless processing and instant access to betting funds.
However, not all credit cards work the same way. Some come with higher fees, while others require additional verification steps. Additionally, certain states in the U.S. have banned credit card deposits for sports betting, making it crucial to understand the regulations before placing a bet.
In this guide, we break down everything you need to know—from the best sportsbooks accepting credit cards to the pros, cons, and potential fees associated with this payment method.
Top Credit Card Brands Accepted by US Sportsbooks
No matter what credit card you have in your wallet, you should be able to find an online sportsbook where you can use it to fund your account.
Not all brands are created equally. Some carry heavier fees, while others may require additional steps with the issuing bank before you can use them.
Let’s take a look at the best credit cards to use at betting sites and what each has to offer.
Visa
- Nearly all gambling sites, especially in US-facing markets, accept Visa credit cards.
- Visa is the preferred deposit method for most sports bettors and online casino players.
- Fees for using Visa vary between sites, but deposits are consistently fast, allowing users to start gambling immediately.
- Prepaid cards are a great option.
MasterCard
- MasterCard is widely accepted at most betting sites catering to players in the United States.
- Sportsbooks listing credit cards on their cashier page often include MasterCard.
- MasterCard betting sites are common and may offer some of the lowest credit processing fees.
- MasterCard is a reliable option for sports bettors and online gamblers.
American Express
- American Express is among the most secure payment methods for depositing at betting sites.
- These cards often come with higher processing fees but provide additional perks.
- American Express is less commonly accepted than Visa or MasterCard.
Discover
- Discover cards are not widely accepted in US Sportsbook
- The direct-to-consumer model of Discover cuts out intermediary banks, potentially resulting in lower fees.
- For users with Discover cards, top-rated betting sites like BetOnline and SportsBetting.ag are available.
- Discover provides secure and reliable transactions, ensuring a safe deposit experience for users.
top 3 Credit Card Betting Sites in the US Reviewed
BetUS Credit Card Deposits
A minimum deposit of $50 is required to gamble using a credit card at BetUS, with a limit of two card transactions per account per day.
Type of credit cards accepted at BetUS:
- Visa
- MasterCard
- American Express
- Prepaid Cards
- Credit-branded gift cards
There is a 7.5% processing fee on credit card deposits. However, this fee is waived on your first card deposit or if you transfer the maximum allowed amount of $2,499 using this method.
Bovada Credit Card Deposits
Bovada offers fast and reliable credit card deposits with a low $20 minimum deposit, making it ideal for smaller budgets.
Type of credit cards accepted at Bovada:
- Visa
- MasterCard
- Amercan Express
- Gift Cards
Your first credit card deposit is free of charge, but subsequent transactions may incur fees. These can be quite high, potentially reaching 15.9% or more due to cash advance costs, currency conversion, and international processing fees.
Despite the fees, many users prefer credit cards for betting on sports or gambling in Bovada’s casino, as transactions are quick and easy to track.
Everygame Credit Card Deposits
Everygame is a top credit card betting site for US players where transactions are fast and without fees.
Type of credit cards accepted at Everygame:
- Visa
- MasterCard
- American Express
- Discover
You can deposit up to $1,000 per transaction to bet on sports, place live wagers, or enjoy table games in the casino.
Weekly and monthly deposit limits are visible on the cashier page after logging in. For higher spending, you can contact customer service to request increased maximums.
States That Have Banned Credit Cards for Sports Betting
Some states in the U.S. have prohibited the use of credit cards for sports betting to promote responsible gambling and reduce the risk of debt for players. This approach aligns with efforts to encourage financial accountability and prevent impulsive betting behaviors. Bettors must understand these state-specific regulations to avoid potential issues.
- Iowa – Banned credit card deposits in 2019 as part of efforts to curb gambling addiction.
- Massachusetts – Enforced a ban in 2023 to align with its strict responsible gaming framework.
- New Hampshire – Prohibited credit card use since its sports betting debut in 2020 to encourage financial caution.
- Rhode Island – Introduced the ban in 2022 to mitigate the risks of players accruing gambling debt.
- Tennessee – Implemented the restriction in 2021 to ensure compliance with its unique online-only sports betting regulations.
For players traveling across states, differing regulations can cause confusion. Deposits made with a credit card in a state where it’s permitted will remain in your betting account, but you won’t be able to use those funds for wagers in states where credit card deposits are banned. To ensure uninterrupted betting, it’s essential to check the regulations of any state you’re visiting before attempting to place bets.
Pros and Cons of Using Credit Cards for Deposits and Withdrawals
Understanding the pros and cons of using credit cards for deposits and withdrawals is crucial for making informed decisions. While credit cards offer convenience and speed, they can also lead to financial risks and limitations, especially in states with strict regulations. Knowing the advantages and drawbacks helps bettors manage their funds responsibly and avoid potential hurdles.
Pros
- Quick and seamless deposits
- Widely accepted among sportsbooks
- Immediate access to betting funds
- Fraud protection and secure payments
- Earn rewards like cashback or points
Cons
- Risk of accumulating debt
- Limited availability in states
- Higher fees
How to Deposit and Withdraw Winnings Using Credit Cards
Managing funds at sportsbooks with credit cards is designed to be simple and efficient, following a standard deposit and withdrawal process that applies to most payment methods. However, using credit cards introduces a few unique steps during deposits and ensuring the site supports credit card withdrawals, as not all sportsbooks offer this option.
Additionally, withdrawals with credit cards may involve longer processing times and extra verification requirements. These unique aspects make it important for bettors to understand how credit card transactions differ from other payment methods.
Deposits
- Card Information Required: Enter your card number, expiration date, and CVV code.
- Verification: Some sportsbooks may require additional identity verification before processing deposits.
Withdrawals
- Availability: Not all betting sites allow withdrawals to credit cards—check site policies beforehand.
- Processing Time: Withdrawals via credit cards typically take longer and may involve additional verification steps.
Fees Associated with Credit Card Gambling
You will likely run into several fees when using credit cards at betting sites online. We’ll explain some of the common ones below, why they are there, and how they work.
International Fees
Cash Advance Fees
Currency Exchange Fees
Many online sportsbooks are regulated offshore, outside of the USA. In that case, the issuing bank may apply a small 1-3% fee for doing business in another country.
Some banks treat credit card deposits at online betting sites like cash advances. This type of transaction usually has an added 3-5% fee for the borrowed money.
You may incur a fee if the betting site doesn’t do business in US dollars. The conversion rate to exchange your money for a different currency fluctuates with the market.
Responsible Gambling Using Credit Cards
Using credit cards for betting can be convenient, but it comes with financial and psychological risks that bettors must be aware of to gamble responsibly. Understanding these risks and adopting strategies to mitigate them is essential for maintaining control over your betting habits and financial well-being.
- Betting Beyond Means: The ease of access to credit increases the temptation to overspend.
- Impulse Betting: Readily available credit can encourage unplanned and excessive betting.
- High Interest Rates: Unpaid balances can quickly accumulate interest, leading to long-term debt.
- Impact on Credit Scores: Missed payments can negatively affect your credit score, impacting future financial opportunities.
- Emotional Stress: Financial losses from credit card betting can cause significant emotional strain.
Betting with Credit Cards—Fast, Secure, and Worth It?
Credit cards provide an easy and reliable way to deposit at sportsbooks, giving players instant access to their funds and added security. Whether you prefer Visa, MasterCard, or American Express, using a credit card for betting ensures a smooth and hassle-free experience.
That said, credit card transactions can come with fees, withdrawal restrictions, and potential financial risks. Some bettors may find that alternative methods like cryptocurrency, e-wallets, or bank transfers offer lower costs and faster payouts. It’s worth exploring all available options to find the best fit for your betting style and financial needs.
If you’re looking for other banking methods that might suit you better, take a look at our payment methods guide for a full breakdown of deposit and withdrawal options.
Credit Card Sports Betting FAQ
Which online betting sites allow credit card transactions?
Many betting sites accept credit cards, including Visa, Mastercard, and sometimes American Express. Popular platforms like Bovada, BetUS, and BetOnline often support this method. Check the payment options on the site to confirm availability in your region.
Are there any risks involved in using a credit card for online betting?
Using credit cards for betting can lead to overspending, high-interest debt, and potential fraud risks. Some banks may charge additional fees for gambling transactions. Always set limits to avoid financial issues.
What security precautions should I take when using credit cards at betting sites?
Use betting sites with SSL encryption and secure payment gateways. Avoid saving your credit card details online and monitor your statements regularly. Enable two-factor authentication for added protection.
How long do credit card deposits and withdrawals usually take at betting sites?
Deposits via credit cards are usually instant, while withdrawals can take 2–5 business days. Processing times may vary depending on the betting site and your bank.
Why would my credit card be declined at a betting site?
Declines can occur due to bank restrictions, insufficient credit, or exceeding daily limits. Some banks block gambling transactions entirely.
What steps should I take if my credit card deposit is declined?
Check your card details, available credit, and any restrictions from your bank. If the issue persists, try another payment method like e-wallets or bank transfers. Contact customer support for assistance.
