Credit cards are one of the most popular deposit methods on online sports betting sites.
Deposits are usually instant with all major credit card brands, and players often don’t pay any transaction fees for depositing. Moreover, credit cards are a safe and secure payment method trusted by millions of bettors around the globe.
This guide goes over which online sportsbooks in the U.S. accept credit cards so you can pick the best one for you.
Online Sports Betting Sites That Accept Credit Cards
Many of the top betting sites accept credit card payments, making them one of the easiest ways to fund your account.
Most often, these are Visa, Mastercard, Discover, and/or American Express, but not all sportsbooks offer all four.
Note that credit cards only allow one-way transactions, meaning you’ll have to pick another method for cashing out your winnings. For example, you can opt for PayPal, an online bank transfer, or any other accepted withdrawal option on the betting site of your choice.
Here's an overview of which credit card betting sites accept which cards:
Sportsbook | Visa | Mastercard | Discover | AMEX |
|---|---|---|---|---|
Yes | Yes | No | No | |
Yes | Yes | No | No | |
Yes | Yes | Yes | Yes | |
Yes | Yes | No | Yes | |
Yes | Yes | Yes | No | |
Yes | Yes | Yes | No | |
Yes | Yes | Yes | No | |
Yes | Yes | Yes | Yes |
Here are some more details about the best betting sites that accept credit cards:
- Caesars Sportsbook. Caesars accepts Visa and Mastercard deposits. Thanks to its fantastic intro promotion and competitive odds, it’s widely regarded as one of the best all-around betting sites. New Caesars Sportsbook users can earn up to $250 in bonus bets when they sign up and place a qualifying wager within 30 days at odds of -500 or longer with Caesars promo code OA250BM.
- FanDuel Sportsbook. FanDuel accepts Visa and Mastercard deposits. The platform offers a great user experience, a great welcome bonus (Bet $5, Get $100 in Bonus Bets If Your Bet Wins), and helpful customer support.
- Fanatics Sportsbook. Fanatics accepts all major credit cards, including Visa, Mastercard, Discover, and American Express. New users are offered several welcome bonuses, with the most valuable being Bet & Get Up to $2k in FanCash.
- BetMGM. BetMGM accepts Visa, American Express, and Mastercard. The popular sportsbook features one-game parlays, competitive odds, and a welcome bonus of Up to $1,500 Back If Your First Bet Loses.
- Hard Rock Bet. Hard Rock Bet accepts Visa, Mastercard, and Discover credit cards. New users get 100% profit boosts on their first 10 bets. No promo code is required to claim the welcome offer—just sign up using this link.
- BetRivers Sportsbook. BetRivers accepts Visa, Discover, and Mastercard. Apart from the easy and convenient deposit and withdrawal process, BetRivers also offers one of the best sportsbooks for bettors who enjoy wagering on soccer games.
- SugarHouse Sportsbook. You can deposit at SugarHouse by using Visa, Mastercard, and Discover. In addition to competitive odds, the popular sportsbook offers same-game parlays, low rollover requirements, and various other competitive odds boosts and promos.
- DraftKings Sportsbook. DraftKings accepts all four major credit card brands—Visa, Mastercard, American Express, and Discover. Like Caesars, it offers a lucrative welcome bonus and competitive odds on most betting markets.
>> Read More: Best Mastercard Card Sports Betting Sites
Offers from our partners
Best Sign-Up Bonuses from Sportsbooks That Accept Credit Cards
Below you can see the intro bonuses for new customers from all of the sportsbooks that we've reviewed that offer credit cards. As sportsbooks update their intro promos, we will update this guide so you can always find the best offers available.
Must be 21+ in most states. Gambling problem? Call 1-800-GAMBLER. See full responsible gambling disclaimer here.
Sportsbook | States | Sign Up Bonus* | Code |
|---|---|---|---|
AZ, CO, CT, IL, IN, IA, KS, KY, LA, MA, MD, MA MI, MO, NJ, NY, NC, OH, PA, TN, VA, WV, WY | Bet $5, Get $100 in Bonus Bets If Your Bet Wins | Not needed | |
AZ, CO, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MO, NV, NJ, NY, NC, OH, PA, TN, VA, WV, WY | First Bet Match up to $250 | OA250BM | |
AZ, CO, FL, IN, IA, KY, LA, MD, MA, MI, MO, NV, NJ, NY, NC, OH, PA, TN, VA, WV, WY | Second Chance Bet Up to $1,500** | ODDS100 | |
CO, IA, KY, LA, MO, NJ, NC, OH, VA, TN, IL | Bet $5, Get $200 in Bonus Bets | Not needed | |
AZ, CO, IL, IN, IA, LA, MA, MI, NJ, NY, OH, PA, VA, WV | Second Chance Bet Up to $500 | ODDS1 | |
AZ, CO, CT, IL, IN, IA, KS, KY, LA, MD, MA, MI, MO, NJ, NY, NC, OH, PA, TN, VT, VA, WV, WY. | Bet & Get Up to $2k in FanCash | Not needed | |
NJ, PA | 100% Deposit Match Up to $1,000 | Not Needed | |
PA | Second Chance Bet Up to $500 | ODDS1 | |
AZ, CO, IA, NJ, VA | Up to $100 Cash Back | ASSIST | |
AZ, CO, CT, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MO, NH, NJ, NY, NC, OH, OR, PA, TN, VA, WV, WY | Bet $5, Get $300 in Bonus Bets + $200 off NFL Sunday Ticket | Not needed | |
AZ, CO, DC, IL, IN, IA, KS, KY, LA, MD, MA, MI, NJ, NC, NY, OH, PA, TN, VA, WV | Bet $10, Get $100 in Bonus Bets | Not needed | |
AZ, FL, IL, IN, NJ, TN, OH, VA | 2x Winnings on First 10 Bets | Not needed | |
NV | First Bet Match Up to $250 | Not needed |
*May vary by state.
**Bonus Bets Expire in 7 Days. One New Customer Offer Only. Add’l terms.
Using a Credit Card for Depositing Into a Sportsbook Account
Online betting with a credit card is easy. Simply enter in your card information and enter the amount you want to deposit.
While most betting sites you can use credit card with process deposits instantly, there are still a few things to keep in mind before funding your account:
How to Deposit Into a Betting Site Using a Credit Card
Here’s a step-by-step explanation of how to make a credit card deposit:
- Select an online betting site. Check out our guide to the best online sportsbooks to decide which is best for you.
- Open an account or log in if you’re already a registered member.
- Go to the cashier page and select one of the available credit card deposit options.
- Enter your credit card information to connect your card. This includes your card number, security code, and expiration date.
- Type in the amount you’d like to deposit and submit.
- Have fun, and remember to gamble responsibly!
Minimum & Maximum Credit Card Deposit Amounts
Most sportsbooks have limits on how much or how little you can deposit.
In most cases, the minimum limit is between $5 and $20. However, maximum deposits can vastly differ depending on the sportsbook, payment method, and player status (VIP players sometimes have higher deposit limits).
For new players, credit card deposits are usually capped between $1,000 and $5,000.
Speed of Credit Card Deposit
Credit card transactions are almost always instant, meaning you should be able to see the money in your casino balance in a matter of seconds after confirming your deposit.
That said, your deposit requests can be rejected from time to time, as banks sometimes don’t allow gambling-related transactions.
Fees
Some types of credit cards may charge a small fee if your sports betting credit card payment is treated as a cash advance. If not, these transactions come free of charge. However, make sure to check that before making your deposit to learn if any fees apply.
What to Do When Betting Sites That Accept Credit Cards Reject Your Deposit
Even if you’re in a legal state and playing on betting sites that accept credit cards, your deposits can sometimes get declined, usually due to bank policies, fraud prevention systems, or merchant coding issues. Here’s what to do if your deposit fails:
- Try a different card. Not all credit cards are treated the same. Mastercard tends to be accepted more reliably than Visa or American Express at most sportsbooks. If one card fails, another may proceed without issue. Credit card betting often comes down to trial and error between issuers and sites.
- Use an alternative deposit method. Most sportsbooks offer multiple deposit options. Consider switching to PayPal, Play+ prepaid cards (specifically built for gambling), ACH/eCheck, online banking, or debit cards—which are less frequently blocked than credit cards.
- Contact the sportsbook’s customer support. Top sportsbooks usually have live chat or email support that can explain why your transaction was flagged, suggest working methods for your location, or help you fund a Play+ account as a workaround.
- Check with your bank. Sometimes the card issuer blocks gambling-related charges by default. A quick call to manually authorize the transaction often resolves the issue, especially for first-time deposits.
- Don’t keep trying repeatedly. If your card is declined once or twice, avoid resubmitting it repeatedly, as this can trigger fraud alerts or result in temporary holds. Instead, switch to a different method or contact support for guidance.
Pros & Cons of Depositing With a Credit Card
Let’s take a look at some of the major benefits and downsides of using credit cards for sportsbook deposits:
Pros
- Some credit cards offer a rewards program to their users.
- Deposits are usually instant.
- Credit cards are a secure and trustworthy payment option.
- Depositing via credit cards is easy and quick.
Cons
- The maximum deposit limits might be somewhat lower compared to other payment methods.
- If you make a large deposit using your credit card, you can increase your credit card utilization rate significantly, possibly impacting your credit score. It’s best to keep utilization—which is the balance on your card divided by your credit limit—under 30% if possible.
- Your deposit may not always be approved.
- You risk going into debt.
Using a Credit Card to Withdraw From a Sports Betting Site
Unfortunately, credit cards aren’t available as withdrawal methods. They are designed exclusively for making payments, so it’s not really possible to load money back to your credit card unless you are using your bank.
Once you decide to cash out your winnings, make sure to use some of the available withdrawal options. E-wallets, such as PayPal, are usually the fastest, but you can also rely on some more traditional options, including check, ACH, and bank transfer.
If you value getting your money quickly, check out our guide to the sportsbooks with the fastest payouts.
Things to Watch Out For When Using Credit Cards at Sportsbooks
Depositing with a credit card is usually fast and easy, but several behind-the-scenes issues can catch bettors off guard. Here’s what you need to know.
Some Banks Treat Deposits as Cash Advances
Certain banks and card issuers (especially with Visa or AmEx) flag gambling-related transactions as cash advances, not regular purchases. If that happens:
- You might get hit with a cash advance fee (typically $10 or 3–5% of the deposit).
- The amount may start accruing interest immediately, even if you pay your card balance in full that month.
- You won’t earn credit card points or cashback rewards on the transaction.
To avoid this, check with your card issuer before making a deposit, or consider using a debit card, Play+, or an e-wallet like PayPal instead.
Your Deposit Might Be Blocked Even If It's Legal in Your State
Some banks continue to block gambling transactions regardless of your location. Even if you're betting legally within your state, issuers like Capital One, American Express, and many regional banks or credit unions may reject the payment based on internal restrictions tied to gambling activity.
In most cases, these declines happen without explanation. You may not receive an error message, and customer support often can't provide a clear reason. The issue typically stems from your card issuer automatically declining payments flagged under MCC 7995, the merchant code assigned to gaming and betting. This happens by default, even when your account is in good standing.
A card that works on one sportsbook may be declined on another. The difference usually lies in how each operator routes and labels the payment. It's not about whether credit card betting sites are legal in your state. It's about how your bank interprets the transaction behind the scenes.
Credit Cards May Not Be Allowed in Your State
A handful of states prohibit the use of credit cards for gambling deposits altogether, regardless of whether sports betting is legal. These include:
- Connecticut
- Iowa
- Massachusetts
- New Hampshire
- Tennessee
- Vermont
If you’re in one of these states, credit card deposits will likely fail by default.
A Word of Caution on Using Credit Cards With Sportsbooks
Gambling can be addictive, and some players might get carried away and deposit more than they can afford.
If you have to spend more on your credit card than you can afford to pay off that month, you’ll be charged interest on that money which can be very expensive as credit card interest rates are often 15% to 30%.
For this reason, it’s crucial to only charge your card with what you can pay off that month. If you don’t, you may find yourself in a debt spiral that can be hard to get out of.
FAQs on Using Credit Cards With Sports Betting Sites
What kind of credit cards can I use with online sports betting sites?
Most online sportsbooks in the U.S. accept at least a few of the four major credit card brands—Visa, Mastercard, Discover, and American Express. However, you’ll notice that Visa and Mastercard are the most common.
What kind of fees are associated with using credit cards on sports betting sites?
There usually aren’t any fees for credit card deposits. However, some cards may recognize your transaction as a cash advance, which will come with a small fee, so make sure to check that before making your first deposit.
Are credit cards safe to use with sports betting sites?
Yes. Credit cards are considered one of the safest payment methods for online sportsbooks.
How long do credit card deposits take with sportsbooks?
Credit card deposits are usually instant.
Can I withdraw money from my sportsbook to my credit card?
No. Credit cards are only used for making deposits to online sportsbooks, so you’ll have to pick another method for cashing out your winnings.
What do I do if my credit card company blocks my deposit to my sportsbook?
Credit card deposits get rejected from time to time. If this happens to you, your best bet is to try again or pick a different deposit method.
Can I earn rewards by depositing to a betting site with my credit card?
It depends. If gambling is considered a cash equivalent by your credit card issuer, your deposits will not qualify toward the card’s rewards system, such as cash back or travel points.
