Gambling with Credit Cards

In today’s society, cash seems to be a thing of the past. In a traditional brick and mortar casino you still have cash options, but what about online casinos?


Credit Card & ChipsMany people would assume they could simply use their credit or debit card like with other online purchases. Unfortunately, sometimes it’s not quite that simple.

With the rapid rise in electronic payment systems such as debit and credit cards, you would think that they would be the main form of deposit at online casinos. In actuality, the use of credit cards to fund online gambling is lacking. This is especially true if you are in America. Read on to find out why and learn what you can do to make credit card options more feasible.

What are Credit Card Banking Options?

Most online casinos offer some sort of credit card deposit option. The vast majority only offer these services for Visa and Mastercard cardholders. There are a slim few offering American Express options, and even less that will accept Discover.

You shouldn’t have any trouble in finding an online casino that accepts your preferred credit card, as long as you are using one of the above-mentioned card networks. Making a credit card deposit at an online casino is a fairly easy process. Though there are many issues that can pop up while making a deposit, the actual process is simple.

Once you have found your preferred online casino, simply create or sign in to your account. You will then locate their banking area. From here you will enter your credit card information, the amount of your deposit and submit your request. If your transaction isn’t blocked the whole process will be quick and easy. In fact, the entire process should be complete within just a couple of minutes.

What are the Advantages?

Credit and Playing CardsCredit card deposits are by far the easiest deposit method for online casino gambling. Most people already have a credit or debit card. If not, it is not a difficult process to get one. You can simply pull out your existing card, punch in the information, and within a matter of minutes you’re playing your favorite online casino game.

There is a lot of flexibility that comes with credit card banking options. Most credit card companies and online casinos allow for both low and high deposit limits. This means that whether you’re a high-roller or just wanting to gamble a few dollars, you should be able to deposit your desired amount.

Another favorable aspect of credit card deposits is the low cost of fees associated with them. In fact, most international casinos don’t charge any fees at all. If using an international casino, chances are that you will be able to use your credit card to cash out as well.

If using an American based casino, you might have some fees associated with your deposit but they are usually pretty reasonable. Unfortunately, you will not have the option to cash out on your credit card at an American based casino.

One important advantage to using your credit card for your online casino transactions is security. Online casinos use highly advanced technology to keep your personal information secure. You can make your transaction knowing that it will be safe from hackers and hidden from everyone you don’t want to grant access to.

How about the Disadvantages?

Using your credit card might seem like a slam dunk to you after hearing all those advantages. Is it? For some, it can be. For others, it’s a lot more difficult. This is especially true for Americans.


The 2006 passage of the Unlawful Internet Gambling Enforcement Act prohibited financial institutions from knowingly processing transactions for the purposes of online gaming. The law was passed to limit access to any offshore gambling site.

This law took the focus off individuals and put it on financial institutions. The US Government, and in turn the financial institutions, take this very seriously. Any transaction coded or labeled as gambling is rejected. They take this law very seriously.

So, what can you do if you’re an American wanting to use credit card banking options? Your first option is simple; try it! New Jersey, Nevada, and Delaware have legally operating online casinos. Payments to these legal casinos should have no issues.

The problem lies in the banks’ ability to differentiate between the legal and illegal casinos. Many payments, even to casinos that fall outside of the legal parameters of the UIGEA law, seem to slip through the cracks and be approved.


Credit cards are rarely allowed as a withdrawal or cash out option. This can cause some added frustration for many users. You will have to select a different method of payment, such as a bank wire, paper check, or money transfer to collect your winnings.


If your credit card won’t work through the traditional credit card banking options, there are still some options available to you.

Wire/Money Transfer

While these take a lot more effort, they are a sure thing. A wire transfer can be completed using your financial institution. A money transfer is completed through a third party financial company such as Western Union or Moneygram.

The biggest downside to this option will be the processing time, which can range from hours to days. Another disadvantage is the inconvenience. Both of these options will require you to contact the online casino to determine the referral/tracking number and name you need to send the money to. They will also most likely require an in-person visit to the financial institution being used to send funds.


Skrill is an online international money transfer service. The main benefit of using this service is immediate processing of transactions. You are also able to use Skrill as a withdrawal option.

The downside? If you’re needing an alternative method of banking due to the American restrictions, Skrill is not the right option for you. While there are now options for the company to make a comeback in America, it is currently illegal. American consumers will have to skip this option for now.

Prepaid Cards

Some standard prepaid credit cards, available at most convenience and grocery stores, will work for online casino deposits. You can get into contact with the customer service department of your preferred online casino to find out which ones those are.

Another option at many of the major online casinos is casino specific prepaid cards. For example, the Golden Nugget offers its own Golden Nugget prepaid credit card. This is coded as a purchase on your credit card, so it’s usually not blocked by your card carrier.


Bitcoin is a rapidly trending online currency. If you don’t know how bitcoins work, it is definitely worth the research. For purposes of this article, it’s simply important to know that it is a great alternative to credit card banking at online casinos. Once you purchase bitcoin currency, all of your online transactions should be trouble-free.


Card ProcessorThough credit card banking options can be tricky for some, you will likely want to use them as your first option. Many people won’t have any issues whatsoever. For those who do encounter problems, the remedies to them are usually easier than trying a different payment method.

As with all online transactions, make sure you are using a reputable site. Do your research before sending money to avoid scammer and hackers. Transactions made through reputable sites will be protected with advanced security measures.