In the US, many people still believe that casinos only accept cash, and you must change your credit card or checkbook at the cashier's cage. While many casinos prefer not to take responsibility for credit or they don't want to encourage poor players to gamble with money they don't have, this isn't always the case.

free slots online casino

Many casinos across the country accept credit cards, but they vary from state to state. This page explains which states allow for credit card use and which ones don't allow it. You'll also find out which credit cards casinos accept, why casinos take credit, and much more.

Can I Use My Credit Card in a Casino?

The short answer here is yes, but it depends on where you are playing. The states that have legalized casino gaming often write their gambling laws to align with federal law. The Unlawful Internet Gambling Enforcement Act (UIGEA) makes it difficult for the nation's banking institutions to process online gambling payments. UIGEA does not apply to brick-and-mortar casinos, so payment processes like credit cards can be used without issue inside of those establishments. Even though casino and bank employees won't have any issues running the transaction, casino employees should anticipate some pushback from their customers. Many Americans have come to view credit as a dangerous product after the 2008 financial crisis, leading them to believe that using credit cards in casinos should be verboten. This section will cover everything you need to know about how casino credit cards work and what alternatives exist.

Where Can I Use a Credit Card in a Casino?

As mentioned above, the decisions made by individual states regarding credit card usage inside casinos will depend on whether those states have legalized gambling. Twenty states have yet to join the trend toward liberated gambling laws – e.g., Nevada, New Jersey, Pennsylvania, and others all accept casino credits cards. The map below lays out which states offer legal casino gambling. When you’re ready to start utilizing those credit cards of yours, look through our guide to the to get started.

Online Casino Bonus - Top Sites & Deals for UK Players in 2023

Why Doesn’t my Casino Take Credit Cards?

In most cases, states that have not legalised gambling will not permit credit card usage inside casinos. A few years ago, the U.S. Department of Justice interpreted the Federal Wire Act to mean that online gambling was illegal across the board. That led the nation’s banks to avoid transactions involving internet gambling sites, even after the passage of UIGEA in 2006. Brick-and-mortar casinos were never implicated in the DOJ’s opinion, so credit card usage had never been restricted in those venues. Today, after clarity has been restored on the issue of online gambling, many observers wonder why credit cards aren’t more widely accepted in America’s casinos. Until more states catch up to the reality that the DOJ no longer prohibits gambling – either online or offline – credit cards may remain hard to use inside gambling establishments. If you cannot use a credit card, consider these top available at our recommended sites.

What Casinos Accept Credit Cards?

There are many casinos spread throughout the United States that accept credit cards. Most of these casinos are found in the ten states shown above, with the majority of those locations situated in Nevada, New Jersey, Mississippi, and Missouri. In those states, you can pull out that Maximize® Platinum Card and live the high roller lifestyle you’ve always dreamed of. Before you hit the tables, however, you might want to look over our reviews of the to learn how you can enjoy the thrill of casino gambling from the convenience of your own home. As far as brick-and-mortar establishments go, Cirsa Casino (Atlanta, GA), Atlantis Casino Resort Spa (Reno, NV), and Caesars Palace Las Vegas are just a few of the many properties that accept credit cards. We have reviewed some of the best , so make sure to check them out and see which one suits you best. For mid-range options, visit our page that ranks the .

Which Credit Cards Do Casinos Accept?

Now that you know which casinos accept credit cards, the next thing you need to know is what types of credit cards they will take. The truth of the matter is that casinos will accept Mastercard and Visa – i.e., the two biggest names in the credit card business. American Express and Discover are less universally accepted, so your Platinum Card from American Express may not get you very far inside that trendy Atlantic City casino. If you do have luck with a credit card from AmEx, though, be sure to read our review of the before heading out the door. Here’s a quick summary of the major credit cards and their acceptance at casinos.

MasterCard

MasterCard is one of the world’s largest credit card companies, with annual revenues topping $20 billion. The company is based in Hampshire, Indiana, but its card is accepted in more than 210 countries around the globe. Here are some quick facts about MasterCard credit cards and their acceptance in casinos. All odds correct as of 22/05/2023

Best Online Poker Sites Ranked (2023) - PokerListings

Pros

Here are some advantages of using MasterCard in a casino. Alongside the ability to find the on the market, this could prove vital when in the casino.

  • Widely recognized worldwide
  • Easy access at ATMs
  • Good exchange rates when traveling abroad
  • Zero Liability protects users against unauthorized charges
  • MasterCard SecureCode provides extra protection against unauthorized users

Cons

Here are some disadvantages of using MasterCard in a casino.

  • Higher fees for currency conversions and international transactions
  • Variations in consumer protections from one country to the next
  • Some merchants assess a surcharge for MasterCard purchases

Visa

Visa is another global leader in the credit card industry, reporting annual revenue figures that rival MasterCard’s. Visa boasts an even wider network of merchants who honor their cards, with more than 47 million merchants across 200 countries. Here are some things to think about when considering using a Visa credit card in a casino. And if you love sports betting too, then you should probably be aware of the out there. This could help you hugely when placing bets using your chosen credit card.

Pros

Here are some advantages of using a Visa credit card in a casino.

soaring eagle online slots
  • Accepted at more than 47 million merchant outlets worldwide
  • No liability for fraudulent charges
  • Visa Signature and Visa Infinite cards offer additional benefits
  • Visa’s zero-liability policy protects cardholders from unauthorized charges
  • Generous cash back offers on gaming and entertainment expenses

Cons

Here are some disadvantagues of using a Visa credit card in a casino.

  • Foreign transaction fees when traveling abroad
  • Interest charges can accumulate quickly if balances are carried over from month to month
  • Late payment fees can be quite high

American Express

American Express (AmEx) has long enjoyed a reputation as the premier credit card for the well-to-do. With perks like reward points, discounted airfare, and free baggage handling, “Members Get More” is a slogan that has rung true for many years. Here are some pros and cons to consider when deciding whether to carry your AmEx into the casino. Be sure to check out the latest before heading to the tables.

Pros

Here are some advantages of using an American Express credit card in a casino.

  • Comprehensive consumer protections under the Cardholder Bill of Rights
  • Rewards points can be redeemed for statement credits, checks, or gift cards
  • Free supplemental insurance for rental cars
  • Purchase protection covers you against damage or theft for 90 days
Table Games with Best Odds of Winning

Cons

Here are some disadvantages of using an American Express credit card in a casino.

  • Not as widely accepted as Visa or MasterCard
  • Merchants can impose a surcharge for accepting AmEx cards
  • Higher interest rates than other major credit cards

Discover

Founded as Chargeit Company back in 1950, Discover has evolved from a simple charge card usable only at specific retailers to a global payment network accepted in more than 190 countries. Here are some reasons you might want to use your Discover card when visiting the casino.

Pros

Here are some advantages of using a Discover credit card in a casino.

  • Discover Debit Mastercard provides cash back rewards on up to $3,000 in gaming expenses each month
  • Zero Liability protects you against unauthorized charges
  • Price Protection reimburses you the difference if you find a lower price on an item you’ve purchased

Cons

Here are some disadvantages of using a Discover credit card in a casino.

  • Not as widely accepted as Visa and MasterCard
  • Higher fees for balance transfers and cash advances
  • May not offer the lowest interest rates

Advantages and Disadvantages of Using Credit Cards in Casinos

From the casino’s point of view, credit cards pose risks they would rather not assume. Once a customer charges to a credit card, there are no guarantees that funds will be available when the bill comes due. That creates cash flow problems for the casino, particularly if the customer defaults on the credit card debt.

From the player’s point of view, credit cards offer several advantages, including:

Convenience – If you’ve driven for hours to reach a particular casino, the last thing you want to do is stop at an ATM or loan a friend $200 just to get some action on the tables. Whipping out your trusty credit card is fast, easy, and convenient.

Building Credit – Responsible use of a credit card can improve your FICO score and help you qualify for bigger lines of credit in the future. Just be sure you can afford to pay the bills when they become due.

Rewards Points – Many credit cards offer rewards points that can be applied to future purchases or transferred to participating airlines and hotels. If you plan to stay overnight or fly home after a big win, those rewards points can really add up.

For all the good things credit cards can do for the average casino customer, though, the house would rather you use cold, hard cash. From the casino’s perspective, credit cards …

best playing cards for poker

Increase Risk – As mentioned above, credit cards represent an increased risk of bad debt for the casino. That’s why some casinos outside of those listed above will refuse to cash your check unless you provide a valid ID.

Encourage Irresponsible Play – Common wisdom holds that people are more liberal with someone else’s money. By the same token, some gamblers may bet more recklessly when they’re not the ones footing the bill.

If you decide to use a credit card despite the house’s misgivings, at least follow these tips:

  • Set a limit on your charges and stick to it.
  • Don’t rely on credit as a means of accessing cash you don’t actually have.
  • Pay your bill in full every month to avoid accruing interest charges.
  • If you can’t pay the whole bill, at least pay more than the minimum due each month.
  • Check your monthly statement for errors or unauthorized charges and report any problems promptly.
Online Casino Games to Play Other Than Slots

Following these simple rules will help ensure your credit card experience at the casino is a good one.

Alternatives to Using a Credit Card at Casinos

Even in casinos that allow credit cards, you may encounter a recalcitrant dealer or pit boss who insists on cash. Or, you may simply prefer to use another form of payment. Whatever your reasoning, you’ll want to know what alternative methods of payment are accepted in your favorite casino.

Cash

Cash is king in the casino. It simplifies the transaction between player and dealer, eliminating the need for swiping, inserting, or waving a plastic rectangle in front of a sensor. If you’ve planned your trip to the casino carefully, you’ve already withdrawn the amount you wish to risk from an ATM near your home. That way, you’ll avoid those exorbitant ATM fees casinos charge for the privilege of turning your twenties into hundred dollar bundles. Of course, if you forget to draw down cash before leaving home, most casinos do have ATMs on the premises – for a fee, of course.

Casino Cashiers Checks and Credit

Before FSIO v. Orr (2003), every casino offered cashiers’ checks and credit to customers who had established a good credit history. When a customer requested a credit line, the casino ran a credit report and decided how much of a risk the customer represented. Those deemed creditworthy were offered a line of credit that sometimes exceeded the amount of money the customer had deposited at the cashier’s cage.

Using a casino credit or check was simple: Just give the instrument to the dealer, and he or she would cash it in return for chips. At the end of the session, reconciling your chips to the instrument was a simple matter, and the chip runner would settle up with you and the cage.

canadian casino games

Today, however, few casinos are willing to extend credit to anyone who walks in off the street. If you would like to avail yourself of a casino’s finest credit, you’d best call the casino directly and ask about its application process.

Bank Wire Transfers

High rollers sometimes arrange to have wires transferred from their bank accounts to the casino prior to their arrival. This assures the player of a ready supply of chips without the necessity of frequent trips to the cage. It also gives the player greater privacy than carrying large amounts of cash.

To set up a bank wire transfer, start by calling the casino’s main number and asking to speak with the credit manager. Provide the credit manager with your name, mailing address, phone number, social security number, and email address (if available). Also, advise the credit manager of the days of the week and times of day you normally gamble and roughly how often you gamble during those time periods. Finally, inform the credit manager of the amount of money you wish to wire ($5,000 is usually sufficient) and ask him or her to send you an application form.

Fill out the application form and fax or mail it back to the casino according to the instructions provided. Assuming your credit is approved, the casino will notify you by phone and provide you with the wire transfer instructions you will need to fund your credit.

When wiring the money, be sure to include your name and casino player number (provided by the casino) in the wire transfer so the casino can apply the funds to your account. The casino will chip you out when you arrive, and voila! You’re ready to play. Keep in mind, though, that you’ll want to have a game exit strategy in place before you begin playing table games.

Best High Limit Slot Machines You Can Play Online in 2023

Casino Player’s Club Cards

Most casinos offer player’s club cards that entitle the bearer to various perks and discounts while on the premises. Depending on the tier of the player’s club to which you’ve been assigned, you may receive complimentary drinks and/or food, invitations to special events, and discounted room rates. More importantly, your play is automatically tracked by the slot machine or table game, and points are awarded according to the level of play. At the end of your session, you can redeem your points for free play, cash, merchandise, or dining certificates.

Obtaining a player’s club card is simple: just ask the hostess for a slot machine or request a card from the dealer on the table game. You will be asked to provide some identification (driver’s license, etc.) which will be copied and inserted into the card. Your card should be presented to the dealer on table games or slipped into the slot machine before playing. Make sure to sign up for a player’s club card on your first visit to the casino because all play (prior to signing up) will be lost to history – forever.

Using Credit Cards at Online Casinos

We briefly touched upon the fact that federals laws related to gambling mean that credit cards are unlikely to cause issues in states with regulated industries. However, credit cards are widely accepted across the many excellent , each of which boasts hundreds, if not thousands, of games. If you are looking to try your hand at the roulette wheel from the comfort of your own home, we highly rate the following casinos that accept credit cards.

Credit Cards vs Other Payment Methods at Online Casinos

Playing at online casinos has skyrocketed since land-based gaming became limited in daily occurrence. Now, with lockdowns becoming a thing of the past, players are opting to split their time between physical casinos and their digital counterparts. One of the areas that have seen significant growth in recent years is the range of payment methods that have been introduced.

While credit cards remain popular, especially Mastercard and Visa Casino deposits, they are joined by a host of rivals looking to make life easier for customers. Below, we have outlined some of the options on offer; you can click through to one of our in-depth guides for more information.

  • eWallets Such as  and  have become increasingly popular in recent years. They allow you to manage your bankroll in one place, moving funds to and from the casino as required.
  • Cryptocurrency The rise of Bitcoin and the like has led to many operators accepting this form of payment. If you choose to use  at casinos, you’ll find huge deposit bonuses on offer at many sites.
  • Pre-Paid Cards  and EntroPay allow you to make deposits without having to share any personal bank details, making them a secure option.
  • Bank Transfers This method is ideal for High Rollers, as there are no limits on the amount you can move between your account and the casino cashier.
  • Mobile Billing Pay by phone bill by charging your plays to your Vodafone, EE, or Three Monthly Bills. This method allows you to start playing instantly with no forms to fill out.
Iowa Sports Betting Apps - Mobile Reviews and Downloads

Each of the payment providers mentioned above has unique advantages and disadvantages; we suggest reading our dedicated pages, detailed below, to find out more.

Credit Cards in Daily Fantasy Sports Betting

Daily Fantasy Sports (DFS) differs significantly from traditional casino and sports betting markets. Like eWallets, DFS platforms have grown massively in recent years, with millions of users enjoying the chance to play daily games for substantial prizes.

The best credit cards offer excellent returns on DFS spend, mainly thanks to the bonus schemes attached to them. The  offers excellent protection to users, meaning they can splash out on competitive daily fantasy games without fear of being ripped off.

To use your credit card on a DFS site, the first step is creating an account. Once this process is complete, head to the cashier and select the Mastercard or Visa option. You will be asked to enter your card details, which will then be protected by whatever security measures you have put in place (PIN, password, etc).

We recommend reading our for a better understanding of the benefits associated with using Mastercard at such sites. DFS is not subject to the same regulations as sports betting and casino gambling, instead operating as a game of skill. Nonetheless, credit cards are still an excellent way to get involved, offering superb security features and excellent returns on any welcome bonuses claimed.

FAQs

Can I use my credit card in casinos?

Which casinos accept credit cards?

Can I use my Discover card in a casino?

Should I use a credit card in a casino?

Are there any downsides to using a credit card in a casino?

What are some alternative payment methods to credit cards in casinos?