Can I Use My Credit Card to Gamble Online?

Now that almost all of us are accustomed to using credit cards to make online purchases, the thought of using them to purchase entertainment like gambling may not cross our minds. But the truth is that you won’t be able to use your credit card to fund your online casino account most of the time.

Sometimes, your bank might not approve the payment requests, even if the casino allows you to use your credit card for deposits because most notable banks don’t consider gambling an acceptable purchase type.

If you have a credit card issued by a regional bank, there might be a higher chance of successful payment. Still, a lot of factors might affect this payment process and cancel your payment request. Let’s take a deeper look at the advantages and disadvantages of using credit cards for online gambling.

Rules Vary by Company, Location, and Casino

Four factors can affect your ability to use your credit card to fund your online casino account:

  • the casino itself
  • the state where you reside
  • the payment network of your credit card
  • the bank that issued your credit card

The laws constantly change when it comes to gambling, and every state has rules and regulations that banks must follow. We say you should check with your credit card issuer and your chosen online casino site if you want to know for sure. If your card issuer doesn’t allow you to make online gambling purchases, read the online casino’s terms and conditions or FAQ section to see if a different option might be available. You can also ask other players whether they’ve tried using their credit cards or not.

[BLOG] Can I Deposit Cash At Online Casinos?

If you insist on using your credit card, you can always fund your digital wallet with your credit card or your debit card and then use that e-wallet to pay for your gambling purchases. Make sure your chosen online casino accepts the e-wallet you use.

Weighing the Pros and Cons

Even if you’re able to use your credit card to fund your online casino account, does that mean you should do it? Let’s take a closer look at your options.


  • Credit cards come with limits. Therefore, using credit cards can still help you limit your spending.
  • Choosing the safest payment option is also crucial when you gamble. Credit cards guarantee your safety if you doubt other payment methods.
  • Each online casino offers different payment options, and almost everyone has credit cards.


  • Even if your card issuer told you that you could use your credit card, it’s still best to check the fine print on your card’s agreements. This is important because some issuers list gambling purchases as a form of cash advances. If you try to pay using credit cards on land-based casinos, you would have to borrow the cash advance before you’re able to place any bets. Doing so means you might be charged 3% to 5% of your purchase and a higher annual percentage for the use of cash advances.
  • Some cards’ cash advances might also have a separate limit that’s lower than your overall card limit.
  • Using cash advances might also consider your card unqualified for point rewards.

Bottom Line

The ability to use your credit card to gamble online depends on your chosen online casino and your card’s terms and conditions. Still, using credit cards might not be the best option compared to other payment methods, especially if you’re the type to overspend often.

Using a credit card means you’re borrowing money and gambling using the money you don’t have. Also, using your credit card to gamble might force you to pay an extra fee. Those two factors combined don’t sound like a good idea, as you might end up in debt if you don’t plan carefully.

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Kevin Flynn

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Kevin Flynn is a lean start-up business consultant, PowerMBA, and Senior Financial Markets Editor at Investors Prism. He lives in Leominster, Massachusetts, with his wife…

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