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.

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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.

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.

Can I Use My Credit Card to Gamble Online in the UK?

Unfortunately, using credit cards to gamble online in the UK is no longer an option.

As of April 2020, using credit cards for online gambling in the UK has been strictly forbidden under regulations imposed by the UK Gambling Commission. This prohibition was implemented to promote responsible gambling and protect individuals from potential financial harm due to excessive gambling activities. The ban encompasses all forms of online gambling, including casino games, sports betting, and other betting activities. This regulatory measure reflects a proactive approach towards safeguarding players’ well-being and minimizing the risk of gambling-related harm.

Due to this ban, players are no longer able to use credit cards as a payment method for funding their online gambling accounts. While credit cards were once a common and convenient option for transactions in the online gambling realm, players are now required to explore alternative methods such as debit cards, e-wallets, bank transfers, or prepaid cards to engage in online gambling activities. It’s crucial for players to adhere to these regulations and choose payment methods that comply with the established guidelines, ensuring a secure and responsible gambling experience in the UK.

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 may end up in debt if you don’t plan carefully. This is why we always encourage players to play with the money they have, instead of the money they borrow or hope to win, so they could avoid debt, and problems related to it.



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Emma Summer is a passionate PayGamble author, highly interested in iGaming, Finance & Business industries. Throughout her career, Emma's delivered some of the highest ranking,…

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