Debit Card Online Casinos – Accepted US Credit Cards For Gambling

Debit cards are a hugely popular way of making online deposits at US online casinos, as they offer speedy and reliable transactions. Their popularity is partly because debit cards simply provide a way of depositing money instantly as they are linked directly to the funds in your bank account. This means that, unlike a credit card, you can only spend the money that is in your account. As long as your account has the funds, the transaction is processed, and there is normally no fee.

If you don’t have a debit card, you can still use a credit card or prepaid card at an online casino.

Can I Use My Debit Card For Online Gambling?

Yes, debit cards can be used for online gambling in the US as long as the casino you have an account with accepts them. Generally, deposits do not incur any fees, but some casinos could add one so make sure to check out the terms of use.

Is Using A Debit Card For Online Gambling Safe?

Yes, using a debit card at an online casino in the US is very safe. Most players will have used a debit card for online payments at some point already. A debit card’s super-tight security includes its own specific card number and even the additional short number (CVV) located on the back. These measures are in place to prevent any card fraud from occurring.

US Online Casinos That Accept Debit Cards

A sweepstakes casino, also known as a social casino, gives players a chance to win real money by using Sweeps Coins. Sweeps Coins are given as a promotion or when a player buys Gold Coin packages. This allows players to play for free using Gold Coins, or for a chance to win real money using the free Sweeps Coins they earned.

Sweepstakes casinos like Chumba Casino and LuckyLand Slots allow players to make purchases using debit cards. As noted, players can purchase Gold Coin packages that come with free Sweeps Coins. If a player wins more Sweeps Coins by playing the casino games available at one of these social casinos, they can redeem that Sweeps Coins for real money. This makes it necessary to have a real money payment option that can be used within the gambling site. Depending on the free online casino, different debit card options are available.

You can win real money online free at these legal US online casinos:

Online Casinos That Accept Debit Cards By State

Gambling sites with payment options, such as BetMGM, BetRivers, and Golden Nugget all accept debit cards.

One of the main reasons that debit cards are so easy to use at gambling sites of all types, is that they are instant payments from the account. Banks will record the payment as a direct transaction and therefore allow payment to legal US casinos instantly.

The only time your bank may block a transaction of this type is if they feel the site is fraudulent or you have made an unusually large deposit to a new site. However, these aren’t drawbacks in any way as it demonstrates the high security in place when using a debit card for this type of transaction.

Here are the best US online gambling sites that accept debit cards:

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Online Casino Debit Card

There are a growing number of debit card options available at legal US online casinos. Currently, Visa and MasterCard hold the top spots thanks to their sheer longevity and strong reputations. American Express (Amex) and Discover are also starting to become possibilities or can already be chosen at some real money and free gambling sites. Discover, however, still has some ways to go before it becomes as commonly used as the other three options.

Visa Online Casino

As Visa is a US-based company, it will come as no surprise to find that Visa Debit is available at a large number of US online casinos in various states. Visa has a good reputation thanks to its very strict regulations, high levels of security, and speedy payments. Generally Visa Debit has low or no fees attached too, which makes it a popular option.

What’s great about Visa is that it can be used for both deposits and withdrawals, though withdrawal times tend to be significantly longer (up to a week) than other payment options. Upper-end limits tend to be quite high for Visa transactions, but there’s generally a lower limit of around $20 for both deposits and withdrawals.

MasterCard Online Casino

MasterCard is another widely used debit card option at US online gaming sites and is generally accepted wherever online gambling is legal. It’s already well-known, and used, by a large number of players and offers a readily accessible, highly secure payment option due to the need for full name, card number and more, when making any transactions. An added perk is that the company will help you recover lost funds should an issue occur.

MasterCard at online casinos may have a fee attached, but usually, these are small. And from our experience, very unlikely. There can also be a fee from the casino’s side. Generally, there’s a $20 minimum for any transaction. At the maximum end, you’re looking at decent high numbers, usually in the thousands of dollars. Both withdrawals and deposits can be made using this method, but be aware that transaction times for withdrawals tend to be a little bit slower than other payment options; deposits are instant though.

American Express Online Casino

American Express has become one of the world’s biggest card issuers so it will come as no surprise to find that a number of US online gambling sites now give Amex Debit payment options. However, it is still relatively new to the iGaming world so not all legal US casinos offer this as an option. Despite this lesser use, it’s a highly trusted method that offers fast, secure transactions with no additional fees. Better yet, it’s also great if you are accessing a site and want to make payments from a mobile device.

At casinos where Amex is offered, both deposits and withdrawals can be made, though the latter can take over a week to process. Similar to other debit card options, limits are much larger than other payment options. However, your bank may have set an additional limit on your card, so make sure you know what that is before you start to play online.

Discover Online Casino

The Discover Card is an online debit card option that can be used at US online casinos. However, it’s still very new to use and as such, very few legal online gambling sites will actually offer this as a payment option. Despite not being commonly available, if you find a casino offering this option, there are some great perks. For instance, there are no fees from the bank nor the casino when you use it. Better still, when you do use it, there’s an option for cashback too!

Unfortunately, Discover has high vendor fees, which have hurt its usage around the country. Elsewhere in its features, Discover offers much the same as other debit cards including similar payment limits, the ability for both withdrawal and deposits and a week processing time for getting back any winnings.

Best Debit Cards For Online Gambling

Currently, there are two top debit card options in the US and these are Visa and MasterCard. Despite Amex also coming from the US, it is only used roughly a quarter of the time for online transactions throughout the country.

Visa and MasterCard hold that top spot due to their high levels of security, lack of fees for both cardholder and vendor, and the long-trusted reputation they have built over the years with players knowing that transactions are safe, smooth and secure. This has also led to the majority of players having one or other of these cards, not necessarily by choice, but simply due to the fact that it is the card option provided by their bank. The vendor fees that Discover have in place are somewhat of a dampener to banks and other such companies meaning that Discover is continually passed over in favor of the other options.

Sweepstakes Casino Debit Card Options

We have outlined here the different options available to those who wish to play at free online casinos:

  • Visa: Visa Debit is available to make all types of transactions at sweepstakes casinos. In fact at this time, playing at one of these types of casinos, you can only use debit card options if you want to purchase Sweeps Coins – this does not actually count as making a deposit as this is not a traditional casino. Instead, your bank will class this as an online payment transaction, which is why it’s able to be processed easily. Visa Debit offers fast withdrawals and instant payments thanks to the casino’s attempts to offer fast and efficient payment options. Usually, there’s even just a few day turnaround for the withdrawal.
  • MasterCard: This payment method is also available at free online casinos. MasterCard does not incur any fees and operates exactly as it would when purchasing anything online offering high levels of security for your funds. Processing time does vary when it comes to making a withdrawal of the prizes won, but deposits, or rather payments for Sweeps Coins occur instantly so that you can get playing right away.
  • American Express: Similar to the other debit card options, Amex is available for use in all types of transactions at social casinos. Transactions tend to occur quickly and do not have any fees attached. However, it’s important that players remember to only spend what they have in their account as this is not a credit card and your bank may charge you for going into your overdraft.
  • Discover Card: Discover is also available at sweepstakes casinos and comes with fast turnaround times and minimal to no fees. However, it is not as commonly available as there is a high vendor fee in place, which means that even a sweepstakes casino may add a fee for withdrawal if they want to, so be sure to check that out.

Debit Cards At Online Casinos

How To Deposit Using A Debit Card At An Online Casino

When it comes to making a deposit at an online casino, it couldn’t be easier. Here are the steps:

  • First, you need to make an account with the casino
  • Once the account is verified, head to the cashier/banking section of the site
  • Find the specific debit card you would like to use (Visa/MasterCard etc)
  • Select this payment option
  • Input the value you would like to deposit (bear in mind the minimum and maximum deposits set by the casino)
  • A form will appear that needs your details
  • Fill out your name as shown on the card, card number, billing address and the expiry date of the card
  • Fill in the CVV number found on the back of your card
  • Check the details are correct
  • Click submit
  • Depending on your debit card you may go through a verification check
  • Once completed your deposit will be processed, turning up in your account instantly

How To Withdraw Using A Debit Card At An Online Casino

Withdrawing your hard-earned winnings is a similarly straightforward process:

  • Head over to the cashier/banking section of the casino
  • Select the debit card option you wish to use
  • Input the value you would like to withdraw from your casino account ensuring that this meets the casino’s minimum and maximum requirements
  • Fill out your name, card number, billing address, expiry date, and CVV number
  • Check the details and submit

Withdrawal Time

Withdrawal times can vary depending on the turnaround time by the casino. Generally, debit card withdrawals can take anywhere from 3 to 7 days to process and turn up in your bank account. There does not appear to be much difference in the processing time between the various debit card options.

Withdrawal Fees

In general, debit cards do not have any fees attached unless you have overspent and then this fee comes from your bank and out of your overdraft (if you have agreed on one). Generally, none of the different debit cards stand out from the other, with all being fee-free.

Advantages Of Using A Debit Card

There are a number of great advantages to using a debit card at a US online casino:

  • Security is tight so funds are always safe
  • Very easy to use and most players have used one online already
  • No fees attached
  • High limits available for large deposits or withdrawals
  • Players can get their hands on lucrative bonuses
  • Instant deposits
  • Cannot overspend as you can only use the funds that are in your account
  • Always eligible for welcome bonuses

Disadvantages Of Using A Debit Card

There are of course some downsides to using a debit Card:

  • Banks can impose a limit on spending
  • Withdrawals take time often 3-7 days
  • Lots of details to fill out every time you make a transaction

How To Sign Up For A Debit Card

If you have decided that a debit card is the method for you, then it’s time for you to sign up for one. No matter which of the main debit card options you decide to go for (Visa, MasterCard, Discover or American Express), the signup process is very similar. We have outlined the process here:

  • Choose the debit card company you wish to be a customer at
  • Your bank is likely to have debit card options in place so you can either request a debit card in person or online
  • If you do not have a bank account you will need to open one
  • To open a bank account you will need your social security number, driver’s license or passport, current employment information and a valid email address
  • Fill out, and sign, an application form for a checking account
  • Once the account is approved you will get a debit card for you to access the account
  • The debit card will be sent to you in the mail when it is ready
  • You will then need to activate the card following the instructions given by your bank
  • You will need to choose a PIN
  • If you already have a bank account, you can simply ask for a debit card from the bank by filling out an application
  • The bank will check your credit history and issue a card where you will then have to activate and choose a PIN (as above)

Frequently Asked Questions

How fast are transfers?

Transfer speed depends on whether you are depositing or withdrawing. Deposits occur instantly so that you can get playing right away. Withdrawals will have a casino processing time, plus the time it takes for the money to then appear in your bank which can be from 3 to 7 days depending on the casino and the card type.

Are any fees involved?

As a general rule, there are no fees associated with any of the debit card options. However, the casino may add a fee of their own for the usage. Be aware that Discover charges a high vendor fee, which may cause some casinos to add one of their own to make up for it. It’s also good to be aware of the funds in your bank account. If you overspend, you may incur an overdraft fee from your bank. Additionally, you may incur a bank fee if you make a payment in a different currency to the one in your bank account.

Are there any deposit limits?

Generally, debit cards have the lowest minimum deposit limits out of all payment options. However, these limits will still depend on the casino you are playing at.

Are there any withdrawal limits?

Similar to deposits, debit cards offer very low minimum withdrawal limits. At the opposite end of the spectrum, debit cards tend to be able to withdraw in the thousands though this will depend on the maximum withdrawal allowed by the casino.

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