Which Sportsbooks Still Take a Credit Card Deposit?

• Offshore books are where a credit card still works most reliably. None of them are fee-free.
• Several of the biggest regulated sportsbooks dropped cards nationwide. Names, dates and reasons are below.
• More states ban or cap credit card betting deposits every year, on top of whatever each book decides on its own.
• A decline today is as likely to mean the book quit the method as it is a bank blocking the charge, and those two problems need different fixes.
• Winning money back onto the same credit card isn’t something to count on anywhere, so line up a second payout method before your first bet.

Two questions settle this for most bettors. Does your book still take the card, and what will your issuer do with the charge?

All seven offshore sportsbooks we track still take a credit card deposit, each confirmed on the book’s own cashier or help pages. The fee is where it gets ugly. Every one of them charges something on at least some card deposits, and three of the seven run into double-digit percentages once the free first deposit is used up.

Bovada and MyBookie both waive the fee on your first card deposit and charge steeply on every one after. Bovada’s runs 15.9% or higher. MyBookie charges a flat 4.9% on Mastercard and 6% on Visa.

BetOnline won’t quote a flat rate. Its card fee is dynamic, shown in the cashier at the moment you deposit, and it moves with the amount, the card type and your account history. Our full BetOnline review covers the rest of its banking terms.

Everygame and GTBets charge nothing on their own end. Everygame is explicit that your bank or card issuer can still apply a fee it never sees. Most depositors forget that part.

These are offshore sportsbooks, available to US players in most states. They are never licensed by a US state and never regulated by a state gaming commission, so nothing here substitutes for the protection a state regulator provides.

The regulated side is where the card runs out of road. Most of the biggest state-licensed sportsbooks stopped taking credit cards nationally over the past year, so the yes column below is shorter than the one on our Visa and Mastercard pages.

DraftKings went first, nationwide, in August 2025. FanDuel followed on March 2, 2026, and BetMGM dropped the method later that month. Caesars and bet365 both stopped in April 2026, bet365 on April 13. Fanatics never took a credit card deposit at all, and the company has called that a core part of how it built the product.

Of the fourteen regulated sportsbooks we checked, Hard Rock Bet is the only name confirmed to still process a card deposit, instantly and at no charge. Circa Sports takes a card in three of its states, Colorado, Kentucky and Missouri, and routes the other three to debit or ACH. Six smaller regional books don’t state a card policy on a live cashier page, so the table leaves them open.

The table reports what each sportsbook’s own terms allow today. It isn’t a nudge toward whichever regulated book still takes a card, because six of the eight confirmed books stopped taking them and that’s simply where the market sits.

Why So Many Sportsbooks Dropped Credit Card Deposits

Two separate pressures pushed regulated sportsbooks off credit cards, and they aren’t the same pressure wearing two different names.

The books’ own version came first. DraftKings, FanDuel and bet365 each framed the change as protecting customers from cash-advance fees and the higher interest rate a card-funded deposit can carry, and all three pointed at the patchwork of state rules they now have to run.

The second pressure is political and aimed squarely at the fee structure. Senator Elizabeth Warren wrote to several sportsbooks on April 28, 2026, noting that roughly 80% of the regulated sports betting market no longer accepted credit cards by then, and pressing the remaining names on why. BetMGM, Caesars and bet365 did not respond to her request for comment.

Both pressures exist, and they still don’t add up to one story. A company can drop cards to avoid a bad customer experience without ever hearing from a senator, and another can sit through the political heat unchanged if the fee income is worth it.

States That Restrict or Ban Credit Card Deposits

An established core already bars credit card sports betting deposits by law, covering Iowa, Massachusetts, New Hampshire, Oregon, Rhode Island, Tennessee and Vermont. Illinois joined when its Gaming Board adopted a rule banning the method, effective April 25, 2026. Colorado followed with Senate Bill 26-131, effective August 12, 2026, banning credit card funding outright and capping every bettor at six deposits a day.

Maine’s legislature passed a ban on credit cards for online gambling and Governor Janet Mills signed it, though no effective date has been confirmed, so treat Maine as banned on arrival instead of banned today. Virginia has moved to restrict the method this session without a bill signed into law, which leaves it in the moving-to-restrict column.

New York gets described wrong more than any other state. Its law caps a credit card sports betting deposit at $2,500 a year and bars a sportsbook from extending you a line of credit. It does not ban the method. A bill that would remove the card option entirely, A7962, was still sitting in the Assembly Racing and Wagering Committee, unsigned.

Ohio is the one to watch next. Its Casino Control Commission has an active rule proposal to bar credit cards specifically, separate from a broader bill to ban online wagering methods entirely, and neither has resolved. Check your own state’s regulator or statute before you deposit, because this list moves. It moved in four states in the past year alone.

The process barely changes from book to book, offshore or regulated.

Step 1: Open the Cashier and Choose Credit Card

Log in, find the deposit or cashier screen, and pick credit card from the funding methods. At most books it sits alongside debit, crypto and a handful of e-wallets, so read the label before you tap.

Step 2: Enter the Card Details

Type the card number, expiration date and CVV exactly as printed. The name on the card has to match the name on your betting account. A mismatch is one of the most common reasons a deposit gets declined outright, and when it slips through on the deposit side it tends to freeze your first withdrawal instead.

Step 3: Enter the Amount and Confirm

Enter the amount, check it against that book’s minimum and maximum in the table above, and confirm. Several books show the fee for that specific deposit right before you commit. That screen is your last look at the true cost.

Step 4: Check the Balance Before the First Bet

Confirm the money posted to your balance before you place a bet. A pending authorization can show on your card statement before the sportsbook credits the funds, and those are two different events.

What a Credit Card Deposit Actually Costs

The cost that catches most players off guard doesn’t come from the sportsbook. Your card issuer can process a sportsbook deposit as a cash advance instead of a normal purchase, and a cash advance carries its own fee on top of whatever the book charges, plus a higher interest rate that starts accruing the day the deposit clears with none of the grace period a purchase balance gets.

That call belongs entirely to your issuer and your account agreement, so read your card’s terms instead of assuming a figure. Issuers differ on how they code online gambling merchants, and a number that’s right for one issuer this year can be wrong for another or wrong by next year. Debit sidesteps the whole question. A debit deposit draws straight from your checking balance and never codes as a cash advance, and that’s the biggest reason debit has overtaken credit while the list of books willing to take a card keeps shrinking.

A decline has more possible causes than it did two years ago, and they call for different fixes.

The Book Itself Stopped Taking Credit Card Deposits

This cause didn’t exist a year ago and now leads the list at regulated books. A card that worked at DraftKings or FanDuel last season can fail today because the book quit the method. That’s a policy change, not a broken card, and no call to your bank undoes it. The fix is a different payment method or a different book.

Your Bank Blocked the Gambling Transaction Code

Some banks flag or block charges from merchants coded as gambling, independent of anything the sportsbook does. This one is worth a phone call. Banks can often lift a gambling-code block on request, or at least tell you that’s what happened.

The Issuer Is Treating the Deposit as a Cash Advance

Your card can clear the charge and still treat it as a cash advance, which sometimes triggers a decline when it would push you past your cash-advance limit even though you have purchase credit to spare. Call the issuer and they’ll tell you which limit you hit.

Your State Caps or Bans Credit Card Deposits

If your state caps or bans credit card sports betting deposits by law, the decline follows you to every regulated book, and no phone call to your bank or the sportsbook changes it. Use a different payment method.

The Cardholder Name Doesn’t Match Your Account

Sportsbooks check the name on the card against the name on the betting account as a basic fraud control. Using a spouse’s card, or a card that predates a legal name change, gets the deposit bounced until the names match.

The Card Isn’t Enabled for International Payments

This one hits offshore deposits specifically. The offshore books above process transactions outside the US, so some issuers block the charge by default as a foreign transaction unless international payments are switched on for that card. A quick call or an app toggle usually clears it.

If the card keeps failing and you need something that works tonight, debit on the same Visa or Mastercard network is the fallback that clears across this whole list. It draws straight from a bank account and dodges every problem above.

Set the payout method up before you play, not after you win.

Even at the regulated books above that still take a credit card deposit, none of them send a withdrawal back to a credit card. The standard payout rails there are ACH bank transfer, PayPal, a Play+ prepaid card, or a paper check. Hard Rock Bet’s own terms confirm a card deposit at “instant if approved” speed while listing the withdrawal as “generally not allowed” back to that same card.

The offshore side is more mixed, and it pays to check book by book.

GTBets alone returns money to a card, through its Back2Card option, at $15 plus 1.5% and a 3-5 day wait. GTBets doesn’t say whether that covers credit cards or only debit, so confirm it in the cashier before you count on it.

Set the payout method up before your first deposit, because the thing that actually delays money getting out isn’t the method. Every book above runs an identity check on a first withdrawal, and it wants government photo ID plus, at several of them, copies of both sides of any card you deposited with. Clear that early and the fastest sportsbook payouts here land in hours once approved. Leave it until you’ve won and you’re adding days of review to whatever the method itself takes.

A credit card deposit qualifies for the standard welcome offer at every offshore book above, and it’s rarely the best-paying way to claim one. Bovada and Everygame both weight a crypto deposit heavier than a card. Bovada’s card welcome runs 50% up to $250, while the same offer on a crypto deposit pays 75% up to $750.

The wagering multiple matters as much as the match percentage. At Bovada and books like it, a winning bet credits only the lesser of what you risked or won toward the rollover, while a losing bet credits the full risk, so grinding it out on favorites clears slower than the multiple suggests. Most of these books also cap your bet size while a bonus is live, and Bovada holds you to 50% of your deposited amount per wager.

Here’s what that nets you. Deposit $500 by card at Bovada, hit the $250 cap on the 50% match, and the 5x rollover applies to deposit plus bonus combined, $750 x 5 = $3,750 in sports wagering before any of it, winnings included, can be withdrawn. The fee on that first card deposit is $0 because Bovada waives it once. Redeposit by card before the rollover clears and the next one costs 15.9% or more.

A welcome bonus is moot at any regulated book that no longer takes the deposit method funding it, so check the table above before chasing an offer you can’t fund by card.

There’s a case for it and a case against it, and neither cancels the other out.

Speed is the case for. A card deposit credits your balance instantly at every book in the tables above, faster than a bank transfer and without setting up a wallet or an exchange account first the way crypto does. It also comes with a dispute process you already know how to use. If something goes wrong on the sportsbook’s end, a credit card chargeback is familiar ground, unlike trying to claw back a completed crypto transfer.

The case against runs longer. Cash-advance risk sits on every credit card deposit in a way debit and a bank transfer never carry. The deposit fee at several offshore books, 15.9% or higher at Bovada and up to 6% at MyBookie, runs well above what the same books charge for crypto or e-check, which are free or close to it at most of them.

The list of regulated books that take a card at all has shrunk to a single confirmed name, down from most of the market a year ago. And money you win is very unlikely to come back to that same card wherever you bet.

Debit shares the cashier with credit at nearly every book here, and it deserves a straight comparison instead of defaulting to whatever loads first. It clears at nearly every regulated and offshore book on the list, carries none of the cash-advance risk, and given the direction every book above has moved in the past year, it’s the more future-proof default. Networks don’t complicate the switch either. Mastercard sportsbooks and Visa sportsbooks both clear debit cards from those same networks with no extra step, so moving from credit to debit at the same book usually doesn’t mean moving sportsbooks at all.

1. Offshore books remain the more consistent place a credit card works. The regulated side shrank fast, and the tables above name who still takes it and who dropped it.
2. It costs more than debit, sometimes a lot more once a cash-advance fee lands, and it almost never pays winnings back. Line up a second method before you play.
3. A decline today is as likely to mean the book quit the method or your state restricts it as a bank block, and the fix is usually a different method rather than a phone call.