How to Deposit With a Credit Card
Depositing with a credit card at casino sites couldn't be easier. You pick the credit card option on the deposit page at the casino once you're logged in, or choose the payment provider that processes the card payments. Sometimes this will show as the logo of the card type you have, and at other times, it will be the name of the payment provider.
Credit card deposits work like any other card payment. You enter all the card details necessary to verify the card and authorize the payment. The details you'll need to enter are your name, the expiry date on the card and the card number. You'll also have to enter the amount you want to deposit and the CVC code. If your card issuer is connected to Verified by VISA/MasterCard or 3D Secure, you'll also have to confirm the payment using these security features. The system that is used to do this doesn't necessarily depend on the online casino that accepts credit card deposits since it's up to the card issuer. However, most casinos will have this enabled, at least for the first transaction from the card.
How to Withdraw to a Credit Card
Withdrawing to a credit card can sometimes be a bit tricky. In most cases, it works without a hitch, but in others, you might encounter an issue commonly known as a "MasterCard issue," even though the problem can also occur when you're withdrawing to a VISA or Maestro card. Actually, Maestro cards always have this issue.
The issue itself isn't really an issue since it's actually a feature of some credit cards. It will only be possible to complete a withdrawal to the card if it's connected to a bank account. If not, the transaction will bounce back to the credit card casino online and end up in your player account. The problem is that you or the casino won't know if this is going to happen before it actually happens. So, if you withdraw to a credit card for the first time (and the casinos will probably ask you to try this at least once), make sure you keep an eye on your card balance to see if the transaction went through or not. If it didn't, contact the online casino accepting credit card payments, and they will allow you to withdraw using a different deposit method, most likely a bank transfer.
How to Verify Your Payment Card
Payment cards of any sort are usually easy to verify. All you need is a camera, like the one on your smartphone, that you can use to take a picture of the card. When you need to verify the card, you'll receive detailed instructions about how to do this, and the whole process is very simple. Take a photo of the card, making sure all the four corners of the card are visible and that your name, the expiry date of the card and the first 6 and last 4 digits of the card number (the 16-digit number printed on the front of your card) are all visible.
Very few credit card online casino operators ask for an image of the back of the card, but if they do, you'll need to send a photo of this as well, and you'll need to make sure that the CVC code is covered in this one. Normally, they also require that the card has to be signed in the signature field.
If you only use one card in your casino account, and you withdraw back to this card, chances are that you won't even need to verify the card since the transactions will be happening within what's called a "closed loop." This is when the funds aren't being moved to any place other than where they came from, meaning there's little chance of money laundering or other fraud occurring. This is why the online casinos that accept credit cards don't have to verify the ownership of your card. However, always keep in mind that a casino is free to ask for verification whenever they want and for any reason.
Limits and Fees
Since there are many different casino credit cards on the market, there are no standard limits for transactions. The casinos are free to set almost any limit they wish, but the minimum is usually set at €10. Maximums vary greatly, and anything from €1000 to €5,000 is considered normal.
As for fees, normal card fees for transactions are applicable. These are usually set at 2.5%, even though payment providers may, of course, choose to charge other rates as well. In terms of the payment provider fees, whether the charges are supposed to be covered by you or the casino is another thing that isn't standard. Some credit card online casinos always push these costs onto the players, while others choose to cover the costs, so you'll get free deposits and withdrawals. Other casinos choose only to cover the costs if your deposit is over a certain amount. It is therefore smart to check this before you sign up and deposit to a new casino you haven't tried before.
Best Credit Card Casino Sites
If you prefer handling your gambling funds using a credit card, you may want to know the best casinos that accept this method. Below, we’ve listed the creme de la creme for players who love the convenience of credit card gambling.
Wheelz Casino is a top-rated credit card casino. The operator works with Visa and MasterCard credit cards. It supports them for both depositing and withdrawing. The minimum deposit for both is €10, while the minimum cashout is a decent €20. Credit card deposits at Wheelz are instant, whereas withdrawals may take up to three business days.
Wheelz Casino rocks a 4.8-star GoodLuckMate rating thanks to its high operating standards. Besides its unique theme and design, the site has a generous welcome offer, various cool promotions, and thousands of games.
Wheelz Casino Pros:
- Both credit card deposits and withdrawals
- Supports Visa and MasterCard
- Low minimum deposit
- Can use cards via desktop and mobile devices
- Excellent bonuses and promotions
Wheelz Casino Cons:
- Withdrawals may take up to 3 days
- No phone support
JellyBean Casino is another fantastic pick among the credit card casinos reviewed at GoodLuckMate. Those who want to use credit cards at JellyBean Casino can go for Visa and MasterCard. The payments are instant, and withdrawals always take a few business days. The minimum credit card withdrawal is €100, while the maximum per 30 days is limited to €5,000. The operator doesn't offer any info on min and max deposits, but we expect something in line with the industry average of €10-20.
As for its game offer, JellyBean Casino works with 35+ providers, including Reg Tiger and Pragmatic Play. So, it has thousands of top-class games. JellyBean is also one of the operators that grant no deposit free spins upon registration to players from some jurisdictions.
JellyBean Casino Pros:
- MasterCard and Visa cards supported
- Instant deposits and no fees
- Only EUR supported
- Excellent no deposit bonus
- Top-rated game selection
JellyBean Casino Cons:
- ID verification mandatory
- High minimum withdrawal
- Low monthly cashout limit
Lucky Creek Casino
Lucky Creek Casino is an excellent casino with credit card banking. Lucky Creek Casino supposedly works with various credit and debit cards. The operator mentions MasterCards and Amex, while there used to be some issues with Visa deposits. The site supports USD, EUD, and CAD as currencies of choice. The minimum deposit is €20, while the minimum withdrawal is €100.
This gambling site is perfect if you're a fan of the Wild Wild West theme. The operator features games by several game providers that typically target international players like Betsoft, Rival Gaming, and Saucify. Lucky Creek Casino is mostly known for its massive welcome packages and ongoing promotions for returning customers. All these advantages make it one of the best credit card casino operators on the market right now.
Lucky Creek Casino Pros:
- Several different currencies
- Massive welcome package
- Various games and game categories
- Mobile deposits and cashout supported
Lucky Creek Casino Cons:
- Seems to accept MasterCard only, possibly Amex
- ID documents mandatory for withdrawing
- High minimum deposit and withdrawal amount
Credit Card Bonus at Online Casinos
The availability of casino bonuses is one of the great benefits of topping up your account at an online casino with a credit card. These cards are always accepted for activating a bonus, as long as the bonus in question is not a specific payment method bonus. Getting extra Credit card bonuses is not normal. But, as with debit cards, they are quite often the only available payment methods at casinos that can trigger a welcome bonus. So, in a way, that could be considered a separate card bonus.
Pros and Cons of Credit Card Casino Payments
Using a credit card for gambling comes with both positive and negative sides. Depending on your playing style and expectations, any of those can prove a deal breaker or a deal maker. Anyway, let's list the benefits and drawbacks of credit card gambling. You can then decide for yourself if this banking method works for you.
- Instant processing times.
- 100% secure.
- Accepted at most European and international gambling sites.
- Decent limits.
- The easiest and simplest way to deposit.
- Almost always eligible for bonuses.
- Banned in some jurisdictions.
- May include processing fees.
- May include interest rate charges until the credit is paid off.
- Withdrawals take a few days to process.
- Some banks may refuse to process gambling transactions.
- Your gambling habit appears on bank records.