Guide to using a Credit Card in Online Casinos

People have used credit cards for online and in-person payments since they first came into existence during the 1950s, and it’s fair to say that they’ve been popular ever since being invented. As such a large portion of the population own credit cards, it makes sense that pretty much every online casino will offer payment using a credit card.

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The two main credit card companies are Visa and Mastercard, and most people will have at least one of these cards, if not both. This page explains the history of credit card payments, which types of credit card are available for use in an online casino, the strengths and weaknesses of these types of payment and more.

History of Credit Card Payments

Before they came into physical existence, credit cards as a concept were discussed in Edward Bellamy’s novel Looking Backward in 1887. It was to be another few decades before any kind of credit was used, and the first version was charge coins, which came about between the late 19th century and 1930s. These were made out of various materials and were given to customers who had charge accounts in various department stores, hotels, and other kinds of place they could make a financial transaction.

Between the 1930s and 1950s, the US introduced the Charga-Plate, which was a rectangle of sheet metal which recorded purchases by being placed into an imprinter. This was followed by the Air Travel Card, where passengers could make a purchase then pay later for a ticket, receiving a fifteen percent discount with eligible airlines.

In 1950, the Diners Club card became the first ‘general purpose charge card’, requiring the bill to be paid with each statement that was issued. Carte Blanche came afterwards, followed by American Express.

History

Types of Credit Card Available

There are several types of credit card available, although the most popular ones you will find in an online casino are Visa and MasterCard. Some may also offer American Express, but this is less likely.

  • Visa – Over 320 million cardholders worldwide, accepted by over 8 million merchants. Customers can use Visa Checkout for mobile, and the card offers many benefits, including premium rewards. You can have anywhere between poor and excellent credit to obtain a Visa card.
  • MasterCard – Over 190 million cardholders worldwide, processes transactions in over 210 countries and over 150 currencies. The second largest credit card network in the United States, offering easy bill pay, personal information protection via chip technology and more. Users need good to excellent credit to become a cardholder.
  • Chase – Over 93 million cardholders, with its revenue taking up over 30% of the market. This credit card company offers rewards from companies such as Southwest Airlines and Disney. It’s the top issuer of credit cards in the US, and you need fair to excellent credit to obtain a card.
  • Discover – Over 57 million cardholders, students and businesses can enjoy this card as there are good offers available, including cash back and travel promotions. Fair to excellent credit is required to obtain a card.
  • Citibank – Over 48 million cardholders, a banking option for customers with good to excellent credit. Established in 1812, this provider has the rewards programs Simplicity and Thank You available for its customers. There is also an online tool for managing multiple accounts.
Types-of-Credit-Card

Strengths of using a Credit Card

  • Deposits are made immediately – This means that online casino players wanting to get started right away can enjoy instant deposits and begin to play roulette, blackjack, slots or any other game available on their chosen site.
  • High quality customer support – Due to the well-established presence of major credit card companies, there will be easy access to customer support if problems such as failed transactions or lost and stolen cards occur. The benefit of combining credit card payments with membership of an online casino is that not only will you be able to contact your credit card’s customer support services quickly and easily, there is also a live chat function available on most casino websites for assistance with issues such as financial transactions.
  • Convenient method of payment – People will most likely always have their credit card on them, as they will be used in multiple areas of everyday life, whether it’s going to a supermarket or using public transport. As most consumers will also be used to making online purchases with other merchants, using a credit card with a casino will be second nature.
  • High level of security – Making a transaction online with a credit card is usually done through a page which is protected with measures such as SSL encryption, which means that sensitive personal data is transferred to the merchant in an encrypted way, so as not to be interpreted by malicious third parties.
Strengths-of-using-a-Credit-Card

Weakness of using a Credit Card

  • Withdrawal times can be slow – Compared to payment methods such as e-wallets, withdrawal transactions using a credit card can take 6 to 8 working days to appear in your account. This can be inconvenient if you have plans for your winnings or need to repay your credit card urgently.
  • Poor credit management can lead to debt – Playing casino games using a credit card can cause financial difficulties if you’re not in a position to pay back what you’ve spent in an online casino. It’s worth taking measures such as setting yourself a budget before paying for casino credit with a credit card, as if you get too carried away you may find yourself subject to debt collections, which will impact your credit score and ability to play in the future.
  • Account information can be exposed – Although online casinos will use the highest levels of security to protect customer information when they make credit card transactions, if they are intercepted in any way, or you accidentally use a site without such a stringent setup in place, your full credit card information and possibly your address will be vulnerable to malicious use.
Weakness-of-using-a-Credit-Card

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Credit Card Fees

There is not usually a fee for making a deposit or withdrawing casino winnings using a debit card. Don’t take this information for granted, though, as you should be aware of any costs involved before using this payment method for slots, blackjack, roulette and more. Check the terms and conditions on the site, and also get in touch with your credit card provider, to confirm the details of any fees which may apply – or get confirmation that you won’t have to pay anything extra.

Credit Card vs E Wallets

Before considering the differences between credit cards and e wallets, it’s worth establishing clearly what each payment method involves.A credit card allows a customer to make financial transactions which are converted to a balance payable on their account by a certain date. Minimum payments are required at regular intervals in order to keep your account and credit score in good standing.

An e wallet, also called a digital wallet, is a financial service which allows customers to save information such as their credit or debit card details, shipping address and other sensitive information in one place online, which can be used to complete transactions, should the merchant accept this method as a mode of payment.

Examples of e wallets include PayPal, Amazon Pay, Apple Pay, Google Pay, Masterpass and Visa Checkout.

Credit-Card-vs-E-Wallets

One of the most obvious benefits of using an e wallet over a credit card is the fact that customers don’t have to pull out their card, type out the long card number, expiry date, security number and so on. This is convenient for people who may be rushed for time and want to make a casino deposit or withdrawal via mobile on their commute to work, as many e wallets simply require a fingerprint or short PIN.

Another big bonus is that your personal account information is not subject to interception, as no sensitive data is entered directly onto the merchant’s site. Instead, customers can let a transaction take place through secure tokenization, without the need to worry about security.

However, although the rise of e wallets and mobile commerce is undeniable, there are still benefits to having a credit card on hand as a payment method. For example, it will take a while before every single merchant accepts e wallets as a payment method – and this may not even happen in our lifetime. Additionally, e wallets rely on technology in a way credit cards don’t – so if your internet is down on your mobile device, it may not be possible to make an e wallet payment, while a credit card will usually always work.

Credit Cards vs Debit Cards

The difference between credit cards and debit cards is slight, but significant. Most people will have at least one of each in their wallets, as each serves an equally useful purpose. While debit cards contain funds that are yours to spend without any additional steps needed, credit cards contain a sum of borrowed money which will need to be repaid.

One of the biggest benefits of using a debit card instead of a credit card is the financial stability it provides. Once you have spent a certain amount, you know where you stand in terms of how much money you have left. If you rack up a huge bill on a credit card without factoring it into your budget, you could be left with debt, which will impact your credit score. Therefore, credit cards should only be used with people who have a decent income, are financially responsible, or both.

Another advantage to debit card payments is that you can deposit larger amounts of funds into your online casino account. While credit cards will have a limit as to how much you can transfer between your account and a casino, you can deposit whatever you like into your debit card account before transferring it to a casino site to use on various games. This means that you can enjoy a higher limit with debit cards – bear in mind, though, that you should check what the overall limits are for a particular casino site before attempting to make such a transaction.

Credit-Cards-vs-Debit-Cards

However, credit cards offer bonuses such as the chance to increase a credit score if used responsibly. This can be beneficial to customers who want to both enjoy online gambling and improve their financial status, as making withdrawals and transactions with a credit card on a casino site, then paying back credit card balances in good time, will result in a better score and rewards such as spending limits being increased and different types of card being available to apply for.

Similarly, those using credit cards can usually enjoy benefits and rewards for making transactions, especially if they are using a rewards card. This can be combined with the bonuses available on a casino site to enable a customer to enjoy multiple offers and bonuses at once, simply for using both a certain credit card and a particular online casino site.

Credit Cards vs Bitcoin

Bitcoin transactions are relatively new, compared to credit card payments, but they have snowballed in popularity in recent years. There are several advantages to using Bitcoin over credit cards, such as the fact that any transaction is validated by the Bitcoin network nodes to avoid accidental double payments being made. It also involves the use of this third party, as opposed to credit cards, where information is directly sent to the merchant.

Bitcoin is possibly one of the most secure payment methods out there today, as it doesn’t require the user to submit any kind of personal information or identification. Anonymous alphanumeric or QR codes are used instead, and they can be used on mobile devices, which is much more convenient than manually typing out a 16 digit credit card number while on the move.

Credit-Cards-vs-Bitcoin

However, when making a Bitcoin transaction, users should be aware that these are only reversible if the receiving party agrees or decides to issue a refund. With a credit card payment, on the other hand, cancellations can be made if a transaction was processed in error. This enables a customer to keep better track of their finances in case of human error and avoids the loss of any funds through mistakes.

Bitcoin is growing in popularity due to the savings merchants such as online casinos can make on processing fees, as well as the reduced risk of charge-backs. However, customers could benefit more from using credit cards in the sense that they offer features such as protection against fraud, reward points and wider acceptance amongst online merchants. While some online casinos offer Bitcoin as a payment method, or even operate primarily using cryptocurrencies, you are restricted in terms of choice if you are only willing to use Bitcoin when depositing or withdrawing with an online casino.

Credit Card Security

When completing a credit card transaction with an online casino, make sure the URL bar in your browser has a padlock symbol on it. This means that the page is secure and has measures in place to protect your payment information. Casino sites will also use one or some of the following security methods:

  • SSL encryption – short for Secure Sockets Layer, SSL encryption ensures that sensitive data remains secure as it is transported from a payment processing page to a casino payment processor.
  • PCI standards – the Payment Card Industry Data Security Standard was implemented to protect customers and businesses alike by providing a regulatory framework with rules on how to handle, use and store credit card information. These regulations help companies to detect and prevent data breaches, and if any retailer isn’t compliant, they will be subject to large fines from credit card association companies such as MasterCard and Visa.
  • Tokenization – This allows sensitive information submitted during a financial transaction to avoid being collected or stored, as only minimal information such as authorization codes and transaction IDs gets sent. The process involves taking the sensitive data and replacing it with a random sequence of numbers which can only be linked back to the original information by a party authorised to do so.
Security

Credit Card Bonuses & Offers

It can be hugely beneficial for credit card users to register at online casinos with this payment method. For example, a player who has a credit card which operates a cashback rewards program could sign up to a casino site, receive a welcome bonus and deposit bonus, then spend the following months enjoying games such as slots, roulette and blackjack. After a year, the card holder will receive between 0.5 and 2% of their net expenditure as an annual rebate. This means that, not only will a customer have enjoyed a bonus for playing at the casino, they will be rewarded for using their credit card as the selected payment method.

Additional credit cards rewards available include dining rewards, bonus points, air miles and more.

Credit Card on Mobile

It’s easy to use your credit card as a payment method when using the mobile edition of an online casino. Recognising that mobile usage is increasing worldwide, as people use the internet while on the go to make everyday purchases, online casinos have ensured they can provide a payment interface which is just as convenient as the desktop edition.

As companies such as MasterCard and Visa are so widely accepted, it will be simple to navigate to this option when making a deposit or withdrawal, before entering your card details. Some casinos will even let you save certain card information to your account, which will speed up the process and make future transactions quicker if you’re on the go.

Mobile

Credit Card with Live Games

Just as you can use credit cards to deposit and withdraw funds for virtual casino games, this option is also available for live games. An increasing number of online casinos recognise the value of live streaming table games such as blackjack, poker, roulette and Dreamcatcher to players wanting to experience the feel of a brick and mortar casino from the comfort of their own homes.

Such players will be relieved to learn that they can make deposits and withdrawals using credit cards just as easily as they could for virtual games such as slots, as such a payment will result in the funds on a player’s account being converted to chips for use at live tables with ease.

Live-Games

Casinos Accepting Credit Cards

It should be easy to check which payment methods an online casino offers. Sometimes, all you have to do is scroll down the homepage until you reach the bottom, where various logos will be on display. Not only will there be information about the gambling addiction support on offer, as well as the software providers used by the casino, there will sometimes also be a list of credit card logos available too, so players can search for their particular credit card logo, such as Visa or MasterCard.

Another method is checking the FAQ section of the site, which will often include a section on payment methods and detail troubleshooting for common problems encountered by players making such payments on the site. Finally, you could also use the search bar on the site to look up the payment methods available, or check out a casino review to see if your credit card of choice is available as a deposit or withdrawal method.

Casinos-Accepting-Credit-Cards

Frequently asked questions

All credit card providers have a 24/7 customer support which can answer any question that you might have. The best way would be to check the FAQ page at their website first and if that doesn’t help, just contact the support team via telephone or e-mail.

In some cases, credit card providers can be reached through a live chat service or even through their Facebook page.

Withdrawing through a credit card can take between 2-5 business days, depending on the credit card provider. It’s the same when it comes to online casinos and the ones we listed will pay you out in about 2 days.

Opening an account with any online casino is free. On the other hand, you need to deposit money in order to play, even though certain casinos offer small, no deposit bonuses.

If you decide to deposit money into your online casino account through a credit card, you won’t need to worry about supported currencies. Whatever the casino accepts, the deposit will be accepted.

If you prefer to avoid credit cards, there are many other payment methods that might be a better option for you.  There are e-wallets like PayPal, NetellerEcopayz, Entropay and few others. Other options include debit cards, wire transfer, pay by phone and pay with Bitcoin.

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