Written by:
Alex Windsor
Fact checked by:
Damjan Jugovic Spajic
Updated:
February 6, 2024

Guide To US Sportsbooks That Accept Debit Cards

Debit Card Betting Sites

Now that online sports betting sites have become a legal option in many states, an ever-growing number of gamblers, including many who are new to sports betting, are taking advantage of this convenient alternative to in-person gambling. Before you can get started, however, you have some important decisions to make. Not only do you need to decide which of the multiple online sportsbooks that might be available in your state to sign up with and how much to deposit, but you must also pick which deposit and withdrawal method to use. This article will focus on the use of debit cards as a banking method.

Many online gambling sites now accept debit card deposits, including FanDuel, DraftKings, BetMGM, and Caesars, just to name a few. In comparison, there are relatively few betting sites that accept debit card withdrawals.

Like other payment methods, debit cards have both advantages and disadvantages. A major advantage is its widespread availability, at least for deposits. Another is that instead of borrowing funds to finance your gambling and facing extra charges later, you can only access funds that are already in your bank account. If you have a debit card and would like to use it for online sports betting, first you will need to sign up with a debit card betting site. Then visit the cashier and select debit cards as your payment method.

How Debit Card Online Betting Works in the US

Debit cards are a fast, safe, and reliable banking method that is very popular with sports bettors. They are also easy to use and, unlike e-wallets, do not involve a third-party service.

Debit card deposits at state-licensed online sportsbooks in the US are always free. That is frequently not the case with credit card deposits, which many banks treat as a cash advance. With debit cards, you avoid that problem because you are simply transferring your own money from one account to another.

Debit card betting sites in the US generally accept any of the following three types of debit cards:

This is the simplest and most popular way to use debit cards for online transactions. You can transfer the needed funds instantly and never have to pay an extra fee.

Some online sportsbooks provide their own branded prepaid cards. You can deposit funds into your sports betting account instantly with this type of card as well, but first, if the funds in the sportsbook prepaid card are insufficient, you will need to load the card with funds from another bank card.

These are MasterCard or Visa prepaid cards for a fixed amount. You can use the balance in full or in part to make instant online sportsbook deposits. However, these cards cannot be reloaded.

If you decide to use one of these cards to deposit funds into your online sportsbook account, here are the steps you need to follow:

Online Betting Sites Accepting Debit Cards

DraftKings Sportsbook

4.8/5
  • Minimum deposit $5
  • Sleek and easy-to-use user interface
  • Plethora of betting options
  • Range of regular promotions
  • Limited withdrawal options
  • Needs a better rewards system
Bet $5, Get $150 In Bonus Bets
Play Now

FanDuel Sportsbook

4.7/5
  • Minimum deposit $10
  • Vast coverage of sporting markets
  • Supports ewallets & traditional payment methods
  • Promotions are kept exciting
  • App layout is a bit cramped
  • No NFL live streaming
No Sweat First Bet Up To $1,000
Play Now

BetMGM Sportsbook

4.6/5
  • Minimum deposit $10
  • Plenty of payment methods available
  • Well-designed Android & iOS app
  • In-Game wagering
  • Football live streaming is not available
  • Customer service contact has to go through FAQs
Bet $5, Get $150 in Bonus Bets
Play Now

bet365 Sportsbook

4.5/5
  • Minimum deposit $10
  • Huge welcome free bet
  • Big sport market coverage
  • Easy and fast banking options
  • Few promos for existing players
Bet $1 receive $365
Play Now

Caesars Sportsbook

4.4/5
  • Minimum deposit $10
  • Reliable and user-friendly app
  • Most lucrative first bet promotion in the market
  • Huge market depth and coverage
  • Best rewards program in the industry
  • Experience can vary per state
  • Frequently changing its features
$1,000 First Bet on Caesars
Play Now

Because debit cards are one of the most popular ways to fund an online sports betting account, most state-regulated and licensed online sportsbooks in this country accept them, including all of the major sportsbooks. Here is a brief recap of their many advantages.

There are many debit card betting sites you can choose from, so choose wisely and only do business with legally operating state-licensed and regulated sportsbooks in a state where you have access. The following are our experts’ picks for the top 5 debit card betting sites for US players

🥇FanDuel Sportsbook

Long before the legalization of traditional sports betting in many states, FanDuel was a leading site for Daily Fantasy Sports. FanDuel’s DFS platform is still available where legally permitted, but FanDuel has also become one of the largest and most successful legally operating betting sites in the country for full-scale online and mobile sports betting. FanDuel Sportsbook is currently available in more than 20 states, with more on the way.

Most importantly, FanDuel checks all of the boxes regarding the qualities that savvy sports bettors want to see in a betting site: security, fast and reliable banking, an exceptionally wide range of betting markets and bet types, and lots of bonuses and promotions.

✅Pros

❌Cons

FanDuel Sportsbook

4.7/5
  • Minimum deposit $10
  • Vast coverage of sporting markets
  • Supports ewallets & traditional payment methods
  • Promotions are kept exciting
  • App layout is a bit cramped
  • No NFL live streaming
No Sweat First Bet Up To $1,000
Play Now

🥈BetMGM

BetMGM is another excellent debit card betting site that is very well-known. Due to its stellar reputation and long-established international presence as one of the largest gambling and entertainment companies in the world, the brand is a household name even among those who are new to sports betting. That makes it a popular online gambling choice among inexperienced and experienced gamblers alike. BetMGM is currently available in 20+ states.

BetMGM is rated highly on many important attributes including security, ease of use, a generous sign-up bonus, betting options galore on many sports, and a wider range of supported banking options than what most sportsbooks offer. BetMGM Sportsbook also participates in the highly acclaimed MGM Rewards program, one of the top player loyalty rewards programs in the country.

✅Pros

❌Cons

BetMGM Sportsbook

4.6/5
  • Minimum deposit $10
  • Plenty of payment methods available
  • Well-designed Android & iOS app
  • In-Game wagering
  • Football live streaming is not available
  • Customer service contact has to go through FAQs
Bet $5, Get $150 in Bonus Bets
Play Now

🥉DraftKings Sportsbook

Like its chief competitor, FanDuel, DraftKings got an early start as a leading DFS site but has since expanded its services to become one of the top full-scale sports betting sites in the country. As of this writing, DraftKings Sportsbook operates legally in 24 states, more states than any other US-based licensed and regulated online and mobile sports betting operator.

It is easy to understand why month after month, DraftKings and FanDuel rank neck and neck as the top two betting sites in the country in sports handle and revenue  A high level of security, an extensive enough array of betting markets and betting options, including SGPs and live betting, to satisfy the needs of any player, a generous welcome bonus, and a superior mobile app are some of the reasons.

Yet at the same time, DraftKings caters to small bettors and beginners. It is one of the few online sportsbooks with a $5 minimum deposit, and its comprehensive sports betting guide is second to none.

✅Pros

❌Cons

DraftKings Sportsbook

4.8/5
  • Minimum deposit $5
  • Sleek and easy-to-use user interface
  • Plethora of betting options
  • Range of regular promotions
  • Limited withdrawal options
  • Needs a better rewards system
Bet $5, Get $150 In Bonus Bets
Play Now

🎖️Caesars Sportsbook

While you will not go wrong choosing any of the top 5 debit card betting sites, one that stands out as being practically synonymous with providing quality services for gamblers worldwide is Caesars. This highly successful international conglomerate is one of the world’s leading and most highly respected sports betting and casino games providers.

Caesars Sportsbook is a safe and secure betting site that sports bettors in more than 20 states can access online or via the Caesars mobile app to check lines, place wagers, take advantage of bonuses and promotions, and earn Caesars Rewards. The Caesars Rewards program is one of the top player loyalty rewards programs in the country. On top of having at your disposal a plethora of betting markets and oodles of betting options with favorable odds daily, it is the icing on the cake.

✅Pros

❌Cons

Caesars Sportsbook

4.4/5
  • Minimum deposit $10
  • Reliable and user-friendly app
  • Most lucrative first bet promotion in the market
  • Huge market depth and coverage
  • Best rewards program in the industry
  • Experience can vary per state
  • Frequently changing its features
$1,000 First Bet on Caesars
Play Now

🏅bet365 Sportsbook

bet365, which first entered the US market in August 2019, might not be as familiar to some US sports bettors as the other top debit betting card sites. However, this is no newcomer to the world of sports betting. bet365 has been operating successfully in the UK since 2000 and now has a huge international presence with more than 90 million customers worldwide.

As of this writing, bet365 is only available in seven states, but it should not be long before there are many more. bet365 has proven over the years to be a trustworthy operator that goes above and beyond to offer many ways to win in a safe and secure betting environment. No other online sportsbook offers a wider range of betting markets and betting options.

First-time users can choose between two generous welcome bonuses, and if you are looking for special features like prop bets, SGPs, profit boosts, live betting, live streaming, and early cashouts, bet365 has them all.

✅Pros

❌Cons

bet365 Sportsbook

4.5/5
  • Minimum deposit $10
  • Huge welcome free bet
  • Big sport market coverage
  • Easy and fast banking options
  • Few promos for existing players
Bet $1 receive $365
Play Now

Why We Selected These Debit Card Betting Sites

Because there are so many sports betting sites that accept debit cards, picking one over another is somewhat of a subjective decision. However, after narrowing down our consideration to reputable US-licensed and regulated sportsbooks only, we used the following criteria to determine the five best betting sites:

Some sportsbooks are stronger in certain areas than others. But overall, we are confident that most bettors would find any of the five featured sportsbooks to be an excellent choice.

How to Deposit with Debit Cards at Online Betting Sites

If you have a checking account, you already probably have a debit card linked to that account. If so, make sure that you have sufficient money in your account to cover the deposit. The sportsbook will not charge you extra.

 Otherwise, you have three choices:

As with any other payment method at US sportsbooks, before you can use a debit card, you need to be a registered player. Opening an online sportsbook account, if you do not already have one, is a quick and easy process, especially if you use our convenient link to sign up with any of the five top debit cards betting sites. As a new player, you will also be eligible for a special sign-up bonus.

Keep in mind that to bet legally at any state-licensed sportsbook, you must be at least 21 years of age and have a verifiable name, address, date of birth, email address, and phone number. Sportsbooks in many states are also required to use an extra measure of security called two-factor authentication to further ascertain that you are who you say you are. In addition, while you do not necessarily have to live in the state where you wish to bet, you must be physically present in that state when placing your bets.

If you decide to fund your account with a bank-issued debit card, make sure that the name on the card matches the name on your application, that the card is not expired, and that your checking account has sufficient funds. Otherwise, the transaction will be declined.

Minimum and Maximum Deposit Limits

The minimum deposit at most US online sportsbooks is $10, with a few exceptions. For example, DraftKings accepts $5 deposits, while Caesars requires a minimum deposit of $20.

Maximum deposits with debit cards are quite high compared to some other methods and way above the average deposit amount of most bettors. For example, at bet365 Sportsbook, the maximum amount for both deposits and withdrawals with a debit card is $30,000. Players wishing to deposit $2,500 or more should still check with the sportsbook first to make sure they do not exceed the maximum.

How to Withdraw from Debit Card Betting Sites

Besides relying on e-verification software to verify your identity, which only takes a few minutes, the sportsbook might also ask you to upload supporting documentation such as a copy of a government-issued photo ID card. This request might be made during the sign-up process but is more likely before approving the first withdrawal.

While not all sportsbooks that accept debit card deposits also allow them for withdrawal, that is not a problem. When not allowed, alternative withdrawal methods such as PayPal, ACH (e-checks), online banking, or cash at the cage can be used instead. Log into your account online or on your mobile device, go to the Cashier or My Account, and click on Withdrawal. Then select one of the allowed methods and the amount, and click on Submit.

Withdrawal Processing Times

Unlike deposits, which get credited to your online sports betting account instantly, withdrawals with most methods, including debit cards if allowed, are not instantaneous and can take anywhere from 24 hours to up to several business days to process. This is particularly true with the first withdrawal or when a very large withdrawal is requested. However, sportsbooks that accept debit card withdrawals require using the same debit card for your last deposit. This should save considerable time in getting your request approved since the sportsbook already has the deposit information stored for the same card.

Fees and Charges when Betting with Debit Cards

Sportsbooks do not charge fees for betting with debit cards. However, if you use a credit card to load a sportsbook Play+ Card, you may be assessed a fee. Likewise, after receiving a withdrawal back to your debit card or Play+ card, if you use the card to get cash from an ATM, you will be charged. Try to avoid using ATMs at a casino or sportsbook because the fees are especially hefty.

Tips for Managing Your Bankroll on Debit Card Betting Sites

It is easier to practice good money management with a debit card than with a credit card since it is impossible to bet with money you do not have. However, you can still run into problems if you are not careful. Here are a few helpful money management tips to keep in mind.

Minimum deposit

Make sure that the available balance on your card is sufficient for the deposit you wish to make. The amount of your deposit must be for at least the sportsbook’s minimum. The minimum deposit of $10 ($5 at DraftKings) should be within the budget of even the smallest bettors.

Bonus

When making your first deposit, be sure it is at least the minimum to qualify for a sign-up bonus, which might be more than the sportsbook’s minimum deposit. However, avoid the temptation to deposit and bet more than you can afford just to be eligible for a bigger bonus.

Responsible Gambling

Using a separate debit card exclusively for sports betting is a great tool not only to better track those expenses but also to keep them separate from your other expenses. Otherwise, set a weekly and monthly budget and make sure you leave enough money in your debit card account for your basic living expenses. Also, take advantage of the sportsbook’s Responsible Gambling tools to set daily, weekly, or monthly deposit and spending limits.

Pros and Cons of Using Debit Cards for Online Betting

✅Advantages❌Disadvantages
SecurityDebit cards are not always accepted for withdrawals.
Instant deposits and relatively fast withdrawalsWithdrawals are not immediate.
Free to use
Less likely than credit card transactions to be declined
Less temptation to overspend than with some other payment methods

Alternatives to Betting with Debit Cards in the US

The following are three popular and equally secure alternatives to debit cards that might be a good payment option instead.

FAQs

  • Is it safe to use debit cards at online sportsbooks?
    Yes, Visa, MasterCard, and Discover debit cards are a safe way to deposit funds at reputable US betting sites that accept them. However, only do business with trustworthy sportsbooks that are licensed to operate in your state. Also, do not share your debit card or account details with anyone.
  • What is the minimum deposit with a debit card at a US sportsbook?
    The minimum deposit with a debit card at most US sportsbooks is $10. However, it can be either less (i.e., $5 at DraftKings) or more (i.e., $20 at Caesars).
  • Are there extra fees associated with using a debit card at an online sportsbook?
    No, you should be able to complete all of your sportsbook debit card transactions free of charge. However, after requesting a withdrawal from your sports betting account back to your debit card, if you withdraw the cash at an ATM, you will be charged a fee.
  • Why are debit cards a better sportsbook payment option than credit cards?
    Debit cards are a better payment option than credit cards because they are much less likely to be declined. In addition, you not only save money by avoiding cash advance fees and interest charges, but you are less likely to overbet your bankroll.
  • Why was my debit card deposit declined?
    Typically debit card transactions are not declined at debit card betting sites, but it does happen occasionally. Sometimes it is due to state regulations or the policy of the issuing bank not to allow any transactions for gambling purposes. In other instances, the information on the card does not match the information given to the sportsbook during registration or the card has expired or has insufficient funds to cover the transaction.
AUTHOR
Alex Windsor

Alex is the Head of Content here at Minimum Deposit Betting Sites, leveraging his immense experience in the sports betting and iGaming industry to steer the boat and make sure all of our content is up to par and of the best possible quality.