The best online casinos for US players excel in multiple areas, such as reliable payments, high-paying games, and enticing bonuses. There’s just one important thing—knowing how to find the top online casinos that pay out the most.
The best online casinos can change as different operators up their game. Here are the current top 10 online casinos in the USA based on our recent research.
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From our top 10 online casino sites we picked 5 that are best-ranked in terms of banking options and withdrawal times.
| Casino | Withdrawal Time | Payment Methods |
| 1. Wild Casino | 0-24 hours | Bank wire, check, crypto, money order, Person2Person |
| 2. Raging Bull | 24-48 hours | Bank wire, crypto |
| 3. BetWhale | 24-72 hours | Bank wire, crypto |
| 4. Discasino | 24-72 hours | Bank transfer, crypto |
| 5. CoinCasino | 0-12 hours | Crypto |
You’re more likely to rack up winnings and get paid when choosing high-paying online casino games. You don’t have to put much work into finding these games either. Let’s go over some simple factors that’ll help you maximize your chances of winning at the best online casinos that payout.
Even with a high RTP, you’re still facing a slight disadvantage because online casinos always hold the edge. The goal, though, is to find high-paying games within your favorite categories and give yourself that extra inch.
Do you like online blackjack, for example? Then look for blackjack variations that pay better than others.
Standard RTP for online slots ranges between 95% and 96%. Ideally, you’ll look for slots that pay over 96%.
This mission can be tough at the best USA online casinos because you won’t have access to as many games and developers as European customers. However, we’ve still managed to find slots that pay well in the US-friendly market.
You won’t notice a dramatic difference in the short run when playing online slots with high RTP. Most slot games have wild volatility compared to the average table game. You’ll feel the difference over weeks or months, though, if you’re a regular slots player.
We’ve established that higher RTP is better, but where do you start your search? Here are 5 high-paying games that are available at the best online casinos for US players.
| Game | RTP | Where to Play |
| Gold Rush Gus | 98.48% | Raging Bull |
| Stones and Bones | 97.30% | BetWhale |
| Merge Up | 97.25% | Wild Casino |
| Jungle Stripes | 97.03% | Bet Online |
| Chameleon Crush | 96.48% | BetWhale |
Table games don’t usually offer the jackpot potential of slots, but most have higher RTP. You can enjoy over 98% payback with several types of table games.
The catch is that you must know the correct strategy and bets to achieve these high payout percentages. For example, the difference between the baccarat banker bet (98.94% RTP) and the tie wager (85.64%) is massive.
You also need to be careful when using bonus funds on tables. Even the best online casinos exclude certain table games or severely reduce their contributions to wagering requirements (e.g., 10% contribution vs. 100% for slots). We suggest looking closely at the terms behind online casino bonuses.
While the bonus situation may be a downside, table games are still worth playing due to their high payout percentages. You can see how well they pay below.
| Game | RTP | Where to Play |
| Blackjack | 99.5% or even higher | CoinCasino |
| Baccarat | 98.94% (banker bet) | Discasino |
| French roulette | 98.65% (even-money bets) | Wild Casino |
| Craps | 98.64% (don’t pass line bet) | CoinCasino |
| European roulette | 97.30% | BetWhale |
Live dealer games bring the excitement of a real casino right to your screen. They’re not just fun but also offer some of the best payout percentages around. With live dealers and real-time gameplay, they’re a great choice if you’re looking for an immersive and rewarding experience.
That said, achieving the advertised RTP often requires optimal play. For instance, knowing when to split or double down when playing Vegas Strip at live blackjack sites can mean the difference between playing at a 99.65% RTP or much lower. Similarly, choosing bets wisely in Lightning Roulette, such as focusing on straight-up numbers with multipliers, adds both excitement and payout potential.
When it comes to bonuses, live dealer games can be tricky. Many casinos either exclude live dealer games from bonus contributions or assign them very low percentages. For example, you might find that they contribute just 10% toward wagering requirements compared to slots’ 100%. Always check the bonus terms before diving into live games.
Despite these nuances, live dealer games remain some of the most rewarding options for real-money play. Below are some standout games, their RTP percentages, and the casinos where you can find them.
| Game | RTP | Casinos |
|---|---|---|
| Vegas Strip Blackjack | 99.65% | Black Lotus |
| Lightning Roulette | 97.3% | CoinCasino |
| Speed Baccarat | 98.94% | Discasino |
| Crazy Time | 96.08% | CoinCasino |
Our experts go through a lengthy process when researching and finding the best casinos online. Each reviewer places special importance on the steps covered below before recommending an operator. You might consider using our process when doing your own research on the best casino sites.
So, take a look at the most important features we take into consideration when reviewing the best payout online casino sites:
When exploring your options you should pay attention to two things.
Both of these can be an indicator that you’ve found a good real money casino online. Also, the games you will find at any best casino online include:
Game selection is relevant to finding the best USA online casinos for two reasons:
The best online casinos aren’t afraid to give you a realistic shot at withdrawing bonus winnings. They offer promotions with fair terms and conditions, including reasonable wagering requirements, max bets, and game contributions. There are certain factors to consider when choosing a fair casino bonus; let’s look at the important ones:
Reliable online casinos make it easy to find all of this information. We visited the promotions page, clicked on terms and conditions, and found all the relevant details for you. Compare the factors to other casino offers and choose the one that suits your gaming style and strategy best.
| Casino | Bonus Amount | Rollover Requirement | Payout Conditions | Max Cashout |
|---|---|---|---|---|
| Wild Casino | 100% up to $5,000 | 30x for Slots, 40x for Table Games | 100% on Slots, 10% on Table Games | $100,000 max |
| CoinCasino | 150% up to $2000 | 30x for Slots, 35x for Table Games | 100% on Slots, 50% on Table Games | No Max Cashout |
| Raging Bull | 200% up to $2,500 | 40x for Slots, 60x for Table Games | 100% on Slots, 25% on Table Games | $2,500 max |
| BetWhale | 250% Bonus | 40x for Slots, 45x for Table Games | 100% on Slots, 20% on Table Games | $2,500 max |
Top online casinos must offer reliable and fast banking options to earn our recommendation. Crypto is the most popular option at fast payout casinos because it delivers funds within a few hours or less. Of course, this is once the casino processes internally.
Bank wire can be a pretty good withdrawal option at the right casino. For example, some of the best real money online casinos send wires in 5-7 days. So yes, it’s secure, but you will have to wait.
Besides considering fast casino payouts, you should also make sure that a gaming site protects its website and player funds. Check for a padlock in the address bar to verify that a casino website is encrypted. This encryption is a security measure that prevents hackers from getting into your account and withdrawing your funds. So as you can imagine, it’s essential.
We like checking player opinions when conducting reviews. Our goal is to find legit opinions and real experiences. Of course, we also discard complaints by players who seem angry over losing while crying rigged games.
Our experts have their own experiences with playing at gaming sites. These experiences help them recommend the best paying online casinos versus dicey operators that take weeks to deliver funds.
Licensing is also important when finding the best online casinos. It shows that a gaming site has gone through a vetting process and operates in a legit jurisdiction. For instance, Gaming Control Anjouan is a popular licensing jurisdiction for top online casinos serving US players.
For more information on what to look for to ensure a casino is safe and trusted, check out our page on safe online casinos.
Demo play lets you try slots, blackjack, roulette, and more before depositing and placing bets. Unfortunately, not all casinos offer demos, which for some people may be a deal-breaker. That’s because you shouldn’t have to risk money to test new games.
The best casinos online don’t have this issue because they let you play for free. You’ll need to register for an account at some gaming sites before trying demos. Others let you play for free immediately even without an account. Then there are others that will give you some additional site credit on the form of a bonus to test games.
You’ll find multiple withdrawal options at the best online casinos. This lets you choose the payment method that meets your must-haves for speed, usability, and fees. Let’s take a quick look at the payout options at top online casinos.
Credit and debit cards are an easy and familiar method for withdrawing funds, but not all casinos offer them. If available, withdrawals are typically fast, but some casinos charge fees, and many US casinos do not accept card withdrawals.
eWallets like PayPal and Neteller provide quick payouts, often within 24 hours. However, they are not always available at US-based casinos, and they come with a fee of around 3% for withdrawals.
Crypto offers the fastest payouts, often within minutes, and with lower fees than traditional payment methods. However, it requires you to have some knowledge of cryptocurrency wallets and transactions.
Bank wires are secure but take significantly longer than other methods, often requiring up to 10 business days. They also come with higher fees, usually starting at $25 per transfer.
Offshore casinos are those that hold licensing and operate outside of the US. Some of them legally serve American players from jurisdictions like Panama and Anjouan (Comoros).
You may wonder if there are advantages to playing at gambling sites based offshore versus those serving individual states (e.g., Michigan, Pennsylvania). Let’s discuss the key benefits of the best payout online casinos.
Sites based offshore are the only online casinos that offer crypto payouts. A cryptocurrency payment normally arrives in 0-1 hours after processing—you can’t do much better than that.
Casinos operating in specific states often pay out via web wallets, credit cards, and bank transfers. While these banking options can deliver money within 24 hours, they’re not normally as fast as crypto.
The typical offshore site features 500 games or more, versus 200-400 for the average state-based gaming site. This larger selection naturally leads to more casino games with high RTP. You’ll find plenty of online slots with over 96% payback and table games with 97-99% RTP at these casinos.
You can look forward to significant bonuses at casinos based outside the US. For instance, Wild Casino features a welcome package worth up to $5,000 and 125 free spins. Many of these casinos offer other promotions, such as cashback, reload deposit bonuses, and leaderboard races.
Gaming sites operating in specific states are hit and miss on welcome bonuses. Most also have limited promos beyond the sign-up offer.
Offshore sites operate under broad licensing that lets them serve many jurisdictions. Looking at the US, the best online casinos often provide real money games to 40-45 states. This means you can find casinos in California and plenty of other states with no locally regulated market. This range improves the chances that you can play in your home state and on the road.
The alternative is picking one of the online casinos based in individual states. These operators use geolocation technology to ensure that you don’t play outside of state limits.
Currently, only seven states licensed online casinos, Connecticut, Delaware, Michigan, New Jersey, Pennsylvania, Rhode Island, and West Virginia.
Take a look at the table below to see which states have state-regulated online casinos and where you can access offshore options.
| State | Real Money Casinos | Offshore Casinos |
| Alabama | ❌ | ✅ |
| Alaska | ❌ | ✅ |
| Arizona | ❌ | ✅ |
| Arkansas | ❌ | ✅ |
| California | ❌ | ✅ |
| Colorado | ❌ | ✅ |
| Connecticut | ✅ | ✅ |
| Delaware | ✅ | ✅ |
| Florida | ❌ | ✅ |
| Georgia | ❌ | ✅ |
| Hawaii | ❌ | ✅ |
| Idaho | ❌ | ✅ |
| Illinois | ❌ | ✅ |
| Indiana | ❌ | ✅ |
| Iowa | ❌ | ✅ |
| Kansas | ❌ | ✅ |
| Kentucky | ❌ | ✅ |
| Louisiana | ❌ | ✅ |
| Maine | ❌ | ✅ |
| Maryland | ❌ | ✅ |
| Massachusetts | ❌ | ✅ |
| Michigan | ✅ | ✅ |
| Minnesota | ❌ | ✅ |
| Mississippi | ❌ | ✅ |
| Missouri | ❌ | ✅ |
| Montana | ❌ | ✅ |
| Nebraska | ❌ | ✅ |
| Nevada | ❌ | ✅ |
| New Hampshire | ❌ | ✅ |
| New Jersey | ✅ | ✅ |
| New Mexico | ❌ | ✅ |
| New York | ❌ | ✅ |
| North Carolina | ❌ | ✅ |
| North Dakota | ❌ | ✅ |
| Ohio | ❌ | ✅ |
| Oklahoma | ❌ | ✅ |
| Oregon | ❌ | ✅ |
| Pennsylvania | ✅ | ✅ |
| Rhode Island | ✅ | ✅ |
| South Carolina | ❌ | ✅ |
| South Dakota | ❌ | ✅ |
| Tennessee | ❌ | ✅ |
| Texas | ❌ | ✅ |
| Utah | ❌ | ✅ |
| Vermont | ❌ | ✅ |
| Virginia | ❌ | ✅ |
| Washington | ❌ | ✅ |
| West Virginia | ✅ | ✅ |
| Wisconsin | ❌ | ✅ |
| Wyoming | ❌ | ✅ |
The best online casinos typically pay out at high daily and weekly limits. For example, Bovada lets you withdraw $9,500 per Bitcoin and Litecoin transaction. You can cash out a total of $180,000 and $90,000 per week with BTC and LTC, respectively.
Some state-based casino sites offer large cashouts for bank transfers, but you may have to be at a certain VIP level for significant withdrawals.
Many gaming sites have one or more licenses. We’ve mentioned a few offshore licensing bodies, including Anjouan and Panama. Others that oversee the best online casinos include Antigua, Costa Rica, and Curaçao.
It goes without saying that a licensed casino instills more trust because it must operate within the rules of its given jurisdiction. Some licensing authorities even require casinos to undergo third-party game testing.
It’s also worth noting how a casino handles your personal data. For example, the best Inclave casinos have a login process that offers an added layer of security so your information is protected.
Now let’s take a look at the top 10 online casino sites by state. Here are our recommendations:
The best Arizona online casino for real money is Wild Casino. They can claim generous welcome offer and explore available live dealer games.
When it comes to Texas online casinos the best one to consider is BetWhale. With a great selection of table game, this operator is ideal for blackjack and baccarat enthusiasts.
The best Nevada online casino is Raging Bull. With weekly cashbacks and crypto payments, this gambling site is ideal for online players.
Ignition Casino is the top online casino in California can explore. It offers various casino bonuses and a great selection of slots from trusted providers.
Players who are looking for best online casinos that payout in New York should consider joining Black Lotus. With crypto bonuses and ongoing fiat promotions, this operator will suit different types of players.
In our opinion the best real money online casino in Florida is CoinCasino. With this operator, they can explore different casino games with crypto currencies.
Players in New Mexico can visit BetOnline and claim their welcome offer. They can also make deposits with crypto and join the VIP program.
The best choice for Iowa players is TG.Casino. In our opinion, the daily missions together with ongoing tournaments will keep any player keep coming back for more.
Even though there are many good options on our top 10 online casino list, our choice for Wisconsin players is DisCasino. With no verification sign up and numerous cryptos available for deposits, it’s one of the best casinos online.
New Hampshire players can join any of the top online casino sites from our list, but with BigDollar, they will have access to numerous ongoing bonuses but also the possibility to join VIP crypto elite club.
There are a wide variety of online casino sites available in the United States, each offering different experiences and features. With such a diverse landscape, it’s important to understand the different categories of online casinos available to players. Below are some of the key types of online casinos in the U.S. that cater to various player preferences:
It’s important to pick a top online casino to enjoy the perks of reliable payments, helpful customer service, high-paying games, and worthwhile bonuses.
You might use the tips we covered to find the best online casinos on your own. Or you can take a shortcut by considering our picks, including Wild Casino, Raging Bull, BetWhale, Discasino, and CoinCasino. These offshore casinos are widely available across many states and offer large bonuses to new players.
Whether you take our advice or look for casinos on your own, the key is to ensure you find reliable gaming sites that always payout.
Playing at the best online casinos in the USA should always be fun and worry-free. To help you stay in control and enjoy a secure experience, we’ve put together a list of trusted organizations that offer guidance, support, and oversight in the gambling world.
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