Best Sweepstakes Casinos Accepting Credit Cards In 2025 💳

Sweepstakes casinos are becoming more popular by the day. With that growth in popularity comes a spike in the variety of payment methods they accept. One payment method, however, has long been standard at the vast majority of sweepstakes casinos: credit cards. Almost every single one of our recommended sweepstakes sites accepts credit cards as a form of payment. While they aren’t accepted for redemptions, credit cards remain one of the easiest and fastest ways to purchase Gold Coins (or equivalent currency). This guide will tell you everything you need to know about credit card payments at sweepstakes casinos, including the best sites that accept them.

Our top picks of casinos accepting credit cards

🍏Basic 101 on how it works

If you’ve ever made an online purchase with a credit card, the process for buying standard currency at a sweepstakes casino will feel super familiar to you. There’s no extra setup to deal with; just select your purchase package, plug in your card info, and complete the purchase. As an added benefit, many sites allow you to save your card info to make future purchases even faster.

There’s no upfront setup for credit card purchases, making them a more convenient option than methods like Skrill or ACH, at least in the short term. As long as you have your card handy, entering the details will be easy and swift.

In short, credit card purchases are speedy and simple at sweepstakes casinos. They’re also widely accepted, making them convenient in a way other payment methods are not. The only major thing to look out for is which card providers are accepted. VISA and Mastercard are the most common, while American Express and Discover tend to be hit-or-miss.

👍 What we like about credit cards

Credit cards come with a lot of positives at sweepstakes casinos. First and most prominent? Their wide availability. Think of any sweepstakes casino, and chances are, they accept VISA and Mastercard at the very least. There’s also a handful of sites that accept Discover and/or American Express, padding out the available options. This saves you the trouble of setting up a separate payment account (say, with Skrill) and connecting it. You can jump right into the sweepstakes site with your existing card details.

Speed and convenience are also big positives for credit cards. You don’t need to worry about long wait times or processing windows. Credit card purchases go through instantly, putting the Gold Coins in your account from the jump. There are minor exceptions to this rule, which we’ll cover in the next section.

Another big advantage is that you can sometimes earn rewards on your sweepstakes purchases. If you’re using a cashback or travel points card, those Gold Coin packages could translate into perks outside the casino. It’s not a reason to overspend, of course, but it’s a nice “cherry on top” when you’re already planning to buy a package. Just double-check how your card codes these transactions, since some issuers might classify them differently.

Overall reliability is another huge selling point for credit cards. They add an extra layer of security to your purchases, especially when issuers offer zero-liability protection on fraudulent purchases. Obviously, that’s a worst-case scenario, but it’s nice to have a safety net attached to your purchase option.

👎 Why we would choose an alternative option

While they come with a ton of positives, credit cards have drawbacks too. The major one is that they can’t be used for redemptions. You can’t redeem SC prizes to a credit card. Instead, you’ll have to choose an alternative method like ACH or gift cards, depending on what the sweepstakes casino offers.

Another issue to look out for is the possibility of declined charges. Some credit card companies are overly vigilant when it comes to gaming-related purchases, and that vigilance extends to sweepstakes casinos. You can usually resolve this with a call to your provider, but it’s still inconvenient.

You should also keep an eye out for cash advance charges. They aren’t incredibly common, but they can happen with sweepstakes casino purchases. If your card is charging these fees on your purchases, you’re better off with a different payment method.

A final note here is budgeting. Credit cards make it easy to spend money you technically don’t have. If you’re someone who prefers to set a strict entertainment budget, debit cards, prepaid cards, or ACH might be better options. It’s not a flaw in the payment method itself—it’s just something to be mindful of. Sweepstakes casinos are supposed to be fun, and staying within your budget keeps it that way.

🏆 Top sweepstakes casinos accepting credit cards

Looking for the best sweepstakes sites that take credit cards? Look no further than our top list.

🎇 WOW Vegas

WOW Vegas is a slots-focused casino with a bevy of payment options, including credit and debit cards. The site is also renowned for its incredible array of daily promotions for SC and WOW Coins. WOW Vegas accepts all four major creditors: VISA, Mastercard, Discover, and American Express.

Signup bonus: 250,000 WOW Coins and 5 free SC
Minimum purchase: $0.49
Minimum redemption: 100 SC for cash prizes, $25 SC for gift cards
Alternative banking: Google Pay, Apple Pay, Skrill, Trustly

🤝 Hello Millions

The first thing you’re likely to notice about Hello Millions is its incredible art style, reminiscent of comic books and pop art. It carries that theme throughout, all the while offering hundreds of excellent games from trusted providers. Hello Millions accepts VISA, Mastercard, and Discover.

Signup bonus: 15,000 GC and 2.5 free SC
Minimum purchase: $1.99
Minimum redemption: 50 SC for cash prizes, $10 SC for gift cards
Alternative banking: Apple Pay, Google Pay, ACH

👑 Crown Coins

Crown Coins is true royalty in the sweepstakes gaming space. The site has a ton of amazing slots. It also runs rotating promotions for all players, including special missions for big prizes. Look out for these themed promotions and use your credit card purchases to reach your goals. Crown Coins accepts VISA, Mastercard, and American Express.

Signup bonus: 100,000 Crown Coins and 2 free SC
Minimum purchase: $1.99
Minimum redemption: 100 SC for cash prizes, $50 SC for gift cards
Alternative banking: Apple Pay, Google Pay, Skrill

🏅 RealPrize

Combining RealPrize’s bonuses, the first purchase bonus and signup bonus can yield a prize of up to 350,000 GC + 52 SC. That’s a great way to kickstart your experience with a credit card or one of the site’s many other accepted payment methods. RealPrize accepts purchases via VISA and Mastercard.

Signup bonus: 100,000 GC and 2 free SC
Minimum purchase: $1.99
Minimum redemption: 100 SC for cash prizes, $50 SC for gift cards
Alternative banking: Apple Pay, Google Pay, Skrill

🍔 McLuck

McLuck’s opening bonus is small, but it makes up for that meager offer with an incredible array of promotions and features for players. McLuck has one of the best mobile apps in the business, sitewide jackpots, and frequent challenges for big prize pools. McLuck accepts VISA, Mastercard, and Discover.

Signup bonus: 7,500 GC and 2.5 free SC
Minimum purchase: $9.99
Minimum redemption: 75 SC for cash prizes, $10 SC for gift cards
Alternative banking: Google Pay, Apple Pay, Trustly

📳 How to purchase Gold Coin packages using a credit card

The first step to making a purchase with a credit card is, of course, having a credit card. Whip out your wallet and have the card ready to make a purchase. Then follow these steps to buy GC and get some free SC using your credit card.

Log in to your Sweepstakes casino account.
Head to the Coin store and peruse the options.
Select the Gold Coin package you wish to purchase and click on it.
Choose credit/debit card as your payment option.
Plug in your credit card info: number, name, expiration date, and security code.
Complete the purchase.

Your coupons should hit your account right away. And remember, once you make a purchase using a credit card, most sweepstakes sites will let you save it for faster purchases in the future.

Cole Rush

Always double-check you’re on the official site or app before entering card details. Sweepstakes casinos are safe, but phishing sites can try to imitate them. Bookmark the correct URLs and only use official app store downloads.

Purchase minimums and limits

Sweepstakes casinos never outright require purchases. If they do, they are not operating within the sweepstakes rules that govern them. Instead, purchases are entirely optional. Making a purchase will come with certain perks, of course.

If you choose to make a purchase, there will be a minimum depending on the Gold Coin packages offered by the casino. For example, some sites have the lowest-priced package at $0.99 while others offer a $5 package as their cheapest option. In other words, it’s the lowest-valued package that determines the minimum purchase, and it’s always subject to change as a sweepstakes casino updates its offering.

Do note, however, that sweepstakes casinos tend to make larger purchases more valuable overall. For example, you might get more bonus SC for free with a $50 purchase than with a $20 purchase. Plus, you can keep an eye out for special boosted offers like McLuck’s 150% first purchase deal or LuckyLand Slots’ 66% boost.

Also note that many sites cap the maximum you can purchase in a single transaction, often around $300–$500. High rollers can make multiple purchases, but casual players rarely bump into those limits. Sweepstakes casinos sometimes impose daily or monthly spend caps for responsible play, which is another layer of protection.

How to redeem real cash prizes using credit cards

You can’t redeem prizes using a credit card. This is true across all sweepstakes casinos, so you won’t find the option anywhere. Credit cards are strictly available for purchases only. This means you have to choose a separate option for redemptions. The most common options are ACH/bank transfer and gift cards.

Before you can redeem, you need to be sure you’ve done a handful of things. First, confirm the site is allowed in your state (if it isn’t, you won’t be able to redeem. Second, complete verification, which is separate from and more rigorous than initial sign-up. It’s used to confirm your age and identity. Finally, meet the playthrough requirement on any SC you wish to redeem. Most sites offer a low 1x requirement.

Redemptions also have a frequency cap. Many sites only let you process one redemption request at a time, or one every 24–48 hours. That’s perfectly normal, but it’s worth knowing ahead of time so you’re not surprised by the limit.

Payout speed and limits

Payout speeds and minimums vary by sweepstakes casino. The speediest option is usually a gift card, and those also come with the lowest minimums. McLuck and Hello Millions are known for their low minimums of 75 SC (cash prizes via ACH) and 10 SC for gift cards.

Bank transfers tend to be processed within 3 to 10 business days. Your first redemption is likely to take the longest, while subsequent requests may have a shorter wait time.

Gift card redemptions are usually completed within 48 to 72 hours.

The conversion rate for SC to prize money is usually 1 SC for $1. Some sites inflate their numbers by making bigger increments of SC worth $1. For example, a sweepstakes casino may give you $1 for every 100 SC. While the numbers vary, the idea remains the same. You’ll just earn more SC despite the redemptions being of the same value.

Another thing to be aware of is redemption caps. Some sites let you redeem up to $10,000 at once, while others set the max much lower. If you hit a big jackpot, expect to redeem in chunks. That’s standard procedure, not a sign of anything shady.

Alternative payment methods to credit cards

👉 Casinos accepting Google Pay

Google Pay is another way to pay at many sweepstakes casinos. It’s fast and secure, but it’s only available on Android devices. If you’re an iOS user, consider Apple Pay as an alternative.

Best sites: McLuck, Chumba, LuckyLand Slots

👉 Skrill Sweepstake Casinos

Skrill is an e-wallet service akin to PayPal. It allows you to fund certain sweepstakes casino accounts with ease and security. However, Skrill occasionally charges fees, so keep that in mind. It’s also not available at every site.

Best sites: Mega Bonanza, Chumba, LuckyLand Slots

👉 ACH/Online Banking Sweeps Casinos

ACH payments have the distinct benefit of also being a redemption method. If you buy Gold Coins with a bank account, you can request a redemption to the same method. This is a nice perk that prevents you from having to connect two separate payment methods.

Best sites: RealPrize, LuckyLand Slots and Crown Coins

Conclusion and final thoughts

Credit cards are among the simplest and easiest payment methods to use at sweepstakes casinos. They are widely available, quick to process, and secure. They have some drawbacks, though, such as occasional declined charges and a lack of redemption access. Even so, they’re an easy go-to for sweepstakes casino players.

If you’re just starting out with sweepstakes casinos, credit cards are the most natural place to begin. You’ll have near-universal acceptance, instant transactions, and a system you already understand. Just make sure to pair your credit card with a redemption option like ACH or gift cards so you’re ready when it comes time to cash out.

FAQ

Can I use a credit card to withdraw winnings?

No. Credit cards are only available to use for purchases at sweepstakes casinos. You will need to redeem prizes via a different method, such as Skrill, online banking, or gift cards.

Which sweepstakes casinos accept credit cards for purchases?

Pretty much any sweepstakes casino worth your time will accept credit card payments. WOW Vegas, McLuck, Chumba Casino, and Hello Millions are among those that accept credit cards.

Are credit cards safe to use?

Yes. Credit cards are commonly accepted and safe to use at sweepstakes casinos. You have the added safety net of contacting the card issuer if you run into any issues while using it for sweepstakes casino purchases.