Overview of American Express Casino Payments in the United States

Believe it or not, American Express was essentially a courier when it was founded way back in 1850. Of course, the company is now mainly known for offering financial services. In particular, the American Express credit card and its popular slogan: “Don’t leave home without it”.


AMEX became one of the first American credit card providers in 1958 when it started giving Americans the ability to purchase goods and services now, and then pay for them later. As of 2021, it was estimated that over 121 million people from all over the world use AMEX as their payment option. That includes about 56.4 million Americans.


AMEX is one of the most popular payment options at American gambling sites. According to the company, about 99% of all American merchants who accept credit card payments accept AMEX. This tutorial will cover everything you need to know about using this preferred payment method at online casinos.

AMEX Summary

AMEX is one of the most popular payment options at American gambling sites. According to the company, about 99% of all American merchants who accept credit card payments accept AMEX. This tutorial will cover everything you need to know about using this preferred payment method at online casinos.

Other Casino Payment Methods

Online Casinos that Accept AMEX

How Does American Express Work?

The concept behind AMEX and other credit cards is very straightforward. It gives users the ability to buy products and avail themselves of services right now, and then pay for them at a later date.


For instance, you can use it to deposit funds at your favorite gambling site. The company pays the casino directly and then sends you a bill that you have to pay off. Even though some cards require users to settle their bills at the end of every month, most of them let you gradually pay the balance off in affordable installments.


We will now explain how to use American Express to play real-money casino games at your favorite gambling site. If you are looking for a reputable casino to join, we suggest you start by checking our in-depth expert reviews. They provide you with volumes of helpful information and even give you access to some of the most generous bonus offers on the planet.


Get an AMEX Card

If you already have an AMEX card, then you can skip over this section and move on to the next one. If you don’t have one, then you’ll need to apply for one online or by visiting your bank. The application will require you to provide some personal details as well as financial information such as your annual salary. If your application is approved, you’ll receive your AMEX along with a credit limit that’s in line with your financial situation. You might have a small limit, or it might be very high.


Find Trustworthy Online Casinos

Now that you have your AMEX card, you are ready to sign up at one of the many gambling sites that accept it. Again, we urge you to check out our reviews to help you find the best one for you.


It behooves you to only play at a real-money gambling site that is licensed by a reputable regulator such as one of the many state regulators like the New Jersey Division of Gaming Enforcement, the Pennsylvania Gaming Control Board, and the New York State Gaming Commission. Those who want to play at an American-friendly foreign site should look for licenses from the likes of the UKGC, Isle of Man, or the government of Gibraltar.


This is important because licensed online gambling sites are required to operate to the highest standards. The regulator has the authority to suspend or even revoke a gambling license if the betting company doesn’t tow the line.


On the other hand, unlicensed operators don’t have to abide by any code of conduct. They are not subject to oversight and they can operate with impunity. There is next to no recourse if you have a beef with an unlicensed site that treats you unfairly.


Deposit Funds

Now that you have an AMEX card and have chosen a reliable online casino, it’s time to fund your account. Before you do this, you should first find out how to claim the site’s welcome bonus. Some operators ask you to claim your bonus before depositing while others have you claim it as you are making your deposit. At any rate, start by logging into the gambling site and going to the banking section where you can select the “Deposit” option.


The deposit form is easy to figure out. Simply enter the amount you want to deposit, choose AMEX as your preferred payment method, and then enter the required card details. Again, you may be asked to select your welcome bonus at this point. As soon as you have submitted the deposit form, the funds should be instantly credited to your casino account. This means you can start enjoying your online casino experience immediately.


Withdraw Your Winnings

With a little bit of good fortune, you will be in a position to cash out your winnings. This process is almost identical to depositing. The biggest difference is that you select “Withdraw” in the banking section instead of “Deposit”. You then enter the withdrawal amount and choose AMEX from the list of available payment options.


Once you have submitted the withdrawal, the operator will process it. This can take anywhere from minutes to a couple of days depending on the gambling site. After the casino has processed the payment, it will then go to American Express who will process it and disburse the money to you. You can expect to wait an average of two to five business days to gain access to your money.

Top 5 AMEX Casinos Online in The United States

The sheer amount of casinos offering AMEX payments can be overwhelming. Therefore, we have picked out the 5 best casinos that offer this payment method in The United States.

Is American Express Safe for Gambling Online?

Not only is American Express safe and secure, it is, in fact, one of the safest and most secure payment options available. Modern credit cards like AMEX are loaded with security features like CVVs, two-factor authentication, magnetic strips, and microchips that are incorporated right into the card.


Even if somebody managed to put unauthorized charges on your card, AMEX’s Zero Liability policy means that you aren’t liable for those fraudulent charges. Few other payment methods offer so much customer protection.


It’s worth noting that we advise Americans to only use AMEX at sites that display DSS PCI certification. This means that the operator adheres to the payment industry’s highest security standards.


Pros and Cons

There are pros and cons to any payment platform. While AMEX does have its downsides, the upsides of using AMEX casinos greatly outweigh the drawbacks. Here are a few of the main pros and cons of using this payment method.


  • Instant deposits
  • Safe and secure
  • AMEX deposits usually qualify for bonuses
  • Widely accepted payment option
  • Higher limits than many other methods like most eWallets


  • Transaction fees are often higher than they are for other methods. This includes possible cash advance fees
  • It usually takes two to five days to receive your withdrawals


Why Should I Use American Express at Online Casinos?

We have already explained many of the benefits that AMEX offers users. Because so many of the best American gambling sites accept it, users have an abundance of high-quality operators to choose from.


Then there is the sheer convenience. Having an American Express card means that you don’t need to find an alternative payment method for deposits or withdrawals. Of course, the peace of mind that comes with knowing that AMEX transactions are safe and secure is priceless. Don’t forget about those great bonuses that AMEX deposits qualify for. You can find loads of generous offers right here on our site.


American Express vs. eWallets

In terms of deposits at online betting sites, American Express and most eWallets allow players to instantly fund their internet casino accounts. One difference you might see is that eWallets like PayPal and Skrill are sometimes excluded from deposit bonus offers. This is a great example of why you need to read the terms and conditions of any offer you want to partake in.


Another major difference is the transaction fees associated with using both methods. While most operators offer free credit card deposits, some charge hefty fees for the service. Our experts have encountered online gambling sites that charge a fee of over 6% to process credit card transactions.


On top of that, many credit cards will charge a cash advance fee to those who use credit cards for casino deposits. Even though a minority of online casinos charge a small fee for eWallet deposits, cash advance fees and other charges associated with credit cards do not apply to eWallets.


Perhaps the most notable difference between using American Express and eWallets is the withdrawal time. If you take advantage of all the perks that come with eWallets like Skrill and PayPal, such as getting an ATM card, you often have access to your withdrawals as soon as the operator processes the withdrawal.


With American Express and other credit cards, you will most likely have to wait a few days to receive your money even if the betting site processes the withdrawal request right away. As with AMEX deposits, users can expect the card company to levy a fee for processing the withdrawal.


All things considered, optimized eWallets have a slight advantage over credit cards like American Express. eWallets such Skrill and PayPal are cheaper to use and they usually facilitate significantly shorter withdrawal times.


American Express Credit Cards vs. AMEX Debit Cards

Most AMEX cardholders have a credit card and debit card rolled into one. In both cases, you can simply select AMEX for deposits and then complete the transaction. However, there are some significant differences between the two.


For starters, using a credit card allows the user to spend more money than they have in their bank account. When you use a debit card, you can only spend what you have in your bank account.


As mentioned above, using an AMEX credit card for online casino deposits can come with a variety of fees including the dreaded cash advance fee. While debit card users may face a small transaction fee, they will not be subjected to a cash advance fee. Additionally, they cannot get themselves into sticky situations in which they spend more than they can afford.


Withdrawal times for debit cards and AMEX credit cards are pretty much the same. Once the gambling site has processed the withdrawal, both credit card users and debit card users will often have to wait between 2 and 5 days to access their money.


In the end, we have to give the edge to debit cards. The main reason is that credit card transactions are generally more expensive when you consider the fees. On top of that, using a debit card is safer in terms of keeping your gambling responsible because you can’t spend more than you have.


AMEX Casinos Review



The American Express card is one of the most widely used and accepted credit cards in the United States and the rest of the world. Having one means that you have access to countless reputable online casinos and a bounty of generous bonuses. You can be sure that your transactions are secure and you’re never on the hook for fraudulent charges. Do yourself a favor and select AMEX the next time you’re prompted to choose a payment method.


Not all American online casinos accept American Express. However, you will find that most of the best ones do.

Assuming you have registered at an AMEX-friendly casino, you can simply select American Express when asked to choose your preferred payment option.

It usually takes anywhere between two and five days for American Express withdrawals to reach you. It could take a bit longer if your gambling site has long processing times. Make sure to check out our favorite fast withdrawal sites to minimize the wait time.

No, you will not get scammed if you only choose relevant sites. Use our casino reviews for the safest gambling experience online!