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The best paying online casinos in the United States include some of the gaming industry’s most popular brands. Online casino game odds reflect the payout percentage of different wagers. When software providers test a new casino game, they tweak the payout percentage to benefit the casino.
Thus, the best online casinos offer various game options to attract players of any skill level. Some online casino brands may offer more games with a higher payout rate. Payout speed is also a major factor, which refers to withdrawal requests.
Keep reading on for more information on the best paying online casinos in the United States. We’ll cover everything from the house’s edge to casino games with the best and worst payouts at our favorite real money online casino sites and mobile casino apps.
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Best Paying Online Casinos in the United States
New players signing up at any of our recommended online casino sites should know all about certain features, such as any welcome bonuses, sports betting integration, and the selection of live dealer games.
Fast payouts pertain to available payment methods and banking options, and that’s essential, too. ‘Best paying online casino’ refers to the site’s speed of payout requests and how often its casino games pay out players.
Without further ado, let’s get into the list:
BetMGM Casino
Available to players in Michigan, New Jersey, Pennsylvania and West Virginia, BetMGM Casino launched in 2018 as a partnership between MGM and Entain (formerly GVC Holdings). As one of the best payout online casinos, BetMGM offers plenty of games with high payouts.
BetMGM Blackjack Pro allows up to three hands simultaneously and two side bets: 21+3 and Perfect Pairs. The game provides an RTP of 99.53%, which applies to basic strategy. Betting limits may range from $0.10 to $2,500 per hand, with side bets getting capped at $1,250. The base game (main bet) offers a theoretical RTP of 99.49%, while the 21+3 side bet (comprising a player’s two cards and the dealer’s face-up card) provides a 96.29% RTP with payouts ranging from 5x to 100x. The Perfect Pairs side bet offers an RTP of 95.91%, and payouts range from 6x for a player’s Red/Black pair to 25x for a Perfect Pair (identical cards from multiple decks).
With the BetMGM Casino bonus code NPBONUS, first-time players can receive a 100% deposit match up to $1,000 ($2,500 in WV). The bonus requires a $10 minimum deposit and a 15x play-through requirement. A $25 casino bonus is also included after registering a new account. The casino bonus comes with a 1x wagering requirement.
Game contributions toward completing a wagering requirement include 100% for slots, 20% for table games and live dealer titles, and 10% for non-live dealer blackjack. The best online slots at BetMGM Casino include Cash Machine, Double Jackpot Gems, Peaky Blinders, and Cash Eruption.
Caesars Palace Online Casino
The gambling behemoth Caesars Entertainment rebranded Caesars Palace Online Casino in 2023 as a standalone option. With standard banking methods and secure payment options available, Caesars Palace Online Casino processes withdrawals 24/7. While BetMGM mandates a three-to-five-day internal review process for withdrawal requests, players at Caesars Palace Online Casino may receive their withdrawal in less than an hour.
Caesars became well-known as one of the best online casinos for its vast selection of slots. Under the Progressive Jackpots category, players can win up to five, six, or even seven figures! Divine Fortune from NetEnt offers an RTP of 96.59%, while an in-game jackpot bonus provides three different jackpots. Play for as little as $0.20 or as much as $100 per spin.
From IGT, Fortune Coin offers an RTP of 96.20% and 243 ways to win. The game is under Top Jackpots with other titles like Stellar Jackpots Chilli Gold X2 (95.93%) and Ultra Blazing Fire Link (96.31%).
We recommend European Roulette from NetEnt for table games, which offers an RTP of 97.30% or a house edge of 2.70%. That’s a much better option than American Roulette variants with a higher casino advantage of 5.26%. Of course, there are games with a house edge of around 1% or lower, including blackjack, baccarat, and video poker.
With the promo code NYPCASINO2500, first-time players in MI, NJ, PA, and WV get a 100% deposit match up to $2,500 plus 2,500 Rewards Points for wagering $25 or more.
FanDuel Casino
FanDuel Casino offers some of the best online casino payouts for games like blackjack, baccarat, craps, and roulette. High RTP slots include Blood Suckers (98%), Medusa Megaways (97.63%), Jumanji (96.33%), Monopoly Lunar New Year (95.99%), and Cleopatra Gold (94.96% RTP).
Like the BetMGM blackjack exclusive, Live Dealer Infinite Blackjack from Evolution Gaming offers an RTP of 99.49%. A Blackjack GO option is also available for iOS users via the FanDuel Casino app. Click the Blackjack GO logo in the bottom right-hand corner of the app to play Blackjack immediately.
As one of the best fast-payout casino options, withdrawal requests at FanDuel may take up to 48 hours. However, after the review process, withdrawals should clear within an hour for options like debit cards, online banking, PayPal, Venmo, and a FanDuel Prepaid Plus+.
There’s no promo code needed for the FanDuel Casino’s $1,000 Play It Again Bonus. With a minimum deposit of $10, new players may get reimbursed for net losses up to $1,000 at casino games during their first 24 hours of play. Players in MI, NJ, and PA also receive 200 Bonus Spins. These spins come with a 1x play-through amount, an easy way to get your winnings quickly.
BetRivers Casino
Paired with a sportsbook, BetRivers Casino is available to players in MI, NJ, PA, and WV. ‘Top Played New Games’ and ‘This Week’s Top 10 Slots’ are available from the casino’s homepage.
With 243 ways to win, Capital Gains offers an RTP of 96%. Play for a minimum of $0.50 per spin. Free Spins add extra Wild symbols to the reels. There are four Money Charge Jackpots, ranging from 50 to 75,000 credits. Labeled as a New game, Devilish Fortunes from Triple Edge Studios offers an RTP of 96.01% and 720 ways to win. Play for $0.20 per spin.
BetRivers shows the ‘largest historical win multiplier,’ along with brief overviews of their games. On February 24, 2024, a player won 1296x their bet at Devilish Fortunes. BetRivers also offers some of the best online casino live dealer options. There are plenty of live blackjack and baccarat games with a low house edge and various side bets. (Check the in-game settings for RTP averages.)
Similar to FanDuel, BetRivers offers a $500 ($250 in PA) cash-back bonus from a $10 minimum deposit for new players during their first 24 hours of online casino gaming. Net losses get reimbursed up to $500 through bonus money with a 1x play-through amount (30 days).
BetRivers typically processes withdrawals within 24 hours. However, their automated Rush Pay feature may clear up to 80% of withdrawals immediately. That makes BetRivers one of the best casino options on our list.
Borgata Casino
Borgata Casino operates under the MGM umbrella. So, NJ and PA players may discover some of the same games as what’s available at BetMGM. We recommend the Featured Jackpot Slots at Borgata, which includes four titles offering up to seven figures!
Since those slots offer the highest payouts, you’ll discover a house edge for their main games well above the standard 1% to 5% for high RTP titles. For example, Oracle of Dead offers an RTP of 93.48%. Then there’s Mirage Mega Magma. With five reels and 243 different ways to win, it provides an RTP of 91.90% for a stunningly high casino advantage of 8.10%.
Those games offer Jackpot Contribution/RTP averages of just above 3% (including progressive jackpot titles). With max Jackpot payouts of $5,000,000, that’s certainly understandable. Contrast BetMGM/Borgata’s Jackpot Slots with RTPs under their Slots O’ Luck category with featured games like Road to Riches Gold Pots (96.40%), Rainbow Cash Pots (96.50%), and Pot O’Gold (96.99%).
Try baccarat, blackjack, and video poker for the best online high RTP games. Borgata Casino ranks as one of the best payout online casinos, with a 100% deposit match up to $1,000 plus $20 in casino credits. Use the promo code NYPBONUSBOR to claim your welcome offer worth up to $1,020.
bet365 Casino
bet365 Casino is a unique and highly entertaining online casino for NJ players. Newbies can use the information tabs of various games to check things like volatility, reels, and RTP.
Originals at bet365 Casino include Wild Battalion and Escaping Salem, each with RTP averages of 96%. Poker and Pairs Blackjack Surrender provides an RTP of 99.71% for a definitively low house edge of 0.29%. When applying the basic strategy, you can use the Surrender function to forfeit your hand whenever necessary and regain half of your wager.
French Roulette offers a similarly low house edge from a Le Partage rule on even-money wagers. If the ball lands on a single green-colored zero (0) pocket, you’ll get half your bet returned—for an RTP of 98.65% or a house advantage of 1.35%. That’s about the same as betting on the Player in Baccarat—which provides an RTP of 98.70% (house edge of 1.30%). Depending on the game, a Banker bet in baccarat offers an RTP of about 98.94% (house edge of 1.06%) and typically requires a 5% commission.
Browse the progressive jackpot options at bet365 Casino and check the information tabs for other titles with high RTPs. Use the bonus code NYP365 for a 100% deposit match up to a New Player Bonus of $1,000.
How to Sign Up at Online Casinos
How’s a quick rundown on how to sign up at any of our recommended online casino sites or real money gambling apps:
Visit the website of a preferred online casino. Click ‘Sign Up’ or ‘Register.’ (You can also search for online casinos on the App Store or Google Play.)
Enter your email, screen name, password, and phone number. You can also enter a valid bonus code to receive your welcome offer.
Confirm your identity by inserting personal information such as name, date of birth, Social Security number (last four digits), etc.
Agree to the Terms and Conditions.
You may also need to answer public-knowledge questions for verification purposes.
Once you’ve completed the on-screen instructions, you can log in and start your first deposit via the casino’s cashier window.
Confirm your location in a legal jurisdiction to start playing.
House Edge Explained
Online poker players or those who’ve played at land-based casinos are probably familiar with the words “ante” or “rake.” Each of our favorite payout online casino sites implements the same approach. Random number generators (RNGs) built into the software of online casino games determine house edge. Gambling sites earn percentages on each game they offer.
Whether it’s progressive jackpots, live dealer games, specialty games, or virtual sports—house edge applies to what the online casino and their land-based partner (the “house”) share regarding generated revenue. The best payouts from our recommended casinos come from games with the lowest house edge—5% or less.
What Does Return to Player Mean?
Another fundamental concept of the top payout online casino sites is a return to player (RTP) average. Instead of representing a theoretical average of what the house earns per game, spin, round, or hand, RTP percentages work in the inverse (or opposite) of the house edge.
If you know how to play games with a low house edge, you can choose exciting games with high payouts based on RTP percentages. The best payouts sometimes come from high RTP games.
For example, 88 Megaways is one of the most well-known online slots since it’s standard at most casinos. It offers an RTP of 96%. That means players may get $96 back for every $100 they wager at that game.
Of course, other things, such as variance and volatility, come into play. A low-volatility game means frequent wins with lower payouts, whereas a high-volatility game offers less frequent wins at higher payouts. It’s also worth noting that RTP percentages come from thousands, if not millions, of test spins. So, the higher the RTP, the better in the long run.
Why is this Important?
Players should know about house edge and RTP to maximize winning potential at any fast payout online casino. Online gambling success comes from playing high RTP games with the best payouts.
Online casino site offers that match your first deposit might not apply to live dealer titles from Evolution Gaming. However, if you’re looking for huge jackpots, like the MGM Grand Millions slot at BetMGM and Borgata, knowing the odds of winning helps protect your bankroll.
Proper bankroll management at the best online casinos comes from experience in betting against RNGs. Once you start playing table games and other titles, you can better understand how odds and payouts work, thus developing a betting style that suits you best. Then, you’ll boost your confidence (and maybe your bankroll, too) for live dealer titles.
Live dealer casinos don’t rely on RNGs as often, so it could be more accessible to catch a “hot streak” or lucky hand than betting against in-game algorithms. We’ll briefly detail our top payout online casinos, including house bonus code promos, payment options, payout speed, and which games may offer the highest payouts.
Online Casino Games with the Best Payouts
Per their low house advantages and high RTPs, slots and table games are the best online casino games for paying out. Other than blackjack and baccarat, some players might be familiar with slots offering RTPs of 96% or more, like Mega Joker from NetEnt, which has an RTP of 99%.
However, legal online casinos in the U.S. may not offer Mega Joker (or other high RTP slots) due to a meager house advantage of 1%. That’s not profitable for casinos—so players should find similar games with the best chances of winning top payouts.
Slots
Slots at land-based casinos typically offer RTPs ranging from 70% to 90%. That’s a casino advantage of 10% to 30%. In contrast, online casinos generally provide slots with RTPs of about 95% to 96%. Online slots have much lower maintenance costs; thus, casinos can offer better payouts for online players.
That also allows online operators to provide casino welcome bonuses like deposit matches, free spins, or non-withdrawable site credit promos. High RTP slots offer the most efficient way to “clear your bonus” and complete your playthrough amount or wagering requirement in a specific timeframe. We recommend playing slots with RTPs of 96% or above, including progressive jackpot titles. Top RTP slots include:
Blood Suckers (NetEnt – 98%)
Starmania (NextGen Gaming – 97.87%)
White Rabbit (Big Time Gaming – 97.24% – 97.77%)
Medusa Megaways (NextGen Gaming/SG Digital – 96.29% – 97.63%)
Secrets of Atlantis (NetEnt – 97.10%)
Steam Tower (NetEnt – 97%)
Blood Suckers II (NetEnt – 96.94%)
Guns N’ Roses (NetEnt – 96.93%)
Jimi Hendrix (NetEnt – 96.90%)
Dead or Alive (NetEnt – 96.80%)
Chips on a roulette table. Michael Blann/Getty Images
Finding Slot RTPs at Online Casino Sites
There are a few ways to find a slot’s RTP at online casinos. BetRivers offers information overviews for their slots, while bet365 provides volatility and RTP for every game.
At BetMGM and Borgata, click the ‘Help & Customer Care’ section to browse through articles and topics. Click any FAQ, and you’ll see a link to the ‘Help pages’ at the bottom of the screen. From there, you can use the Casino sidebar to view information for every game on their roster—including RTP percentages.
You can also play slots at our recommended online casinos and click the in-game information, settings, or paytable tabs to find theoretical RTP averages from the software provider.
Table Games
The best online casinos offer high RTP table games, including baccarat, blackjack, craps, and roulette. Video poker also provides high RTP titles with games via Game King or Triple, Five, Ten Play Draw, and other options.
Online Baccarat
Baccarat from IGT offers the following RTPs for three types of bets:
Banker (98.90%)
Player (98.70%)
Tie (85.60%)
While Banker and Player wagers pay even money, the Tie bet pays 8 to 1. Baccarat Professional Series from NetEnt pays 9 to 1 for Tie bets, offering the following RTPs:
Banker (98.94%)
Player (98.76%)
Tie (85.64%)
Evolution Gaming provides various baccarat games, including Speed Baccarat, with side bet RTPs ranging from 86.29% (Either Pair) to 97.35% (P Bonus). Lightning Baccarat offers multipliers (2x – 8x), fewer side bets, and requires a 20% fee.
Payouts may reach 512 to 1 for Player or Banker bets and 576 to 1 for two different side bets. The game provides a Banker bet with a slightly lower casino advantage than traditional baccarat games, while the Tie wager RTP rises to 94.51% with a smaller payout of 5 to 1.
Online Blackjack
Infinite Blackjack from Evolution Gaming offers a 99.47% RTP. The RTPs of four side bets range from 94.12% (Bust It) to 96.30% (21+3). Multihand Blackjack from IGT provides an RTP of 99.60% with eight decks. The dealer draws on 16 and stands on all 17s. Blackjack pays 3 to 2, while Insurance pays 2 to 1. Other wins pay even money.
From Light & Wonder, Blackjack (Multi-Hand) offers an RTP of 99.42% with six decks. Playing with fewer decks usually benefits the player. However, the rules change for the dealer hitting a soft 17 (a hand with an Ace valued at 11) and standing on a hard 17 (no Ace or its value equals 1).
IGT’s Blackjack with Surrender (six decks) and Multihand Blackjack with Surrender (eight decks) offer an RTP of 99.67% for a stunningly low house advantage of 0.33%. Here are a few other blackjack RTPs to consider (including Poker & Pairs with side bet payouts ranging from 5:1 to 100:1):
Blackjack Poker & Pairs (IGT – Blackjack 99.60%, Poker 96.80%, Pairs 96.60%)
Blackjack Poker & Pairs with Surrender (IGT – Blackjack 99.67%, Poker 96.82%, Pairs 96.63%)
Blackjack Blazing 7s (Light & Wonder – Base game 99.42%, Blazing 7s side bet 95.92%, Insurance 92.60%)
Blackjack Xchange (Slingo Originals – 99.68%)
Zappit Blackjack (Light & Wonder – 98.87%)
Pro tips for blackjack games: Use optimal blackjack strategy for the base game while avoiding insurance and side bets.
Craps
Craps games aren’t as standard at online casinos. However, the game offers a generous RTP for any bankroll. There are many different bets, payouts, and odds in craps, and some newbies may find it overwhelming. Try a demo version first (wherever available), or use the BetRivers social casino to learn the game.
There’s a theoretical RTP of 99.73% for craps associated with the Don’t Pass line (with full odds). With payouts ranging from 1:2 (from commission), even money, and up to 30:1 (side bets), Evolution Gaming offers First Person Craps and a live dealer version. Both options provide RTPs ranging from 83.33% to 99.17%.
Video Poker
Game King Video Poker from IGT is often standard at most online casinos. Payouts range from even money (depending on the variant) to 800x (Royal Flush). There are nine types of video poker games you can choose:
Jacks Or Better (99.54%)
Bonus Poker (99.16%)
Bonus Poker Deluxe (99.64%)
Double Bonus Poker (99.10%)
Double Double Poker Poker (98.98%)
Triple Double Bonus Poker (99.57%)
Deuces Wild Poker (99.72%)
Deuces Wild Bonus Poker (99.45%)
Joker Poker (99.20%)
IGT’s multi-hand video poker has Triple, Five, and Ten Play Draw options—each with the same nine games. There are also three Ultimate X Poker versions for Triple, Five, and Ten Play Draw. Each of those titles comes with the same nine games from IGT. They provide multipliers ranging from 2x to 12x. Here are the top RTPs offering enhancements with a Bonus enabled:
Ultimate X Poker Three Play – Double Double Bonus Poker (99.72%)
Ultimate X Poker Five Play – Double Double Bonus Poker (99.79%)
Ultimate X Poker Ten Play – Bonus Poker Deluxe (99.70%)
Ultimate X Poker Ten Play – Double Double Bonus Poker (99.86%)*
*Highest RTP of any game we found. With optimal strategy, here are the RTPs of other poker games:
Casino Stud (Light & Wonder – 97.45%)
Casino War (Light & Wonder – 97.83%)
Ultimate Texas Hold’em (Light & Wonder – 99.27%)
Extreme Texas Hold’em (Evolution Gaming – 99.47%)
Texas Hold’em Bonus Poker (Evolution Gaming – 97.96% – 99.47%)
Online Casino Games with the Worst Payouts
Variety games, like Keno and Slingo, sometimes offer the lowest RTPs. With various slots, you may discover RTPs under 95% as well. While some Slingo games may offer favorable RTPs of around 96%, we’d recommend staying away from Keno games in the low 90s.
Avoid slots with massive jackpots, games with low volatility or RTPs below 95%, and side bets in table games—unless you’re willing to risk your bankroll.
Responsible Gambling at Online Casinos
Having fun is one of the most essential things to remember about online gambling. When you play responsibly, you also reduce the chances of problem gambling. Here are a few things to consider when gambling online.
Responsible Gaming Tools
Online casino companies adhere to Responsible Gaming (RG) protocols to ensure online players remain safe and secure. Players can click the RG icon at online casino sites and mobile apps to learn how to handle a gambling problem. Read about how to set limits on deposits, sessions, and spending.
You can also voluntarily place yourself on a self-exclusion list or take a break to avoid developing a gambling problem. You can always contact customer support for help. Call 1-800-GAMBLER for any issues or concerns if you think you have a gambling problem.
Do Your Research, Strategize, and Have Fun!
Our recommended online casino brands remain the most popular options in the industry. You can check out our other reviews to learn about games, bonuses, and more. Basic strategies come from experience. We recommend practicing bankroll management as much as possible.
If you deposit $100, you can wager 1% – 5% of your bankroll per wager (about $1 – $5). Sticking to a daily, weekly, or monthly budget is also valuable. You shouldn’t gamble with money you can’t afford to lose. Remember to have fun! If you stop having fun, maybe it’s time to take a break.
Best Paying Online Casinos FAQs
Here are some essential FAQs about the best paying online casinos.
What are the best-paying online casinos?
Some of the best paying online casinos that topped our list include BetMGM Casino, Caesars Palace Online Casino, and FanDuel Casino.
What is RTP% or return-to-player?
Online casino companies and software providers offer return-to-player (RTP) percentages on their casino games. For example, an average RTP of 95% returns $95 to players for every $100 spent at a machine.
What is the legal betting age to use any of the best paying online casinos?
Players must be 21 or older to place a wager at legal online casino platforms and apps.
Are online casino games safe and legit?
Yes, online casino games at licensed and regulated casinos remain safe and secure. Games routinely get tested by third-party audits.
