Online casino gaming is all about finding small edges and using them to your advantage. However, when it comes to playing strategically, house edge and payout percentages matter.
For those that don't know, "edge" is the word used to describe someone's advantage in a gambling exchange. Through a combination of logical moves, promotions, and choosing the right online casinos in the US, it's possible to reduce the casino's advantage.
This guide will help you select casinos and games with the best RTP. RTP percentage tells you how much you stand to win, on average, when you bet. By knowing an online casino's payout percentage and what the best payout casino games are, you're giving yourself a better chance of winning.
Recommended Casino Sites
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The code required to claim this sign-up bonus (if any)
not required
Bonus Wagering
The number of times you have to play through your bonus before you are able to withdraw any winnings
1x
Payout Time
The average withdrawal processing time
1 Day
Casino Games
The total number of casino games available
807
Overall Slots Jackpots X
The number of jackpot slot games available
11
Live Casino Games
The number of live casino games available
25
BetRivers is a reputable brand that has established online sportsbooks and casinos in multiple US states. BetRivers.net is the social casino that allows players to play without risking real money.
So, if you're eager to see how you can improve your potential in the gaming world and which online casino pays out the most, here are the best paying online casino sites in the US.
🏆 Overall Best Payout Online Casino:
BetMGM Casino
💰 Highest Payout Online Casino:
BetMGM Casino
⏩ Fastest Payout Casino:
Caesars Casino
🎰 Highest Paying Slot Game:
Blood Suckers
Established 2020
Number of Slots
The total number of online slot games available
Number of Jackpots
The number of jackpot slot games available
760
56
Number of Blackjack Games
The total number of blackjack games available
Caesars' overall RTP is just under 98% thanks, in part, to the fact it offers one of the highest paying casino games online, Divine Fortune. Of all the progressive jackpot slots in the US, Divine Fortune is ranked among the most popular and, importantly, the most lucrative thanks to average payouts worth $200,000. When you add over 100 other high paying casino games to the mix, including Cleopatra, it's easy to see why Caesars is ranked so highly.
FanDuel isn't the highest paying online casino in the USA, but it's close. Its total average payout rate of 96.7% isn't far off Caesars Casino, which is a good sign. Helping this casino's RTP is a collection of 350+ video and progressive slots such as 88 Fortunes. Also pushing up the theoretical return rate are 14 blackjack tables. Blackjack payout percentages are among the highest in all casino gaming, with some variants offering RTP scores close to 98%. So, the fact FanDuel has more blackjack games than other US online casinos that payout real-money prizes definitely helps its overall RTP.
Ocean is one of the top paying casinos online thanks, in part, to the online slots it offers. Hits such as Cleopatra and Wheel of Fortune offer high payouts topping 10,000X. The table games lobby is also filled with high RTP offerings, including Lightning Roulette and Lightning Blackjack, both of which prize multipliers worth up to 500X. Anyone that knows about high paying games will know that 500X is way above the norm for blackjack and roulette.
BetMGM is not only one of the highest payout online casinos in the US (98.3%), it has more games than most. Join and you'll have access to over 800 games, including live dealer games and roulette tables with payouts topping 1,000X, exclusive slot games, and progressive payouts worth over $1 million. Add to this the fact that BetMGM pays out winnings within 24 hours, and you've got a ton of potential when you play at this online casino.
Visit BetMGM.com for T&Cs. Must be 21+. MI, NJ, PA or WV only. Excludes Michigan Disassociated Persons. All promotions are subject to qualification and eligibility requirements. Rewards issued as non-withdrawable site credit, unless otherwise provided in the applicable Terms. Please Gamble Responsibly. Gambling Problem? 1-800-270-7117 for confidential help (MI), 1-800-GAMBLER (NJ, PA & WV).
Hard Rock is one of the fastest payout online casino USA sites we've reviewed. That's a positive because it means you'll get your winnings within a day when you use withdrawal options such as e-Wallets. It's an even bigger positive because this operator has more payout potential than most.
Its payout percentage is 96.22% thanks, in part, to progressive jackpot slots like Divine Fortune which have prizes worth more than $100,000. Therefore, if you can spin in the right combinations, Hard Rock Casino guarantees all prizes are received and, moreover, it will process withdrawal requests almost instantly.
There are a few ways to become one of the highest payout casinos in America. You can offer plenty of progressive jackpots. You can also offer bonus-payout variants of classic table games such as French roulette and American roulette. Finally, you can offer generous promotions and be one of the country's leading instant payout casinos.
Bally ticks all of these boxes, but it goes a step further. That extra step is bingo. Offering 90-ball bingo games, as well as bingo promotions, gives Bally's something its competitors don't have. It also gives Bally one of the best online casino payouts NJ has to offer.
Pros & Cons
Pros:
Exclusive slots and table games
Bingo games and promos
Plenty of banking methods, inc. MasterCard & PayPal
What is a casino payout percentage and how is it calculated?
To rank online casinos with the best payouts, you need to know how scores are calculated. As we've said, RTP is the amount you can expect to win, on average, when you play online casinos games.
RTP percentages are based on the amount of money a game returns over 100,000 bets or more. Basically, it's a game's long-term payout potential. The higher the payout percentage, the better chance you have of making a profit.
How do I determine if a casino has a great payout percentage?
You can use this guide to find online casinos with highest payouts. As well as our insights, you can look at the games an online casino offers to determine its overall payout potential. In simple terms, if a casino has over 100 high paying games and progressive jackpots, it's likely to be one of the best payout online casinos.
What is the average casino payout time?
The average processing time for real cash payout casino apps in the US is 1 to 7 days. An instant withdrawal casino will process payments in less than 24 hours. That means you can get your winnings, often in person, within a few hours.
Online casinos with the fastest payout times are great, but speedy withdrawals aren't much use if you can't use your preferred payment method. We only recommend an online casino with the best payouts if it also offers plenty of secure withdrawal options.
As a standard, you should be able to make card withdrawals, eWallet withdrawals, and in-person withdrawals. When these options are combined with instant withdrawals, you know you're getting the best service and, in turn, payout potential.
What Factors Can Affect Payout Times?
A casino with the highest payouts isn't worth using if the withdrawal times are slow. Our recommended fast payout casinos typically process withdrawals within 1 to 3 days. However, there are things that can slow down the process.
For example, card payments usually take longer to process than PayPal withdrawals. The verification process may also slow down cashout times. Even casinos with the best payout rates need to see proof of your identity before they'll process your first withdrawal. This can take a few days, which means your initial payout may take longer than usual.
Finally, large payouts might have to go through enhanced security checks. The best online casinos that payout in USA dollars will usually process withdrawal requests up to $100,000 without any issues. However, requests significantly over this amount may take longer because they require additional checks.
What are game RTPs (Return to Player)?
We've already talked about payout percentages and how an RTP score tells you how much you stand to win. For example, if the RTP is 98%, you should expect to get back $98 for every $100 you wager.
What's important to note is that RTP scores are theoretical averages. That means your actual return rate might not always match the advertised payout percentages. Some sessions you'll win less than the average, some sessions you'll win more.
However, over time, your results should be somewhere close to the RTP. That's why you should use an online casino with good payouts. With the top paying online casino sites, you should, in theory, have better average returns.
How do I check for high RTP games in a casino?
A top paying online casino will show you exactly what you can expect to win in a game's description. It's usually the case that a pop-up provides information about the game's RTP and maximum payout.
If your chosen online casino doesn't have game descriptions, we've got you covered. We review all the highest payout casino games so you know what's possible when you use our recommended gambling sites.
What is the best paying online casino?
BetMGM is the highest payout casino in the USA when all factors are considered. This means taking into account the total RTP of its games, its promotions, and its banking options. So, with over 800 great games, a welcome bonus worth over $1,000, loyalty rewards, and fast withdrawals, we have to put BetMGM right up there as the best online casino with the highest payout rate.
Find the Best Payout Casinos by State
How do you find the best online casinos that payout USA dollars? This guide and our casino reviews are great starting points. You also need to consider how many games a casino offers and how many of those offer generous prize multipliers.
The best payout gambling sites also offer fast withdrawals to all methods, including Visa and MasterCard. You also need to make sure there are enough promotions to push up the overall RTP. If an operator scores well in all of these areas, you can class it as one of the top paying online casinos in USA gaming. Even though it's not among the top six, 888 casino payout is another option that ranks well according to these criteria.
The final thing to note is that a top payout casino in one state might not make the grade in another. Therefore, while it's good to think about which casino has the best payout rate in a general sense, you also need to be specific and look at the facts on a local level. With this in mind, here are the best casino payouts by states.
Best Payout Online Casinos in NJ
BetMGM - 98.3%
Caesars - 97.8%
FanDuel Casino - 96.27%
The online casino with highest RTP score in New Jersey is BetMGM, but it has a lot of competition. Online gambling has been legal in the Garden State since 2013. During that time, a lot of casinos have come and gone. Today, anyone aged 21+ and within state lines can try 19 different gambling sites, including some of the top paying online casinos USA gaming has to offer, including BetMGM, Caesars, and FanDuel.
Best Payout Online Casinos in Michigan
BetMGM - 98.3%
Caesars - 97.8%
BetRivers Casino- 97.2%
What are the best casino payouts in Michigan? It won't come as a surprise that BetMGM leads the way in Michigan because it's ranked as the best paying online casino in USA gaming. By that measure, it's also the biggest payout online casino in Michigan. Online gambling was legalized in Michigan back in 2019 and the first casino apps went live in 2021. Today, the legal gaming age is 21+ and there are 9 major operators in the state, including Caesars, Golden Nugget, BetRivers, and Stars Casino.
Best Payout Online Casinos in Pennsylvania
BetMGM - 98.3%
Caesars - 97.8%
DraftKings Casino - 96.27%
The best casino payouts in Pennsylvania come courtesy of BetMGM, Caesars, and DraftKings. In fact, these apps are not only the best in Pennsylvania, they're responsible for some of the highest casino payout rates in the US at large. In terms of local regulations and competition, Keystone State gamblers have to be within Pennsylvania and 21+ to use the 9 top-rated local casino apps.
Best Casino Payouts in Connecticut
Mohegan Sun - 97.37%
DraftKings Casino - 96.27%
What casino pays out the most in Connecticut? At the time of writing, it was Mohegan Sun. Because Connecticut is a relatively new online gambling state compared to the likes of New Jersey and Pennsylvania, it doesn't yet have the same level of gaming activity. In fact, many of the leading fast payout USA online casino operators still haven't launched apps in the Constitution State. However, the ones that are there, namely Mohegan Sun and DraftKings, are among the best online casinos that payout cash prizes.
Top Paying Online Casinos Sweepstakes in Unregulated States
Finding a real online casino in USA that pays out in dollars isn't always possible. Even though laws are constantly evolving, online gambling isn't legal in every state. That means you might not have access to the highest paying online casino USA gaming has to offer.
However, fear not because there are two positives here. Firstly, dozens of states are looking at how they can follow New Jersey et al and implement their own online casino laws. Secondly, in lieu of using a real-money casino with a great payout percentage, you can use sweepstakes sites.
Social casinos are legal in (almost) all parts of the US thanks to federal sweepstakes laws. As such, you can still find high slot payouts, entertaining games, and mobile apps in unregulated states. You won't be playing for cash prizes, but some of the best sweepstakes casinos with high payouts allow you to win tokens that can be exchanged for money.
This means banking methods, withdrawal times, and high RTP games are just as important as they are in the real-money gaming sector. This leads us to ask these questions: which online casino pays the best sweepstakes prizes? And, moreover, what is the fastest payout USA online casino in the sweepstakes sector? The answer to these questions and more can be found in the following list of sweepstakes online casino best payouts.
Pulsz
Payout Rate: Over 95% (estimated)
Payout Speed: 3-7 days (average)
No. of Games: 150+
5 Highest Paying Games: Blood Suckers, Queen of Gold, Legend of Shangri La, Coins of Egypt, Diamond Strike
New Player Bonus: Free sweeps, extra games, and VIP benefits
Pulsz is a sweeps casino with best payout rates for slot games. That's obviously impressive. However, what's more impressive about this social gaming site is that it looks, feels, and functions like a real-money online casino.
You can't make deposits and you're not playing for cash prizes. However, you can win Sweepstakes Coins that can be converted to cash gift cards and prizes. Additionally, this social casino offers many of the games you'd find at a real-money gaming site. For example, you can play Blood Suckers, which has an RTP of more than 98%. That's higher than most online slots, and the reason we estimate this casino's payout rate to be over 95%.
When we ask the question, what online casino pays out the most, Gambino Slots isn't a potential answer. This social gaming site only offers free games without any chance to convert tokens into prizes. As such, it doesn't have any withdrawal options. It does, however, have familiar banking methods such as Visa, MasterCard, American Express, and e-Wallets, for registered users that want to buy extra tokens.
Why would you do that? So you've got more credits to play over 50 top online slots. However, the beauty of this social casino is that you don't have to make a purchase. You can play for free and, as you earn VIP points, you'll unlock new games. That's what makes this platform interesting. So, while it doesn't publish audited RTP rates, it doesn't matter because you'll enjoy a great gaming experience at Gambino and it doesn't have to cost you a cent.
This social casino doesn't have an officially audited payout rate, but we know the RTP is likely to be over 97%. Why? Because its real-money counterpart, BetRivers Casino, has one of the best payout rates in the US. Based on this, as well as the fact it offers over 400 familiar games, including progressive jackpot online slots and live casino games, we know the overall RTP is impressive.
In fact, this social casino is impressive in many ways. It's basically a carbon copy of BetRivers. This means you get all the same games, search filters, support, and software options. You get free tokens to play, but you can top up your balance by making card payments or by using e-Wallets. The only thing you can't do is convert tokens to cash/prizes and make withdrawals. But, if you want a legal, authentic casino gaming experience without the cost, BetRivers.net is excellent.
Hard Rock Jackpot Casino is somewhat unique in the social gaming world because it allows you to convert your online play into real-world rewards. Unlike sweepstakes casinos such as Pulsz, you can't convert tokens to cash/gift cards. What you can do, however, is turn tokens into comps at any land-based Hard Rock Casino. Gold coins are the onsite credit and you can get free coins in a variety of ways. You can also purchase coins by using credit/debit cards and e-Wallets.
You'll also earn hearts when you play. These tokens are what you convert into live comps such as Hard Rock merchandise, hotel stays, resort credits, and more. Finally, as a social gaming site, Hard Rock Jackpot Casino isn't obligated to report/audit its payout rate. However, this app features many of the same high paying casino games as its real-money counterpart. Therefore, we can say with some confidence that its RTP is over 96%.
We know blackjack payout percentages are better than most games, so it stands to reason this social casino has an impressive RTP. We can't class this as a fast payout online casino in USA gaming because you can't convert tokens to cash prizes. We can, however, put it among the top payout casinos within the social gaming sector because its collection of blackjack tables has RTP rates topping 98%.
Add some slots and poker games to the mix, and the payout rate goes up again. For us, the real selling point to this social casino is that you can use tokens to get live comps. Moreover, you can earn your way into sweepstakes draws by playing games. These draws offer exclusive prizes such as luxury vacations.
US players have access to hundreds of high casino slot payouts, but the following are the best in terms of their RTP. So, we definitely recommend taking a spin on these games if you spot them at your favorite casinos.
SLOT NAME
PROVIDER
RTP
WHERE TO PLAY
Blood Suckers
NetEnt
98%
BetMGM
Retro Riches
High 5 Games
97%
Caesars
Ambassador
BetDigital
97%
BetMGM
Wizard's Critters
High 5 Games
97%
BetMGM
Reel Rush
NetEnt
96.96%
Bally
Wheel of Fortune on Tour
IGT
96.6%
BetMGM
Ghostbusters Plus
IGT
96.5%
BetMGM
Electric Tiger
IGT
96.25%
FanDuel
Narcos
NetEnt
96.23%
FanDuel
88 Fortunes
Light and Wonder
96%
Hard Rock
Established 2020
Total Slots
The total number of online slot games available
Mobile Slot Providers
494
8
Total Slot Providers
The number of different slot game software providers
Mobile Slot Games X
The number of mobile slot games available
Table games, including live casino games, typically have better payout percentages than online slots. Of all the table games you can play, blackjack has the best RTP. Not only is blackjack's standard payout better than other games, you can actually improve your potential by using basic strategy (i.e knowing when to hit or stand).
In fact, this is why table games like blackjack have the best payout percentage. Even though the highest payout slots offer bigger prizes, you have a better chance of winning with table games because you have more control. With online slots, the reels spin and that's it. With blackjack, for example, you can decide when you hit, stand, split, and double down.
This theory also applies when you look at the casino roulette payout percentage, baccarat, poker, and craps. In short, the ability to make more in-play decisions is the reason table games have high payouts. Therefore, when you use an online casino with the best payouts, make sure you try the following games.
GAME
RTP
WHERE TO PLAY
ONLINE BLACKJACK
99.40%
FanDuel Casino
AMERICAN ROULETTE
94.74%
Caesars Casino
EUROPEAN ROULETTE
97.30%
Ocean Casino
FRENCH ROULETTE
97.30%
BetMGM
THREE CARD POKER
97.99%
Hard Rock Casino
BACCARAT
98.94%
WynnBet Casino
LIVE DEALER GAMES
94%-99%
BetMGM
Video Poker Odds
An online casino with best payouts will usually have a solid selection of video poker games. Why? Because, like table games, video poker has a low house edge. This, in turn, means the RTP is higher. Therefore, if you use the best payout casino online, you'll often find these video poker variants are on offer.
Video Poker Games
Casino Payout Ratio
Jacks or Better
99.54%
Double Joker Poker
99.96%
Deuces Wild
99%
7s Wild
98.8%
Aces and Faces
99.85%
Double Bonus Poker
100.17%
How to Find the Best Payout Online Casino in USA
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We want you to have the best experience possible, which is why we use our expertise to find the best online casinos that payout the biggest prizes in the least amount of time. We're always updating our list of casinos with highest slot payouts, so bookmark this page and come back regularly to find the latest top picks.
Check Our Reviews
Our reviews can help you find the best payout online casino for real-money gaming. As well as looking at slot games, the blackjack casino payout percentage, and the available payment methods, we assess an app's software and promotions. Basically, we provide complete and honest overviews of the best payout online casinos USA players can use.
Check RTPs
You need to know the RTPs of the best payouts online casino games if you want to unlock the most potential. Basically, without checking a game's RTP, you're playing blind. As a general rule, you should check everything from casino craps payouts and slot RTPs to casino keno payouts and more before you place a bet.
Read the Fine Print: T&Cs
As we've said, online casino payout percentages are theoretical averages. They aren't set in stone. You need to understand this. If you assume you'll always win money at the top paying casino online, you're going to be disappointed.
In theory, you should have a better average return rate at a high payout online casino. However, this doesn't mean you'll achieve a better return rate every time you play. All of this information is clearly expressed in the terms and conditions. Make sure you read and understand these terms before you start using the best online casinos for payouts.
Banking Options We Recommend for Fast Payouts
Knowing what the best paying casinos online are is great but, as we've said, you can't unlock this potential if withdrawals take an eternity. Once you've found the top same day payout casinos with instant withdrawals, you need to choose the most efficient online casino payment methods. The table below will help you get fast payouts.
BANKING OPTIONS
PAYOUT TIME
Bank Transfer
3-7 days
Prepaid Cards
1-3 days
Card Payments (Visa, Mastercard)
3-5 days
e wallets like PayPal
1-3 days
Fastest Paying Casinos
Caesars - 1-3 days
BetMGM - 1-5 days
DraftKings Casino 1-7 days
5 Tips to Maximize Wins at the Best Paying Online Casinos
Our advice is simple: play games with the highest payout percentage, take advantage of same day payouts, and use betting strategies to reduce the house edge. Those are all great ways to improve your potential. In addition to these strategies, you can do the following things to make the most of your time online.
Tip #1: Play top RTP games at the best payout casinos
Online slot machines offer the biggest prizes, but table and live dealer games tend to have the best RTPs. Therefore, if you're aiming to maximize your potential, always choose the online casino with the most payouts and, in turn, try playing table games.
Tip #2: Don’t LIMIT yourself to one casino
BetMGM is the best online casino for payouts in the US, but don't restrict yourself to this app alone. You should use every online casino that pays out the most. So, if you join a variety of sites, you can move from one big payout online casino to another when luck isn't on your side.
Tip #3: Use welcome bonuses to EXTEND VALUE
Welcome bonuses and promo code offers for existing customers are a great way to improve your payout potential. Not only do they help offset your losses, but the online casino bonuses can boost your bankroll when you're winning.
And, what's more, if you join more than one of the highest paying online casinos in America, you can claim multiple bonuses.
Tip #4: LOOK out for new releases with high RTPs
The newest and best online casinos where USA players are accepted and which have fast payouts are always adding new games. This strategy keeps things fresh and helps maintain a high overall RTP when new releases have a high payout percentage.
Tip #5: SET A budget and MANAGE YOUR bankroll
It doesn't matter what an online casino pays, you should never spend more than you can afford. Casino gaming is an uncertain pursuit. It's possible to win as well as lose, even if you use the highest payout online casino in USA gaming. As a general rule, the money you take into a casino game shouldn't be more than 5% of your total bankroll.
FAQ
What casino game has the best odds for a payout?
Blackjack typically has the best RTP (i.e. the lowest house edge). The average payout percentage at our recommended US casinos is just over 99%. It's also worth noting that certain casino roulette payouts and casino hold'em payouts are higher than 97%.
What online casino has the fastest payouts?
Caesars has the best casino payout days timeframe. Online payments via e Wallet such as PayPal take 1 day. However, you can get in-person payouts at Caesars' land-based casinos within a few hours.
Which online casino has the best payouts?
You can find the best online casino payouts for US players at BetMGM. This online gaming site has an overall RTP of 98.3%.
Can casinos control slot machine payouts?
No. A game's payout percentage is set by the developer and verified by an independent testing agency. This means you get a fair, transparent gaming experience, regardless of whether you play slots, baccarat, roulette, or any other casino game.
What days do casinos payout the most?
A casino with highest payouts will usually process the majority of its payments between Friday and Sunday. These are the busiest days online, which is why you can expect there to be more deposits and withdrawals towards the end of the week.
What casino game has the best payouts?
Blackjack tends to have the best RTP, but progressive jackpot slot games offer the biggest prizes. Popular slot machines such as Divine Fortune and Mega Moolah regularly have jackpots worth in excess of $1 million and, sometimes, over $10 million.
What casinos have the best payouts?
The online casino highest payout rate we've found is 98.3%. BetMGM has this RTP, which means it's currently ranked top of the best paying online casinos. The Unibet Casino payout is also taking notice of. With an overall RTP of 97.2% and playing of high paying games, it's another US casino you should consider joining.
How much can a casino payout in cash?
The maximum withdrawal at most US online casinos is around $100,000. Each operator has its own limits, but almost all of the best paying online casinos allow you to cash out six-figure sums of money.
How do casino payouts work?
Casino payouts undergo a security review before a transaction is processed via a reputable company such as Visa, MasterCard, or PayPal. As a player, you need to specify the amount you want to withdraw and the payment method you want to use. After this, the request is reviewed and the funds are sent to your chosen processor within a few hours/days.
How do casinos pay jackpots?
Online casinos pay jackpots in cash. There may be restrictions on the amount of money you can withdraw with a single transaction. However, any jackpots you win will be credited to your account in withdrawable cash.
Do casinos payout on weekends?
Yes, some do. Certain online casinos that payout cash prizes will only process requests during the week. However, many of the leading US casino operators will authorize withdrawals on any day of the week.
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