Looking for a Canadian online casino that actually accepts your credit card? We test Visa, Mastercard, and Amex deposits at every casino on this list so you don't waste time getting declined. Below you'll find our top picks, honest info about fees and bank blocks, and a full breakdown of which credit cards work where.
Best Credit Card Casinos in Canada for February 2026
The list below was last checked and verified today (Thursday 12th, February, 2026)
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | Deposit CA$20 or more. Max stake CA$5 per bet. Own funds used first. 30 days bonus expiry. Free spins must be used on on Sugar Rush 1000 within 24 hours.
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First bonus: 100% up to CA$250 + 50 free spins on Wolf of Gold / Second bonus: 100% up to $250 / Third bonus: 50% up to CA$500 / Min deposit: CA$15
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | Bonus available on first 3 deposits: up to CA$2,000 total + 99 bonus spins. Minimum deposit CA$10. Wagering 30x. Game restrictions and bet limits apply. Bonus spins valid on Gates of Olympus. Offer must be claimed within 7 days of registration.
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit: 120% up to CA$300 + 120 fs on Big Bass Bonanza. Min deposit CA$10 to get bonus.
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit: 120% up to CA$300 + 50 fs on Big Bass Bonanza. Min deposit CA$10 to get bonus.
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit: 120% up to CA$500 + 70 fs on Big Bass Bonanza. Min deposit CA$10 to get bonus.
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | Min deposit CA$20. Bonus must be wagered within 14 days after registration. Free spins must be used on Sweet Bonanza.
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit – Match bonus up to $200 • Second and third deposits – Match bonus up to $400 • New customers only • Minimum deposit $10
Jackpot City
93%Rating
verified
CA$1,600 deposit bonus + 10 daily spins with the chance to win $1m
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First four deposits - Match bonus up to $400 • 10 daily spins to win a million • New customers only • Minimum deposit $10
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First four deposits - Match bonus up to $300 • 10 daily spins to win a million • New customers only • Minimum deposit $10
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit – 40 bonus spins (minimum deposit $1) • Second deposit – 100 bonus spins (minimum deposit $5) • Third deposit – 150% match bonus up to $200 (minimum deposit $5) • New customers only
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit - Match bonus up to $400 • Second and third deposits - Match bonus up to $300 • 10 daily spins to win a million • New customers only • Minimum deposit $10
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit - Match bonus up to $200 • Second deposit - Match bonus up to $150 • 10 daily spins to win a million • New customers only • Minimum deposit $10
Ruby Fortune
81%Rating
verified
$750 welcome bonus + 10 daily spins with the chance to win $1m
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First three deposits - Match bonus up to $250 • 10 daily spins to win a million • New customers only • Minimum deposit $10 • Wagering and terms apply
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | Match bonus up to $400 • Second and third deposits - Match bonus up to $200 • 10 daily spins to win a million • New customers only • Minimum deposit $10
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit - Match bonus up to $500 • 10 daily spins to win a million • New customers only • Minimum deposit $10
18+ | Gamble Responsibly | Terms and Conditions apply | For support, visit Canada Safety Council | First deposit - Match bonus up to $200 • Second and third deposits - Match bonus up to $300 • 10 daily spins to win a million • New customers only • Minimum deposit $10
How Credit Card Deposits Work at Canadian Online Casinos
Depositing with a credit card at an online casino is straightforward — but there are a few things most sites won’t tell you upfront. Here’s what actually happens when you use your Visa or Mastercard to fund your casino account.
The Step-by-Step Process
Head to the casino’s cashier or deposit page, select “Credit Card” as your payment method, and enter your card number, expiry, and CVV. Choose your deposit amount in CAD (most casinos have a minimum of $10–$20). Hit confirm, and most deposits go through instantly — you’ll see the funds in your casino balance within seconds.
Sounds simple, right? It mostly is. But here’s the catch: your bank might have other plans.
Which Canadian Banks Actually Let You Deposit?
Not all banks treat gambling transactions the same way, and this trips up a lot of people. Here’s what we’ve found after testing across the Big Five:
TD (Toronto-Dominion): TD frequently blocks online gambling transactions on credit cards. Many TD cardholders report flat-out declines, even at licensed casinos. If you bank with TD, a credit card deposit is a coin flip at best.
RBC (Royal Bank of Canada): RBC generally processes gambling deposits, but they classify them as cash advances — not regular purchases. That means extra fees kick in immediately (more on that below).
BMO (Bank of Montreal): Similar to RBC. Deposits usually go through, but expect the cash advance treatment. Some BMO cardholders have reported occasional blocks depending on the casino’s merchant code.
Scotiabank: Scotiabank has implemented Visa’s Internet Gambling blocking service, which means many online gambling transactions on Scotiabank Visa cards get declined automatically. Mastercard-branded Scotia cards may have better luck, but it’s inconsistent.
CIBC: CIBC processes most gambling deposits but treats them as cash advances. Their debit cards have restrictions on receiving gambling credits, but credit cards generally work for deposits.
If your bank keeps blocking you, consider a secondary card from a credit union or a prepaid Visa. Some players also use Visa over Mastercard or vice versa depending on which network their bank is less restrictive with.
Cash Advance Fees: The Hidden Cost Nobody Warns You About
This is the biggest gotcha with credit card casino deposits in Canada. Most banks don’t process your deposit as a “purchase” — they treat it as a cash advance. And cash advances come with three nasty surprises:
1. An upfront fee: Typically $3–$5 flat or 2–3% of the deposit amount, whichever is higher. So a $200 deposit could cost you an extra $4–$6 just in fees.
2. Higher interest rate: Cash advances usually carry an interest rate of 21–23% — higher than the regular purchase rate on most cards. And there’s no grace period, meaning interest starts accruing the moment the transaction posts.
3. No rewards: Even if your card earns points, miles, or cashback on purchases, you won’t earn anything on cash advances. Your casino deposit is essentially a “dead” transaction for rewards.
Pro tip: If you’re going to use a credit card for deposits, pay off the balance immediately — ideally the same day. That minimizes interest charges. And keep your deposits modest. A $50 deposit with a $4 cash advance fee is an 8% surcharge before you’ve even placed a bet.
Visa vs. Mastercard vs. Amex at Casinos
Visa: The most widely accepted card at Canadian online casinos. Almost every casino on our list takes Visa. Deposits are instant, and some casinos even allow Visa withdrawals (though it takes 1–5 business days). If you only have one credit card, Visa gives you the best odds of it being accepted.
Mastercard: Nearly as widely accepted as Visa. The main practical difference? Mastercard withdrawals are less commonly available — most casinos will ask you to withdraw via bank transfer or e-wallet instead. For deposits, Mastercard and Visa are essentially interchangeable.
American Express: Accepted at fewer casinos than Visa or Mastercard. Amex tends to charge higher processing fees, and the casinos that do accept it sometimes pass those costs along. That said, if you’re an Amex cardholder who wants to use it, check our Amex casinos page for the full list of options.
Diners Club and Discover cards have limited acceptance at online casinos — only a handful support them. If that’s all you have, you might want to consider an alternative deposit method like Interac.
Tips to Keep More Money in Your Pocket
After testing dozens of deposits across different banks and casinos, here’s what we recommend:
Use Interac for withdrawals. Even if you deposit with a credit card, withdraw via Interac e-Transfer when possible. It’s faster (often same-day) and avoids the complications of card withdrawals.
Check your card’s cash advance fee before depositing. It’s in your cardholder agreement or on your bank’s website. If the fee is 3% or more, you might want to use a different payment method for larger deposits.
Pay off your balance immediately. Cash advance interest starts on day one. Don’t let it sit.
Consider a low-fee card for gambling. Some cards have lower cash advance fees than others. Check our rewards cards comparison to find options that might save you money.
Set a budget and stick to it. This isn’t just responsible gambling advice — it’s financial advice. Credit cards make it easy to spend more than you planned. Decide your limit before you start, and don’t chase losses with another deposit.
Is Online Gambling Legal in Canada?
Yes. Online gambling is legal in Canada, though the specifics depend on where you live. The federal Criminal Code allows provinces to regulate gambling within their borders. Ontario launched its regulated iGaming market in 2022 through iGaming Ontario, and other provinces operate their own platforms (like BCLC in British Columbia and Loto-Québec in Quebec).
Many Canadians also play at internationally licensed offshore casinos, and there have been no prosecutions of individual players for doing so. Using a credit card to deposit at these casinos is not illegal — though your bank may still decline the transaction based on their own policies.
WARNING
Please Gamble Responsibly
Playing with credit can lead to losing control quickly. Set a strict limit and stick to it. If you feel your gambling is becoming a problem, seek help immediately.
Frequently Asked Questions
Can I use a credit card at online casinos in Canada?
Yes. Most Canadian online casinos accept Visa and Mastercard credit cards for deposits. However, whether the transaction goes through depends on your bank — some issuers like TD and Scotiabank frequently block gambling transactions, while RBC, BMO, and CIBC usually process them as cash advances.
Do Canadian banks charge fees for casino deposits?
Most do. The majority of Canadian banks classify casino deposits as cash advances, which means you’ll pay a fee of $3–$5 (or 2–3% of the amount) plus a higher interest rate of around 21–23% with no grace period. Interest starts accruing immediately.
Will I get charged a cash advance fee?
Very likely. Even if the casino doesn’t charge you anything, your bank almost certainly will. Check your cardholder agreement for your card’s specific cash advance fee and rate. To minimize costs, pay off the balance right away.
What’s the best credit card for online gambling in Canada?
A Visa or Mastercard from a bank that doesn’t block gambling transactions (RBC, BMO, or CIBC) is your safest bet. Look for cards with lower cash advance fees. You can use our credit card database below to check whether your specific card is likely to work.
Is it safe to use a credit card at online casinos?
At reputable, licensed casinos — yes. Credit cards offer built-in fraud protection and chargeback rights that other payment methods don’t. All the casinos on our list use SSL encryption and are licensed by recognized gambling authorities. That said, only deposit what you can afford to lose.
Can I withdraw casino winnings back to my credit card?
Sometimes. Visa withdrawals are available at some casinos, but it’s not universal and can take 1–5 business days. Mastercard withdrawals are rarer. Most players find it easier to withdraw via Interac e-Transfer, which is faster and more widely supported at Canadian casinos.
Is online gambling legal in Canada?
Yes. Online gambling is legal at the federal level, and provinces regulate it individually. Ontario has a fully regulated market, and other provinces operate their own platforms. Playing at internationally licensed offshore casinos is also common and not prosecuted.
Which Are the Best Credit Card Networks for Online Gambling in Canada?
Here’s a quick comparison of how the major credit card networks stack up for casino deposits. Visa and Mastercard dominate, but each network has its trade-offs:
Visa
Advantages
Widely accepted at most online casinos
High-level security with encryption
Instant deposit processing
Reliable customer support
Limits
Some casinos may charge fees
Withdrawal times can vary (1-5 days)
Fees
Varies by casino and bank, sometimes fees apply
Withdrawals Available?
Yes Available
MasterCard
Advantages
Similar advantages to Visa
High acceptance rate
Secure and fast transactions
Good customer service
Limits
Potential fees for transactions
Withdrawal limitations at some casinos
Fees
Varies by casino and bank, sometimes fees apply
Withdrawals Available?
Yes, but some casinos may have restrictions Limited
American Express
Advantages
Excellent customer service
Attractive rewards and benefits
Strong security measures
Limits
Less commonly accepted at online casinos
Higher transaction fees
Fees
Generally higher than Visa/MasterCard
Withdrawals Available?
Limited Limited
Discover
Advantages
Attractive cashback and rewards
Good security features
Limits
Limited acceptance at online casinos
Not as widely used in gambling
Fees
Typically lower than Amex but can vary
Withdrawals Available?
Limited Limited
Diners Club
Advantages
Strong reputation and history
Secure transactions
Integrated with the MasterCard network
Limits
Limited acceptance at online casinos
Often not available for withdrawals
Fees
Varies by casino and bank
Withdrawals Available?
No Unavailable
Find Casino by Payment Method
Browse casinos by the specific credit card type you want to use:
Not sure if your card will work? We’ve researched over 125 Canadian credit cards from every major bank and issuer. Use the filters below to find your card and check whether it’s likely to be accepted for casino deposits, what fees you’ll pay, and which province it’s available in.
The list below was last checked and verified today (Thursday 12th, February, 2026)
100% up to CA$1,500 + 100 Free Spins
Wagering req: 30x
