Top Paying Online Casino in the USA

What Is the Payout Ratio?

Financially-savvy players might already be familiar with the “payout ratio” concept. This is simply the percentage of money (in the form of bets) that a casino pays out to its players as winnings. A high payout ratio means that players have a higher chance of winning and getting their money back from the casino. You’ll usually see a payout ratio being referred to as “RTP,” or return to player.

However, it’s important to note that payout ratios, or RTPs, can vary significantly. Different games, such as slots, blackjack, or roulette can all have different payout ratios. Before you play a game, do your research and find out which games have the highest RTPs. While many platforms might not have a standard RTP, reputable casinos know that higher returns to players are most desirable.

How We Rate the Top Paying Online Casinos in the USA

Below is a list of the top online casino sites for our players. Trust me when I say no time was wasted when going through each of these platforms to ensure their validity and trustworthiness. Licenses, security, average RTPs, and game variety are just some of the many factors we take into consideration when ranking the best payout online casino platforms. Take a look at our review process and why it’s so critical to our online casino selections.

#	Casino	Bonus	Payout Rate (RTP)	Max Withdrawal	Legal States
1	BetMGM Casino	Bonus 100% Up to $1,000	Payout Rate (RTP) 98.3%	Max Withdrawal $50,000	Legal States WV, NJ, MI, PA	Play Now
2	Caesars Casino	Bonus 100% Up to $1,000	Payout Rate (RTP) 97.8%	Max Withdrawal $25,000	Legal States NJ, MI, PA, WV	Play Now
3	BetRivers Casino	Bonus 100% Deposit Match up to $250	Payout Rate (RTP) 97.61%	Max Withdrawal none	Legal States MI, NJ, PA, WV	Play Now
4	PokerStars	Bonus 100% Deposit Match Up to $600	Payout Rate (RTP) 97%	Max Withdrawal $10,000	Legal States MI, PA, NJ	Play Now
5	Borgata Casino	Bonus 100% Deposit Match Up to $1,000 + $20 Free on Sign Up	Payout Rate (RTP) 96.84%	Max Withdrawal $5,000	Legal States PA, NJ	Play Now
6	Bet365	Bonus 100% Deposit Match Up to $1,000	Payout Rate (RTP) 96.15%	Max Withdrawal $30,000	Legal States NJ	Play Now
7	Bally	Bonus Up to $100 Money Back Guarantee	Payout Rate (RTP) 96.00%	Max Withdrawal $30,000	Legal States NJ, PA	Play Now
8	FanDuel Casino	Bonus Up to $1,000 + 200 Bonus Spins	Payout Rate (RTP) 95.6%	Max Withdrawal $10,000	Legal States MI, PA, NJ, WV, CT	Play Now
9	Golden Nugget Casino	Bonus 100% Up to $1,000	Payout Rate (RTP) 95.29%	Max Withdrawal $100,000	Legal States MI, PA, WV, NJ	Play Now
10	Betway	Bonus 100% Deposit Match Up to $1,000	Payout Rate (RTP) 95%	Max Withdrawal none	Legal States NJ, PA	Play Now

Licenses & Security

Each state regulates online casino activities within its borders, and casinos cannot operate without a license from a government body. These licenses are issued, reissued, or revoked based on state-specific requirements. For example, the New Jersey Division of Gaming Enforcement (NJ DGE) reviews applications and ensures compliance with financial disclosures, tax information, and random number generators (RNGs) for fair gameplay.

Once licensed, casinos must maintain their standing by addressing customer complaints and adhering to state regulations. Bodies like the NJ DGE, Michigan Gaming Control Board, and Pennsylvania Gaming Control Board oversee casino integrity and prevent financial crimes.

It’s crucial to only play at licensed casinos, as unlicensed ones may be unsafe, routing your money to unknown destinations. Licensing seals are usually found on the casino’s webpage, and licenses are available online for public viewing.

Security is equally important. Reputable casinos use encryption, like SSL (signified by a padlock icon in the browser), to protect data and ensure safe transactions. Trusted payment methods, such as PayPal, Skrill, and direct banking, are also key indicators of a secure platform. Avoid casinos using untrusted third-party payment sites.

In short, always check for a casino’s license and security measures before depositing money. The casinos I’ve listed are reputable, but it’s essential to do your own research to avoid fake sites.

Average RTP

In addition to licenses and security, another important factor to consider when choosing an online casino is its average return to player percentage. As I have mentioned earlier, RTP is the percentage of money you’ll get back on average when playing your favorite casino games. It’s important to know that these RTPs are only averages and measured through the lifetime of the game. That means you may not receive exactly the same percentage back when playing a specific game, but over time it should even out to the stipulated score.

Generally speaking, most reputable online casinos have an average RTP of around 95-98% for specific games, just like the ones on our top paying casino list. In an ideal scenario, this means that for every $100 wagered on their games, players can expect to get back about $95-$98 on average.

Of course, this varies from game to game and some casinos may offer higher or lower RTPs depending on the casino games and slots they offer. It can be tough to know the overall RTP of a casino. Fortunately, I’ve done the research and listed them for you above so you can choose the best online casino with the highest payout rates!

Games to Play

Game versatility is the creme de la creme when it comes to choosing a quality online casino. There’s nothing worse than joining a site and realizing it doesn’t offer your favorite games or has limited options.

Luckily, the best payout online casino platforms I’ve listed above have a wide variety of games including popular table games, such as blackjack, roulette, baccarat, and poker. They also offer a large selection of slots with different themes, bonus features, and most importantly, RTPs. Some also provide live dealer options for those who crave an immersive experience!

These top-rated online casino sites also often include exclusive games that are only available on their platform, giving players even more unique options to choose from. With such a diverse range of games, partnerships with big iGaming developers, and varying RTPs, players can explore and try out new games while maximizing their wins.

Bonuses & Promotions

Bonuses and promotions might not seem like a big deal at first, especially if a casino already offers high RTP rates and tons of online games. However, when you’re missing out on daily spins, bonus cash, and other rewards, the experience just doesn’t feel as rewarding.

The best payout online casinos understand this and offer attractive bonuses and promotions to keep players coming back for more. These can include welcome bonuses, free spins, loyalty VIP programs, and seasonal promotions. Big name top paying casinos, like BetMGM, even have rewards you can use for in-person destinations, events, and more!

It’s important to note that these offers often come with terms and conditions, such as wagering requirements. Make sure to read the fine print before claiming any bonus so you know exactly what you’re getting into.

Payment Methods & Withdrawal Times

Withdrawal times can take the fun out of almost any casino gaming experience. I know how tough it can be to hit it big only to wait weeks or even longer just to access your winnings! Luckily, you’ll find that the best paying online casino companies also offer quick and easy withdrawal methods.

Not only do these fast payout online casino sites offer fast payout methods, but they also typically have a wide range of payment options to choose from. This includes traditional methods like credit and debit cards and bank transfers, as well as e-wallets, such as PayPal, Skrill, and Neteller. Some top paying casinos even accept cryptocurrency for even faster payouts and withdrawal times.

Even with top casino payouts being guaranteed, you’ll still need to submit verification documents for security purposes. Don’t lag the process, since doing so will hinder your withdrawal time in the future.

The Best Paying Online Casino Platforms in the USA

With a combination of competitive bonuses, high-paying slots, and high RTP, these are some of my top picks for rewarding online casinos. Take a look at these online platforms below and see which one is best for your gaming needs.

Caesars Palace Online Casino

Caesars Palace Online Casino never ceases to impress me with its many features. From their Caesars Rewards to their incredibly generous $1,000 deposit match welcome bonus, Caesars Online Casino stands out among others in the industry. Its high payout rates which average 97.8% are nothing short of spectacular, either. Its launch in 2023 has made it a go-to real money online casino with one of the most thoughtfully designed mobile apps as well. Caesars is by far the best online casino real money can afford to play in, and worth the investment for gaming!

Highest-paying slots include:

• Blood Suckers
• Medusa Megaways
• Guns N’ Roses

Pros:

• Best welcome bonus on the market
• High RTP compared to other casinos
• Competitive rewards program
• Expanding library of games
• Responsive mobile app

Cons:

• Not many ongoing promotions
• Better for high rollers instead of casual players

BetMGM Casino

BetMGM stands as the highest payout online casino when compared to other online sites. Like other reputable top payout online casinos, they use random number generators to ensure all slots and casino games give a fair chance to players. What I love most about this best payout online casino, launched in 2018, is its high percentage of payouts with a whopping 98.3%. This along with their welcome bonus of deposit matches up to $2,500 make it one of the best payout online casinos for new and seasoned players alike!

Their giant casino library has over 2,000 titles, live casino games, and more. This is truly a kingpin for top payout online casino sites. However, it continues to grow and add more features like a rewards program!

Top payout games here include:

• Starburst
• 88 Fortunes
• Divine Fortune
• and more!

Pros:

• Wide range of games including live dealer games, table games, progressive slots, and online slots
• Offers various banking options
• Funds available within 24 hours

Cons:

• A difficult-to-navigate mobile app for some players
• Hard to explore casino games often

FanDuel Casino

FanDuel Casino is home to over 600 exciting games and is now considered one of the highest paying online casino sites! Launched in 2009, it quickly spread in 2021 to states including West Virginia, Connecticut, Michigan, Pennsylvania, and New Jersey! You can enjoy sports betting along with top slots, live casino games, and a competitive welcome bonus that offers 350 bonus spins and $1,000 back in bonuses if you’re down after your first day. A payout rate of 95.6% makes your experience online all the more rewarding.

High payout casino games here include:

• MegaJoker
• Blood Suckers
• Reel Rush

Pros:

• Offers live dealer games and progressive jackpots
• Competitive welcome bonus with free spins
• Licensed by the Michigan Gaming Control Board
• Available in several states including MI, NJ, PA, WV

Cons:

• Smaller gaming library compared to other casinos
• Lack of numerous promotions

BetRivers Casino

BetRivers is well-known and loved. It is one of the earlier US casino sites that launched in 2016! With progressive jackpot slots, exclusive titles, and unique live casino games, it’s no wonder BetRivers is a staple in the casino industry. Their current welcome bonus is quite the reward, with a 100% deposit match of up to $250. A 97.61% payout rate means every game pays back, even just a little bit! Mobile players can rejoice knowing they have a beautifully designed and updated mobile online casino app, too. Casino games here are varied, and include a library of over 2,500 games!

Slots with top casino payouts include:

• Starmania
• Mega Joker
• Blood Sucker

Pros:

• Huge library of casino games and unique live casino games
• Well-established and trusted
• Various payment methods
• Intuitive mobile app and desktop site
• Offers both sportsbooks and casino betting

Cons:

• Lower RTP compared to other online casinos
• Welcome bonus on the lower end

Bet365 Casino

Bet365 might seem unassuming as an online casino at first glance. With just over 120 slots and almost 500 games, this top casino payout platform doesn’t seem like it would reward players. On the contrary, it has one of the highest percentage of payouts, with 96.15% of wins given to players! You can find just about all the classics here, including live casino games, blackjack, video poker, roulette, and more! Launched in 2018, this beloved casino online is ready to take on more players. Its best payout games put it among the best casinos for seasoned and new players alike! A fun welcome bonus of 20 free spins means you can check this site out now!

Highest-paying slots include:

• Starmania
• MegaJoker
• Twin Spin

Pros:

• Easy to navigate site
• Offers high RTP Slots
• Includes live casino game titles
• Safe and licensed by the NJ Division of Gaming Enforcement

Cons:

• A smaller game library
• Welcome bonus of free spins is confusing to understand for new players

The Best Paying Online Slots

From its looks, it’s clear that NetEnt is by far the most dominant provider in terms of high-paying online slots. With half the slots on this list, it’s no surprise that NetEnt is considered one of the best and most reputable game providers in the industry. In fact, you’ll see it providing slots in all of our top-paying online casinos! This includes new casino online platforms and more established casino gaming providers.

But it’s not just about the provider, as evidenced by OneTouch’s Ryse of the Mighty Gods slot with an impressive 99.1% RTP. This ancient Greek-themed slot offers players a chance to win big with a massive 262,144 ways to win! While its developer isn’t as well-known as NetEnt, OneTouch has definitely proved its worth with this high-paying slot.

Other notable slots on the list include Blood Suckers, which is an older but beloved title by NetEnt. The graphics are reminiscent of the cult-classic movie “Interview With a Vampire.” This slot boasts an impressive 98% RTP with special features like 10 free spins and a 3x multiplier. While it is low volatility, waiting to hit it big with a 50x multiplier during the free spins round makes it all worth it!

Other classics on this list I found commonly offered at sites like Bally and Borgata include Starmania and White Rabbit Megaways. While all of these slots have different themes and bonuses, one thing is certain — they’re extremely rewarding! With RTPs ranging from 97-98%, they give players the highest chances to win big and, most importantly, have a memorable gaming experience.

Other High Payout Casino Games

Slots are by far the easiest casino games to determine how much they pay out (and how much you’ll win). That’s because online slot games and sites usually list the RTP as part of the slot description. But what about table games like poker, roulette, or blackjack?

Among these, blackjack is one of the highest paying casino games, with an average RTP of 99.63%! That’s more than any slot listed in this review. But, blackjack and other high-paying casino games, like poker, often require intense skill. This means that to get the highest payouts, players must have a strong understanding of the game and know how to use different betting strategies. In blackjack, for instance, knowing when to hit can make all the difference. It’s not just about luck, but also skill.

Roulette, on the other hand, is a game of pure chance with an average RTP of 97.3%. This means that no matter how much skill or strategy you possess, it ultimately comes down to luck when playing roulette. However, there are variations of roulette, such as European and French roulette, that offer slightly higher payouts than American roulette.

Tips on How to Increase Winning at Online Casinos

While the house edge for a casino (between 2-35) will always remain king, certain games offer better chances for players to win big. Developing a good strategy and understanding the odds and RTPs of different games can make it easier to walk away with big wins. Here are some tips that can help you increase your chances of winning at online casinos:

• Choose games with high RTPs: As mentioned earlier, games with higher RTPs offer better chances for players to win. While high RTPs don’t guarantee a win, it does guarantee a game is proven to be more in your favor over time.
• Take advantage of bonuses and promotions: Online casinos, especially the ones I’ve listed here, offer various bonuses and promotions to attract new players and keep existing ones. Take advantage of these offers, like welcome bonuses, to increase your bankroll and even minimize your losses with money-back guarantees.
• Understand the game before playing: Developing a good poker face and mastering the strategy of blackjack are some of the many skills you can perfect with practice. Take time to learn the rules and strategies of a game to increase your chances of winning.
• Set a budget and stick to it: It’s important to have a budget in mind when playing at online casinos. This will prevent you from overspending and potentially losing more money than intended. Stick to your budget and don’t chase losses by increasing your bets!

Authorities that Check the Percentage of Payouts

The casinos listed in this review are licensed and regulated in the state where they’re legal. However, they’re also monitored and checked by authorities to ensure fair and transparent gameplay for players. Of these authorities, perhaps none is more well-known than eCOGRA. This independent testing agency regularly checks and verifies the percentage of payouts at online casinos to ensure their accuracy. They also audit the randomness of games to guarantee that all players have equal chances of winning.

Other reputable authorities that check the payout percentages include Gaming Laboratories International (GLI), Technical Systems Testing (TST), iTech Labs, and SQS. You can see their stamps of approval on the casino sites by navigating to the bottom of their homepage. The most secure online casino platforms will have eCOGRA or other stamps of approval. In my years of playing online, I’ve always had positive experiences with online casinos with a third-party gaming lab stamp of approval.

Get the Best Online Payouts!

These real money online casinos make it easy to play your favorite casino games without worrying about losing your hard-earned cash. They offer tempting welcome bonuses, like that provided by BetMGM, high RTP slots, such as those at BetRivers, and ongoing promotions. These best paying online casinos are great to help players stick to their budget and still win big. Sign up today to see which one rewards you the most, and check out our other casino reviews too!