Credit and debit cards, along with prepaid cards and international gift cards, are among the most popular online casino deposit methods available at the top Internet casinos operating overseas. However, they have some caveats to be aware of, even as all the most reputable legal gambling operators support such payments.
If you want to join any of the best 18+ Mastercard casinos, you can do so quickly, safely, and legally if you live in the United States, and Mastercard deposit options are all accepted. When you deposit with Mastercard online, you’ll be able to play your favorite electronic casino games from anywhere, anytime, and you’ll get a wide selection of valuable gambling bonuses to choose from.
As the old slogan says, “There are some things money can’t buy. For legal online gambling, there’s Mastercard!”
Best 18+ And Up Online Casinos That Accept Mastercard In 2024
All of the following casinos for 18+ players accept Mastercard deposits as a matter of course, making it simple to get your account loaded up in a hurry so you’ll never miss a crank of the slots, a hand of video poker, or that huge blackjack tournament.
Each site accepts every kind of Mastercard offering, from credit and debit cards to secured Mastercard (i.e. prepaid Mastercard) options and even Mastercard gift cards rated for international transactions. Fees are minimal and often waived for first-time deposits, and there’s no faster way to pull up a seat at the digital felts!
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Different Types Of Mastercards
There are four primary classes of Mastercard offerings, and all the most trusted 18 and up Mastercard casinos accept each one.
For the most part, depositing with these requires the same general steps and comes with the same basic terms, conditions, fees, and overall success rates.
So regardless of the kind of Mastercard you have, you can make online gambling deposits the same way you would use your card to buy anything else over the Internet!
Mastercard Credit Cards
Basic Mastercard credit cards are still the primary way that most 18 and up gamblers get their online betting accounts loaded up. While many players are gravitating towards Bitcoin deposits and other cryptocurrency transactions, Mastercard is so commonly used in everyday life that most players rely on it for their online gaming needs, as well.
That said, due to the UIGEA banking law in the US, Mastercard deposits are sometimes automatically rejected when used for transferring money into your gambling wallet. This happens about 5% of the time.
Please note that even if your card is declined, you have done nothing wrong. This is an automated system, and if your charge doesn’t go through, simply wait a few minutes or try a different funding method like a Visa gambling deposit or American Express transfer.
Mastercard Debit Cards
Mastercard debit cards, for all intents and purposes, work the same way as credit cards at the 18 and up online casinos we recommend. They come with the same general fees (see below), and the UIGEA delays or declines such transactions at roughly the same rate (5%).
Nevertheless, debit cards are extremely popular among younger adults, and this means that many 18+ gamblers use Mastercard debit solutions for topping off their betting bankrolls. Transactions are instantaneous, as well, which means that you’ll be able to play all your favorite games in a matter of moments once you’ve submitted your payment to your site Cashier.
Note: If the UIGEA does block a Mastercard debit transfer to your chosen casino site, just wait a few minutes and try again. Alternatively, you can think about making a crypto deposit (Bitcoin, Bitcoin Cash, etc.). If you don’t already hold any BTC, you can use the Zelle-to-Bitcoin process to rapidly acquire cryptocurrency for online gambling.
Mastercard Prepaid Cards
Prepaid Mastercards, aka secured Mastercards, are used primarily for helping young adults build credit. However, despite this, they are a viable and trustworthy banking option at the best online casinos for 18 and up players.
Still, we must point out that you should be very careful when using such cards, as building your credit history is extremely important, and it’s a bad idea to go over your limits for the sake of online casino gambling.
As long as you stick to your limits and don’t wager more than you can afford to lose, gambling over the Internet with a Mastercard prepaid or secured card option is a useful way to regularly build your credit.
Secured/prepaid Mastercard deposits come with the same fees and have the same general success rates as credit and debit cards at the best online gambling venues.
Mastercard Gift Cards
In terms of reliability, gift cards are the best Mastercard gambling deposit options. Because these are already loaded up and primed for online purchases of all kinds, the UIGEA does not typically block these transactions as often as it does when using the above Mastercard types.
You may find your transfer suspended or declined perhaps 1-3% of the time, if ever when using gift cards from Mastercard.
That said, there is one important Mastercard restriction to be aware of when using gift cards for bet funding, and that’s that your card must be valid for international transactions.
Not all Mastercard gift cards are rated for overseas purchases, which is why you need to ensure that the card you choose can actually be accepted by offshore gambling sites for 18+ players.
Banking Options For 18+ MC Casinos
Depositing with any kind of Mastercard comes with several things to be aware of, but the process is easy and simple. The top 18+ real-money casinos offer many benefits for Mastercard deposits, and the terms and conditions that come with such transfers are straightforward and easy to understand.
Mastercard Gambling Deposits
The first step when making an account at any online gambling site is to deposit funds into said account. After all, you can’t bet with money you don’t have!
To that end, you can use your Mastercard either during the online gambling account sign-up process itself or anytime afterwards by visiting your site’s Cashier page and selecting the Mastercard option.
Once at the deposit screen, simply enter all the requisite information, including your Mastercard number, the expiration date, your name, and billing address, and so on. When the transfer goes through, you’ll be able to play all the hundreds of online casino games and live dealer casino games on offer.
If you’ve ever used your Mastercard to make any online purchase, the process is effectively identical at any reputable 18+ betting site.
Mastercard Gambling Withdrawals
While Mastercard chargebacks were originally used by the best casino sites to handle payouts, the UIGEA has disrupted this.
While it might be acceptable for depositors to have their cards rejected on rare occasions, online casinos are dedicated to making the payout process quick, simple, and 100% reliable. As a result, card chargebacks are no longer supported.
However, there are several other ways to claim payouts once you’ve deposited via Mastercard, including:
- Bank Wires
- Money Orders
- Courier Checks
- Player Transfers
- Gambling Vouchers
Each of these come with various processing fees to be aware of, though they are all minimal, and most methods take 3-5 days for your money to show up stateside.
Note: The fastest-paying online casinos will give their customers one free check withdrawal every 90 days or so, so if you plan ahead and don’t need your payouts immediately, you can avoid extra fees by going this route.
Mastercard Deposit Limits Used By Most Online Casinos
Each betting site has its own banking limits, which are clearly advertised on their Cashier pages. These limits range from about $1500 all the way up to $5000 for Mastercard gambling deposits, which are more than adequate for the vast majority of 18+ players.
If you need to deposit more than this at any one time, we recommend Bitcoin, altcoins, or bank wire transfers.
Mastercard Gambling Fees
As with the above limits, every 18 and over gambling site online has different fees associated with different deposit types. However, as a general rule, these sites do not charge added fees for Mastercard-based deposits.
Still, the card issuer (or issuing bank) typically will charge a transfer fee on Mastercard transactions. These also vary, but they’re usually 3-7%.
Additionally, you may also incur an international transfer fee depending on the type of Mastercard you use, so be sure to check your card’s terms and conditions for overseas purchases.
18 And Up Mastercard Online Casino Bonuses Offered In 2024
Bonuses are the name of the game at the best online casinos, and deposit promotions are one of the main ways these top-rated gambling sites compete with one another for your business.
When you deposit with a Mastercard of any type, you will be eligible for your site’s standard bonus options, which comprise the following:
- New Member Bonus – 100-300% Deposit Match Up To $500-3000
- Returning Member Reload Bonus – 100-300% Deposit Match Up To $500-3000
- Refer-A-Friend Bonus – $100 For Every Referral
In addition to the above, many sites also have seasonal promos, weekly slots bonuses, game-specific bonuses (blackjack bonuses, video poker bonuses, etc.), no-deposit online gambling bonuses for new members, and so on.
Also, all online gambling bonuses come with rollover requirements, aka playthrough requirements. To fulfill these requirements, you have to bet a certain amount of money before being eligible to withdraw any winnings associated with the optional bonuses you accept.
The most reputable 18+ casinos online all set their rollover requirements at easy-to-meet, attainable amounts, so we recommend accepting such promos whenever they’re offered.
Mastercard Gambling Restrictions At 18+ Online Casinos
As with all bank-regulated transfer options, there are Mastercard restrictions to be aware of. Usually, these have to do with whether or not your card is allowed to be used for international transactions and whether or not you can use your Mastercard to buy goods and services in particular countries.
Fortunately, all the top casinos we recommend are headquartered in nations where Mastercard is widely accepted, so you should have no problems in either regard. Otherwise, the only real restriction to be aware of is the United States UIGEA banking regulation.
Federal UIGEA Law
The UIGEA is the main US gambling banking law that impacts Mastercard deposits. Passed in 2006, this law prevents domestic banks and financial institutions from knowingly processing payments to and from non-US-regulated online gambling operations.
However, it is important to note that the UIGEA does not criminalize online bettors in any way, and the effect of the law is merely that it causes card-based transactions to occasionally be declined when attempting to send money to your online 18+ gambling site of choice.
If the UIGEA interrupts any Mastercard transaction, you can wait a short while and try again, use a different card or card type, or opt to deposit via cryptocurrency.
How To Deposit With Mastercard At 18+ Online Casinos
If you’ve not used a Mastercard to fund your online gambling before, each of the reputable casino sites listed here will walk you through the process. However, in general, we can break down the procedure here so you know exactly what to expect:
- If you haven’t already, follow the links on this page to 18+ online casino listed here and click or tap the “Join” or “Sign Up” button.
- From there, you will enter your verifiable personal information. Remember, these sites are lawful and legit, which means they use industry-standard KYC (Know Your Customer) protocols. Please do not use a VPN when accessing any reputable online gambling site.
- Select the Mastercard deposit option and enter your card information.
- Select an optional bonus.
- Submit your payment.
That’s really all there is to it. If you’re already a member at any of these sites, of course, you can make Mastercard deposits by selecting the appropriate option via your site’s Cashier page.
18+ Mastercard Casino FAQs
Does Mastercard allow online gambling at 18 and up casinos?
Mastercard neither allows nor disallows online gambling, as the company is not related to the industry in any way.
That said, all the casinos listed here legally accept Mastercard deposits, which means you will be breaking no rules or Mastercard Terms of Service by using your card for online bet funding.
What is the best Mastercard for online casino gambling?
Honestly, there is no best Mastercard for gambling online.
To deposit into your betting account, you can use a standard Mastercard, Gold Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, World Elite Mastercard, Mastercard gift cards, prepaid Mastercards, and more.
As long as your card is rated for international transfers, it can be used as normal.
Is Mastercard accepted everywhere?
Pretty much, yes.
Mastercard is currently accepted in 210 countries worldwide, including all the countries where the best 18 and up gambling sites are based.
What is the difference between Visa and Mastercard?
Not a whole lot.
Mastercard rewards and Visa rewards are very similar, both brands charge similar fees and interest rates, and they both offer the same types of cards in general.
This one comes down to personal preference, and the top gambling sites accept both brands.
Can you use a MC gift card online at 18+ gambling sites?
Absolutely, provided the gift card is rated for international transactions.
Mastercard gift cards are our preferred way to deposit with Mastercard thanks to their higher success rates compared to other Mastercard options.
Do 18+ online casinos accept Vanilla Mastercard?
Yes. Vanilla Mastercards are branded Mastercard prepaid or gift card options.
As long as it’s valid for international purchases, you can use your Vanilla Mastercard at any reputable online casino.
Can you use a prepaid Mastercard online for casino gambling?
Yes, you can. Prepaid Mastercards are accepted by all the best Internet casino sites, so long as they’re good for international transfers.
That said, please remember that prepaid or secure Mastercard options are designed to help you build credit, so you’ll want to be careful with your spending limits (which is actually good advice for all online gambling).
Is Mastercard accepted in Europe for international 18+ casino players?
Yes, Mastercard is accepted all across Europe, and all the top casino sites that accept European players also accept Mastercard deposits.
How do I apply for a Mastercard credit card?
To apply for a Mastercard, please visit your bank’s website or the Mastercard official website for more information.
The process is simple and takes just a few minutes.
What are the Mastercard chargeback rules for online gambling payouts?
While Mastercard has no specific chargeback rules for online gambling, none of the most highly rated 18+ casinos uses chargebacks to handle payouts anymore.
This is due to the UIGEA federal banking regulation, and there are several effective and efficient payout alternatives at the best betting sites.
*Disclaimer: The Mastercard casino banking option may be used for legal online gambling. However, Mastercard is not affiliated with and does not endorse this or any other online gambling resource or service.