Updated by Joss Wood
Commercial Editor
Fact Checked by Lee James Gwilliam
Senior Vice-President
Real money online casinos let you experience the excitement of gambling from the comfort of your home. But with so many options available, how do you know which sites are safe, legal, and worth your time? That’s where I come in.
I’ll help you understand how real money casinos work. On this page, I cover licensing authorities, fairness, bonuses, deposits, withdrawals, and more. With this knowledge, you’ll be able to make a confident, informed choice before placing your first wager.
When you're ready, I’ll guide you to the best real money casinos—all fully licensed, highly trusted, and offering a premium gaming experience.
Real money online casinos are legal in only six U.S. states. They include New Jersey, Pennsylvania, Michigan, West Virginia, Delaware and Connecticut. These states have passed laws meant to regulate online gambling.
These laws ensure that players can gamble safely under state oversight. However, laws regarding online casinos vary with each state, and many states still prohibit or have yet to regulate the industry.
When it comes to the legality of real money casinos, one must consider state and federal laws.
State Laws: States have the legal authority to regulate all forms of online gambling within their borders. They set the guidelines on licenses, regulatory requirements, taxes, and so forth.
Federal Laws: The Unlawful Internet Gambling Enforcement Act (UIGEA) was ratified in 2006. It prohibits financial institutions from processing transactions related to illegal online gambling. It does not make any act of online gambling illegal.
The Wire Act of 1961 was used, at one point, to restrict forms of gambling across state lines. However, this was amended so it mostly applies to sports betting.
As of 2025, six states have created laws that make real money online casinos legal. Each of these states' laws vary. As long as you are within the state lines, and of the legal age, you can access real money games.
A legal real money casino will operate under a state license. They're legally obligated to provide consumer protection. This includes assistance with dispute resolution, responsible gambling resources, and secure payment processing. They must also ensure they are exhibiting fair player practices and allow third parties to regularly audit their games.
Offshore sites operate in jurisdictions outside of the U.S. Some of these online casinos are regulated in respectable jurisdictions. However, they're not accessible to US players. Others operate in rogue jurisdictions, also known as rubber stamp jurisdictions. They are unable to provide the same level of safety or security. For these reasons, we never ever recommend offshore casinos.
Each licensing jurisdiction creates, upholds, and even amends the rules and regulations. In the U.S., these authorities tend to have similar practices. For example, they all ensure player protection.
Below is an example of a sampling of licensing authorities. As you can see, playing online casinos for real money within a state is much safer.
Licensing Authority | Regulation Strength | Payout Guarantees | Player Protection *Not limited to |
---|---|---|---|
New Jersey Division of Gaming Enforcement (NJDGE) | Strict | Guaranteed | Strong dispute resolution, responsible gaming tools |
Pennsylvania Gaming Control Board (PGCB) | Strict | Guaranteed | High player security, rigorous testing of casino software |
Michigan Gaming Control Board (MGCB) | Strict | Guaranteed | Enforces fair play, handles complaints effectively |
Curacao eGaming | Lenient | Not Guaranteed | Limited player protection, slow response to disputes |
Costa Rica Licensing | Very Lenient | Not Guaranteed | No real regulatory oversight, high risk for players |
Licensed real money online casinos provide essential player protection. They follow strict regulations on security, fairness, and responsible gambling. One of the biggest advantages of playing at a regulated site is guaranteed payouts. Gambling authorities ensure that casinos pay players fairly and on time.
Additionally, licensed casinos use Random Number Generator (RNG) technology. This is how they maintain fair gaming, ensuring that the results are truly random and not manipulated. If a dispute arises, players have the right to file a formal complaint with the regulator, offering an extra layer of security and recourse.
To verify whether a casino is licensed, start by scrolling to the bottom of every operator's website. There, you should find the logo of a reputable licensing authority. Next, click the license number (if available) or cross-check it on the regulator’s official website. Lastly, always search online reviews to see what other players are saying. Check for any reported scams or unfair practices.
Rest assured, any site you see on Casinos.com is licensed by state regulators. It is a legal, safe place to play real money casino games.
As you might be aware, many different types of casinos are available in the US. 44 states have some form of brick-and-mortar land-based casino, whether tribal, commercial, or both. You can stake your hard-earned cash and immerse yourself in the exciting land-based gambling experience. The downside, however, is it takes time and effort to travel to these venues.
The convenience of online real-money casinos sets them apart from their land-based counterparts. You can still wager real money on your favorite games, you can do so from the comfort of your couch. These sites also offer around-the-clock gaming and a wide range of games to enjoy.
Next, US social casinos and sweepstakes casinos mirror real money sites in many ways, but the cash element is removed. These sites aren’t categorized as “gambling” since you don’t play with real money.
Instead, you use virtual currency to power games. You can collect free coins through bonuses or by purchasing coin bundles at sweeps coins casinos.
This means that the key factor separating real money casino platforms from the rest, once again, boils down to the involvement of real funds. It really is that simple. You can still win real-life prizes and gift cards at sweepstakes casinos. That said, they pale in comparison to the real-money winning potential at real-money casinos online.
The term ‘gambling’ covers a wide range of activities in both an online and offline setting. Examples include sports betting, lotteries, casino gaming, bingo, poker, and more.
Yet, while the act of gambling differs across these forms, there’s always the act of making a real money wager in the hope of gaining a return on your stake. In a nutshell, that’s what gambling is, and the thrill experienced from risking our hard-earned dollars is enjoyed by many.
In the USA, however, not all types of gambling are legal or accepted across all individual states. As I mentioned earlier, online casino real money sites are only available in just a small number of states. However, other forms of betting, such as sports betting and lotteries, are more widely available.
If there were a magic recipe for guaranteed success in online gambling, we’d all have a few extra bucks in our account and then some! But unfortunately, there isn’t. Casino games like slots online, table games, and live dealer titles are games of chance, meaning there is nothing you can do to influence outcomes.
However, that doesn’t mean there aren’t certain strategies you can implement. The ultimate goal here is to extend your bankroll and improve your chances of scoring a big win.
Check out some of my top tips below:
Ask any professional gambler, and they will tell you that effective bankroll management is important. That’s because losing streaks are inevitable at some point when playing real money games.
So you’ve got to be able to ride those out and learn to stake the right values at the right times. As a general rule of thumb, you’ll never want to risk more than you can afford to lose. That’s because a few consecutive losses could wipe you out if going too big!
All real money games have individual odds and RTP values that tell you what you can expect when playing them. Odds show you what returns you could get by making certain bets.
Also, RTP reveals what percentage of all bets a game pays back to its players (on average). By learning these values and picking out games with favorable odds and RTPs, you can avoid those that could rapidly deplete your balance.
Almost all the best online real money casino sites offer big casino bonuses. These tend to include deposit matches, free spins, cashback, and more through VIP or loyalty schemes.
The more you take advantage of these, the more you can boost your bankroll. Therefore, you reduce your overall risk when playing real money games. For example, if you grab 50 free spins and use them on a top slot game, you get 50 free shots to land a payout without dipping into your real-money casino balance.
Lastly, as long as you’re willing to take the time to register at several casinos, this strategy is one we recommend for all ambitious gamers. By joining multiple casinos, you broaden your access.
The number of available bonuses, games, and VIP/loyalty incentives will increase. This way, you get the luxury of picking and choosing the most competitive bonuses and cast a much wider net in the games you can play.
Discover more on the most popular real money games. When you are ready to play, an assortment of bonuses are available. These vary in size, may include free spins or your first losses back,
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Let’s be honest: we all believe we will be the ‘chosen one’ to land a scorching payout at real money casinos. Whether that’s through slots, jackpots, live dealer gaming, table games, or another category, we all want to hit the money shot. Regardless of whether we do or not, the foundation of this activity gives us lots of excitement and is a source of entertainment.
That said, I’d like to quickly cover some of the key game categories you’ll encounter at real money casino USA.w
Slots remain the most popular real money casino game of all time. The best real money casino platforms offer thousands of them, literally! And they come in all shapes and sizes — jackpots, 3D slots, old-school arcade slots, megaways, and more.
These are also the easiest of all casino games to play, as they require no real skill. All you need to do is hit a button to spin the reels and see if the symbols fall in your favor.
We also want to showcase a few awesome games you should try. We recommend Starburst, Immortal Romance, Book of Dead, and Mega Moolah for an immediate thrill.
In contrast to online slots, table games require some brain power to play for real money and potentially win some cash. While this takes a bit of patience if you’re a beginner, once you’ve mastered the basics, you’ve got a wealth of games to try under this category. Again, let me take you through the main examples.
The game of 21, blackjack is a fan favorite at online casinos. The goal is to amass a hand total as close to 21 as possible without running over, and your cards dictate your score. But be careful — you need to be closer than the dealer to win.
Popular variations of the game are also available at blackjack sites. They include:
We mentioned that table games often have rules you must learn before playing, but roulette takes a different spin on that - no pun intended. Sure, it has basic rules about what you can bet on and the related payouts.
However, at its heart, roulette is truly a game of chance. That's people love having options like American Roulette, European Roulette, and Lighting Roulette. In this casino classic, you’ll need to predict in which numbered pocket a ball will land on the roulette wheel.
Baccarat also uses a blend of point totals, cards, and super simple bets. In this traditional table game, you essentially wager on whether the player or the banker will get a score closer to 9. However, further wagers might be necessary in the event of a tie, making it a fun and somewhat unpredictable game.
Variations like Speed Baccarat, Dragon Tiger, and Live Baccarat remain popular choices at real money sites. The average RTPs are above 98%, so the return over time in baccarat is excellent.
Live dealer gaming is one of the most immersive products available on online real money casino sites. In a nutshell, live dealer gaming combines the excitement of real-life gambling with the convenience of online gaming.
In other words, you'll never need to step outside of your front door! That’s because top live dealer games stream to your device from studios all over the globe.
Titles like Lightning Roulette, Side Bet City, Casino Hold’em, and Crazy Time rank as some of the best live dealer games in the business.
When playing at an online casino, you’ll often have the choice between real money games and free demo games. Both offer exciting gameplay, but the experience—and the stakes—are completely different.
Real Money Games: Play & Win for Actual Cash
Real money casino games require a deposit and actual wagers, but they also give you the opportunity to win real cash prizes. Whether you're playing slots, blackjack, roulette, or live dealer games, every spin or hand has financial stakes.
It goes without saying that real-money casino gaming is very different from playing for free. Each form of online casino gaming has its fair share of advantages and disadvantages. I feel that highlighting these is important so you can choose the best route to take.
With real money casino games, there's always the chance of hitting the jackpot or making a profit. However, there is no such thing as a free lunch in the gambling industry. I say that because the chance of financial gain comes with the possibility of financial loss, too.
Yet, those who love real money casino gaming will argue that this is where the excitement stems from. Then again, you’ll no doubt have your own list of reasons that guarantee the ‘fun factor’ for this particular category.
As shown by the description of free casino gaming, you are totally protected against financial loss when playing games in demo mode. You can play free slots for fun and test different strategies without risking a cent. That said, you never get that adrenaline rush that often accompanies a real money wager.
Free demo games will let you play with virtual credits. Many real money casinos, such as Golden Nugget, will feature a selection of these games. We also host 3,000+ free slots right here at Casinos.com.
These demo games offer the same gameplay and mechanics as their real money counterparts. This is what makes them a fantastic option to learn the rules, strategies, or just have risk-free fun. You cannot win any real money from free demo games.
If you have never played real money games, I do recommend trying some free games first. There is really no better way to get a feel for how things work. As soon as you are ready, you can switch to real money games.
If you're new to online gambling, free games are a great way to practice before betting real money. Once you’re comfortable with the gameplay, switching to real money games gives you the excitement of winning actual cash rewards.
In the US, real money online casinos must offer all players responsible gambling practices. Playing real money games should always be fun and entertaining, but it’s important to stay in control. Setting limits and knowing when to step away can help prevent unhealthy gambling habits.
All licensed sites will provide you with tools to help you manage your gameplay. For example, you will see:
Ideally, you should start to use these tools before you wager any real money. This is just smart gambling and will help you to stay within your budget.
All states with real money casinos offer self-exclusion programs. Generally, these require you to visit the states' regulatory website and download a form. Complete this and email or re-submit it for the self-exclusion to start. Once you have signed up, you will be banned from all casinos in the state for a selected period of time (typically 6 months to 5 years).
Most licensed sites also allow you to block yourself from gambling. This usually includes set periods of time, that are selected for 3 months to 1 year.
Joss Wood has over a decade of experience reviewing and comparing the top online casinos in the world to ensure players find their favorite place to play. Joss is also a specialist when it comes to breaking down what casino bonuses add value and where to find the promotions you don't want to miss.
Read Full BioIn our opinion, BetMGM stands out as the absolute best real-money online casino available in the USA market today. With its premium platform boasting an exceptional gaming portfolio, this site truly excels as a top choice for avid players. Moreover, BetMGM also offers lucrative bonuses and a host of additional perks/advantages.
There's no definitive strategy to emerge victorious at any online casino real money USA site. That's why it's worth noting that luck plays a pivotal role in determining your success. Of course, winning is very possible if luck is on your side.
To enjoy any real money casino online, you must select a site, sign up, and verify your details for full account access. Once you’ve placed a real-money deposit, you may enjoy the respective range of games on your preferred device.
Individual casinos support various payment methods. Generally speaking, you can use debit/credit cards, e-wallets, prepaid cards, ACH, and more at modern US online casino sites.
No. As long as you stick with reputable and licensed real money online casinos, like those recommended on this page, this isn’t something to worry about. These sites have been vetted for their legal status, trustworthiness, and general safety features.
Yes. While real money casinos have a degree of financial risk, they also offer opportunities to win real money. Of course, this shouldn’t be banked on since casino games rely on random chance, and there is nothing you can do to influence game outcomes.
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