U.S. States That Have Banned Credit Cards for Sports Betting
Kindbridge Behavioral Health’s (KBH) sibling organization Kindbridge Research Institute (KRI), is a leading nonprofit organization dedicated to advancing research and solutions in behavioral addiction and mental health challenges. In the spring of 2025, KRI launched the Financial Stability and Responsible Gambling Initiative, the first coordinated effort in the United States to confront gambling-related financial harm as a public health issue.
In a joint effort between the two organizations, we are dedicated to educating individuals on key matters related to financial stress – which is intrinsically linked to mental health – with a focus on casino gaming and sports betting. The use of credit cards to gamble is innately connected to the issue, which has covered extensively in the linked article titled “Can I Use My Credit Card on Gambling Sites”. In the article, is discussion about how credit card issuers disincentivize the practice by often blocking gambling transactions, and when permitted, treats gambling transactions as cash advances. Cash advances generally come with transaction fees, higher interest rates, and zero grace periods (the time between the end of a billing cycle and the payment due date) for those higher interest rates. The article also goes on to explore that in recognizing that rates/fees are not enough to deter habitual gamblers from using credit and getting into debt, select U.S. state gambling regulators have issued statewide bans on the acceptance of credit cards as forms of payment for online sports betting. Adding a layer of nuance to the discussion about where credit cards are banned for gambling on sports, is that sports betting is not regulated in all U.S. states, and that leading online sportsbook, DraftKings, stopped accepting credit cards on its platform as of August, 2025.
So where exactly are credit cards officially banned for gambling in states that regulate sports betting, in comparison to states where the query is disqualified due to sports betting being illegal? To provide clarity, Kindbridge has put together a U.S. map detailing where the former is the case, followed by a breakdown of the related laws per U.S. state. Check back every fiscal quarter as as we update the map as more regulators initiate credit card bans for gambling on sports.
Credit Card Laws for Sports Betting by State
Alabama
It is not legal to use credit cards to gamble on sports in Alabama, because online sports betting is not regulated in Alabama.
Alaska
It is not legal to use credit cards to gamble on sports in Alaska, because online sports betting is not regulated in Alaska.
Arizona
It is legal to use credit cards for online sports betting in Arizona with regulated gambling sites that accept them. However, credit card issuers in Arizona often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
It is not legal to use credit cards to gamble on sports in Alaska, because online sports betting is not regulated in Alaska.
Arizona
It is legal to use credit cards for online sports betting in Arizona with regulated gambling sites that accept them. However, credit card issuers in Arizona often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Arkansas
It is legal to use credit cards for online sports betting in Arkansas with regulated gambling sites that accept them. However, credit card issuers in Arkansas often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
It is legal to use credit cards for online sports betting in Arkansas with regulated gambling sites that accept them. However, credit card issuers in Arkansas often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
California
It is not legal to use credit cards to gamble on sports in California, because online sports betting is not regulated in California.
It is not legal to use credit cards to gamble on sports in California, because online sports betting is not regulated in California.
Colorado
It is legal to use credit cards for online sports betting in Colorado with regulated gambling sites that accept them. However, credit card issuers in Colorado often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
It is legal to use credit cards for online sports betting in Colorado with regulated gambling sites that accept them. However, credit card issuers in Colorado often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Connecticut
It is legal to use credit cards for online sports betting in Connecticut with regulated gambling sites that accept them. However, credit card issuers in Connecticut often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
It is legal to use credit cards for online sports betting in Connecticut with regulated gambling sites that accept them. However, credit card issuers in Connecticut often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Delaware
It is legal to use credit cards for online sports betting in Delaware with regulated gambling sites that accept them. However, credit card issuers in Delaware often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
It is legal to use credit cards for online sports betting in Delaware with regulated gambling sites that accept them. However, credit card issuers in Delaware often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Florida
The Seminole Tribe’s Hard Rock Bet website and app the ONLY legal sports betting option for Floridians. The website FAQ at hardrock.bet/florida/ states "Visa, MasterCard, and American Express are supported".
The Seminole Tribe’s Hard Rock Bet website and app the ONLY legal sports betting option for Floridians. The website FAQ at hardrock.bet/florida/ states "Visa, MasterCard, and American Express are supported".
Georgia
It is not legal to use credit cards to gamble on sports in Georgia, because online sports betting is not regulated in Georgia.
It is not legal to use credit cards to gamble on sports in Georgia, because online sports betting is not regulated in Georgia.
Hawaii
It is not legal to use credit cards to gamble on sports in Hawaii, because online sports betting is not regulated in Hawaii.
It is not legal to use credit cards to gamble on sports in Hawaii, because online sports betting is not regulated in Hawaii.
Idaho
It is not legal to use credit cards to gamble on sports in Idaho, because online sports betting is not regulated in Idaho.
It is not legal to use credit cards to gamble on sports in Idaho, because online sports betting is not regulated in Idaho.
Illinois
Credit cards are banned for gambling on sports in Illinois. In April of 2025, the Illinois Gaming Board made Illinois the seventh state to ban credit cards for sports wagering. Illinois already prohibits credit card use for casino and digital gambling.
Indiana
It is legal to use credit cards for online sports betting in Indiana with regulated gambling sites that accept them. However, credit card issuers in Indiana often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Credit cards are banned for gambling on sports in Illinois. In April of 2025, the Illinois Gaming Board made Illinois the seventh state to ban credit cards for sports wagering. Illinois already prohibits credit card use for casino and digital gambling.
Indiana
It is legal to use credit cards for online sports betting in Indiana with regulated gambling sites that accept them. However, credit card issuers in Indiana often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Iowa
Credit cards are banned for gambling on sports in Iowa. The Iowa Racing Gaming Commission September 2025 press release titled "Online Gambling Scams and Illegal Operators" stipulates that per Iowa law, a licensed casino or sports wagering operator shall not accept a credit card for wagering.
Kansas
It is legal to use credit cards for online sports betting in Kansas with regulated gambling sites that accept them. However, credit card issuers in Kansas often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
It is legal to use credit cards for online sports betting in Kansas with regulated gambling sites that accept them. However, credit card issuers in Kansas often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Kentucky
It is not legal to use credit cards to gamble on sports in Kentucky, because online sports betting is not regulated in Kentucky.
It is not legal to use credit cards to gamble on sports in Kentucky, because online sports betting is not regulated in Kentucky.
Louisiana
It is legal to use credit cards for online sports betting in Louisiana with regulated gambling sites that accept them. However, credit card issuers in Louisiana often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
It is legal to use credit cards for online sports betting in Louisiana with regulated gambling sites that accept them. However, credit card issuers in Louisiana often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Maine
It is legal to use credit cards for online sports betting in Maine with regulated gambling sites that accept them. However, credit card issuers in Maine often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
It is legal to use credit cards for online sports betting in Maine with regulated gambling sites that accept them. However, credit card issuers in Maine often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Maryland
It is legal to use credit cards for online sports betting in Maryland with regulated gambling sites that accept them. However, credit card issuers in Maryland often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Massachusetts
It is legal to use credit cards for online sports betting in Massachusetts with regulated gambling sites that accept them. However, credit card issuers in Massachusetts often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Michigan
It is legal to use credit cards for online sports betting in Michigan with regulated gambling sites that accept them. However, credit card issuers in Michigan often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Minnesota
It is not legal to use credit cards to gamble on sports in Minnesota, because online sports betting is not regulated in Minnesota.
Mississippi
It is legal to use credit cards for online sports betting in Mississippi with regulated gambling sites that accept them. However, credit card issuers in Mississippi often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Missouri
It is legal to use credit cards for online sports betting in Missouri with regulated gambling sites that accept them. However, credit card issuers in Missouri often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Montana
It is legal to use credit cards for online sports betting in Montana with regulated gambling sites that accept them. However, credit card issuers in Montana often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Nebraska
Sports betting is only permissible in-person at state approved gaming facilities in Nebraska. Online sports betting remains illegal, and therefore it is not legal to use credit cards to gamble on sports, even though it is not technically banned.
Nevada
It is legal to use credit cards for online sports betting in Nevada with regulated gambling sites that accept them. However, credit card issuers in Nevada often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Nevada
It is legal to use credit cards for online sports betting in Nevada with regulated gambling sites that accept them. However, credit card issuers in Nevada often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
New Hampshire
Credit cards are banned for gambling on sports in New Hampshire. The New Hampshire Lottery Commission's Gaming Regulatory Oversight Authority (GROA) has held a firm stance on this since sports betting became legal in the state in early 2020. The ban is double-down on by the fact that DraftKings - who no longer accepts credit cards for its online sportsbook - is the only regulated operator in NH.
New Jersey
It is legal to use credit cards for online sports betting in New Jersey with regulated gambling sites that accept them. However, credit card issuers in New Jersey often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
New Mexico
It is legal to use credit cards for online sports betting in New Mexico with regulated gambling sites that accept them. However, credit card issuers in New Mexico often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
New York
In Q2 of 2025, New York Assemblyman Robert Carroll filed Assembly Bill A7962 to address social harms caused by online sports betting. Included within Assembly Bill A7962 is a call for a complete ban on credit cards to fund player accounts. A statewide ban has not yet been passed, but many suggest that it will pass in 2026 as calls for gambling addiction treatment in NY continue to increase.
North Carolina
North Carolina
It is legal to use credit cards for online sports betting in North Carolina with regulated gambling sites that accept them. However, credit card issuers in North Carolina often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
North Dakota
It is legal to use credit cards for online sports betting in North Dakota with regulated gambling sites that accept them. However, credit card issuers in North Dakota often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Ohio
It is legal to use credit cards for online sports betting in Ohio with regulated gambling sites that accept them. However, credit card issuers in Ohio often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Oklahoma
It is not legal to use credit cards to gamble on sports in Oklahoma, because online sports betting is not regulated in Oklahoma.
Oregon
Credit cards are banned for gambling on sports in Oregon. As per ORS 167.109 "A person engaged in an Internet gambling business may not knowingly accept [...] credit, or the proceeds of credit, extended to or on behalf of such other person, including credit extended through the use of a credit card."
Pennsylvania
It is legal to use credit cards for online sports betting in Pennsylvania with regulated gambling sites that accept them. However, credit card issuers in Pennsylvania often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Rhode Island
Credit cards are banned for gambling on sports in Rhode Island. The Rhode Island Lottery regulates all online betting in the state and does now allow operators to accept credit cards from residents.
South Carolina
It is not legal to use credit cards to gamble on sports in South Carolina, because online sports betting is not regulated in South Carolina.
South Dakota
It is legal to use credit cards for online sports betting in South Dakota with regulated gambling sites that accept them. However, credit card issuers in South Dakota often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Tennessee
Credit cards are banned for gambling on sports in Tennessee. As per a memorandum issued on April 12, 2022, Pursuant to the Tennessee Sports Gaming Act and the Sports Wagering Advisory Council (SWAC) Rules, sports wagering accounts in Tennessee may not be funded using credit.
Texas
It is not legal to use credit cards to gamble on sports in Texas, because online sports betting is not regulated in Texas.
Utah
It is not legal to use credit cards to gamble on sports in Utah, because online sports betting is not regulated in Utah.
Vermont
Credit cards are banned for gambling on sports in Vermont. The Department of Liquor and Lottery, stipulates that as with state lottery, credit cards cannot be used for sports betting purposes.
Virginia
Virginia
It is legal to use credit cards for online sports betting in Virginia with regulated gambling sites that accept them. However, credit card issuers in Virginia often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Washington State
It is legal to use credit cards for online sports betting in Washington State with regulated gambling sites that accept them. However, credit card issuers in Washington State often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Washington DC
It is legal to use credit cards for online sports betting in the District of Columbia with regulated gambling sites that accept them. However, credit card issuers in DC often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Wisconsin
It is legal to use credit cards for online sports betting in the Wisconsin with regulated gambling sites that accept them. However, credit card issuers in Wisconsin often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
Wyoming
It is legal to use credit cards for online sports betting in the Wyoming with regulated gambling sites that accept them. However, credit card issuers in Wyoming often block gambling transactions or treat them as cash advances with a transaction fee and higher interest rate.
