Best Payout Online Casinos in the US (97%+ RTP)

What are the best payout online casinos in the US?

Every casino game offers an RTP, or Return to Player, which is displayed as a percentage.

If a game has an RTP of 98%, it means you can expect a return of $98 for every $100 wagered in the long run.

To find a casino’s site-wide payout rate, the industry standard is to find the average RTP of the top 10 most popular games. 

Our picks for the best payout online casinos also have other key traits including secure payments, convenient banking methods, and consistently fast withdrawals.

Highest RTP casinos reviewed

We've taken a closer look at our top three best payout real money online casinos and our top three highest-paying sweepstakes casinos.

Check out the comparison tables of the best online casinos that payout at a high rate below, as well as detailed breakdowns what these industry leaders can offer.

Real money online casinos - Highest site-wide RTP

While BetMGM is our overall best payout online casino, other top online casinos compare well for key payout features. 

Refer to the table below to quickly assess these casinos and their payouts.

	BetMGM Casino	Caesars Casino	DraftKings Casino	Fanatics Casino	Hard Rock Bet Casino
⚖️ Compare	Pin	Pin	Pin	Pin	Pin
😎 RTP	98%	97.1%	97.3%	97.6%	97.2%
🎰 Highest RTP slot	Blood Suckers (98%)	Blood Suckers (98%)	Book of 99 (99%)	White Rabbit Megaways (97.77%)	Medusa Megaways (97.63%)
🃏 Highest RTP table game	Video poker/blackjack (99-100%)	Video poker/blackjack (99-100%)	Video poker/blackjack (99-100%)	Video poker/blackjack (99-100%)	Video poker/blackjack (99-100%)
🏧 Number of payment methods	14	10	13	8	8
⏱️ Fastest payout speeds	2-6 hours	2-6 hours	2-6 hours	Within 24 hours	2-6 hours
📞 Customer support options	24/7 live chat; email + phone 11am-8pm	24/7 live chat	24/7 live chat	Email support	24/7 customer support

BetMGM Casino - Best overall site-wide RTP at 98.03%

⚖️ BetMGM Casino pros and cons

✅ Massive selection of exclusive high-RTP games 

✅ Loads of high-RTP progressive jackpots

✅ 24/7 live chat customer support 

✅ Fast, consistent withdrawals through several methods

❌ Bonus requirements expire quickly

❌ Some pending withdrawals can last five days

DraftKIngs Casino - Best for low-stakes, high-RTP progressive jackpots

⚖️ DraftKings Casino pros and cons

✅ Diverse selection of games 

✅ Lots of high-RTP progressive jackpots

✅ Excellent cashback system

✅ Withdrawal process in under 24hrs

❌ No telephone or VIP support

❌ Not enough filters and search tools

Caesars Palace Online Casino - Most Megaways slots

⚖️ Caesars Palace Online Casino pros and cons

✅ Largest selection of Megaways slots 

✅ 3,000+ games

✅ Caesars Rewards on all high RTP slot play 

✅ Exchange Rewards points for free spins

❌ Limited live game shows

❌ Higher playthrough

Sweepstakes casinos - Highest site-wide RTP

If your state doesn’t have regulated online casinos, we've compared the best sweepstakes casinos to help you narrow your search.

Sweeps casinos use virtual currencies, often called Gold Coins and Sweeps Coins. Gold Coins offer no cash value, whereas Sweeps Coins can be redeemed for real cash prizes.

	Crown Coins Casino	Lonestar Casino	RealPrize Casino	Big Pirate Casino	Stake.us Casino
⚖️ Compare	Pin	Pin	Pin	Pin	Pin
RTP	98.4%	96.6%	96.7%	96.2%	96.5%
Highest RTP slot	Book of 99 (99%)	1429 Uncharted Seas (99%)	Candy Corner (96.98%)	Money Cart 2 (98%)	Limbo (99%)
Highest RTP table game	Video poker/blackjack (99-100%)	Video poker/blackjack (99-100%)	Video poker/blackjack (99-100%)	Video poker/blackjack (99-100%)	Video poker/blackjack (99-100%)
Number of purchase methods	6	7	5	6	7
Redemption speed	1-3 days	1-3 days	1-3 days	2-5 days	Instant-5 days

Note: The availability of sweepstakes casinos varies from state to state. Be sure to check T&Cs during sign-up.

Crown Coins Casino - High percentage of high-RTP slots

⚖️ Crown Coins pros and cons

✅ Strong selection of ongoing promotions 

✅ Weekly tournaments and daily challenges

✅ 24/7 live chat customer support 

✅ Higher percentage of high-RTP slots

❌ No table games or live dealer games

❌ Slightly smaller game menu

RealPrize Casino - Best for free coin bonuses, high-RTP table games

⚖️ RealPrize Coins pros and cons

✅ 96.7% average RTP 

✅ Mix of slots, table games, live dealer games, and specialty games

✅ 24/7 support 

✅ Low 1X wagering requirement on Sweeps Coins

❌ Have to purchase a package to access live chat

❌ Lacks filters and search tools

Stake.us Casino - Best for exclusive RTP games, crypto options

⚖️ Stake.us Casino pros and cons

✅ 3,000+ games, high-RTP options in all categories 

✅ Redemptions can be instant

✅ Dozens of exclusive games 

✅ Full suite of responsible gambling tools

❌ 3x wagering requirements on SC

❌ Only available in 33 states

Best payout casinos vs. fastest payout casinos

Depending on your priorities, you might be looking for either a fast payout casino or higher payout casinos. These are the subtle differences:

🏅 Best Payout Online Casinos

Best payout casinos, also called highest-RTP casinos, are sites that offer the highest average RTP. The average RTP is derived from taking the RTP from the top 10 games in the site’s catalog.

⏰ Fastest Payout Casinos

The fastest payout casinos are the sites that are quickest to process withdrawals and transfer them to the player. These days, processing times of under 24 hours are considered fast, but a lot of top-tier sites process withdrawals within an hour, or even mere minutes.

See here for our full breakdown of the fastest payout online casinos.

What are the best online casino payout methods?

The best online casino payout method is, likely, one that you trust and already use.

Online casinos that accept PayPal are a great option if you value swift and easy transactions. However, if you're looking for the most convenient option, you may want to stick with debit and credit cards like Visa and Mastercard — at least for your deposit.

When it comes to cashouts, casinos often prefer you to use the same method for both deposits and withdrawals, so keep that in mind. Online banking and ACH are also excellent payment methods for secure transactions, as long as you're willing to wait slightly longer for your withdrawal.

See below for the full list of payment methods at each of the best payout online casinos:

5 key things to know about RTP

Before diving into one of our top-rated high RTP casinos, it’s worthwhile to understand what RTP actually means.

✅ 1. What is RTP? RTP simply indicates the amount of money you can expect to win back on average over millions of plays. A game with a 98% RTP will return $98 for every $100 wagered over the (very) long run. This metric is the same whether you're playing at U.S. online casinos, the best payout casinos in Canada, or anywhere other casino site around the world.

✅ 2. Does RTP mean guaranteed payouts? No. RTP is merely an average that is calculated over millions of spins. It isn’t a guarantee, especially in the context of a few sessions.

✅ 3. RTP vs. Volatility: Whereas RTP indicates the expected return, volatility pertains to how often a game pays out. A low-volatility game will generally provide players with regular, but smaller payouts. Highly volatile games tend to pay out bigger wins, but less frequently.

✅ 4. House Edge vs. RTP: House edge is essentially the opposite of RTP. RTP tells you how much you can expect to win back, while house edge tells you how much the house (or the casino) is expected to win over that same time span.

✅ 5. Why RTP isn’t everything When you are searching for a game to play, RTP should absolutely factor into the decision. However, you must also consider things like win potential, volatility, features, mechanics, and the overall fun factor.

What are the best payout casino games?

When it comes to casino games, RTP can vary drastically. This is why you should always check a game’s information before playing. 

Online slots will have a detailed breakdown of information such as RTP, volatility, pay lines, bet ranges, and win potential.

Meanwhile, it’s also important to understand that different game types offer different average RTPs. For instance, slot RTP typically ranges between 88% (low) to 99% (high).

If you play roulette, the RTP depends on which version you play. For European roulette games, the RTP usually hovers around the 97.3% mark, while American roulette games tend to have an RTP of around 94.74%. That’s quite a difference.

Here's a quick look at the highest-RTP casino games at U.S. online casinos.

What are the best payout slots?

Finding the best payout online slots starts with checking the game’s RTP. To find this, load the game and hit the “i” icon.

The RTP will be listed clearly in the game’s rules.

Keep in mind that versions of the same game can have varying RTPs at different online casinos, so it’s worth double-checking before you spin the reels.

If you’re looking for the highest RTP online slots, then check these titles out.

How we rate and rank the best payout online casinos

We cover all the angles when rating and ranking the highest payout casinos, including:

✅ RTP: First of all, we look for sites that offer the highest average RTP. We generally require a payout rate of at least 96%, although we aim for 97% and higher.

✅ Safety and security: Our recommended highest paying casinos offer the latest and most effective security features, like SSL encryption technology, fraud detection, secure payments, and 2-FA.

✅ Consistency of payouts: We prefer consistent withdrawal processing times, ideally within 24 hours. This way, you can trust that all withdrawals will reach you as soon as possible.

✅ No hidden fees: Hidden fees are always a bad sign. Our experts ensure that all fees and costs are clearly displayed up front, and that you won’t be unpleasantly surprised.

✅ Bonus clearing: Online casino bonuses and promotions need to have clear and fair terms and conditions. This means low wagering requirements, reasonable time limits, and the fewest restrictions on payouts.

✅ Verification: There’s no way around the verification process because it's required by law. That said, we expect the process to be as simple, fast, and efficient as possible.

✅ Banking options: The best payout online casinos always support a full range of payment options, including credit cards, debit cards, online banking, e-wallets, and vouchers. Ideally, the casino will support an option that you already use and trust.

✅ Trusted casinos vs. offshore casino: Legal U.S. online casinos must abide by state rules and regulations, which are pretty strict. Because offshore sites follow foreign laws, U.S. regulators have no jurisdiction. As such, domestic sites offer much more player protection than internationally licensed operators.

✅ Customer complaints: We make sure to check out user reviews at sites like Trustpilot, the Google Play Store, and the Apple App Store. While a single complaint is no reason to raise red flags, seeing a pattern emerge can be troubling.

For a more exhaustive breakdown of our Covers BetSmart Rating system, take a look at our dedicated guide on how we rate online casinos.