Best American Express betting sites ranked
Every sportsbook in the table below accepts American Express for deposits and is fully licensed in the states where it operates. The ranking accounts for Amex-specific usability, withdrawal options, and overall sportsbook quality.
| Sportsbook | Welcome offer | Min deposit via American Express | Withdrawal speed via American Express | Available states |
|---|---|---|---|---|
| BetMGM | Bet $10, get $150 in bonus bets if you win | $10 | Not available - use PayPal or online banking | AZ, CO, DC, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NJ, NV, NY, OH, PA, TN, VA, and WV |
| DraftKings | Bet $5+ get $100 in bonus bets | $5 | Not available - use PayPal or Apple Pay | AR, AZ, CO, CT, DC, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NH, NJ, NY, OH, PA, TN, VA, VT, and WV |
| Borgata | Bet $20 get $100 in bonus bets | $10 | Not available - use PayPal or Skrill | NJ |
| bet365 | Bet $10 and get $200 + 50 spins | $10 | Not available - use debit card or Apple Pay | AZ, CO, IA, IL, IN, KS, KY, LA, MD, MO, NC, NJ, OH, PA, TN, and VA |
BetMGM
- Comprehensive sports betting markets
- Regular bonuses and promotions
- Dedicated mobile betting apps
- Not available in all US states
BetMGM is one of the most accommodating sportsbooks for American Express users. Deposits made with a personal Amex card are accepted with a $10 minimum, and there is no fee charged at the sportsbook's end. The trade-off is that withdrawals cannot go back to the card - winnings need to come out via PayPal, online banking (ACH), or another supported e-wallet. If you already have PayPal connected to your Amex account, that combination covers the full funding cycle neatly.
The welcome offer gives you $150 in bonus bets when your first wager of $10 or more wins. Amex deposits qualify, so there is no need to swap payment methods just to claim it. No specific promo code is required - the offer is available through the standard sign-up flow.
BetMGM carries a wide range of sports markets and integrates with MGM Rewards, which adds ongoing value beyond the welcome offer. The app earns a 4.7 on the App Store and 4.5 on Google Play. One note: some Amex card types are not accepted, including prepaid cards, corporate travel cards, small business cards, and bank co-branded Amex cards. Standard personal cards linked to a checking account work without issue.
| Welcome offer | Bet $10, get $150 in bonus bets if you win |
| American Express for deposits | Yes |
| American Express for withdrawals | No |
| Min deposit via American Express | $10 |
| Withdrawal speed via American Express | Not available |
| App Store rating | 4.7 ⭐️ |
| Available in | AZ, CO, DC, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NJ, NV, NY, OH, PA, TN, VA, and WV |
DraftKings
- Legal in 26 US states
- Long A-Z list of sports markets
- Awesome promos
- Limited list of legal states
DraftKings accepts American Express for deposits with a $5 minimum, which is one of the lowest entry points among sportsbooks that take the card. As with the rest of the US market, Amex withdrawals are not available - the recommended routes out are PayPal or Apple Pay, both of which process within 24 hours. It is worth noting that DraftKings discontinued credit card deposits in August 2025, but Amex used as a charge or debit instrument may still be processed depending on how your card is classified. Check with your card issuer if you are unsure.
The welcome offer - bet $5 or more and receive $100 in bonus bets - is one of the more straightforward deals in the market. Amex deposits count toward triggering the offer, so there is no need to use a different payment method at sign-up. You can find the full terms via the DraftKings promo code page before committing.
The DraftKings app is widely regarded as the best in the industry, scoring 4.8 on the App Store and 4.6 on Google Play. The sportsbook covers an extensive range of in-play markets and offers a broad banking menu - particularly useful when you need a withdrawal method to pair with your Amex deposits.
| Welcome offer | Bet $5+ get $100 in bonus bets |
| American Express for deposits | Yes |
| American Express for withdrawals | No |
| Min deposit via American Express | $5 |
| Withdrawal speed via American Express | Not available |
| App Store rating | 4.8 ⭐️ |
| Available in | AR, AZ, CO, CT, DC, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NH, NJ, NY, OH, PA, TN, VA, VT, and WV |
Borgata
- 1,000 great casino games from legendary developers
- Awesome sportsbook with top NHL, NBA and NFL odds
- Impressive poker software with stunning daily tournaments
- Licensed by the New Jersey Division of Gaming Enforcement
- Lack of regular welcome bonuses
Borgata accepts American Express for deposits with a $10 minimum and no fee. The important limitation is that card withdrawals are not offered - funds need to exit via PayPal, Skrill, or ACH bank transfer. Borgata is one of the few US sportsbooks that supports both Skrill and Amex, which means you have a broader set of withdrawal options than at many competing sites. One detail specific to Amex: only standard personal cards linked to a checking account are accepted. Prepaid Amex cards, corporate cards, small business cards, and bank co-branded Amex cards will be declined at the cashier.
Borgata's welcome offer gives you $100 in bonus bets when you place an initial bet of $20. Depositing via American Express qualifies, so no workaround is needed. The offer is available through the standard registration process without a separate code.
The sportsbook is licensed exclusively in New Jersey, making it the right choice for Garden State bettors who want the Borgata brand. App ratings sit at 4.7 on the App Store, though the Google Play score of 3.9 trails behind the other operators on this page. In-person cash withdrawals are available at the Borgata cage in Atlantic City, which is a genuine differentiator for local users.
| Welcome offer | Bet $20 get $100 in bonus bets |
| American Express for deposits | Yes |
| American Express for withdrawals | No |
| Min deposit via American Express | $10 |
| Withdrawal speed via American Express | Not available |
| App Store rating | 4.7 ⭐️ |
| Available in | NJ |
bet365
- Generous welcome bonus
- 24/7 live chat
- Intuitive site interface
- Dedicated mobile app
- No VIP program
bet365 accepts Amex for deposits with a $10 minimum and no sportsbook-side fees. Withdrawals back to American Express are not available - but bet365 offers some of the fastest withdrawal speeds in the US market via debit card and Apple Pay, both of which typically process within one to four hours. That makes bet365 a strong pairing for Amex depositors who want quick access to their winnings through a secondary method. Note that credit cards were discontinued at bet365 in April 2026, so the way your Amex is classified by your issuer may affect whether it processes.
The welcome offer at bet365 - bet $10 and get $200 in bonus bets plus 50 casino spins - is among the more generous deals on this list. Amex deposits qualify for the offer. The full terms are on the bet365 promo code page if you want to check the wagering conditions before signing up.
bet365 is available in 17 states and is particularly well regarded for its live betting product and depth of in-play markets. The app scores 4.8 on the App Store and 4.5 on Google Play. For bettors who prioritize fast cashouts alongside Amex deposit convenience, the combination of this sportsbook's withdrawal speeds and e-wallet options is difficult to beat.
| Welcome offer | Bet $10 and get $200 + 50 spins |
| American Express for deposits | Yes |
| American Express for withdrawals | No |
| Min deposit via American Express | $10 |
| Withdrawal speed via American Express | Not available |
| App Store rating | 4.8 ⭐️ |
| Available in | AZ, CO, IA, IL, IN, KS, KY, LA, MD, MO, NC, NJ, OH, PA, TN, and VA |
How to deposit at a sportsbook using American Express
Making your first Amex deposit takes only a few minutes once your account is verified. Here is how it works:
- Choose a sportsbook: Use the links on this page to visit a licensed sportsbook that accepts American Express and create a new account.
- Complete registration: Enter your name, address, date of birth, and the last four digits of your Social Security number so the sportsbook can verify your identity.
- Go to the cashier: Once logged in, navigate to the deposit section. This is typically labelled "Deposit" or found inside the account menu.
- Select American Express: Choose Amex from the list of available payment methods. If you do not see it listed, check that your card type is a standard personal Amex (prepaid, corporate, and co-branded cards are commonly declined).
- Enter your card details: Input your card number, expiry date, and CVV code. Some sportsbooks also ask for your billing address.
- Set your deposit amount: Enter the amount you want to deposit, making sure it meets the minimum for your chosen sportsbook.
- Confirm and start betting: Funds appear in your account instantly in most cases. You can place bets as soon as the deposit clears.
How to withdraw from a sportsbook using American Express
Because no US sportsbook currently sends withdrawals back to an American Express card, you will need to use a secondary method - typically PayPal, an e-wallet like Skrill, a debit card, or ACH bank transfer.
- Set up a withdrawal method: Before requesting a payout, make sure you have connected a supported withdrawal method to your account. PayPal and debit cards are the most widely accepted options.
- Go to the cashier: Log in and navigate to the withdrawal section of your account, usually found in the cashier or account menu.
- Select your withdrawal method: Choose PayPal, ACH bank transfer, Skrill, or another method you have previously linked to your account.
- Enter the withdrawal amount: Input how much you want to cash out, staying within the sportsbook's minimum and maximum limits.
- Verify your identity if prompted: Some sportsbooks require identity confirmation for larger withdrawals. Have a photo ID ready to speed up the process.
- Submit the request: Confirm the withdrawal. Processing times range from under an hour for e-wallets and Apple Pay to two to five business days for ACH bank transfers.
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- Deep market coverage across major U.S. sports and leagues
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Why use American Express at an online sportsbook?
American Express is not the most widely accepted card at US sportsbooks, but it brings some genuine advantages for those whose preferred operator supports it.
Instant deposits
Amex deposits clear immediately at every operator listed here, just like Visa or Mastercard. There is no waiting period before your funds are available to wager. If you want to act on a line before it moves, card funding is one of the fastest ways to get money into your account.
Familiar and convenient
If American Express is already your everyday card, using it at a sportsbook means one fewer account or e-wallet to manage. There is nothing new to set up - you just enter your card details as you would anywhere else online.
Purchase protections
American Express is known for its cardholder protections, including dispute resolution and fraud monitoring. While licensed sportsbooks handle transactions securely, having an additional layer of protection at the card level provides extra peace of mind.
No sportsbook-side fees
The sportsbooks on this page do not charge a fee for Amex deposits. You pay only what you deposit, with no processing surcharge added on top.
Key limitation: withdrawals
The most important drawback is that no US sportsbook allows withdrawals back to an American Express card. You will always need a secondary method to cash out. This is a structural issue with how card networks process gambling-related transactions in the US, not something individual operators control. Planning your withdrawal method in advance avoids any delays when you want to access winnings.
Limited operator acceptance
Fewer sportsbooks accept Amex compared to Visa or Mastercard. If you are in a state with limited licensed options, you may find that your operator of choice does not support the card. It is worth checking the operator's cashier before signing up if Amex is your preferred deposit method.
American Express fees at online sportsbooks
None of the sportsbooks featured on this page charge a processing fee for American Express deposits. You deposit what you intend to deposit, and the full amount reaches your betting account with nothing deducted.
From American Express's side, standard personal cards do not typically charge transaction fees for domestic purchases, and funding a sportsbook account generally falls into that category. However, some Amex cards may classify a deposit as a cash advance rather than a purchase, which can trigger a cash advance fee and a higher interest rate - this depends on your specific card agreement, not the sportsbook. If you are unsure how your card handles gambling transactions, contact Amex directly before your first deposit.
Compared to bank wire transfers, which often carry fees at both ends, Amex deposits are straightforward. E-wallets like PayPal are also fee-free at licensed sportsbooks, but adding that extra step means one more account to manage. For pure deposit convenience at zero cost, a card deposit is competitive with any other method in the market.
American Express deposit and withdrawal limits
Deposit limits are consistent with the sportsbooks' general card limits. Withdrawal via American Express is not available at any of the sportsbooks on this page, so the withdrawal columns below reflect the operator's overall limits via supported payout methods.
| Sportsbook | Min deposit | Max deposit | Min withdrawal | Max withdrawal | Fees |
|---|---|---|---|---|---|
| BetMGM | $10 | $25,000 | $20 | $50,000 | None |
| DraftKings | $5 | $25,000 | $1 | $60,000 | None |
| Borgata | $10 | $25,000 | $10 | $50,000 | None |
| bet365 | $10 | $25,000 | $10 | $50,000 | None |
Can you claim betting bonuses with American Express?
Amex deposits qualify for welcome offers at every operator listed here. There are no documented restrictions that specifically exclude American Express from bonus eligibility - the sportsbooks treat it the same as other card types for the purpose of triggering a promotion.
Welcome offers tied to sportsbook promo codes are generally straightforward to claim. You deposit the required minimum, place the qualifying first bet, and the bonus bets or bonus credit is added to your account. The key check is meeting the minimum deposit threshold: BetMGM requires $10, bet365 requires $10, Borgata requires $20, and DraftKings requires only $5.
One thing to watch: if your Amex card is declined at the cashier (which can happen with some card types), you will not be able to fund the account until you switch to a different method. In that case, it is worth setting up a backup option like PayPal before attempting your first deposit, so you do not miss a time-limited offer. Always read the full terms of any welcome offer, as conditions like minimum odds requirements and wagering timelines apply regardless of which payment method you use.
American Express vs other payment methods
American Express sits in an interesting position among sportsbook banking options. It is more widely accepted than a niche e-wallet like Skrill, but less universally supported than Visa or Mastercard. The deposit experience is essentially identical to any other card - instant funding, no fees, easy to use. The real differentiator is where it falls short: withdrawals.
If building a complete deposit-and-withdrawal setup matters to you, pairing Amex with cash-out-friendly sportsbooks that offer fast e-wallet payouts is the most practical approach. The table below compares Amex against two common alternatives across the factors that matter most for day-to-day sportsbook banking.
| Feature | American Express | PayPal | Debit card (Visa/Mastercard) |
|---|---|---|---|
| Deposit speed | Instant | Instant | Instant |
| Withdrawal speed | Not available | 24-48 hours (varies by sportsbook) | Minutes to 24 hours (varies) |
| Deposit fees | None (at sportsbook) | None | None |
| Withdrawal fees | N/A | None | None |
| Privacy | Card details shared with sportsbook | Card/bank details not shared with sportsbook | Card details shared with sportsbook |
| Operator acceptance | Limited (fewer sportsbooks) | Widely accepted | Almost universal |
| Ease of setup | No setup required | Requires a PayPal account | No setup required |
| Withdrawal eligibility | No | Yes | Yes (debit only) |
Is American Express safe at online sportsbooks?
Licensed US sportsbooks are required by state gaming regulators to use industry-standard encryption - typically 128-bit or 256-bit SSL - to protect financial transactions. When you enter your Amex details at a licensed sportsbook's cashier, that data is transmitted securely and is not stored in a way accessible to unauthorized parties.
American Express adds its own layer of security through real-time fraud monitoring. If the company detects unusual transaction patterns on your card, it can flag or block the charge before it completes. Amex cardholders also benefit from a robust dispute process - if a transaction is processed incorrectly or without authorization, the chargeback mechanism gives you a route to recover funds that most other card networks also offer but Amex has historically been responsive about.
State licensing provides the regulatory backbone that makes these sportsbooks safe to use in the first place. Licensed operators must keep player funds in segregated accounts, undergo regular audits, and meet strict anti-money-laundering requirements. The combination of state oversight, sportsbook-level encryption, and Amex's own fraud protections makes card deposits at licensed sportsbooks a low-risk activity. The main thing to ensure is that you are using a licensed sportsbook - unlicensed offshore sites do not carry these protections.
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- 15+ sports categories
- An extensive range of betting markets
- Supports in-play betting and live streaming
What is American Express and how does it work?
American Express is a global financial services company that issues charge cards, credit cards, and debit cards under its own network. Unlike Visa and Mastercard, which are payment networks that partner with issuing banks, Amex typically both issues the card and operates the network - meaning your relationship is directly with American Express rather than a third-party bank.
When you use an Amex card online, the transaction is processed through the American Express network in much the same way as any card payment. The merchant (in this case, the sportsbook) sends a payment request, Amex authorizes it, and the funds are transferred. For the user, the experience looks identical to using any other card: you enter your card number, expiry, and CVV, and the deposit completes instantly. The difference shows up in acceptance rates - because Amex charges higher merchant fees than Visa or Mastercard, fewer businesses (including some sportsbooks) choose to accept it.
American Express has expanded its US cardholder base significantly in recent years, and its card products range from entry-level no-fee cards to premium travel and rewards cards. For sportsbook users, the practical question is not which Amex card you hold but whether your specific card type - personal, business, prepaid - will be accepted at the cashier. Standard personal cards are the safest bet.
How to create an American Express account
If you do not yet have an American Express card, the application process takes around ten minutes online. Here is how it works:
- Choose a card: Visit the American Express website and browse the available personal card options. Compare annual fees, rewards structures, and introductory offers to find a card that suits your spending habits.
- Start your application: Click "Apply now" on your chosen card. You will need your name, address, date of birth, Social Security number, and annual income details.
- Submit the application: Amex typically provides an instant decision. In some cases, additional review is needed, which can take a few business days.
- Receive your card: Once approved, your physical card arrives by mail within seven to ten business days. Some cards also offer an instant virtual card number you can use online before the physical card arrives.
- Activate your card: Follow the activation instructions in the card packaging - usually a quick call or online confirmation.
- Add to your sportsbook account: Log in to your sportsbook, go to the cashier, and enter your new Amex card details to make your first deposit.
How we rate American Express betting sites
Assessing a sportsbook for Amex users involves looking beyond standard quality metrics - payment method specifics matter as much as the product itself.
Amex deposit acceptance
The first filter is simple: does the sportsbook actually accept American Express for deposits? Operators that do not list Amex in their cashier are excluded regardless of their other qualities. We also check which card types are accepted, since some sportsbooks accept standard personal Amex cards but reject prepaid, business, or co-branded variants.
Withdrawal flexibility
Because no US sportsbook supports Amex withdrawals, we give extra weight to the breadth and speed of alternative withdrawal options. A sportsbook that offers PayPal, e-wallets, and fast debit card payouts gives Amex depositors a much smoother exit route than one that relies solely on slow ACH transfers.
Deposit speed and reliability
Instant deposits are the norm for card payments, but card declines are more common at sportsbooks than at mainstream retail sites. We assess how reliably Amex deposits clear and whether the sportsbook provides clear guidance when a card is rejected.
Deposit and withdrawal limits
Higher deposit ceilings matter for bettors who fund their accounts in larger amounts. We check whether limits are published clearly and whether the sportsbook's minimums are accessible for casual bettors too.
Welcome offer accessibility
We confirm that Amex deposits qualify for welcome offers and check for any exclusions buried in the terms. A bonus that cannot be claimed with your preferred payment method is less useful than it appears.
Overall sportsbook quality
Payment method coverage is only part of the picture. We also assess the depth of sports markets, in-play betting features, app quality, and the reliability of the sportsbook's licensing and customer support. An Amex-friendly cashier loses its appeal if the rest of the product does not hold up.
More popular betting payment methods
American Express is one of several ways to fund a sportsbook account in the US. If you want to compare how it stacks up against other methods - or if you are looking for a withdrawal-compatible alternative - the guides below cover the most widely used options across licensed US sportsbooks.
Final thoughts
American Express is a workable deposit option at a select group of licensed US sportsbooks, and for bettors already using Amex day-to-day, the convenience of sticking with a familiar card has genuine appeal. Deposits are instant and fee-free, and all of the sportsbooks on this page qualify your Amex deposit toward their welcome offer. The one fixed limitation - no Amex withdrawals - is not unique to these operators; it reflects how the card network handles gambling payouts across the US market. Setting up a secondary withdrawal method like PayPal before you need it removes the only real friction point.
Use the links above to compare the licensed sportsbooks that suit your state and betting style. The welcome offers listed here are worth claiming, and pairing an Amex deposit with a fast e-wallet payout method gives you a full funding setup that works well in practice.
Bet $10, Get $150 in Bonus Bets If You Win
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- 20+ sports available for wagering
- Pre-match and in-play betting
- Unique features like live streaming and boosted odds
up to 100€ Bet Credits
Find out more on bet365's website
- Over 20 sports
- Extensive betting markets
- Live betting feature
New Users – Get $350 in Bonus Bets Guaranteed - When You Bet $5 for 7 Days!
+8
- Deep market coverage across major U.S. sports and leagues
- Same Game Parlay builder is fast and easy to use
- Live betting interface updates quickly with real-time odds
FAQs
Which betting sites accept American Express?
BetMGM, DraftKings, Borgata, and bet365 all accept American Express for deposits. Acceptance is limited to standard personal Amex cards - prepaid, corporate, small business, and bank co-branded Amex cards are typically declined. Always check the cashier of your chosen sportsbook to confirm availability in your state.
Is American Express safe to use at online sportsbooks?
Yes, provided you use a licensed sportsbook. Licensed operators are required by state gaming regulators to use SSL encryption and keep player funds in segregated accounts. American Express also offers its own fraud monitoring and dispute resolution, adding an extra layer of protection at the card level.
Are there fees for using American Express at a sportsbook?
The sportsbooks on this page do not charge processing fees for Amex deposits. American Express itself does not typically charge fees on domestic purchase transactions, though some cards may classify a sportsbook deposit as a cash advance. Check your card agreement if you are unsure how your specific card handles gambling transactions.
Can I withdraw winnings to my American Express card?
No US sportsbook currently offers withdrawals back to an American Express card. You will need to use a secondary method - such as PayPal, Skrill, a debit card, or ACH bank transfer - to cash out your winnings. It is worth setting up your preferred withdrawal method when you first create your account.
Can I claim a welcome offer when depositing with American Express?
Yes. Amex deposits qualify for welcome offers at every operator on this page. There are no specific Amex exclusions documented by any of these sportsbooks. Just ensure your deposit meets the minimum amount required to trigger the offer.
What is the minimum deposit with American Express at a sportsbook?
Minimums vary by sportsbook. DraftKings has the lowest minimum at $5. BetMGM and bet365 both require a $10 minimum. Borgata's minimum is $10 as well, with a $20 minimum for its welcome offer qualifying bet.
Can I withdraw to American Express if I deposited with another method?
The question is moot in the other direction - Amex is not available as a withdrawal method regardless of how you deposited. However, if you deposited via Amex and want to withdraw, you will need to use a separate method. Most sportsbooks allow you to add a withdrawal method independently of how you made your deposit.
Do all states allow American Express at licensed sportsbooks?
State law does not specifically restrict Amex usage - the limitations are set by individual sportsbooks and by how card issuers classify gambling transactions. If American Express is accepted at a sportsbook in general, it is typically available in all of that sportsbook's licensed states, though individual card declines can still occur depending on your issuer.
