Best payout online casinos ranked
Every casino below is fully licensed in at least one US state and carries a strong selection of high-RTP games. The average RTP column reflects the platform's estimated average payout rate across all games — table games generally pull this higher than slots alone.
For a broader overview of licensed US casino options, see our online casinos hub.
| Casino | Welcome offer | Average RTP | Highest RTP game available | Available states |
|---|---|---|---|---|
| BetMGM | $25 no deposit + 100% match up to $1,000 | ~96% | Jackpot 6000 — 98.9% | AZ, CO, DC, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NJ, NV, NY, OH, PA, TN, VA, and WV |
| Caesars | $10 no deposit + 100% match up to $1,000 | ~96% | Mega Joker — 99% | AZ, CO, IA, IL, IN, KS, KY, LA, MA, MD, MI, NC, NJ, NY, OH, PA, TN, and VA |
| bet365 | 100% match up to $1,000 + up to 1,000 spins | ~97% | Blood Suckers — 98% | AZ, CO, IA, IL, IN, KS, KY, LA, MD, MO, NC, NJ, OH, PA, TN, and VA |
| DraftKings | 1,500 Flex Spins for a $5 wager | ~96% | Multihand Blackjack Surrender — 99.67% | 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 |
| FanDuel | 500 spins + $40 casino bonus | ~96% | Butterfly Staxx — 97% | AR, AZ, CO, CT, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NJ, NY, OH, PA, TN, VA, VT, and WV |
BetMGM Casino
BetMGM has the strongest variety of high-RTP games of any licensed US casino. The selection spans slots, table games, live dealer, game shows, and instant wins — so high-payout options are available regardless of which game type you prefer. Blood Suckers by NetEnt returns 98%+ and is one of the most popular high-RTP slots in the library. Jackpot 6000 goes even further at 98.9%, making it one of the highest-paying slot games at any licensed US online casino.
New players receive a $25 no deposit bonus plus a 100% deposit match up to $1,000 using code BETBONUSMGM. The $25 no deposit can be used to try high-RTP games before committing any of your own money. The BetMGM library covers 1,600+ slots plus a deep table game section including Multihand Blackjack variants with the lowest possible house edge available at a licensed US casino.
| Welcome offer | $25 no deposit + 100% match up to $1,000 |
| Wagering requirement | Applies to match and no deposit winnings |
| Average RTP (estimated) | ~96% |
| Highest RTP slot | Jackpot 6000 — 98.9% |
| Other high-RTP titles | Blood Suckers (98%+), Mega Joker (99%) |
| High-RTP table game | Blackjack with basic strategy (~99.5%) |
| App Store rating | 4.8 ⭐ |
| 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 |
Caesars Palace Casino
Caesars leads the US market for high-RTP Megaways slots with 90 titles in the library including White Rabbit Megaways at 97.77%. Mega Joker — a classic NetEnt fruit machine — is one of the highest-paying slots in the entire licensed US market at up to 99% RTP. Caesars also leads on Caesars Signature high-RTP table games covering blackjack, baccarat, roulette, and video poker variants tuned for the best possible return.
New players receive a $10 no deposit bonus using code EVPICK2500 plus a 100% deposit match up to $1,000. The 2,000+ game library from 36 providers gives Caesars the broadest high-RTP game selection across multiple categories. The video poker section is particularly strong — some variants return over 99% with correct play, which is the highest consistent payout available at any casino game short of full-pay Deuces Wild.
| Welcome offer | $10 no deposit + 100% match up to $1,000 + 2,500 Rewards Credits |
| Wagering requirement | 1x no deposit, 15x slots / 75x table games on deposit match |
| Average RTP (estimated) | ~96% |
| Highest RTP slot | Mega Joker — 99% |
| Other high-RTP titles | White Rabbit Megaways (97.77%), Blood Suckers (98%+) |
| Megaways slots count | 90+ titles |
| App Store rating | 4.7 ⭐ |
| Available in | AZ, CO, IA, IL, IN, KS, KY, LA, MA, MD, MI, NC, NJ, NY, OH, PA, TN, and VA |
bet365 Casino
bet365 carries one of the highest average RTP rates across all games of any licensed US online casino, estimated at around 97%. That number is meaningful when you compare it to a platform running at 95% — the difference compounds significantly over a long session. Blood Suckers returns 98%+ and is one of the signature high-RTP titles in the bet365 library alongside Gonzo's Quest, which also features among the bonus spins eligible games in the welcome offer.
New players receive a 100% deposit match up to $1,000 and up to 1,000 bonus spins via the app. The spins are available on Gonzo's Quest, Finn and the Swirly Spin, Jack in a Pot, and Piggy Riches Megaways — all high-quality NetEnt and Red Tiger titles with RTP figures at or above the industry average. Available in Michigan, New Jersey, and Pennsylvania. Must be claimed via the bet365 app.
| Welcome offer | 100% match up to $1,000 + up to 1,000 spins |
| Wagering requirement | 15x (MI) / 25x (PA) / 30x (NJ) |
| Average RTP (estimated) | ~97% — highest of any casino on this page |
| Highest RTP slot | Blood Suckers — 98%+ |
| Spin-eligible games RTP | Gonzo's Quest (96%), Finn and the Swirly Spin (96.6%) |
| App Store rating | 4.8 ⭐ |
| Available in | AZ, CO, IA, IL, IN, KS, KY, LA, MD, MO, NC, NJ, OH, PA, TN, and VA |
DraftKings Casino
DraftKings has the highest-RTP game at any licensed US casino in the form of Multihand Blackjack Surrender by IGT, which returns 99.67% with optimal strategy. That's a house edge of just 0.33% — lower than any slot on any platform. For slot players, DraftKings carries 180 progressive jackpot slots alongside a growing library of DraftKings-exclusive titles. Cash Spree Phoenix, Buffalo Chief, and Cash Eruption all carry RTP figures above 96%.
New players receive 1,500 Flex Spins for a $5 wager with no wagering requirement on winnings. The DraftKings exclusive game range — including DraftKings European Roulette and DraftKings Blackjack — carries published RTP figures available in the game information section before you play. For players who prioritise knowing the exact payout rate before sitting down, DraftKings' transparency on game information is above average for the US market.
| Welcome offer | 1,500 Flex Spins for a $5 wager |
| Wagering requirement | None on spin winnings |
| Average RTP (estimated) | ~96% |
| Highest RTP game | Multihand Blackjack Surrender — 99.67% |
| Other high-RTP titles | Cash Spree Phoenix, Buffalo Chief, Cash Eruption (96%+) |
| Progressive jackpot slots | 180+ |
| 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 |
FanDuel Casino
FanDuel carries a curated game library from top providers including NetEnt, Pragmatic Play, and Evolution Gaming, with an estimated average RTP around 96%. Butterfly Staxx by NetEnt is one of its featured high-RTP slots at around 97%. The live casino section — powered by Evolution Gaming — offers blackjack, baccarat, and roulette at standard Evolution RTP figures, giving players access to some of the highest-return live table games at any licensed US platform.
New players receive 500 bonus spins and $40 in casino credits. The $40 credit is usable on any game including high-RTP table games and slots — the 1x wagering requirement is low enough to be cleared in a single session. FanDuel's 4.9 App Store rating reflects a consistently smooth experience across the full game library. The live casino section is available on all devices without any feature being restricted to desktop.
| Welcome offer | 500 spins + $40 casino bonus |
| Wagering requirement | None on spins, 1x on $40 credit |
| Average RTP (estimated) | ~96% |
| Notable high-RTP slot | Butterfly Staxx — ~97% |
| High-RTP table games | Blackjack, baccarat, European roulette via Evolution Gaming |
| App Store rating | 4.9 ⭐ |
| Available in | AR, AZ, CO, CT, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, NC, NJ, NY, OH, PA, TN, VA, VT, and WV |
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What is RTP and how does it work?
RTP stands for Return to Player. It's the percentage of all money wagered on a game that is paid back to players over millions of rounds. A slot with a 97% RTP returns $97 for every $100 wagered across its full lifetime — not per session, and not to every individual player. It's a statistical average calculated over an enormous number of spins.
This is the most important clarification about RTP: it doesn't mean you will get 97% of your money back in any individual session. In a short session you might win far more or far less than the RTP suggests. What RTP tells you is the long-run mathematical advantage the casino holds. A 97% RTP means a 3% house edge. A 92% RTP means an 8% house edge. Over time and across many players, that difference is significant. Choosing high-RTP games gives you statistically more value per dollar wagered, even if individual session outcomes are still unpredictable.
Highest RTP slots at US online casinos
The slots below are among the highest-paying available at licensed US online casinos right now. RTP figures are published by the game developers and are the same regardless of which licensed US casino you play them at. Not every casino carries every title — check the game lobby before registering.
| Game | Provider | RTP | Volatility | Available at |
|---|---|---|---|---|
| Mega Joker | NetEnt | 99% | Low | Caesars, BetMGM |
| Jackpot 6000 | NetEnt | 98.9% | Low–Medium | BetMGM |
| Blood Suckers | NetEnt | 98% | Low | BetMGM, bet365, Caesars |
| White Rabbit Megaways | Blueprint Gaming | 97.77% | High | Caesars |
| Butterfly Staxx | NetEnt | ~97% | Low–Medium | FanDuel |
| Gonzo's Quest | NetEnt | 96% | Medium–High | bet365, multiple |
| Cash Spree Phoenix | IGT | 96%+ | Medium | DraftKings |
| Piggy Riches Megaways | Red Tiger / NetEnt | 96.6% | High | bet365 |
One important note: some high-RTP slots like Mega Joker return 99% only when played at maximum coin level. At lower bet levels the RTP drops significantly. Always check the game's information page to confirm which bet level delivers the published RTP before playing.
Highest payout table games
Table games consistently offer higher payouts than slots. Blackjack with basic strategy is one of the best-value games at any licensed US casino with a house edge as low as 0.5%. The table below shows the RTP for the most common table game formats available at licensed US online casinos.
| Game | RTP | Condition | Notes |
|---|---|---|---|
| Video Poker — Jacks or Better (full pay) | 99.54% | Optimal strategy | Best RTP of any standard casino game. Available at all five casinos on this page. |
| Multihand Blackjack Surrender (DraftKings/IGT) | 99.67% | Optimal strategy | Highest-RTP game at any licensed US casino. DraftKings exclusive. |
| Classic Blackjack with basic strategy | ~99.5% | Basic strategy required | Without strategy, house edge rises to 2–4%. Strategy is easy to learn. |
| Single Deck Blackjack | ~99.85% | Optimal strategy, 3:2 payout | Best blackjack RTP. Less commonly available. Avoid 6:5 payout versions. |
| Baccarat — Banker bet | 98.94% | No strategy required | Easiest high-RTP game to play — no decisions after placing your bet. |
| Baccarat — Player bet | 98.76% | No strategy required | Slightly lower than Banker. Still strong. Avoid the Tie bet (85.6% RTP). |
| European Roulette | 97.3% | Any bet type | Single zero only. Every bet type carries the same 2.7% house edge. |
| French Roulette with La Partage | 98.65% | Even-money bets only | Half your stake returned when zero hits on even-money bets. |
| American Roulette | 94.74% | Any bet type | Double zero raises house edge to 5.26%. Avoid in favour of European. |
| Craps — Pass Line bet | 98.59% | Pass Line only | One of the most underused high-RTP bets in any casino. Avoid the hardways and proposition bets. |
RTP vs volatility — what's the difference?
RTP tells you how much a game pays back over millions of rounds. Volatility (also called variance) tells you how those payouts are distributed. Understanding both helps you choose the right game for your playing style and bankroll.
| Low volatility | Medium volatility | High volatility | |
|---|---|---|---|
| Win frequency | Frequent small wins | Mix of win sizes | Rare but large wins |
| Session experience | Balance stays fairly stable | Moderate swings | Long dry spells, then big hits |
| Best bankroll | Any size | Moderate | Larger — to survive the dry spells |
| Best for | Casual players, low-risk sessions | Most players | Players chasing big single-win payouts |
| US examples | Mega Joker, Blood Suckers | Gonzo's Quest | White Rabbit Megaways, progressive jackpots |
A high-RTP, high-volatility game like White Rabbit Megaways (97.77%) will still produce long losing streaks — the 97.77% is paid out infrequently in larger amounts. A lower-RTP, low-volatility game might actually leave your balance more stable in a short session. For most players with moderate budgets, medium volatility and an RTP above 96% is the best balance.
Best payout sweepstakes casinos
Sweepstakes casinos are free to play and available in most US states. Sweeps Coin winnings are redeemable for real cash prizes. The best-paying sweepstakes platforms publish RTP figures for their games and carry titles above the industry average. Stake.us stands out specifically because its Originals games — Dice, Plinko, Crash, Limbo — all carry a published 99% RTP, higher than almost any slot at a licensed real money casino.
| Casino | Highest RTP games | Notable high-RTP titles | Free sign-up bonus |
|---|---|---|---|
| Stake.us | Stake Originals — 99% RTP | Dice, Plinko, Crash, Limbo | 25,000 GC + 25 SC |
| McLuck | ~96% average | Book of 99 (99% RTP) | 7,500 GC + 2.5 SC |
| Crown Coins | Enhanced RTP games available | Jewel Bonanza, Gates of Heaven (98%+) | 100,000 CC + 2 SC |
How to find RTP information at licensed US casinos
Every legitimate slot and table game at a licensed US casino has a published RTP figure. Finding it takes a few seconds once you know where to look.
🎰 In the game itself (most slots)
Most slots have an information or paytable button — usually a small 'i', '?' or menu icon in the corner of the game screen. Tapping it opens the game rules which include the published RTP. This is the most direct route and works at every licensed US casino regardless of the platform.]
📋 In the casino's game details page
Some casinos list the RTP in the game description before you open it. At DraftKings, the game information icon in the lobby shows the RTP alongside the volatility rating. Caesars and BetMGM also publish RTP in game details for most titles.
🔍 On the game developer's website
If you can't find the RTP in-game, search the game title plus the developer name and 'RTP' on any search engine. NetEnt, Pragmatic Play, IGT, and other major providers publish full game sheets with RTP figures on their official websites. The figure you find there is the same one used in licensed US casinos.
⚠️ Be wary of 'overall casino RTP' claims
Some sites quote an overall casino payout rate like '96.5% RTP across all games.' These are rarely independently audited figures and are more often estimates or marketing claims. The most reliable way to identify high-payout play is to check individual game RTPs rather than platform-level averages.
Tips for playing high-RTP casino games
Knowing the theory of RTP is one thing. Using it to make better decisions in practice is another. These tips are specifically aimed at players who want to get the most value per dollar from their casino sessions.
✅ Prioritise table games over slots for best RTP
The highest consistent RTPs at any casino are table games, not slots. Blackjack with basic strategy (99.5%), video poker with optimal play (99.54%), and baccarat (98.94%) all outperform even the highest-RTP slots. If your goal is the best possible mathematical return, table games are the starting point.
🃏 Learn basic strategy for blackjack and video poker
Both blackjack and video poker require the correct decisions to achieve their published RTPs. A blackjack player making random decisions faces a 2–4% house edge instead of 0.5%. Basic strategy charts are widely available and free — many players keep one open on a second screen during RNG blackjack sessions.
🎰 Stick to slots above 96% RTP
The industry average for online slots at licensed US casinos is around 95–96%. Sticking to titles at or above 96% places you above average for payout rates. Titles below 94% are significantly worse value and worth avoiding if higher-RTP alternatives are available in the same lobby.
🎡 Choose European Roulette over American
This single choice reduces the roulette house edge from 5.26% to 2.70% — a 48% reduction. The only difference is one extra zero on the wheel. Every casino on this page carries European Roulette alongside American. Always choose European unless a specific promotion makes American the better option.
💰 Don't skip the Banker bet at baccarat
The Banker bet in baccarat (98.94% RTP) has a 1.06% house edge — one of the most favourable bets at any casino table. The commission charged on Banker wins (usually 5%) is already factored into the RTP figure. Always betting Banker is the highest-RTP consistent baccarat strategy.
📊 Separate RTP from short-session results
A session of 200 spins at a 97% RTP slot tells you almost nothing about whether that game is paying out at its published rate. RTP figures are calculated over millions of rounds. Your individual sessions will vary widely. Focus on game selection for the long run, not chasing specific sessions where a high-RTP game didn't pay.
How we rate best payout online casinos
We assess payout quality on specific measurable criteria rather than on general reputation or headline bonus amounts.
📊 Availability of 96%+ RTP slots
We check how many slots in each casino's library carry an independently verified RTP above 96%. More high-RTP titles in a large library gives players more choice of where to direct their play. BetMGM and Caesars lead on high-RTP slot volume.
🃏 High-RTP table game coverage
We verify whether the casino carries full-pay video poker, basic strategy-friendly blackjack variants, European Roulette, and Banker bet baccarat. All five casinos on this page pass this check. DraftKings leads specifically on blackjack RTP with Multihand Blackjack Surrender at 99.67%.
📋 RTP transparency and accessibility
We check whether individual game RTPs are accessible before playing — either in the game info tab, the lobby listing, or on the developer's published game sheet. Casinos that publish RTPs clearly score higher than those that don't. DraftKings is the most transparent of the five on in-lobby RTP information.
💸 Withdrawal speed for winnings
High payout rates are only meaningful if winnings reach you quickly. All five casinos on this page process PayPal and Venmo withdrawals within 24–48 hours. bet365 and FanDuel are the fastest for debit card payouts via Visa Direct.
✅ Independent auditing and licensing
We only include casinos that are licensed by a state gaming authority which mandates independent RTP auditing. All five casinos on this page are audited by GLI or equivalent labs. Published RTPs at licensed US casinos are not self-reported estimates — they are verified against actual game data.
Responsible gambling
High RTP means better mathematical value, but it doesn't mean guaranteed wins. Even a 99% RTP game will produce losing sessions. The house edge always exists regardless of which game you choose. If the goal of finding high-RTP games shifts from getting better value to trying to beat the house consistently, that's a signal to take a break. All five casinos on this page provide deposit limits, loss limits, and self-exclusion in account settings.
If gambling is becoming a problem, free and confidential help is available from the following organizations.
- National Council on Problem Gambling (NCPG) — 24/7 helpline, chat, and text support. Call or text 1-800-522-4700.
- Gamblers Anonymous — Peer support groups based on a 12-step recovery program, with meetings available across the US.
Final thoughts
The single most impactful way to improve your casino payout rate is to move from slots to table games. Blackjack with basic strategy, full-pay video poker, and the Banker bet at baccarat all return over 98% — comfortably above the average slot in any casino library. For slot players who prefer the spinning reel format, sticking to verified 97%+ RTP titles like Mega Joker, Blood Suckers, and Jackpot 6000 puts you in the top tier for online slot payout rates at licensed US casinos.
bet365 carries the best overall average RTP across all games of any casino on this page. BetMGM has the widest variety of high-RTP titles across all game types. DraftKings has the single highest-RTP game via Multihand Blackjack Surrender. Use our links to visit any casino on this page and search the game information section for RTP figures before playing.
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FAQs
What does RTP mean at an online casino?
RTP stands for Return to Player. It's the percentage of all money wagered on a game that is paid back to players over millions of rounds. A 97% RTP means for every $100 wagered across all players over all time, $97 is returned as winnings. It's a statistical average, not a guarantee for any individual session.
Which online casino has the best payout rate?
bet365 carries an estimated average RTP of around 97% across all games — the highest of any licensed US casino on this page. BetMGM has the widest range of high-RTP individual game titles. DraftKings has the highest-RTP single game in Multihand Blackjack Surrender at 99.67%.
What is the highest RTP slot at a US online casino?
Mega Joker by NetEnt returns up to 99% RTP at maximum bet level and is available at Caesars and BetMGM. Jackpot 6000 returns 98.9% at BetMGM. Blood Suckers by NetEnt returns 98%+ and is available at multiple licensed US platforms.
Which casino game has the best odds?
Video poker with optimal strategy returns up to 99.54% (Jacks or Better, full pay). DraftKings' Multihand Blackjack Surrender returns 99.67%. Single Deck Blackjack with correct play returns up to 99.85%. These are significantly higher than the best-paying slots. If maximising your mathematical return is the goal, table games outperform slots at every licensed US casino.
What is a good RTP percentage for an online slot?
The industry average for licensed US online slots is around 95–96%. Anything above 96% is above average and worth prioritising. Titles at 98%+ like Mega Joker and Blood Suckers are among the best-value slots available. Avoid slots below 94% when higher-RTP alternatives are available in the same casino.
Does higher RTP mean I'll win more?
In the long run, yes — a higher RTP means less of your money is taken by the house over time. In any individual session, variance means you can win or lose regardless of the RTP. A 99% RTP game can still produce long losing streaks due to volatility. Higher RTP means better value per dollar wagered over time, not guaranteed wins in a single session.
What is the difference between RTP and house edge?
They are two sides of the same number. A game with a 97% RTP has a 3% house edge (100% minus 97%). A game with a 99.5% RTP has a 0.5% house edge. The house edge is the percentage of each bet the casino keeps on average. Lower house edge and higher RTP mean the same thing.
Can I play high-RTP casino games at sweepstakes casinos?
Yes. Stake.us carries its Originals games — Dice, Plinko, Crash, and Limbo — at a published 99% RTP. McLuck carries Book of 99 at 99% RTP. Crown Coins has Enhanced RTP games including titles at 98%+. All three platforms are free to play with Sweeps Coins redeemable for real cash prizes.