5 Best Online Casinos for Payouts – 2022 Ratings

Playing at an online casino that offers a safe and secure experience is critical for almost all gamblers. However, finding the best online casinos for payout is also high on the list because it means that you give yourself the best chance of getting your money back.

For most players, knowing which games give lucrative returns is very important, and so is knowing the best payout online casinos. We’ve listed the best online casino payouts for U.S. players below.

Rank Online Casino Key Info Bonus Info Visit Casino
  • A Top Rated US Casino
  • Visa, MC, Amex, BTC
  • Fast Cashouts (3 Hrs.)
  • Excellent Payout Speeds
  • 280% Welcome Bonus
  • Brand New Casino
  • 250% First Deposit Bonus
  • Fast Payout Times
  • Large Selection of Games
  • Variety of Casino Games
  • Large Welcome Bonus
  • Speedy Cashouts
  • Owned by Trusted Brand
  • Visa, MC, and BTC Accepted
  • Excellent Customer Service
  • Large Selection of Slots
  • Variety of Banking Options
  • 250% Bonus up to $6,000
  • High end game graphics
  • Visa, MC, BTC, Neosurf
  • Fast payouts
  • Caters to US Customers
  • 200% Welcome Bonus
  • Great Customer Service

In this article; we’ll discuss how to go from a casual gambler to a serious gambler with a few simple tips! We’ll give our recommendations for the best payout for USA casinos online.

How We Rank the Best Online Casinos for Payout

A couple of elements make the highest payout online casino, well, the highest paying. It’s more than just handing out checks to lucky winners; it’s about process and dedication to customers.

Offer The Best Games – The best online casinos that payout in the USA don’t waste valuable space or resources hosting games that aren’t high paying. There are many slot machines out there that seem fun on the surface, but underneath they’re hiding a 75% RTP, which isn’t good for players.

Reasonable Wagering Requirements – When a casino offers you a welcome bonus or some other kind of promotion, it comes with a set of wagering requirements. These rules determine how much you have to bet to be able to make a withdrawal later down the line. It’s not uncommon for casinos to impose a 1x or 15x wagering requirement, but the very worst take that number up to 30x, 40x, and sometimes even 50x.

Excellent Reputation and Customer Support – As much as it pains us to say it, not all big winners get their winnings. It’s more prevalent with online casinos because for casinos, it’s easy to write off a jackpot win as cheating or a fluke in the system. And you certainly don’t want to play at those kinds of casinos. Make sure you do some research before signing up with an online casino to see if they’ve had any scandals in the past.

Top Notch Gaming Software – Most casinos don’t create their own gaming software, and instead turn to software providers. Now, these software providers undergo a lot of regulation and testing to make sure their games are high-quality and fair, but some of them have a history of unsavory practices. Real Time Gaming, for example, accused players of cheating and licensed their product to shady casino organizations like Crystal Palace Group and Casinomeister.

Best Online Casinos For Payout USA

The best payout online casinos for real money gambling sites and online casinos don’t sling around their payout percentages for people to see. Sometimes, you’ll see some numbers in the terms and conditions or on the legal page, and once in a while, a casino will come out and say how much money goes back to their players.

A casino’s payout percentage is similar to RTP, but more difficult to calculate. Average payout percentages for casinos are based on the amount of money they bring in versus the amount they give out. Unless you have access to a casino’s bank records, there’s no way to calculate that percentage.

However, there are a few places online where you can look, and if you get lucky, your favorite casino’s numbers will be on there. Based on the information we have, we created a chart of the top 5 online casinos based on their best online slots payout percentage, amongst other games.

As you can see, El Royale is the best in terms of payout percentage, while Wild Casino has the highest casino bonuses and among the best online casinos that payout fast.

Comparing the Best Casinos For Payouts Online

1. El Royale Casino

El Royale Casino Logo

  • License: Curacao
  • Payout %: 98.56%
  • Payout Speed: 1-5 days
  • Bonus: 240%
  • El Royale Review

El Royale Casino receives our top mark for its 240% bonus and 40 additional free spins.

You’ll have numerous games to play and a user interface that’s optimized for all devices. For banking, you can use popular eWallets like PayPal, making this an online casino with the best diversity of payment methods. Lastly, El Royale is the best RTP online casino, with a payout percentage north of 98%.

Pros Cons
Plenty of high-quality casino games No sports betting or live poker
Huge selection of bonuses and promotions Payout speeds could be faster
No withdrawal fees  
Online casino that pays out the most  

2. Slots.lv Casino

Slots.lv Logo

  • License: Curacao
  • Payout %: 98.45%
  • Payout Speed: 1-2 days
  • Bonus: 200%
  • lv Review

Slots.lv presents players with an insane value, offering $5,000 in welcome bonuses. This, combined with some of the best games and the largest game library, means Slots.lv offers arguably the best payout for slot sites.

Pros Cons
Huge bonus potential No eWallet banking
300+ casino games  
Live dealer gaming options  
Easy to contact Customer Support (social media, email, live chat, FAQ)  

3. BetOnline Casino

BetOnline Logo

  • License: Panama
  • Payout %: 98.10%
  • Payout Speed: 2-4 days
  • Bonus: 100%
  • BetOnline Review

If you’re looking for a one-stop-shop for all things gambling, BetOnline is the spot for you. There are several bonuses available from which you can pick and choose.

The only noticeable trait that’s less appealing is the fee on credit and debit card transactions. The robust game library and live-dealer games will ease your pain.

Pros Cons
Best payouts for online gambling 6% fees on credit and debit cards
Super selection of casino games  
Fantastic bonuses and promotions  
US players welcome  

4. Ignition Casino

  • License: Curacao
  • Payout %: 97.81%
  • Payout Speed: 1-3 days
  • Bonus: 100%
  • Ignition Review

Although the percentage is a bit lower than the other best casinos for payout, Ignition still has a large game library. What makes Ignition extra appealing, though, is the customer service. You’ll enjoy access to not only helpful casino reps, but also a thorough FAQ section.

Pros Cons
Top-notch casino games Fewer games than the average e-casino
Excellent bonus opportunities No eWallet banking
Quality customer service and a stellar FAQs section  

5. Wild Casino

Wild Casino Logo

Wild Casino also offers $5,000 in deposit welcome bonuses. The bonus stretches across five deposits, with the first having 250% match up to $1,000 and the rest at 100%.

The game library is excellent, with hundreds of titles, though some sections are limited. Still, Wild Casino is one of the easier online casinos to use, especially for brand-new players.

Pros Cons
Fantastic welcome bonus for new members Lacks some basic poker games
Modern design and user interface High fees for some withdrawal options
Variety of casino gaming options Weak customer support system
Great payment system  

Understanding Casino RTP

Return to Player Percentage, or RTP, is the amount given back to players from a certain game. Essentially, RTP determines how much a player can win from a certain game.

When you see a game that advertises an RTP of 97%, you can find out how much you might get back with a simple calculation. If you put $10 into that game, it might kick back $9.70 to you in winnings. Obviously, the higher the RTP, the better your chances are of making your money back.

We said “might” a lot in this explanation, and there’s a reason for that. Take a slot machine as an example.

They run on random number generators, and so every time you spin the reels, a random number is plucked from the string of numbers produced by the RNG. There’s no rhyme or reason behind these numbers, so you might win five times or lose five times in a row.

The slot machine doesn’t know how long you’ll play the game or how many times you’ll spin the reels. It has no way of knowing which player it will reward.

If you bet $10 and spin once and lose, the slot machine will kick back the RTP to the next player or string of players.

So, while RTP is a good way of determining what games are worth playing, there’s more to it than just spinning a slot machine and waiting for your win. There are a lot of factors at play, most of which aren’t under your control.

Why Payout Percentage Isn’t the End-All-Be-All

Your first instinct might be to hop on over to El Royale and sign up right away. And for some people, the payout percentage is enough to convince them of a casino’s worth. But there are many more factors in determining the best overall online casino.

For example, you’re better off looking elsewhere if a casino has a high payout percentage but small bonuses, high wagering requirements, and poor customer service.

As you can see from our chart, the difference in payout percentage from the El Royale to Wild Casino is only a little more than 1%. That number is so minuscule that it may not be worth waiting an extra 4 days to receive.

Stopwatch and Money

If you’re playing the right casino games, then the overall payout percentage of an online casino is irrelevant. For example, playing blackjack gives you a much higher chance of winning than, say, poker, so if you’re smart with your bets, you can bank on getting a 99% payout or higher.

Again, payout percentages for online casinos in the USA are averages, meaning that you’re not guaranteed to go home with money; that’s just not how casinos work. But, by playing the right casino games, you can increase your chances of ending the night in the black.

The Highest-Paying Games at Online Casinos

Unless you’re a poker whiz, you’re probably bouncing back and forth from slot machines hoping for a jackpot win.

We’re here to tell you that your chances of hitting the jackpot on a slot machine are 1-in-262,144 on a slot with 64 stops on each reel. Considering you have a better chance of getting struck by lightning, you should probably walk away from the slots games if you want to walk home with a fat wallet.

Instead, take a walk over to the blackjack table. That’s right, you heard us.

While it depends on the game variation, you generally have the best chance of winning blackjack than winning any other kind of casino game.

The House Edge on blackjack is around 1%, making it the best game to play at a casino, even for beginners.

It’s difficult to calculate just how much you’re expected to win from blackjack (it’s dependent on your bet size, how many hands you play, etc.), but we do know that if you have an adrenaline high off success, the blackjack table is the place to be when it comes to the best gambling games to win real money.

Plus, blackjack is a super simple game to learn! There’s a minimal barrier to entry for blackjack, and as long as you take some time to learn the rules and come with a nice bankroll, you could win big.

Highest-Paying Casino Table Games

Rank Game House Edge Chances of Winning a Hand Biggest Win
1 Blackjack With basic strategy, 1%, without strategy, 2-3% 42.22% $40 million, Kerry Packer
2 Baccarat With Banker Bet, 1.06% Banker’s hand wins 45.8%, Player’s hand wins 44.6% $6 million, Akio Kashiwagi
3 French Roulette With even money bet, 1.35% High/Low, Red/Black, Even/Odd bets have a 48.64% of winning $3.5 million, Pedro Bartelle
4 Craps Odds bets, 0%, Pass bets, 1.41% 22.22% of player winning on come out, 27.07% of player winning on a point $30 million, Kerry Packer
5 European Roulette 2.7% High/Low, Red/Black, Even/Odd bets have a 48.65% of winning £1.3 million, Mike Ashley

Best Payout Slot Machine

With thousands of slot machines all flashing, blinking, and vying for your attention, picking one that pays well and is interesting at the same time can be a challenge.

But, if you’re in the market to find a slot machine with the highest possible RTP and don’t care about graphics or style, you’re in luck.

Out of all the online slots out there, only a select few have an RTP of 99% or better—this would be the highest RTP online casino. That means for every $1 you put in; you might get back $0.99.

Ugga Bugga, while not a very attractive slot machine, offers a 99.07% RTP. This tiki-themed, 3-reel slot machine has 10 paylines and low variance. The maximum payout is 5,000 coins, but you can set the value of the coins anywhere from $0.01 to $1.00. While playing it for a few spins, we made around $200 profit!

Ugga Bugga Slot Machine

It’s worth noting that while you might be on the hunt for the highest RTP slot game on the market, it’s also a good idea to play slots with lower payout percentages.

Why, you ask?

Well, slot machines with lower RTPs tend to be jackpot progressives. So, you’re sacrificing a higher RTP for the potential to win thousands of dollars if you hit the jackpot. It’s a good trade-off, especially if you plan on playing the slot for a long time at the best online gambling with real payouts.

Average Payout Percentages for Popular Casino Games

Game Game Variation Avg. Payout Percentage
Blackjack American 99.95%
Multi-Hand 99.60%
European 99.60%
Double Exposure 99.33%
Baccarat European 98.99%
American, Baccarat en Banque, Punto Banco 98.94%
Mini Baccarat 98.76%
Chemin de Fer 98.56%
Craps Traditional 98.64%
Poker Texas Hold’em 98.60%
Joker Poker 97.30%
5 Card Stud 98.19%
3 Card Stud 97.15%
Omaha Hold’em 96.96%
Pai Gow Poker 96.78%
Omaha Hi/Lo 96.45%
Stud Poker 96.30%
Oasis 96.29%
Roulette European, French 97.30%
American 94.74%

Understanding Variance

Variance goes hand in hand with RTP. If you think of RTP as the big red X-marks the spot on a map, variance is the journey it takes to get to that X.

In many ways, variance is far more important than RTP, especially for slots players. Variance, in the simplest terms, refers to the up-and-down correlation between how long you play and how much you win.

High variance games require you to have a larger bankroll and play for longer periods of time. These types of games are high-risk-high-reward. You risk blowing your bankroll before you can reach the RTP and win your money back.

Low variance games don’t require as large of a bankroll, but they are low-risk-low-reward.

Most online casinos don’t publicly display variance on their games, so it’s up to you, the gambler, to notice trends and make an informed choice.

There are a few ways you can find out if a game has a high or low variance.

First off, you can look at the pay tables to determine variance. You just have to search online for the specific game you’re playing and find the pay table. The pay table will show you exactly what reel combinations will net you a win.

If the pay table seems to be evenly balanced, as in, it increases in value from lowest possible win to highest possible win, then that game is low variance.

But, if the pay table is more spread out, where the highest paying combinations are set far apart from the other combinations, chances are it’s a high variance game.

Another good indication of high variance slots games is if they have a bunch of free spin, multipliers, or spin-thresholds (like if you have to spin 8 times to trigger a win event). These games will rapidly increase your bankroll, but the journey to get to those events might break your bank.

Best-Paying Casino Slots

Rank Slot RTP Software Developer
1 Ugga Bugga 99.07% Playtech
2 Mega Joker 99% NetENt
3 Ooh Aah Dracula 99% Barcrest
4 Jackpot 6000 98.8% NetEnt
5 1429 Uncharted Seas 98.6% Thunderkick

Highest Paying Video Poker Slots

Video poker slots reside in the gray liminal space between traditional slots games and casino table games. The whole idea of the video poker machine was to bring the game of poker to individuals who have little experience or patience for the poker table, while also formatting it in an accessible, slot machine fashion.

Video poker machines tend to have better RTPs than most normal slots games, and that’s because of the table game aspect. Instead of a pay table that shows which combinations of symbols will net a win, the video poker pay table consists of poker hand rankings. If you understand hand rankings, you’ll understand video poker slots.

However, there are definitely a few variations of video poker that you should be playing if you’re looking to make a quick buck.

  • Double Bonus Poker – 100.17% payout ratio
  • Double Joker Poker – 99.96% payout ratio
  • Aces and Faces – 99.85% payout ratio
  • Jacks or Better – 99.54% payout ratio
  • Deuces Wild – 99% payout ratio

Now, there is some strategy that goes into video poker. The reason you can get over 100% return on Double Bonus Poker is because two pairs pays 2:1 instead of even money. So, by implementing a perfect strategy, you could guarantee a payout.

Unfortunately, casinos know this, so Double Bonus Poker is sometimes hard to find.

Best Payout Casino FAQ

  • Is It Better To Play Slots In-Person or Online?

    Typically, land-based casinos have between a 75-85% RTP on their slot machines, while online casinos are usually between 95-99%. This makes gambling on slots at online casinos a much better option.

  • How Do I Maximize RTP?

    RTP, also known as Return to Player Percentage, indicates how much money is paid back to players on average over time. Using $1 as an example, if you see a game with an RTP of 99%, this means that, over time, $0.99 of every $1 will be paid back in winnings.

  • What’s a Good RTP%?

    Generally speaking, an RTP% of 96% or more is good, and anything above that is that much sweeter.

  • Should I Play High or Low Variance Slots?

    Low variance slots are less risky, while high variance slots are riskier. You do stand to make more money from high variance slots, but only if you’re willing to stomach the risk. It all depends on your playstyle. Furthermore, if you’re interested in fulfilling wagering requirements, the low-variance slots may have a different game contribution percentage than other slots.

  • What Is The Best Table Game For Making Money?

    Blackjack has one of the highest average payout percentages, around 99.95%. Plus, the game is super easy to learn and perfect. But, if you’re already an avid poker player and you’re pretty good at the game, then you might want to stick with that. There are a lot more moving parts in poker than in blackjack, but it also takes more skill.

  • How Do I Find The RTP Of Slots Machines?

    A simple Google search usually works. Just type in the name of the slot machine and RTP (“Megabucks slot machine RTP”). If you’re playing at a land-based casino, you can always ask one of the attendants for more info. Sometimes land-based casinos will even post the RTP of their games on the machines themselves. Additionally, most online games will have this within the information section on the game itself.

  • What Are Wagering Requirements?

    Wagering requirements are a section of the terms and conditions of welcome bonuses and promos. They determine how much you must wager before withdrawing the bonus funds you receive as cash. An example of this is Wild Casino’s welcome bonus. There are five different deposits associated with it, each of them has 35x wagering requirements on the deposit you make and the bonus received.

  • What Is Game Contribution Percentage?

    This is another layer to wagering requirements at the best online casinos that pay out in the USA. This term indicates that some games count more toward the requirement than others. For example, most slots will be 100%, but games like blackjack could be 10% to 20%, meaning $0.10 to $0.20 of every $1 wagered will count toward the wagering requirement.

  • Does My Banking Method Impact My Payout?

    The only way your preferred banking method will impact your payout is by how long it will take for you to receive it. Some methods, like cryptocurrency, process quickly, whereas others, like a bank wire or transfer, could take longer.