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Choosing the highest payout casino sites is key to smarter play. We tested and ranked the best options for players in the United States, with easy-to-follow tips that help to boost your returns now.
Return to Player (RTP) is a theoretical percentage showing the average payout to players over time.
Even if RTP percentages are higher, they’re not a guarantee of winning.
Licensed casinos and game developers must publish RTP percentages for games.
Blackjack tends to offer the highest payout rates at online casinos.
In the following list, you’ll find our top recommendations for trustworthy online casinos. These sites offer American players the best gaming options, welcome bonues, and high payout rates. Click the links to read our in-depth reviews covering everything you need to know.
The Best Casino Payouts for US Players
Position
Online Casino
Rating
Bonus
Banking Options
Withdrawal
Games
Average RTP
To the provider
Review link
General terms and conditions
1
Hard Rock Casino
5.0/5
100% up to $1,000+ $25 Casino Bonus
Instant Bank Transfer, Visa, Mastercard, American Express, PayPal, Venmo, Play+, Apple Pay
21+. NJ Only. Offered by Seminole Hard Rock Digital, LLC. All Rewards issued as non-withdrawable site credits. $25 Casino Bonus has a 1x wager requirement. Deposit match has a 10x wager requirement. Bet with your head not over it. GAMBLING PROBLEM? CALL 1- 800-GAMBLER
2
Caesars Palace
4.9/5
$10 sign-up bonus+ 100% up to$1000+ 2500 Reward Credits
Full T&Cs apply. NJ only. 21+. New users only. Know When To Stop Before You Start.® Gambling Problem? If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537). Terms & conditions apply.
3
BetRivers
4.8/5
Up to $500 in Casino Losses Back
Visa, Mastercard, Discover, American Express, Venmo, Online Banking, PayPal, Play+, PayNearMe, VIP Preferred ACH
New players only. Bonus paid as site credit expiring in 30 days. CASINO500: Bonus match of first deposit (up to $500). 1X playthrough requirement on select games.
4
Stardust
4.7/5
Up to $100 + 200 Free Spins
Visa, Mastercard, PayPal, Play+, PayNearMe, Venmo, Cash at Cage, Bank Wire Transfer, Online Banking, Trustly, VIP Preferred
Valid for new customers only. Min. deposit $10. 100% match up to $100 bonus plus 200 spins on Starburst. Must select offer at deposit to receive bonuses. 20X play-through requirements. Only qualified games contribute towards wagering. 7 days validity period. Terms & conditions apply.
New Casino customers only. Up to 50 Spins on 10 separate days out of the next 20 when you sign up and deposit a minimum of $10. Max. prize, time limits, game restrictions and T&Cs apply.
6
PlayStar
4.5/5
100% up to $500 + 500 Free Spins
Visa, Mastercard, PayPal, Play+, VIP Preferred, Cash at Cage
25 +PlayStar Welcome Offer: Newly registered patrons will be offered a 100% deposit match Welcome Bonus up to $500 on their first deposit and will be eligible to receive up to 500 free spins. The 100% bonus will only be applied on the patron's first deposit. Available in New Jersey, Pennsylvania, New York, Delaware, and Florida.
Why Online Casino Payout Rates Matter
To improve your chances of winning at the best online casinos and get better value, understanding payout rates is the way. RTP (Return to Player) is the percentage of all wagered money that a casino game pays back to players over time, but the most important thing to remember is that it’s all theoretical. There is no guarantee of success, even at casino sites offering games with the best payout rates.
Volatility also matters: High-volatility games pay less often but can deliver larger wins, while low-volatility games offer smaller, more frequent payouts. Knowing both can help you choose games that match your play style.
You will usually find the licensing and regulatory authority in the footer of the website, verifying that the casino payout rate is independently audited.
Can You Trust the Stated Online Casino Payout Percentages?
Yes, you can trust the average RTP rates listed at the highest payout casino sites we reviewed. They are officially licensed and regulated.
Also, legit casino sites must undergo regular audits by independent testing organizations, such as eCOGRA and GLI, which verify payout rates and the fairness of their games.
Important: Don’t be fooled by online casinos promising unbelievable payout rates above 99%. If it sounds too good to be true, it probably is — always choose safe, licensed sites that have verified audits.
Which Are the Highest Payout Casino Games?
The casino site’s overall payout rate is an average of all its games, so the type of game you choose matters! Here are some of the best online casino games for higher payouts—but keep in mind that exact RTP rates may vary based on game rules and gameplay mechanics.
Picture: Comparison of the payout rates for casino games
Best Payout Online Slots
The highest RTP online slots often feature lower volatility, meaning they pay out more frequently, though usually in smaller amounts. These games provide a steadier stream of returns, which can be appealing if you want more consistent gameplay.
By comparison, high-volatility online slots often include progressive jackpots or large prizes. Wins are less frequent, but payouts can be much bigger. These games usually have lower RTPs because part of each bet funds the jackpot, reflecting the trade-off between payout frequency and prize value.
Mega Moolah – 88.12%
Major Millions – 91.00%
Major Moolah – 91.00%
King Cashalot – 94.00%
Fruit Fiesta – 94.00%
Jackpot Giant – 94.22%
Hall of Gods – 95.50%
Wheel of Wishes – 96.40%
Divine Fortune – 96.59%
Mega Fortune – 96.60%
Remember: Legit casino sites will always publish the RTP rates for slots in the game information or paytable pages. Always check these before placing bets.
How Can I Increase My Winning opportunities at Online Casinos?
Readers often ask us this question, so it’s important to point out that there are no guaranteed formulas or strategies for winning. However, there are ways to gamble responsibly at casino sites that can increase your payout opportunities while helping to improve your overall gaming enjoyment.
Remember that online gambling should always be viewed as a form of entertainment, rather than a way to make money. With this approach in mind, we have some practical tips to share:
Choose online casino payments with no fees.
When deciding which payment methods to use for deposits and withdrawals, check all the options available and choose those with no extra fees. Remember that if there are fees attached to your preferred withdrawal methods, they reduce the profitability of your winnings.
Take advantage of bonuses and promotions.
Some bonuses can offer you increased winning opportunities, such as free spins on slots or extra playing funds, but you should always check the terms and conditions attached.
If wagering requirements are high, game choices and time limits are restrictive, or maximum withdrawal amounts are capped, they don’t offer any real advantages. Remember that bonuses are optional, so choose promotions that fit your own gaming tastes.
Look for games with high RTP rates.
Casino games with high Return-to-Player (RTP) percentages improve your long-term outcomes. They don’t guarantee or imply higher chances of winning, but they do reduce your expected losses. This gives you more playing time and more opportunities to win. RTP rates are usually displayed in the game rules, paytable, or information pages within the game itself.
Set your playing budget and stick to it.
No matter the size of your bankroll or spending capacity, establishing a rigid playing budget is always a good idea. Try to avoid falling into the trap of chasing losses—and even if you’re enjoying a winning streak, knowing when to walk away in either situation is important.
Read the casino game rules and paytables before playing.
Online casino games usually have game rules and paytable information pages. There’s no rush—take your time reading through them before you start playing. Knowledge is power, and the more you know about any casino game, the better your chances of spotting winning opportunities.
Take care with side bets in casino games.
Many online casino games now feature a wide variety of side betting options. Although side bets can offer increased winning opportunities, they can also carry higher odds and imply greater levels of risk.
Try to calculate the level of risk versus the potential rewards before deciding if those side bets will add anything to your own gameplay.
Practice games for free before gambling with real money.
Game developers often have demo versions of games you can try for free, as do some online casino sites. These are a useful way to practice, helping you become more familiar with gameplay mechanics, betting options, and game rules before you risk any real money.
Know the minimum and maximum betting options in games.
Always check the minimum and maximum wagering options for the games you play. This can help you identify games that fit within your gambling budget.
In most online casino games, although staking higher amounts can increase your potential winnings, there’s also increased risk of losing your funds a lot faster. Try to find the right balance.
Play with a clear mind and focus.
Balancing your emotions can be tricky when playing online casino games, especially when you’re staking real money on the outcomes of your bets.
Try to stay calm and focused on what you’re doing so you can better identify potential wins and losses. Avoid gambling while under the influence of alcohol or drugs, which can impair your decision-making process.
Know when to pause or stop playing.
When playing online casino games that are engaging and fun, your sense of time can easily become distorted, with minutes quickly turning into hours. Becoming tired or jaded while playing will not help your winning opportunities.
Take breaks between playing sessions—or stop completely—moderating the time and money you spend while playing.
Conclusion – Playing at the Best Paying Casinos
Playing at online casinos with high payout rates doesn’t just improve your odds—it enhances your overall enjoyment. Our list highlights only licensed sites with audited games, offering fair play and consistent payouts, vetted for transparency so you can play confidently.
Angelina Vodenicharova Casino Expert
“For me, the most important factor when choosing a casino isn’t flashy promotions—it’s knowing the payouts are fair and verified. That’s where the real value is found.”
Should you need further details regarding the payout rates at top US online casinos or how these theoretical figures are calculated, our team of experts is ready to help.
Why does the payout rate differ between online casino games?
Every game works differently. Slot payouts come from reel symbols, paylines, and special features, which can vary widely. Table games like blackjack or roulette usually use fixed odds for certain outcomes, so players always know what a winning hand or bet will pay. That’s why payout rates are never the same across all games.
Are the payout rates for live casino games higher than in RNG games?
Random Number Generator (RNG) games usually offer higher payout rates due to lower operational costs. Yet, live games like blackjack can also have high payouts because player decisions like doubling down or splitting pairs help reduce the house edge.
When is the best time to win playing online casino games?
Timing doesn’t affect your winning odds in most online casino games, but progressive jackpot slots are often more attractive when the prize pool is highest, after other players have filled up the pot. For table games like online roulette, experienced players might look at result patterns before deciding when and where to place bets.
What's the difference between payout rate and house edge?
These are two sides of the same coin. The RTP (Return to Player) shows the percentage of wagers returned to players over time, while the house edge represents the remainder—the percentage that online casinos keep.
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Written By Angelina Vodenicharova
