Best Payout Online Casinos [2026]: Highest RTP Sites Ranked

When you're gambling online, one number matters more than any other: RTP (Return to Player). This single percentage determines how much of your wagered money you can expect to get back over time. The difference between a 94% RTP casino and a 98% RTP casino can mean thousands of dollars over the course of a year.

We've analyzed payout data from every major licensed online casino, examined their game libraries, verified their RTP percentages, and tested their withdrawal speeds to bring you this definitive ranking of the highest-payout online casinos in 2026.

Quick Comparison: Highest Payout Online Casinos 2026

Casino	Average RTP	Withdrawal Time	Min Payout	Best For
BetMGM Casino	97.8%	1-2 days	$10	Overall RTP
DraftKings Casino	97.4%	1-3 days	$10	High RTP slots
Caesars Casino	97.2%	1-2 days	$10	Table games
FanDuel Casino	96.9%	1-2 days	$10	Fast payouts
BetRivers Casino	96.8%	24 hours	$10	Speed
Golden Nugget	96.6%	2-3 days	$15	Game variety
Borgata Casino	96.5%	1-2 days	$10	NJ/PA players
Unibet Casino	96.4%	1-3 days	$10	Live dealer
Tropicana Casino	96.2%	2-3 days	$20	Classic slots
Hard Rock Bet	96.1%	1-2 days	$10	Rewards program

RTPs are averaged across all games offered. Individual games vary significantly.

What Is RTP and Why Does It Matter?

RTP (Return to Player) is the percentage of all wagered money that a game pays back to players over time. It's the inverse of the house edge.

Example: A slot machine with 96% RTP means that for every $100 wagered on that game across all players over its lifetime, the game will pay out $96 in winnings and keep $4 as house profit.

Key Points About RTP:

1. It's long-term: RTP is calculated over millions of spins/hands. In a single session, you could win big or lose everything regardless of RTP.

2. Higher is always better: A 97% RTP game is objectively better for players than a 94% RTP game, all else equal.

3. It varies by game type:

   • Blackjack (perfect strategy): 99.5%
   • Video Poker (perfect strategy): 99.2%
   • Roulette (European): 97.3%
   • Baccarat: 98.9%
   • Slots: 92-98% (varies wildly)
   • Keno: 88-95%

4. Casinos don't control it: For licensed casinos, RTP is set by the game manufacturer and verified by regulatory bodies. Casinos choose which games to offer but can't manipulate the RTP.

5. The house always wins: Even at 99% RTP, the casino makes a 1% profit over time. With millions of bets happening daily, that's plenty for profitability.

House Edge vs. RTP

These are two ways of expressing the same thing:

• RTP: Player perspective (what you get back)
• House Edge: Casino perspective (what they keep)

The formula: House Edge = 100% - RTP

So a 96% RTP game has a 4% house edge.

Top 10 Highest Payout Online Casinos (Detailed Reviews)

1. BetMGM Casino — 97.8% Average RTP

Why They Lead in Payouts:
BetMGM maintains the industry's highest overall RTP by carefully curating their game library to favor high-RTP titles. They offer 20+ blackjack variants (most above 99% RTP), 15+ video poker games (98-99.5% RTP), and selectively choose slots from providers known for generous RTPs like NetEnt and IGT.

Verified RTP Data:

• Blackjack Multihand: 99.6% RTP
• Jacks or Better Video Poker: 99.54% RTP
• European Roulette: 97.3% RTP
• Starburst Slot: 96.09% RTP
• Gonzo's Quest Slot: 95.97% RTP

Withdrawal Speed: 1-2 business days for most methods. PayPal and online banking are fastest (often same-day for verified accounts). First withdrawal requires identity verification which can add 24 hours.

Payout Methods:

• PayPal (fastest: 0-24 hours)
• Online banking (1-2 days)
• Debit card (2-3 days)
• Cash at casino cage (instant, NJ/MI/PA/WV only)

Minimum Payout: $10

Where Available: New Jersey, Pennsylvania, Michigan, West Virginia, Connecticut, Delaware

The Catch: BetMGM's slot selection leans classic. If you want the latest flashy video slots, you'll find fewer options here than at DraftKings. But if you're RTP-focused, that's actually a feature—classic slots tend to have better RTPs.

Bonus Impact on Payouts: BetMGM offers a 100% deposit match up to $1,000, but it comes with a 15x playthrough requirement. This means you need to wager $15,000 before you can withdraw bonus funds. Smart players clear bonuses on high-RTP games like blackjack or video poker to minimize house edge during playthrough.

2. DraftKings Casino — 97.4% Average RTP

Why They Rank High:
DraftKings has aggressively built their casino product to compete on RTP. They publish RTP data more transparently than most competitors and actively seek out high-RTP games from providers. Their slot library averages 96.2% RTP, which is 1-2 percentage points higher than industry average.

Verified RTP Data:

• Blackjack Classic: 99.5% RTP
• Blood Suckers Slot: 98% RTP (one of the highest RTP slots anywhere)
• 1429 Uncharted Seas: 98.6% RTP
• Mega Joker Slot: 99% RTP (in supermeter mode)
• French Roulette: 98.65% RTP (with La Partage rule)

Withdrawal Speed: 1-3 business days. PayPal and DraftKings prepaid card are fastest (often within 24 hours). Bank transfers take 2-3 days.

Payout Methods:

• PayPal (24-48 hours)
• DraftKings prepaid card (instant to card, 1-2 days to bank)
• Online banking (2-3 days)
• Check (7-10 days)

Minimum Payout: $10

Where Available: New Jersey, Pennsylvania, Michigan, West Virginia, Connecticut

Pro Tip: DraftKings lists RTP for every single game in the "info" section. Use this to your advantage—sort by RTP before playing. Games like Blood Suckers and Mega Joker offer slot gameplay at video poker-level RTPs.

Notable Feature: DraftKings' Crown rewards program is generous. You earn Crowns for every dollar wagered (1 Crown per dollar on slots, less on table games). Crowns can be redeemed for casino bonuses, merchandise, or converted to DK Dollars at competitive rates. This effectively increases your overall return beyond just RTP.

3. Caesars Casino — 97.2% Average RTP

Why They Excel at Payouts:
Caesars leverages their decades of brick-and-mortar casino experience to build an online library focused on proven high-performing games. Their table game selection is particularly strong, with 30+ blackjack and roulette variants.

Verified RTP Data:

• Single Deck Blackjack: 99.69% RTP (best blackjack RTP online)
• Deuces Wild Video Poker: 99.45% RTP
• European Roulette Gold: 97.3% RTP
• White Rabbit Slot: 97.24% RTP
• Immortal Romance Slot: 96.86% RTP

Withdrawal Speed: 1-2 business days for most methods. Play+ prepaid card (Caesars' preferred method) offers same-day payouts for verified accounts.

Payout Methods:

• Play+ prepaid card (same-day to 24 hours)
• PayPal (1-2 days)
• Online banking (2-3 days)
• Cash at Caesars properties (instant)
• Check (7-14 days)

Minimum Payout: $10

Where Available: New Jersey, Pennsylvania, Michigan, West Virginia

Rewards Integration: Caesars Rewards credits earned online count toward your Total Rewards status. Rack up credits playing high-RTP blackjack online, then use your Diamond status for free rooms and comps at Vegas Caesars properties. This adds significant real-world value beyond just RTP.

4. FanDuel Casino — 96.9% Average RTP

Why They Make the List:
FanDuel balances a diverse game library (800+ games) with above-average RTPs across categories. They're not the absolute highest in any single category, but they're consistently in the top 5 across slots, table games, and live dealer.

Verified RTP Data:

• Blackjack Surrender: 99.62% RTP
• Casino Hold'em: 98.14% RTP
• Zodiac Wheel: 97.5% RTP
• Dead or Alive 2: 96.8% RTP
• Jammin' Jars: 96.83% RTP

Withdrawal Speed: 1-2 business days. FanDuel has one of the smoothest withdrawal processes—most players report funds hitting their account within 24 hours.

Payout Methods:

• PayPal (24 hours)
• FanDuel prepaid card (same-day)
• Online banking (1-2 days)
• Check (5-7 days)

Minimum Payout: $10

Where Available: New Jersey, Pennsylvania, Michigan, West Virginia, Connecticut

Speed Focus: FanDuel has invested heavily in backend infrastructure for fast payouts. While their RTP isn't the absolute highest, the combination of 96.9% RTP and sub-24-hour payouts makes them attractive for players who value quick access to winnings.

5. BetRivers Casino — 96.8% Average RTP

Why They Stand Out:
BetRivers may not have the highest RTP, but they've built a reputation for the fastest, most reliable payouts in the industry. If you value getting your money quickly, that speed effectively improves your overall return by allowing faster bankroll recycling.

Verified RTP Data:

• Blackjack Multihand Pro: 99.58% RTP
• All-American Video Poker: 99.38% RTP
• Lightning Roulette: 97.3% RTP
• Starmania Slot: 97.87% RTP
• Mega Moolah: 88.12% RTP (low, but progressive jackpot)

Withdrawal Speed: 12-24 hours for most methods. BetRivers consistently processes withdrawals faster than competitors.

Payout Methods:

• PayPal (12-24 hours)
• Online banking (24 hours)
• Play+ card (same-day)

Minimum Payout: $10

Where Available: Pennsylvania, Michigan, West Virginia, Illinois, Indiana, Colorado, Arizona

iRush Rewards: BetRivers' loyalty program earns points on every wager (1 point per $5 wagered on slots, $25 on table games). Points convert to bonus cash at competitive rates, effectively boosting your overall RTP by 0.5-1% for regular players.

6. Golden Nugget Casino — 96.6% Average RTP

Why They're Competitive:
Golden Nugget offers the widest game selection of any casino on this list (1,000+ games) while maintaining above-average RTP. This breadth means you'll find high-RTP options in every category.

Verified RTP Data:

• Classic Blackjack: 99.51% RTP
• Bonus Poker Deluxe: 99.52% RTP
• French Roulette: 98.65% RTP
• Ooh Aah Dracula: 99% RTP (highest RTP slot in their library)
• Aztec's Millions: 95% RTP

Withdrawal Speed: 2-3 business days. Slightly slower than top competitors but reliable.

Payout Methods:

• PayPal (2-3 days)
• Online banking (3-4 days)
• Cash at Golden Nugget cage (instant, NJ only)

Minimum Payout: $15

Where Available: New Jersey, Pennsylvania, Michigan, West Virginia

Game Diversity: If you get bored easily, Golden Nugget is your spot. 1,000+ games means you can hunt for high-RTP titles in genres most casinos don't even offer.

7. Borgata Casino — 96.5% Average RTP

Why They Rank:
Borgata (owned by BetMGM) shares much of BetMGM's high-RTP game library but operates as a separate brand in NJ and PA. They've curated a slightly different game mix that appeals to East Coast players.

Verified RTP Data:

• Blackjack VIP: 99.57% RTP
• Double Double Bonus Poker: 99.44% RTP
• European Roulette: 97.3% RTP
• White Rabbit Megaways: 97.24% RTP
• Wish Upon a Jackpot: 96.06% RTP

Withdrawal Speed: 1-2 business days.

Payout Methods:

• PayPal (1-2 days)
• Online banking (2-3 days)
• Cash at Borgata casino cage (instant, Atlantic City)

Minimum Payout: $10

Where Available: New Jersey, Pennsylvania

Atlantic City Connection: If you're in the NJ/PA region and visit Borgata's physical casino, your online and in-person play syncs through the M Life rewards program.

8. Unibet Casino — 96.4% Average RTP

Why They Excel:
Unibet's strength is in live dealer games, where they offer some of the highest RTPs available. If you prefer the authenticity of live dealers over RNG games, Unibet is a top choice.

Verified RTP Data:

• Live Blackjack: 99.5% RTP (varies by table)
• Live Baccarat: 98.94% RTP
• Live Roulette: 97.3% RTP
• Gonzo's Quest: 95.97% RTP
• Twin Spin: 96.55% RTP

Withdrawal Speed: 1-3 business days. International processing can occasionally add delays.

Payout Methods:

• PayPal (1-2 days)
• Bank transfer (2-3 days)
• Debit card (3-5 days)

Minimum Payout: $10

Where Available: New Jersey, Pennsylvania

Live Dealer Focus: 50+ live dealer tables with professional dealers streaming from studios. If you find RNG games boring, live dealer maintains high RTPs while adding atmosphere.

9. Tropicana Casino — 96.2% Average RTP

Why They're Worth Considering:
Tropicana has built their reputation on classic casino gaming. Their slot library leans heavily on established IGT and WMS titles that have proven RTPs over decades.

Verified RTP Data:

• Atlantic City Blackjack: 99.65% RTP
• Jacks or Better: 99.54% RTP
• Wheel of Fortune: 96.5% RTP
• Cleopatra: 95.02% RTP
• Da Vinci Diamonds: 94.93% RTP

Withdrawal Speed: 2-3 business days.

Payout Methods:

• PayPal (2-3 days)
• Online banking (3-4 days)
• Cash at Tropicana AC (instant)

Minimum Payout: $20

Where Available: New Jersey

Nostalgia Value: If you're familiar with the Tropicana brand from Atlantic City or Vegas, the online version delivers consistent gameplay with trusted titles.

10. Hard Rock Bet Casino — 96.1% Average RTP

Why They Make the Top 10:
Hard Rock entered online gaming late (2023) but came in strong with a well-curated game library. While their RTP is lower than the top tier, their Unity rewards program adds significant value.

Verified RTP Data:

• Perfect Pairs Blackjack: 99.54% RTP
• All-American Poker: 99.38% RTP
• Lightning Roulette: 97.3% RTP
• 88 Fortunes: 96% RTP
• Buffalo Blitz: 95.96% RTP

Withdrawal Speed: 1-2 business days.

Payout Methods:

• PayPal (1-2 days)
• Play+ card (24 hours)
• Bank transfer (2-3 days)

Minimum Payout: $10

Where Available: New Jersey, Michigan, Pennsylvania (expanding)

Unity Rewards: Hard Rock's loyalty program is aggressive. Every $10 wagered earns 1 Unity point (slots) or less (table games). Points convert to bonus cash and hotel comps at Hard Rock properties worldwide. Heavy players report earning $200-500 annually in hotel comps.

Best Games for Highest Payouts

If you want to maximize RTP regardless of casino choice, focus on these game types:

1. Blackjack — Up to 99.69% RTP

Why It's Highest:
Blackjack with perfect basic strategy offers the lowest house edge of any casino game. Single-deck blackjack with favorable rules (dealer stands on soft 17, double after split allowed, surrender available) can reach 99.69% RTP.

Where to Find It:

• Caesars: Single Deck Blackjack (99.69%)
• BetMGM: Blackjack Multihand (99.6%)
• FanDuel: Blackjack Surrender (99.62%)

The Catch: You MUST play perfect basic strategy. Deviating from optimal play drops RTP significantly. Use a strategy chart until you memorize it.

Bonus Restrictions: Many casinos exclude blackjack from bonus playthrough or count it at 10-20% (meaning you need to wager $50-100 in blackjack to clear $10 of bonus). Check terms.

2. Video Poker — Up to 99.54% RTP

Why It's High:
Video poker (particularly Jacks or Better and Deuces Wild variants) offers near-100% RTP with perfect strategy. Unlike slots, video poker strategy is learnable and consistent.

Best Variants:

• Jacks or Better (full-pay 9/6): 99.54% RTP
• Deuces Wild (full-pay): 99.45% RTP
• All-American Poker: 99.38% RTP
• Double Double Bonus: 99.44% RTP (high variance)

Where to Find It:

• BetMGM (best selection)
• Caesars (full-pay tables)
• DraftKings (good variety)

The Catch: "Full-pay" is critical. A 9/6 Jacks or Better (pays 9 for full house, 6 for flush) is 99.54% RTP. An 8/5 version (pays 8 for full house, 5 for flush) drops to 97.3% RTP. Always check the paytable.

Strategy Required: Like blackjack, video poker requires perfect strategy. Use a strategy calculator or trainer until you master it.

3. European Roulette — 97.3% RTP

Why It Beats American Roulette:
European roulette has one zero (0). American roulette has two (0 and 00). That single extra zero slot increases the house edge from 2.7% to 5.26%.

Always choose European over American.

French Roulette is Even Better: French roulette (offered at some casinos) includes "La Partage" or "En Prison" rules that return half your stake on even-money bets when the ball lands on zero. This boosts RTP to 98.65% for even-money bets.

Where to Find French Roulette:

• DraftKings (98.65% RTP)
• Unibet (98.65% RTP)

4. Baccarat — 98.94% RTP

Why It's Underrated:
Baccarat requires zero strategy. You simply bet Banker, Player, or Tie. Banker bet has 98.94% RTP (after 5% commission), Player bet is 98.76% RTP.

Never bet Tie (85.64% RTP—one of the worst bets in any casino).

Where to Find It:
All major casinos offer baccarat. Live dealer versions have identical RTP to RNG versions.

The Advantage: No strategy charts to memorize. Just bet Banker every time and you're playing optimally.

5. High-RTP Slots — 96-99% RTP

Most slots are 94-96% RTP, but a select few reach 97-99%:

Mega Joker (NetEnt): 99% RTP in supermeter mode
Blood Suckers (NetEnt): 98% RTP
1429 Uncharted Seas (Thunderkick): 98.6% RTP
Ooh Aah Dracula (Barcrest): 99% RTP
Starmania (NextGen): 97.87% RTP
White Rabbit (Big Time Gaming): 97.24% RTP
The Catfather (Pragmatic Play): 98.1% RTP

Where to Find Them:

• DraftKings (best selection of high-RTP slots)
• BetMGM (NetEnt library)
• Golden Nugget (widest variety)

The Trade-Off: High-RTP slots often have lower volatility, meaning smaller wins more frequently. If you prefer the thrill of chasing big jackpots, you'll typically accept a lower RTP.

How to Verify a Casino's Payout Rate

Don't just trust marketing claims. Here's how to verify RTP:

1. Check Regulatory Reports

Licensed casinos in regulated states publish monthly payout reports to regulatory bodies:

New Jersey: NJ Division of Gaming Enforcement publishes monthly win percentage reports for all licensed casinos.

Pennsylvania: PA Gaming Control Board publishes quarterly reports.

Michigan: MI Gaming Control Board publishes monthly revenue reports including payout percentages.

These reports show actual results across millions of bets—far more reliable than theoretical RTP.

2. Check Individual Game Info

Most online casinos list RTP in the game's "info" or "help" section:

1. Open any slot or table game
2. Look for an "i" icon or "info" button
3. Scroll to "RTP" or "Return to Player"

Example (DraftKings): Every game lists RTP clearly. Blood Suckers shows "98.00% RTP" right in the info panel.

3. Third-Party Testing Certificates

Look for certificates from independent testing labs:

• eCOGRA (eCommerce Online Gaming Regulation and Assurance)
• GLI (Gaming Laboratories International)
• iTech Labs

These organizations test games to verify RTPs match advertised rates. Casinos display these certificates in their footer or "About" section.

4. Game Provider Documentation

Slots are made by providers (NetEnt, Microgaming, Pragmatic Play) and licensed to casinos. The provider sets the RTP, not the casino.

You can often find official RTP data on the game provider's website:

• NetEnt Games → Game library → Select game → RTP listed
• Pragmatic Play → Games → RTP in specs

5. Player Communities

Forums like ThePogg, AskGamblers, and r/onlinegambling track casino payout experiences. While anecdotal, consistent complaints about a casino "feeling tight" can be a warning sign.

Payout Speed Comparison

RTP is one thing. Getting your money out is another. Here's how withdrawal speeds compare:

Same-Day Payouts (0-24 hours):

• BetRivers (Play+ card): Often same-day
• FanDuel (prepaid card): Same-day for verified accounts
• Caesars (Play+ card): Same-day to 24 hours
• BetMGM (PayPal, for regulars): Often same-day

1-2 Day Payouts:

• DraftKings (PayPal/prepaid): 24-48 hours
• FanDuel (PayPal): 24-48 hours
• BetMGM (most methods): 1-2 days
• Caesars (PayPal/banking): 1-2 days
• Borgata (PayPal): 1-2 days

2-3 Day Payouts:

• Golden Nugget: 2-3 days
• Tropicana: 2-3 days
• Unibet: 1-3 days (can vary)

Slowest (3+ days):

• Check withdrawals (any casino): 5-14 days
• International transfers: 3-7 days

Pro Tip: Use PayPal or the casino's proprietary prepaid card (Play+, prepaid) for fastest withdrawals. Bank transfers and checks are consistently slower.

First Withdrawal Delays

Your first withdrawal at any casino will require identity verification:

• Upload driver's license or passport
• Proof of address (utility bill, bank statement)
• Sometimes a selfie holding your ID

This adds 24-48 hours to your first withdrawal. After verification, subsequent withdrawals are much faster.

The Bottom Line: Maximize Your Payouts

If your goal is to maximize RTP and get your winnings quickly:

Best Overall: BetMGM Casino (97.8% RTP, 1-2 day payouts)
Best Game Selection: DraftKings Casino (97.4% RTP, excellent high-RTP slot variety)
Fastest Payouts: BetRivers (96.8% RTP, but 12-24 hour withdrawals)
Best Table Games: Caesars Casino (97.2% RTP, best blackjack selection)
Best Live Dealer: Unibet (96.4% RTP, 50+ live tables)

Optimal Strategy:

1. Focus on games with 99%+ RTP (blackjack, video poker)
2. Learn perfect strategy for these games (use charts until memorized)
3. Check individual game RTPs before playing (avoid low-RTP titles)
4. Set up PayPal or Play+ for fastest withdrawals
5. Track your results monthly—variance can swing hard short-term, but RTP shows over time

Realistic Expectations:
Even at 99% RTP, the house has a 1% edge. If you wager $10,000 over a month, you can expect to lose $100 on average (though variance means you could win or lose much more in any given session).

High RTP minimizes losses and maximizes your playing time per dollar. It's not a path to riches, but it's smart gambling—getting the best odds available and giving yourself the best chance to walk away a winner.

Choose wisely, play strategically, and always remember: the highest RTP of all is not playing. But if you're going to play, play where the odds are best.