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Highest payout online casinos USA

By Kati Saari. Updated:

Bojoko helps you find the best online casinos that payout. Best paying casinos are in high demand, but what online casino pays out the most? And what does it even mean if the casino has a high or low payout percentage?

On this page, you can read about how the payout percentages are generally calculated and how this method can be used with casinos, and why calculating them at all is pretty irrelevant.

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When choosing a casino you want to play at, you naturally want to get it right the first time. Best paying casinos can be hard to identify, but it can also be a bit of a mystery of how the casinos determine their payout percentage. And, what exactly it means to you.

Bojoko answers all your questions on this page. If you want to get in the action right away, the selection tool below presents casinos in order of their payout percentage.

Read more about the highest payout casinos

On this page, you can read more about the best payout casinos.

Best online casinos that payout USA

Bojoko helps you find the best online casinos that payout USA

We are here to help you find the top paying online casinos. We want you to understand how the payout percentage is calculated, what it means, and if it's relevant to you at all. It's our goal to offer you what you're looking for but also be as informative as we can.

We have already collected a casino list completed with payout percentages so that you can quickly see which ones are the best paying casinos out there. You can also switch between our ready-made filters to see the casinos with the best bonus offers for US players. Or, you can choose to make your own filter with your own preferences.

When you've found a casino you think could be the right one for you, you can click open the review page. The review pages have all the relevant information from bonuses to games and banking methods.

Our casinos have also been tested and reviewed by an expert, who made a real money deposit and played the games. Their experiences can give you a better view of what it's really like to be a customer at the casino.

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What is a payout percentage

A payout percentage is also known as an RTP, which is short for 'Return to player'. This term is often used with casino games and it lets you know statistically how big of a portion of the bets the game will give back to the players as wins.

EXAMPLE: A game has an RTP of 95%. On average, it will give the players $95 as wins for every $100 staked.

The percentage is usually calculated from the results of tens of thousands of spins. This means that the calculated RTP doesn't really come true during single sessions.

The payout percentage of an online casino

In theory, this statistical percentage can be used to calculate an RTP of a casino. How it's done is you need to know the payout percentage of every single one of the games, add them up and divide the result with the number of the games. The outcome is the average payout.

Casino payout rate = All player winnings ÷ all player losses.

EXAMPLE: Unibet has announced having a payout percentage of 96.3% across their games.

Does the RTP of a casino matter

It's understandable why players are searching for online casinos with the best payouts; because they want to win more. But, the harsh truth is that the payout level of a casino hardly matters.

Even if a casino tells you that they have a payout percentage of 97%, this only applies if you play all of their games equally.

The payout percentage of an online casino can be a vague indicator of the collective RTP of their games, but it doesn't mean it's the RTP you get.

It all comes down to the games you choose to play. Even at best, the payout percentage only tells us that either the casino doesn't have that many low RTP games, or that they carry enough high RTP games to raise their average.

As a player, the payout percentage you should care more about is the RTP of the game you've chosen to play.

Remember, that it's still a statistical number, but it's still far more accurate than the payout percentage of an entire casino site.

How is the RTP data verified?

Data and statistics are verified by independent third parties who run rigorous tests on a regular basis.

Calculating the payout percentages of casino games is relatively straightforward. However, for casino brands, it is slightly more challenging.

To calculate the RTP of a casino, test houses calculate how many stakes were placed by the players across the total amount of wagers against the total payouts.

The higher the payout percentage is, the more the casino is paying back to players.

Independent test houses who are in charge of statistics and data include:

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Highest payout online casino games

Besides signing up to a high payout US casino, you should also look into playing games with a high payout rate. Here are some casino games with the highest average payout rate:

Blackjack – 99% average

Blackjack is easily one of the best casino games with the highest payout rate out there. If you have a strategy in place and make the right decision, you lower the house edge slightly.

Although blackjack is available in different variations, the RTP barely changes across the board. The RTP rate does not take side bets into consideration. Side bets, e.g. insurance and 21 + 3 lower the payout rate considerably.

Baccarat –  98.9% average

Baccarat also shares a high payout rate amongst card and table games. The game does not have many variants and with very few options available, there is very little difference from standard gameplay.

Craps – 98% average

Craps is also another popular game available in RNG or live dealer modes. The pass line has better odds than other options, which might explain why the average payout is quite high.

Poker - 96% average

There are different types of online poker games out there all offering varying payout rates. Some such as Jacks or Better can have a high payout rate of 99%. However, you need to factor in your skills as well as the game variant you are playing. 

Don't head into the game thinking you'll win your money back if you don't know how to play it and don't understand the rules.

Casino games with a lower payout rate

The games with the lowest RTP include online slot games (depending on game supplier), online scratch cards (80%), and lotteries such as Powerball and Mega Millions (20-60%).

The following are some of the games that have low payout rates and that you should tread with care. If you are aiming to have fun and not expecting much in return, these would do:

Online slots - 96% average

Slot games have come a long way since launching online. The payout rate has gone up considerably over recent years, due to the industry's competitive streak.

With advances in technology, more slot games introduced in-game features, such as free spin bonuses rounds, wilds, and multipliers. This can result in varying payout rates, which is why it is recommended that you research slot games before sitting down to play. 

Although many game suppliers hide the payout rate for their games, there are many more who openly supply it. Watch out for lesser-known game suppliers who might have lower RTP rates. On Bojoko, all online slot reviews list key facts and figures of the game, including the RTP.  On Bojoko, all online slot reviews list key facts and figures of the game, including the RTP.

Land-based slot games, on the other hand, have a depleted lower payout rate. This could be down to overhead costs and other expenses incurred in running a fully-fledged casino. The RTP of games at land-based casinos is not openly available.

If you still would like to play slot games, we recommend checking out our page of best payout slots online.

Roulette – 97% average

Touted as one of the best casino games in the world following blackjack, roulette is yet another game with a high RTP. Roulette is available in different variants.  Choose your version carefully. In American roulette, the house edge is twice as high as that of the European variant.

How to maximize your casino payouts

Choosing the next best payout online casino US should not be that difficult. Simply follow the below steps to have the best possible experience.

Play responsibly at high payout casinos

Online casinos are businesses, which is a fact often easy to forget. And, like any business, they're here to make a profit.

There's always a risk involved when gambling online. That is why you should never gamble money you can't afford to lose and not treat gambling as a quick way to earn cash. In the long run, the casino always wins in the end.

US-licensed online casinos offer great tools for staying in control of your gambling. Set limits to your deposits and set a timer to give you a reality check. For more help and contact info for support services in the US, check out our Responsible gaming page.


Check out the Bojoko list of the top payout casinos.

The casino payout percentage rate is made up of the percentage of bets paid back to players as winnings or rewards.

The payout rate is mostly calculated on the selection of high RTP games that the casino has available, along with the casino bonuses and low wagering requirements that they have on offer. The RTP rates of the games are determined by the game manufacturers and not the casino sites themselves.

This can be further combined with cashback as well as loyalty schemes giving players a good chance of winning some money back.

It's impossible to say. Your personal payout rate is tied very tightly to which games you play and the strategy you play them with. This is why knowing the RTP of the game is often more important than the payout level of the casino.

Here on Bojoko, of course! Our list of best paying US casinos consists of gambling sites organized by their payout levels. But, be sure not to choose a casino based solely on the payout rate. On Bojoko, you can also check out the bonus offers, game selections, and available payment methods.

Usually, live dealer games such as Blackjack and Baccarat have the best payout rate, provided you have a good strategy in place and ample skill at the games in question.


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Kati Saari

Article by:

Kati Saari

Kati Saari has worked in the gambling industry since 2014. She has tested hundreds of casinos and written thousands of articles while evolving into an iron-clad expert in her field. Having a true passion for her work she’s adamant not to let anything past her without thorough research.

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