Terms and Conditions | US Online Casino Sites

These terms and conditions set out the rules for using US Online Casino Sites at thepaulsmithart.com. They explain what this site is, how our rankings and reviews are produced, where our money comes from, who is allowed to use the information here, and what we can and cannot be responsible for. By browsing the site you accept them. Last reviewed: September 27, 2026.

One point up front, because it decides most of what follows: we are a research and comparison publisher, not a casino and not a regulator. We do not accept deposits, hold player funds, run games or pay winnings. Every account you open, every dollar you deposit and every bonus you claim is a contract between you and that operator, governed by their terms, not ours.

Who may use this site

US Online Casino Sites is written for adults aged 21 or over who are physically located in the United States. If you are under the legal gambling age in your state, or you are in a state where the activity described is not permitted, you must not use the offers featured here.

Legal online casino play in the US is regulated state by state. There is no single federal licence that authorizes an operator to serve players nationwide. A handful of states license real-money online casino gaming through their own gaming commissions or lottery bodies; sweepstakes and promotional-sweepstakes models operate under different rules again and are unavailable in some states regardless. Availability also changes — states add, amend and restrict rules, and operators change which states they accept.

Because of that, three obligations fall on you rather than on us:

Check your own state. Confirm that the operator you are considering is permitted to accept players in your state, and confirm it on the operator's own site or with your state gaming authority, not from a comparison page alone.
Confirm your age and identity honestly. Operators are required to verify both. Misrepresenting either can void an account and any balance in it.
Understand what you are signing up to. A promotional sweepstakes casino, a state-licensed real-money casino and a sportsbook-led brand all work differently, and their terms are not interchangeable.

We describe what operators advertise. We do not confirm that any brand is authorized to serve you where you live, and accepting US customers is not the same thing as being authorized to serve them.

How we make money, and what that does not buy

Some links on thepaulsmithart.com are commercial. If you follow one, open an account and play, we may receive a commission from the operator. You pay nothing extra, and the terms you get are the operator's published terms.

Commercial relationships do not buy a position in our lists. Ranking order and editorial ratings are set by our own review process, described below. A brand that pays us nothing can outrank one that does, and a paying brand can be marked down or removed if its terms deteriorate. Where we cannot verify something an operator claims, we say so rather than repeating the marketing.

How our rankings and ratings are produced

Our editorial ratings — shown on the cards above, on a scale up to 10.0 — are our opinion, formed from research. They are not customer-review scores, they are not an average of user ratings, and they are not the result of our team depositing or playing. We research published terms, licensing and ownership information, payment documentation, game libraries and complaint procedures, then score what we find.

The factors we weigh:

Bonus terms in full — wagering requirements, maximum bonus bet, bonus expiry dates, cashout caps and game weighting, not just the headline percentage.
Withdrawal conditions — minimum withdrawal amounts, withdrawal limits per day, week or month, stated processing times and any fees.
Payment methods — which options are genuinely available to US players in USD, and what each costs.
Licensing, regulation and ownership — what the operator publishes about who runs it and under what authority.
Games and software — the range of slots, table games and live dealer rooms, and the named software providers behind them.
Verification and complaints — how KYC is handled, and whether there is a documented complaints route.
Responsible gambling tools — deposit and loss limits, session reminders, self-exclusion.

Ratings are a snapshot. Operators change terms without telling us, so a rating dated today may not describe the site you land on next month. Always read the current terms on the operator's page before you deposit.

The offers we feature, and the conditions attached

Headline bonus figures are advertising. They are the maximum a player could theoretically receive under perfect conditions, and almost nobody receives the maximum. The conditions beside each offer matter more than the number. Below are the featured offers exactly as the operators advertise them, with the checks that decide whether each is worth anything to you.

Operator	Advertised offer	Editorial rating	What to read before claiming
Raging Bull	410% up to $10,000 + 50 Free Spins	10.0	Wagering multiple, max bonus bet, spin value and any cashout cap
Magician Bet	101% No Wagering	9.9	What "no wagering" applies to, and whether withdrawal limits replace it
Slots of Vegas	375% Bonus + 50 Free Spins on Cash Chaser	9.6	Game restriction on the spins; expiry window
Uptown Aces	600% For New Players	9.6	Qualifying deposit, eligible games and playthrough
Card Crush	Instant Welcome Reward 2 Mystery Coins & 5 Cards	9.6	What the coins and cards convert to, and redemption rules
Zumba Cards	250% Deposit Bonus up to 250 SC	9.3	SC play rules and redemption minimums
BetUS	200% up to $4,000 for New Players	9.3	Whether the bonus splits across casino and sportsbook
Amazon Jackpots	4 Posters + 40 FREE SC + Bonus Wheel for $20	9.1	This is a purchase, not a free offer — the $20 is yours
Slots and Casino	500% up to $2,500 x3	9.1	Each tranche typically carries its own deposit and wagering terms
Bets.FM	225% deposit bonus up to 1 BTC + 225 Free Spins	9.0	Crypto-denominated cap; spin release schedule

We reproduce offers as advertised at the time of review. If an operator amends or withdraws a promotion, their current terms govern — not the description here. Our fuller explanation of playthrough, caps and expiry sits on our free spins and bonus terms guide.

Raging Bull

Ranked first on our editorial scoring, and the reason is the sheer scale of the advertised package: 410% matched up to $10,000 plus 50 free spins is among the largest headline figures on this list. For a reader focused on no-deposit-style spin offers, the spins are the interesting part — they arrive attached to a qualifying deposit, not independently of one, which is the distinction most people miss.

Limitation: a match percentage that large almost always comes with a correspondingly heavy playthrough and a maximum bet cap while bonus funds are live. Exceed that cap once and the bonus can be forfeited. Treat the $10,000 as a ceiling that requires a very large deposit to approach, not as an expected outcome.

Magician Bet

On this page it earns its position for the opposite reason to Raging Bull. A 101% no-wagering offer is a smaller number with a simpler condition, and for readers who have been burned by 40x playthrough that trade is usually the better one. No-wagering bonuses are the easiest type of promotion to evaluate because there is less fine print to misread.

Limitation: "no wagering" rarely means no conditions. Check whether a maximum withdrawal from bonus winnings, an expiry window or a game restriction has been substituted for the playthrough. The match is also modest, so the cash value is small relative to the others here.

Slots of Vegas

Included because the free spins component is specific rather than vague — 50 spins tied to a named title, Cash Chaser, alongside a 375% match. A named game tells you what the spins are worth, which a generic "50 spins" figure does not.

Limitation: that specificity cuts both ways. If you do not enjoy the title the spins are locked to, they are worth less to you, and single-game spin offers cannot be moved to a game with an RTP or volatility you prefer. The large match percentage carries the same playthrough caution as any other.

Uptown Aces

The highest advertised percentage on the list at 600% for new players, which is why it appears despite being aimed at deposit bonuses rather than spins. It suits a reader who wants maximum bankroll extension from a small first deposit.

Limitation: the offer as advertised does not specify a cash ceiling, an eligible game list or a wagering multiple in the headline, so all of that has to be read on the operator's page before you commit. High-multiple matches usually restrict table games and live dealer play, or weight them at a fraction of slot contribution.

Money: what it costs, how you pay, how you get paid

Browsing thepaulsmithart.com is free. We charge readers nothing and we do not process any payment. The costs below belong to the operators.

Typical US casino payment options and what to check on each:

Debit cards — the most widely accepted deposit method; usually instant. Not always available for payouts.
Credit cards — accepted by some operators, but your card issuer may decline gambling transactions or treat them as a cash advance with its own fee and interest.
ACH / e-check — common for both directions, often the cheapest, typically a few business days to clear.
Bank wire transfer — used for larger withdrawals; frequently carries a flat fee and the longest processing time.
E-wallets — fastest payouts where offered. PayPal availability is limited and state-dependent, so confirm it in the cashier rather than assuming.
Cryptocurrency — offered by some brands, including Bets.FM, whose bonus cap is denominated in BTC. Value moves between deposit and withdrawal, which is a risk fiat methods do not carry.
Cash at cage or retail — available at some state-licensed operators tied to a land-based property.

Minimum deposits commonly start around $10 to $20. Minimum withdrawals are usually higher than minimum deposits. Withdrawal times run from a few hours on an e-wallet to several business days by check or wire, and the clock normally starts only after the operator approves the payout, not when you request it. Daily, weekly and monthly withdrawal limits apply at most sites, which matters if you hit a large win.

Expect identity verification before your first withdrawal: government photo ID, proof of address and proof of the payment method. Larger or unusual activity can trigger source-of-funds checks. These are legal obligations on the operator, not an obstruction tactic — but they do take time, so completing KYC early avoids a delay when you actually want your money.

What you get access to through the operators listed

The brands featured here cover the standard categories of US online casino play, though not every brand covers all of them:

Slots — the largest category everywhere, ranging from low-volatility classics to high-volatility modern titles. RTP and volatility are published by the software provider and are worth checking before you play.
Progressive jackpots — pooled prizes that grow until won. Some require a maximum-line or maximum-bet stake to qualify for the top tier.
Table games — blackjack, roulette and baccarat in multiple rule variants. These usually contribute least toward bonus wagering.
Live dealer rooms — real dealers streamed in real time, with higher table minimums and their own availability restrictions by state.
Sweepstakes and social formats — Card Crush, Zumba Cards and Amazon Jackpots use coin- and sweepstakes-based models rather than direct cash wagering, with their own redemption rules.
Mobile play — browser-based or via a dedicated app; game libraries on mobile are sometimes smaller than on desktop.

Game outcomes at licensed operators are determined by random number generators, independently tested. Published RTP is a long-run average across millions of spins and tells you nothing about a single session.

The other products these brands run

Several operators featured here are not casino-only. BetUS is sportsbook-led, with casino sitting alongside sports betting and, in places, poker and racebook markets. Bets.FM also spans betting and casino products. This matters for your terms in two concrete ways: a welcome bonus may be split between sportsbook and casino wallets with separate playthrough on each, and sports wagers frequently do not count toward casino bonus wagering at all. Read which product a bonus belongs to before you place a bet with it. Sportsbook availability is regulated separately from online casino in most states, so one may be legal where you are while the other is not.

Accuracy, and the limits of what we publish

We research carefully and date our findings, but information on thepaulsmithart.com is provided for general guidance only, without warranty of any kind. Specifically:

Offers, terms, payment methods, processing times and state availability change without notice, and the operator's live terms always take precedence over our description.
Editorial ratings are opinion and may change.
We have not tested deposits, gameplay or withdrawals at any operator. Claims about speed or availability are what the operator advertises or publishes, not results we have measured.
We do not guarantee that any casino is safe, that a withdrawal will be paid, or that any bonus will be honored. No site can.
Gambling is entertainment with a cost, not income and not a way to resolve financial difficulty. Losses are the expected outcome over time.

To the fullest extent permitted by law, we accept no liability for losses arising from your use of this site or from any dealings with a third-party operator, including gambling losses, unpaid balances, closed accounts or declined withdrawals.

Disputes with an operator

If something goes wrong, escalate in order: raise it with the operator's customer support in writing and keep the correspondence; use their formal complaints procedure if the first response does not resolve it; then, if the operator is licensed in your state, take it to the relevant state gaming regulator, which handles player complaints against its licensees. We have no authority to release funds, reopen an account or overturn an operator's decision. We do want to know about it — tell us through our contact page and it feeds into our reviews.

Playing within limits

Every operator we feature should offer deposit limits, loss limits, session reminders, time-outs and self-exclusion. Use them before you need them; they are far more effective set in advance. Blocking software installed on your own devices adds another layer, and state self-exclusion programs cover all licensed operators in that state at once. Our responsible gambling resources page sets out the tools and the national support services available in the US, including the 1-800-GAMBLER helpline.

Intellectual property and acceptable use

The reviews, comparisons, ratings and written content on thepaulsmithart.com belong to us. You may quote short extracts with clear attribution and a link. You may not republish pages wholesale, scrape the site at scale, or present our ratings as your own. Operator names and logos belong to their respective owners and appear here for identification.

Do not use the site to break the law in your jurisdiction, to access offers you are not eligible for, or to attempt to interfere with how the site runs.

Changes to these terms

We update these terms when our process, our commercial arrangements or the regulatory picture changes. The revision date at the top of this page reflects the current version, and continuing to use thepaulsmithart.com after an update means you accept it. Who we are and how we work is set out on our about page.

Common questions about these terms

Does paying you get a casino a higher ranking?

No. Commission can affect whether a brand is listed at all, because we link to brands with affiliate programs, but it does not set the order or the editorial rating. Those come from our review criteria.

Are your ratings based on customer reviews?

No. They are editorial scores from our own research into terms, licensing, payments and game range. They are not aggregated user ratings and not the output of testing.

Can I claim a bonus listed here from any state?

No. Eligibility depends on the operator and on the rules of the state you are in, and both change. Check the operator's terms and your state's position before you deposit.

Who do I contact if a casino will not pay me?

Start with the operator's complaints procedure, then escalate to the state gaming regulator that licenses them. We cannot intervene in the dispute, though we welcome the report.

Is the "Amazon Jackpots" welcome package free?

No. As advertised it requires a $20 purchase in exchange for posters, 40 free SC and a bonus wheel entry. Money you must spend to qualify is not a free offer, and we do not describe it as one.

What happens if an operator changes its offer after you publish?

The operator's live terms apply. We re-check featured offers periodically and date our findings, but there will be periods where a published offer here is out of step with the cashier. Confirm on the operator's site before you commit money.

If any part of these terms is unclear, or you think something on the site is wrong or out of date, write to us. Corrections from readers are one of the more reliable ways we catch a changed bonus term.