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Can You Deposit Funds On Fanduel with A Credit Card?
July 1, 2025

Quick Answer
Yes, you can typically fund your FanDuel account using major credit cards, although the transaction's success can be contingent on your bank's policies and state-specific gaming laws.
Should You Deposit Funds On Fanduel With A Credit Card?
Weighing the advantages and disadvantages can help you decide if it's the right choice.
Benefits of Using a Credit Card
- Convenience: Deposits are processed instantly, allowing you to fund your account and place wagers without delay.
- Security: Major credit card networks offer strong fraud protection services against unauthorized charges.
- Rewards: Depending on your card, you may earn rewards like cashback, points, or miles on your deposits.
Costs of Using a Credit Card
- Cash Advance Fees: Many card issuers treat gaming deposits as cash advances, which often come with high fees and immediate interest accrual.
- Interest Charges: If you carry a balance, the interest charges can significantly increase the cost of your deposits.
- Bank Restrictions: Some financial institutions may decline transactions related to online gaming platforms.
How to Deposit Funds On Fanduel With A Credit Card
Funding your FanDuel account with a credit card is a straightforward process. Follow these general steps to quickly and securely add funds and get back into the action.
- Navigate to the Deposit Page: Log in to your FanDuel account and find the "Add Funds" or "Deposit" button, typically located in your account menu or at the top of the page.
- Select Your Payment Method: From the list of available options, choose "Credit/Debit Card." This is usually the most prominent and common method for instant deposits on the platform.
- Choose the Right Card: Not all cards are equal. Consider using one that offers rewards on entertainment or online spending. You can use a resource like the Kudo's explore cards tool to find a suitable match.
- Enter Deposit Details: Input your credit card number, expiration date, CVV, and the amount you wish to deposit. Ensure all information is accurate to avoid any transaction errors.
- Confirm and Play: Review your transaction details one last time and click to confirm the deposit. The funds should appear in your FanDuel balance almost instantly, ready for use.
Impact On Your Credit Score
Using a credit card for FanDuel deposits can influence your credit score in a few key ways. Before funding your account, it's wise to understand the potential financial implications and how they might be reflected on your credit report.
- Credit Utilization Ratio. This transaction increases your credit card balance, which can raise your credit utilization ratio. A ratio above 30% may negatively affect your credit score, signaling higher risk to lenders.
- Cash Advance Classification. Many credit card issuers classify gambling deposits as cash advances, which often have higher fees and interest rates. This type of transaction can also be a red flag on your credit report.
- Payment History. Making on-time payments on the increased balance can help build a positive payment history. However, failing to pay it off could lead to debt and negatively impact your score.
Alternative Ways To Deposit Funds On Fanduel
E-Wallets and Online Banking
For those who prefer not to use credit cards, linking an e-wallet like PayPal or Venmo offers a secure and swift alternative. These services act as an intermediary, processing payments from your linked bank account or stored balance without sharing card details directly with FanDuel. Similarly, direct online banking transfers or ACH e-checks allow you to move funds from your checking or savings account, providing another layer of convenience and security.
Prepaid Cards and Cash Deposits
Another popular method involves using prepaid options. You can purchase a FanDuel gift card or fund a Play+ prepaid card to manage your spending effectively. For users who prefer handling cash, services like PayNearMe allow you to make deposits in person at participating retail locations. This provides a tangible way to fund your account without any digital bank or card transactions.
Choose the Right Card to Deposit Funds On Fanduel
With over 3,000 credit cards available in the U.S., picking the right one to fund your FanDuel account can feel like a gamble in itself. You want to maximize rewards and perks without getting hit by unexpected fees. Instead of sorting through endless options, the Kudos Explore Tool helps you find your perfect match. This free tool lets you compare up to three cards side-by-side and provides personalized recommendations based on your spending habits and what you value most, whether it's cash back, travel points, or low interest rates. Find the best card for your needs and make your next deposit count.
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Frequently Asked Questions
What credit cards does FanDuel accept?
FanDuel generally accepts major credit cards like Visa and Mastercard, but approval depends on your bank's gaming transaction policies.
Are there fees for using a credit card on FanDuel?
Some credit card issuers may treat deposits as cash advances, potentially incurring fees and higher interest rates from your bank.
Why was my credit card deposit declined?
A deposit might be declined if your bank blocks gambling transactions, or due to incorrect card information or insufficient funds.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.