Terms and Conditions
These terms and conditions set out the rules for using divvythatup.com, what our casino comparisons are and are not, and what you are agreeing to when you read our content or follow a link from it to an operator. By using Top Online Casinos, you accept what follows. If you do not accept it, please stop using the site.
Last reviewed: Sep 25, 2026. We update this page when our commercial arrangements, editorial process or legal position change.
Who may use this site
Top Online Casinos is intended for adults of legal gambling age in their own jurisdiction. In most US states that means 21 or older for casino-style gambling; a small number set the floor at 18 for certain products, and sweepstakes-style sites often set their own minimum age in their terms. You are responsible for knowing the age rule where you are.
- You confirm you are of legal age to gamble in your state or territory.
- You confirm that accessing real-money or sweepstakes casino play is lawful where you are physically located.
- You agree not to use the site on behalf of a minor or a self-excluded person.
- You agree not to scrape, republish or resell our content without written permission.
Legal standing, licensing and state availability
This is the part readers most often get wrong, so it is worth stating plainly. In the US, casino gambling is regulated at state level. There is no single federal online casino license. A handful of states run licensed and regulated online casino markets through their own gaming commissions or lottery authorities; most do not. Separately, a large number of sites operate on a sweepstakes or social-casino model using virtual coins, which is a different legal structure again and is restricted or excluded in some states by the operator's own terms.
Accepting customers from a given state is not the same as being authorized to serve that state. We do not assert that any operator named on this site holds a license from any particular US regulator unless the operator's own licensing information says so and we can verify it. Where we cannot verify a licensing claim, we say the position is unconfirmed rather than filling the gap.
Your obligations that follow from this:
- Check the operator's terms for the list of excluded states and countries before you register.
- Check whether the site is a real-money casino or a sweepstakes/virtual-coin casino, because the rules for redemption differ entirely.
- Keep in mind that gambling winnings are generally taxable income in the US. We do not give tax advice.
- Understand that any dispute over a bet, a bonus or a payout is between you and the operator, not us.
How we make money, and what that does not buy
Top Online Casinos earns commission when a reader registers or deposits at an operator after following a link from our pages. That is how the site is funded, and you should read every ranked list here with that in mind.
Commission does not buy a position. It does not buy a rating, a headline, or the removal of a drawback. An operator that pays us nothing can rank above one that pays us well, and operators cannot review or approve our copy before it publishes. Where we cannot be independent about something, we say so on the page rather than burying it here.
What our rankings and ratings mean
Our editorial rating is a score our team assigns from desk research: published terms, licensing and ownership information, bonus conditions, banking pages, game libraries and public complaint records. It is not a customer-review average, and it is not a test result. We have not deposited, played or withdrawn at these sites, and we never present advertised withdrawal speeds as measured ones.
The factors we weigh, and their limits:
| What we assess | What we can verify | What we cannot |
|---|---|---|
| Bonus value | Published percentage, cap, wagering multiple, expiry, max bet, cashout limit | Whether terms change after you register |
| Payouts and banking | Listed deposit and withdrawal methods, stated minimums and limits, advertised processing windows | Actual time your money lands |
| Games | Listed categories and named software providers, published RTP ranges where the operator discloses them | Live RTP or RNG certification we have not seen |
| Licensing | What the operator publishes and what a regulator's register shows | Unregistered or unverifiable claims |
| Support and complaints | Stated channels, hours and dispute route | Response quality in your individual case |
Our fuller explanation of these criteria sits on the online casino comparison guide, and the people behind the scores are described on our about page.
Offer terms are the operator's, not ours
Every promotion we display is the operator's offer, on the operator's terms, and those terms govern. We reproduce headline figures as published at the time of writing. They change without notice. Read the operator's bonus terms in full before you deposit — that is where the wagering requirement, the maximum bet while a bonus is active, the expiry date and the cashout cap live, and any one of them can make a large headline percentage worth less than a small one.
Three examples of how differently these headline numbers behave:
Raging Bull
Ranked top on our list at 10.0, largely because the advertised package is the most expansive we cover: 410% up to $10,000 plus 50 free spins, for new registrants making a qualifying first deposit. For terms-and-conditions purposes, that ceiling is the number to be careful with. A four-figure maximum on a percentage match is only reachable with a very large deposit, and high-percentage match bonuses at this end of the market typically carry heavy playthrough and a cap on how much bonus-derived winnings you can withdraw. The limitation is straightforward: the advertised maximum is not the realistic outcome for a typical deposit, and we have not verified the playthrough multiple, the eligible games list or the withdrawal cap attached to it.
Magician Bet
Rated 9.8, and on this page it matters for the opposite reason to Raging Bull. The advertised 101% no-wagering offer removes the single term that causes most bonus disputes — playthrough. If no wagering applies as advertised, what you win is withdrawable subject to the site's normal banking rules. The trade-off is scale: a roughly one-to-one match with no playthrough is a smaller headline than triple-digit matches elsewhere, and "no wagering" offers commonly still carry a maximum bonus amount, a qualifying minimum deposit and game restrictions. Confirm those before treating the winnings as unconditional.
Slots of Vegas
Also 9.8, with 375% plus 50 free spins on Cash Chaser for new players. The distinguishing term here is that the spins are tied to one named game, which means their value depends on that title's stake per spin and its own RTP — and free-spin winnings are frequently credited as bonus funds with their own separate wagering and cashout limits, not as cash. The limitation: the spins component is narrower than a free-choice spins offer, and the match percentage sits between the two options above without their defining advantage.
The rest of the list at a glance
| Operator | Advertised offer | Editorial rating |
|---|---|---|
| Uptown Aces | 600% for new players | 9.6 |
| Card Crush | Instant welcome reward: 2 mystery coins and 5 cards | 9.4 |
| Zumba Cards | 250% deposit bonus up to 250 SC | 9.4 |
| BetUS | 200% up to $4,000 for new players | 9.2 |
| Amazon Jackpots | 4 posters + 40 free SC + bonus wheel for $20 | 9.1 |
| Slots and Casino | 500% up to $2,500 across three deposits | 9.1 |
| Bets.FM | 225% up to 1 BTC + 225 free spins | 8.8 |
Note the variety in what is being offered. Some of these are cash-denominated real-money bonuses. Others are quoted in sweepstakes coins (SC) or in crypto, and Amazon Jackpots' package is attached to a $20 purchase, which makes it a paid bundle rather than a free reward. We do not describe any offer as free where money must change hands to unlock it.
Money: what it costs to take part, and how you get paid
We publish no prices of our own. Reading divvythatup.com costs nothing. Everything financial happens at the operator, under its banking terms, and you should read those terms alongside the bonus terms.
What generally applies at US-facing casino sites, and what to check in each case:
- Minimum deposit. Most welcome bonuses have a qualifying minimum. Deposit below it and the bonus does not trigger, and operators rarely credit it retroactively.
- Debit and credit cards. Widely listed, but card issuers decline gambling transactions at their own discretion, and some card networks treat them as cash advances with interest from day one. A declined card is a bank decision, not a site fault.
- ACH and bank transfer. Common for larger sums at licensed operators; slower to clear than cards but usually the cheapest route.
- E-wallets. Availability varies by operator and state. PayPal is generally limited to state-regulated operators that have an agreement in place — never assume it is offered, check the cashier page.
- Crypto. Used by some offshore-facing sites, as the Bets.FM offer indicates. Network fees and exchange-rate movement are yours to bear, and crypto payouts are typically final.
- Sweepstakes redemption. Where a site deals in coins rather than dollars, you are redeeming sweepstakes coins under the operator's promotional rules, usually with a minimum redemption threshold and mandatory verification.
- Fees, limits and timing. Check the minimum withdrawal, any daily, weekly or monthly withdrawal cap, whether a fee applies per cashout, and whether the first withdrawal is slower because of verification.
Expect identity verification (KYC) before your first payout: photo ID, proof of address, and sometimes proof that the payment instrument is yours. Larger or unusual amounts can trigger source-of-funds checks. This is a legal requirement for regulated operators, not an obstruction tactic, but it is the most common reason a withdrawal takes longer than advertised. Upload documents early rather than at cashout.
What you actually get at the sites we list
The catalogues behind these brands fall into recognizable categories, and the terms that apply to each differ:
- Slots. The bulk of most libraries, and usually the only category that counts 100% toward wagering requirements. Volatility and published RTP vary by title; outcomes are determined by a random number generator.
- Progressive jackpots. Pooled prizes that grow across players. Bonus terms very often exclude them, and a maximum-bet rule can be breached easily on a jackpot title.
- Table games. Blackjack, roulette and baccarat. Frequently contribute at a reduced rate — or not at all — toward playthrough, precisely because their house edge is lower.
- Live dealer. Streamed tables with human croupiers. Commonly excluded from bonus play altogether, and usually carry higher table minimums.
- Sweepstakes coin games. Where the site uses a coin model, play is with gold coins or sweepstakes coins rather than dollars, and only one of those currencies is redeemable.
- Mobile. Browser play is near-universal; a downloadable native app is not. Check before assuming one exists for your device.
Sportsbooks and other product lines
Several operators in this market run more than a casino. BetUS, for example, is known for sports betting alongside its casino product, and sites of that type commonly add poker rooms, racebooks, esports markets and virtual sports. This matters for the terms you are agreeing to: a welcome bonus advertised for the casino is often ring-fenced to casino play, sportsbook rollover is usually calculated on odds-based turnover rather than spins, and a single account balance may be subject to different wagering rules depending on which product you use it in. Read the promotion's product scope, not just its percentage.
Accuracy, and the limits of what we publish
We research carefully and date what we publish, but the information here is general and can go out of date between reviews. Offers change, states change their rules, and operators amend terms. Nothing on divvythatup.com is legal, financial or tax advice, and nothing here is a guarantee of any outcome.
Specifically: we do not describe any casino as completely safe, we do not guarantee that a withdrawal will be paid, and we do not present gambling as a way to make money or fix a financial problem. Gambling costs money on average. Treat it as paid entertainment or not at all.
To the extent permitted by law, Top Online Casinos accepts no liability for losses arising from your use of a third-party operator, from reliance on information that has since changed, or from any dispute with a gambling site.
Complaints and disputes
If you have a problem with an operator, the sequence that works best is:
- Raise it in writing with the operator's support team and keep the ticket reference.
- Escalate internally to a complaints or player-protection contact if the first reply does not resolve it.
- If the operator is licensed by a state regulator, file with that regulator or its named alternative dispute resolution body.
- Keep screenshots of the offer terms as they appeared when you opted in.
We have no authority over any operator and cannot recover funds, reverse a decision or force a payout. If you believe something on our pages is wrong or out of date, tell us through our contact page and we will check it.
Playing within limits
Every operator we list should offer deposit limits, loss limits, session reminders, cooling-off periods and self-exclusion. Use them before you need them — they are easier to set on a calm day. Blocking software on your own device is a further layer if you want play made harder rather than just discouraged. Our responsible gambling resources page sets out the support options available to US players, including confidential helplines.
Changes to these terms
We may revise this page as the site, its commercial relationships or the US regulatory picture change. The reviewed date at the top of this section reflects the last substantive check. Continued use of divvythatup.com after a revision means you accept the current version.
If anything here is unclear, ask us. We would rather explain a term than have a reader assume it.