Rollcard is a Visa debit card available for online casino players in the U.S. A couple of top features include bypassing a bank from restricting deposits plus $1m in daily deposit maximums.
While all forms of gaming from casinos and sportsboks to prediction markets and more are all eligible, below I'll outline for online casino players not only what Rollcard is but who it's best for, how to apply, and more.
Rollcard is a debit card linked via plaid that allows you to deposit amounts up to $1,000,000 in one business day into any online casino accountl ive in the U.S. Instead of relying on separate cards and accounts to fund individual accounts, Rollcard allows you to fund one account for all casinos at once.
The purpose of Rollcard is to allow for high-roller gamblers to access more money in their account on any given day. From the $1m in card spend to the $250,000 in ACH withdrawals and even $2,000 ATM cash access (you'll receive a physical card upon signing up and approval), no other card on the market allows you this much access to gaming.
What Rollcard Isn't
To help detail exactly what Rollcard is and is not, below is a list of attributes you may find with other casino banking methods but not here:
A credit card. There is no line of credit and no hard credit pull.
A prepaid card or a wallet.
Interest bearing. The account pays no interest, and no APY. The card should only be used to fund your accounts, not invest.
A joint account. Only you can use Rollcard for gaming.
A business account. Using it for business purposes can be ground for restriction.
A replacement for your checking account. Expenses such as groceries, gas, and your fantasy football dues aren't eligible.
The only route in and out for money is through ACH. At no point can you fund your Rollcard with cash or a check; however, as stated above, you can withdraw up to $2,000 in cash per day via an ATM.
To get started with the Rollcard debit card it's much of what you'd need to sign up if you were claiming a new casino bonus or promo. Here's what you'll need to start the application process:
Government issued photo ID
Phone number an demail
Social security number
U.S. residential street address
Bank account that supports Plaid
You could be approved right away but some sign-ups will be pulled for manual verification. This process can run up to a few business days, and approval for card usage isn't ever guaranteed.
Additionally, you'll need to download the Rollcard app to get the ball rolling. The why is below.
Once you get approved, the virtual card will show up in the Rollcard app immediately with the full number, expiration, and CVV (the 3 numbers on the back). The physical card gets shipped right away and can take roughly 7 to 10 business days to show up.
For access to an ATM, whether at a land-based casino, sportsbook, or your local corner store, you'll need the physical card as teh virtual card in your app won't work at an ATM.
Deadlines You Can't Miss
Cross River Bank has the right to close your account with the Rollcard if you don't fund it within 30 days of approval. You'll also be missing out on that 2x cashback offer, too, so you're on the clock from the day of approval. The other deadline is holding a balance: if your balance sits at zero for 90+ days you could be restricted.
How Plaid Comes Into Play
The institution you use to bank must accept Plaid. Rollcard uses a real time balance check with the Plaid tech.
Every limit is a business day limit. Start a transfer on Saturday and it counts against Monday, not against the weekend. Federal holidays work the exact same way.
The direction you start a deposit from changes your celiing. Pushing money from your own bank gets you the full $1,000,000. Pulling the same money from inside the Rollcard app is capped at $250,000 per business day.
ATM cash draws against the card spend ceiling rather than stacking on top of it. If you play at Michigan online casinos, for example, as well as at a physical casino you'll need an idea of the type of bankroll you can spend that day.
Your casino sets its own deposit caps, and those sit above Rollcard, not below it. This means if the casino you play at has a deposit cap of $5,000, that'll be your cap for your Rollcard there, too.
Getting cashback for money you may already be spending is an absolute no brainer. Below is a breakdown of how much you can receive per month with rates running from 0.30% to 0.55% across five tiers:
Tier
Spend
Rate
Monthly Cap
Standard
$500 to $2,500
0.30%
$1,000
Bronze
$2,501 to $10,000
0.35%
$1,000
Silver
$10,001 to $25,000
0.40%
$1,000
Gold
$25,001 to $100,000
0.45%
$1,000
Platinum
$100,0001 and up
0.55%
$1,000
Here's a loot at, by snagging the cashback offer from Rollcard, how much you can earn back in your first 30 days vs. after the offer expires:
Monthly Spend
Rate
Standard Cashback
2x Cashback
$2,000
0.30%
$6.00
$12.00
$10,000
0.35%
$35.00
$70.00
$25,000
0.40%
$100.00
$200.00
$100,000
0.45%
$450.00
$900.00
$250,000
0.55%
$1,000
$2,000
Top Terms & Details of Cashback at Rollcard
$500 minimum in qualifying spend per calendar month to be eligible.
$1,000 monthly cap at every tier. Spend $260,000 in deposits, cashback is capped at $1k.
Posting date of the deposit gets lumped in to that months' cashback total.
Transactions ahve to post to be eligible for cashback.
Spend is always rounded to the nearest whole dollar.
Rollcard applies three layers of protection to your account. Each has specific conditions and limits, described below.
FDIC Insurance
Deposits sit at Cross River Bank and are insured up to $250,000 per depositor. That covers the failure of the bank. It does not cover money you lost at a casino, and it doesn't cover any issues with fraud.
Regulation E
This is protection for unauthorized errors and transfers. Report a problem no later than 60 days after an issue appears on your statement. From there, Rollcard has 10 business days to decide, and if it needs longer they'll credit your account within 10 business days so you have money to play while they investigate. Newer accounts can take up to 20 business days for a credit.
The liability tiers reward moving fast so routine checks on your account is a must from your end. If you end up reporting a lost card and/or compromised credintials within two business days, exposure is capped at $50. Let that 60 day window pass? You could be out what you lost.
Visa Zero Liability
Here's where the perk of Rollcard partnering with Visa comes in. Visa covers fraudulent signature-based transactions on the Visa or Plus network as long as the fraud is reported within 60 days. Visa doens't cover PIN-based or PIN-less debit transactions processed off the Visa or Plus network.
Responsible gambling controls are set in place at Rollcard, not just the online casino operators themselves. A few ways Rollcard allows you to gamble responibly are outlined below:
There are deposit limits you can set on a daily, weekly, or monthly basis which take effect immediately. If you try to increase your limit mid-session, you can't; all deposit increases are subject to a 24-hour waiting period.
You can give yourself a cool-off period ranging from 24 hours up to 30 days. Account stays open but transactions are suspended.
You can freeze your card, locking it for 30 days. To unfreeze it, or take yourself off the cool-off period, you'll need to reach out to customer service.
No, Rollcard doesn't give you a line of credit thus not making it a credit card. You deposit your own money onto the Rollcard, never borrowing any money or subject to interest rates.
Which online casinos accept Rollcard?
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If the casino you choose accepts Visa should work though it's always subject to the operator's own policies for payments. If the deposit gets declined I recommend trying to deposit via Apple Pay, Google Pay, or even Samsung Pay.
What's the cashback offer all about?
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If you use Rollcard to fund your online casino account, you get double the cashback for all deposits posted in the first 30 days. You need to deposit a minimum of $500, up to $250,000 total for a max cashback of $2,000.
Tyler Olson is an accomplished online casino expert in North America with over five years of covering the digital gaming market. Whether you're seeking reviews of casinos (specifically those legal online) across the North America continent, gambling strategies, or just staying updated on the latest trends in the gambling industry, Tyler's expertise is an invaluable resource for anyone interested in or currently are gambling online.