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Is online horse betting legal in the US?

Before the Unlawful Internet Gambling Enforcement Act of 2006, many forms of online gambling were promoted. While this act stopped the operators of poker sites, casinos and sportsbooks from accepting wagers from the US, horse racing betting sites got a carve-out.

Betting online is allowed via pari-mutuel pools in any state, which provides horse race betting within its borders. There are 30 states that allow betting online.

More recently, individual states have been regulating sports betting within their borders. Horse racing has not been part of this legislation since the federal law already allows it. When it comes to on-track betting, simulcast wagering, and off-track betting offices, this is under the jurisdiction of the individual states.

In most states, you need to be 21 or older to place a bet.

• Online Horse Betting Sites Horse racing odds & rebates Horse race betting has a long history in the US. This form of gambling is explicitly legal in the majority of states; you can bet at racetracks, at off-track betting venues, or even online horse betting sites.
• Top Online Gambling Sites. When looking for the best gambling sites, players want to see results such as Planet 7 casino, or Bovada. Sites that are proven through experience to have good solid bonuses, a large base of games, and simple deposit and withdrawal methods.

How to bet on horse races online

Betting on horse races is different than betting on sports. Instead of the betting sites offering lines, bets are pooled into a system called pari-mutuel betting. As you’ll read below, there are many ways to bet.

The total wagers on different bets (win, place, show, trifecta, and so on) are collected, and then the pool is divided between the winning tickets.

Any last-minute rush to bet on a horse will divide the prize pool between more tickets. Pari-mutuel betting sets the price of each bet, not the betting sites.

There are three main types of bets. You can bet on an individual horse, on several horses in the same race (and the order they will finish) or on the outcome of multiple races.

Here is an explanation of how each bet works.

Single horse bets:

• Win: This is the most straightforward horse racing bet. You are wagering that your selection will win the race.
• Place: Your horse needs to come in first or second for this wager to be successful.
• Show: Adding an extra spot, you’ll receive winnings if your selection finishes first, second, or third.

Multiple horse bets:

• Exacta: This bet involves picking two horses. To win, both horses need to finish first and second in the correct order. You can “box” all multi-horse bets, essentially betting twice to cover both finishing orders.
• Trifecta: Pick three horses to finish in the correct order, and you’ll potentially have a big payout. Again, it is possible to box these bets, covering the six possible finishing combinations of three horses.
• Superfecta: This wager involves picking four horses to finish in the correct order. While it is hard to win this bet, the potential payout can be huge.

Multiple race bets:

• Pick 5/6: These bets involve picking the winner of several races at a specific track each day. It is harder to win than many bettors imagine, with one outsider winning a race upsetting a lot of people’s wagers. If a pick bet loses, the prize pool will roll over to the next day. If a pick’s prize pool rolls over more than once, it can create a considerable jackpot, which incentivizes many people to join the betting.
• Futures: You can combine futures bets for the most significant race meetings. A popular example would be to pick a horse to win the Triple Crown.

How horse race betting sites work

You can access horse betting sites on your mobile phone, tablet, or via a desktop computer. While there are differences between the brands, they work in much the same way.

Apps are available, too, though they are not required. The websites will adjust automatically to fit your screen size, putting the navigation icons and links behind menu buttons to save space.

Registering for a horse race betting site requires only a minimum amount of individual information.

Firstly, the sites will detect your location to ensure you are within a legal jurisdiction. You will also need to provide the last four digits of your Social Security number to prove you are old enough to bet (21+).

Here are the main sections you’ll find at horse racing betting sites:

• Today’s Races: The default view will show the latest races. You can scroll through this list or use the menu on the left to narrow your search by type of race or track. If you are looking for an individual horse or venue, then the search button is the fastest way. You’ll find basic information on the runners, along with the latest win, place, and show prices. Clicking on these betting lines will move a selection to your bet slip.
• Bet Slip: After selecting runners from the day’s races, you can organize your wagers using your bet slip. Some sites have a “quick bet builder” to simplify this process. You can remove selections, bet on single horses, or organize your choices into exacta or trifecta bets.
• Video Streaming: Once you have placed a bet, you’ll be able to enjoy the action via video stream. TVG is part of the Television Games Network, which offers additional media content.
• Results Databases: There are two levels of research possible at the horse racing betting sites. Primary data on each horse is freely available to help you make the best selection. You will also find the pro-level past performance data, which is free (site dependent) as long as you place a wager at the meeting.
• Account Information: This is where you will find your account info, balance, and progress toward clearing any bonuses or collecting loyalty rewards.
• Cashier: The cashier section will include your balance and an area to deposit and withdraw your winnings. We cover how to deposit at a horse racing betting below.
• Bonuses and Promotions: It is worthwhile to keep an eye on the promotions pages of all the major sites. You never know when a deal will appear, covering the type of bets you were about to place. We explain the types of incentives in more detail below.

How to deposit at a horse race betting site

Depositing any of the major betting sites is both straightforward and safe. While you won’t find the long list of payment methods available at the state-regulated sportsbooks, it is easy to get your money on board.

The primary method is your bank card, which can be your Visa or Mastercard debit or credit card. You can also use prepaid debit cards, including Visa gift cards.

Bank transfers are available under various names, including ExpressFunding or Expressfund.

Many sites will accept wire transfers, as well as old-fashioned paper checks. For cash deposits, you can use PayNearMe at your local 7-Eleven stores.

Finally, PayPal is available for both deposits and withdrawals. While many bettors welcome this service charge fees, the added security for online purchases.

Bonuses, promotions at horse race betting sites

You can take advantage of bonuses at the major horse racing betting sites. These range from small, completely free bets to matched welcome deals. You should also consider ongoing promotions and incentives; these can make a big difference to your bankroll over the long term than the initial welcome offers.

Here are the forms of bonuses that the significant sites have in common:

• Matched Deposit Bonus: As an incentive to new bettors to deposit, the horse race betting apps will match your first deposit with free bets. With $100 in free bets up for grabs, the standard match is at 100%. You will need to wager your winnings, and typically complete the required betting within 30 days.
• Risk-Free First Bet: Removing the risk from your first wager is used in place of the matched deposit method at TVG. Here, your stake gets refunded (as a new bet) if your initial wager loses.
• Promotions: Look out for promotions where your stake gets returned for second-place finishes, enhanced odds, and other one-off deals for specific races. Promos are often themed around the most significant events, for example, the Kentucky Derby or Breeders’ Cup. Some sites have regular promotions, while others change their lists all the time.
• Free Past Performances: You can get pro-level datasheets, and expert selections at TwinSpires via its free past performances offer.
• PicksContests: Here, you’ll compete against others at your site to pick the winners of multiple races.
• LoyaltyRewards: Collect points based on the bets you place, and then exchange them for extra bonuses or free bets.

Most popular horse races in the US

There are hundreds of races every day, especially during the summer. The main distinction is between thoroughbred and quarter horse (flat) racing and standardbred (harness) races. Furthermore, these races can take place on dirt, turf, of artificial surfaces. There are other formats, including endurance races.

The best horses compete in graded races. There are different levels of these with stakes races at the top. Some of these have multimillion prize pools, which attract the top equine talent from around the world.

You can also bet on international races at US horse race betting sites. Some of these, like the Epsom Derby, the Saudi Cup and Prix de l’Arc de Triomphe, are huge events.

On a day-to-day basis, you’ll have access to races from the UK, South Africa, Australia, and beyond.

Most prominent horse race events

With hundreds of tracks and various types of racing, there is a lot of action when it comes to the domestic horse racing calendar. The highlights of the year will vary, with each state having its big meetings. When it comes to the biggest races of all, the three components of the Triple Crown and the Breeders’ Cup are as big as it gets.

Here are the details:

• Kentucky Derby: The first leg of the Triple Crown takes place on the first Saturday in May at the famous Churchill Downs racetrack. This race is known as “the Run for the Roses.” It is open to 3-year-olds and run over 1¼ miles.
• Preakness Stakes: The second leg of the Triple Crown occurs two weeks after the Kentucky Derby and is held at the Pimlico Race Course in Maryland. Attendance is traditionally huge, only beaten by the Kentucky Derby.
• Belmont Stakes: Three weeks later, the final leg of the Triple Crown takes place at Belmont Park, NY. If a horse has won the first two legs, expect colossal media coverage of this race. The Belmont Stakes is nicknamed “the Test of the Champion.”
• Breeders’ Cup: This series of thoroughbred races with huge prize pools that move from track to track. It attracts the best horses from around the world each year. The biggest purse (at $6 million) is for the Breeders’ Cup Classic race.

Most popular racing events outside of the United States

In addition to the domestic calendar, there are major races from around the world available for betting. Here are some of the richest:

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• Epsom Derby: This was the original derby that inspired the Kentucky event. It takes place on the first Saturday in June each year over one mile and four furlongs at the Epsom Downs Racecourse near London. This race was first run in 1780.
• Prix de l’Arc de Triomphe: France’s most prominent race takes place at Longchamp, near Paris, on the first Sunday in October each year. It is considered Europe’s second most prestigious horse race.
• Dubai World Cup: This race meeting is more recent, starting in 1996 in the United Arab Emirates. It is broadcast live on TVG and features the biggest prize pools of any race meeting around the world. It attracts the best global thoroughbred talent.
• Japan Cup: On the last Sunday in November, the biggest prize horse race in Japan is run at the Tokyo Racecourse, which is more than 2,400 meters. With a significant purse, this race attracts the best talent from Europe, as well as the US.

Thanks to a carve-out in the federal laws concerning online gambling, horse race betting is available in the majority of states.

As long as you can legally bet on a race in person in your state, you are also allowed to place a bet online. These bets join with the pari-mutuel pools operated at the tracks, which gives everyone a fair payout based on the weight of wagers for each contender.

Three horse race betting sites dominate the scene: These are TVG, BetAmerica, and TwinSpires. And though FanDuel Group owns TVG, it started its own offshoot called FanDuel Racing.

Additionally, as an online sportsbook operator for horse racing bets, Xpressbet features more than 300 tracks so bettors can view odds and wager many different horse races. Derby Jackpot, powered by Xpressbet, is for a much less serious horse bettor and operates more like a social casino where players can win real money.

There are quite a few options to explore and each site gives you access to hundreds of racetracks around the globe. However, bonuses and incentives vary between these sites. You can enjoy deposit bonuses, risk-free bets, free past performance data, and plenty of promotions.

Whether you bet at the top-rated stakes meetings or regional, daily events, there is a wide range of betting options. You can bet on single horses to win, place or show, pick multiple horses in the right order or bet on several races in a row.

You can bet right now from your desktop or iPhone, iPad and Android device. Check out what online horse race betting sites have to offer soon!

Skip the Headaches and Play at a Legitimate Site

You’re looking for a legitimate U.S. gambling site, but can’t decide which site to trust with your hard-earned money?

Good news! We’ve been in the online gambling industry for over a decade (several decades, really, if you add all of our experience together), and we’ve spent countless hours to bring you a list of the most legitimate sites.

Here’s what all of these sites have in common:

• 10+ years in the business with strong reputations.
• Attractive promotions for first-time customers.
• Quick money withdrawals (relative to the U.S. market).

Why Bovada Is #1 in the U.S.

#1: Fastest Check Cashouts

Bovada gets 10 times as much traffic as its second best US competitor and still delivers check payouts faster than any of them. Bovada processes check withdrawals in 7 days; many of its competitors take weeks, some more than a month to do the same. (There are other fast options, like the #3-ranked BetOnline, which delivers checks in 14 days.)

#2: Service

An equally important aspect of Bovada’s operations is its customer service. If there ever was an indication of how much a company respects its customers, it’s the level of customer service the company provides. I haven’t found any US-friendly site doing this aspect of the business better (although 5Dimes is a worthy runner-up).

#3: All-In-One

Finally, all parts of Bovada’s business (sportsbook, casino, poker, racebook) are popular. Bovada is best-known for sports betting and casino games, however, even its online poker room has around four times as many players online as the second biggest US poker site. You can access all of their games with one player account.

… But You Should Know This

Bovada is recreational-friendly, perhaps more-so than any other US site. You’ll find few golden opportunities in their sportsbook (read more about their use of dual lines), they have a relatively high overall house edge (especially after recently increasing house edge in video poker games) and their online poker room only has “anonymous” tables.

Although not everyone agrees with me, the recreational-friendly part is an advantage for skilled poker players. Since Bovada appeals to recreational gamblers, you’ll be like a shark among regular fish.

Bovada charges a 4.9% fee for credit card deposits (a lot considering how most sites charge nothing). The impact of the deposit fee is slightly compensated by their welcome bonuses, which are better than average.

All online gamblers look for entertaining games, attractive promotions and aesthetically pleasing software. To have a safe experience, however, you want a site to:

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1. Serve its customers with safety and respect,
2. Operate with a reasonable house edge, and
3. Handle money transactions promptly.

Yes, the third point is included in the first point but it’s also such an essential part of the customer experience that it must be mentioned separately. Many online gambling websites operate without an adequate level of service so these points are worth considering. It’s rare to find a combination of all three points.

Bovada fulfills all of the above criteria better than other sites but 5Dimes does well, too. In fact, I’m confident in ranking those two as the best USA gambling websites specifically because they deliver so well in the areas related to safety and trustworthiness. A site without proper customer service and safety measures is not one you should deposit money to, regardless of its promotions and whatnot.

What Are Some Alternative Options?

For Sports Bettors

5Dimes.eu is the best betting site in the US for the following reasons: they’re professional-friendly and offer reduced juice betting lines (in other words, less house edge). Before betting on any game, I recommend taking a look at the odds 5Dimes is offering. They’ve been a reliable sportsbook for over 10+ years — you’ll find few complaints about 5Dimes online, and the ones you find have been resolved quickly.

For poker and casino games, I would go with Bovada. But for sports bettors, it makes the most sense to have an account at 5Dimes.

Another Solid Option

BetOnline.ag is my third suggestion. It’s not significantly better than the others in any area but they’re simply a solid option. Prompt cashout processing, decent poker traffic, good sports betting options and entertaining casino games. Additionally, I’ve had good experiences with their customer service.

For sports bettors, BetOnline is worth signing-up at simply to be able to compare betting lines among a few sites. For poker players, BetOnline may offer some good games every now and then (keep in mind: you can bet on sports and play casino and poker games with the same account, so plenty of gamblers will stumble on the poker games eventually). For casino gamblers, BetOnline has a basic but reliable offering.

BetOnline charges a 6% fee for credit card deposits.

Is It Legal to Play?

The definition of ”gambling” and the laws surrounding vary depending on which state you live in.

In Delaware, Nevada and New Jersey, some forms of online gambling have been legalized and regulated (only state-licensed sites are allowed to operate legally). In other states, it’s likely (although not widely agreed upon) that playing – and certainly operating – online gambling games for real money is illegal.

On a federal level, sports betting is the only form of prohibited gambling via the Wire Act of 1961. For several years, the Department of Justice (DOJ) maintained that the Wire Act applies to all forms of online gambling, but in December 2011, they corrected that stance by stating that the Wire Act only applies to sports betting – a result of a 13-page memorandum from the Office of Legal Counsel to the Criminal Division of the DOJ (source).

State laws, however, often indirectly prohibit gambling. Or to put it another way: it would be difficult to claim any forms of online gambling legal with absolute certainty in most states (lotteries and such aside). Most state laws indirectly prohibit gambling simply by making all forms of gambling unlawful that have not been made lawful.

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Purely based on history, it’s unlikely you’ll get into legal trouble; then again, if something is illegal, you can get into trouble, and someone probably will. Gambling online may be illegal where you live. Contact a local gaming lawyer to get a better idea of your local laws.

Legal Troubles

Industry-changing events have taken place in the online gambling world – mainly concerning online poker – such as the UIGEA and Party Poker’s exit from the US market, or PokerStars’ exit from the US market in 2011.

Those crimes were committed by online poker operators, though, not players. Still, the mere fact that online poker companies were targeted was enough to cast a shadow over the legality of US online poker, and furthermore, players grew more and more worried about one of these sites getting shut down along with the money on their player accounts.

In fact, there is a legitimate reason to worry about dishonest US gambling sites taking your money. Some sites have indeed taken off with the money – a recent example is Lock Poker, which currently may owe its customers over $15 million. I created LegitGamblingSites.com mainly to give more exposure to the sites with strong track records of honest business practices.

The lawmakers, in that regard, have a point about not allowing unlicensed sites to provide online gambling games to US citizens. While that may not be the reason, it’s likely one of them. (If I had to guess, I’d say they’re more concerned about losing out on tax dollars and protecting the interests of brick & mortar casino owners such as Sheldon Adelson, although through the RAWA – Restore America’s Wire Act legislation – he tries to do that by himself.)

How to Move Money Around

Ever since the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) became a law, US citizens have had a more difficult time finding a suitable deposit method.

There are only a few left, actually.

The most common deposit method for US citizens is still credit card deposits, out of which VISA is the most widely accepted brand, followed by Mastercard, with American Express being a distant third. Cards must be eligible for both international and online transfers.

The alternative method is to use a money transfer service such as Western Union. Western Union is mostly a deposit-only method. (Bovada is an exception since they only allow you to withdraw money via a check.)

Why to use a money transfer service instead of a credit card?

• A card deposit fails to go through. This happens every now and then, and the only way to know if your card will be accepted is to try. According to various forum reports, Vanilla VISA is declined at most sites while Netspend VISA has been successful.

  Surprisingly, players have had problems with card deposits even at state-licensed sites due to banks like Bank of America outright declining all gambling transactions. Things will likely get better with the new MCC codes for VISA, Mastercard, American Express and Distant which will help casinos to identify gambling transactions more accurately. It’s unclear how much of a help this will be since banks still have the right to decline transfers marked with the new MCC codes, and due to not wanting to violate the UIGEA (according to which they’re prohibited from knowingly processing unlawful gambling transactions), banks may decide it isn’t worth it and keep cancelling transactions even if they were for state-licensed sites.

  This is expected to change once bigger states – perhaps even the biggest of them all, California – join internet gambling, since declining the transactions will then affect such a large percentage of any bank’s customer base.

• You want a faster cashout. While money transfer services cost more (many sites, like Bovada, allow one free check cashout a month), the money is usually delivered to be picked up at a local Western Union location in five days or less.
• You don’t want a check cashout. You need to go to a cashier to cash a check. Most people would rather avoid doing this, especially since banks aren’t allowed to knowingly process online gambling related transactions (unless in Delaware, Nevada or New Jersey, but people have had problems in those states as well).

In general, you’ll have higher transaction costs with money transfer services than with a combination of credit cards and checks. BetOnline and Bovada are the only major USA sites charging for credit card deposits and most allow one free check cashout per month – some, like True Poker, allow a free check withdrawal every seven days.

How to use a credit card/check combination?

1. Enter your credit card details online after which you have the money on your player account instantly.
2. When done playing, order a check cashout, which will take from a week to over a month depending on which site you’re dealing with.
3. Go to your local bank to cash the check.

How to use a money transfer service (like Western Union)?

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1. Go to their website or a live Western Union location and send money to the gambling site. (You’ll need to contact the gambling site first to get their transfer details.)
2. When done playing, initiate the withdrawal from your player account.
3. Go to a live location to collect the money.

State-Licensed Sites

As mentioned, Delaware, Nevada and New Jersey have legalized and regulated some forms of real-money online gambling. Delaware started with online poker but has since expanded into casino games as well; Nevada offers online poker games only; New Jersey offers online poker and casino games.

As you can see, not a single one of these states offer online sports betting. In New Jersey – clearly the biggest market of the three – there’s a clause according to which sports betting may be considered to be added in the future.

Requirements

You must be physically located within a state’s boundaries to play at the licensed sites. If you’re currently located in California but live in Nevada, you’re unable to play until you return to Nevada; if you’re currently located in Nevada but live in California, you can play as long as you stay within Nevada’s state boundaries.

Licensed sites have to make sure nobody outside of the state can participate in the games. Geolocation – identifying exactly where a person is located – has been difficult, and there are still people who are unable to play even though they’re located within those states. This is one of the reasons licensed online gambling sites have done financially worse than expected.

Only existing brick & mortar casino owners within those states can apply for licenses, although they can apply together with an existing online gambling site in a software-licensing agreement, like Caesar’s Interactive and 888.com have done. If a poker site kept operating in the US after the UIGEA of 2006, it will be subjected to a ”bad actor” clause in Nevada and be prohibited from operating in the state for now.

Performance

Each state has had a rocky start, although New Jersey is doing OK. In March 2014, they did $11.87 million in revenue, which grew into $13.16 million in March 2015. A growth rate of 14.57% year-over-year is better than nothing, but still a far cry from the $1 billion within the first 7 months of operating Governor Christie expected (New Jersey gambling sites were launched in November 2013). In other words, his expectations were a little over $140 million a month on average, or about ten times the current revenue.

According to PokerScout.com, Nevada’s online poker revenue is going downhill. Year-over-year decrease in revenue of around 44% (from February 2014 to February 2015) is, no matter how you look at it, a disappointing result. Problems with card deposits and geolocation – both of which exist in other states as well – and player liquidity have undoubtedly contributed to the significant decrease. Players have to deal with fewer problems when playing at offshore sites, and as long as that continues, it will be difficult for state-licensed sites to gain major traction.

In Delaware, the state keeps all yearly revenue up to $3.75 million. Since total revenue for 2014 was around $2.1 million, gambling operators have made nothing. The main reason for such a low amount of revenue is Delaware’s population of 0.94 million (in comparison, New Jersey has a population of 8.9 million). Liquidity is important for online poker since you need lots of players to run games at various stakes, in several forms and throughout the day. Delaware is trying to improve its poker liquidity by combining player pools with Nevada but so far there hasn’t been a significant improvement to its online gaming revenue.

If all of the three states were to combine their player pools, it would create a poker economy of around 12 million people, which could add significant liquidity to the games and thus bring in more revenue to each of the states.

Offshore Sites

Gambling sites accepting US customers from outside of the three states are all ”offshore” sites, meaning they operate from outside of the US and have no license to operate within the US. They have obtained a license in some other jurisdictions – such as Antiqua & Barbuda or Panama – but many of those jurisdictions have less-than-stellar reputations.

The disadvantage of gambling at offshore sites is the lack of safety. For an outsider, it’s impossible to know how strict testing measures these sites go through to prove their legitimacy, and hypothetically, if one of them were to disappear from the internet tomorrow along with your money, what could you do about it?

Lock Poker, as already mentioned, is an ongoing example. They’ve now lost their license in Curacao (weirdly, they were able to keep the license easily over a year after refusing to process customer cashouts) and there’s nothing anyone can do to make sure Lock Poker’s customers have their money returned. All we can do is spread the word to the people who are considering signing-up and depositing money to their site.

The best thing you can do is consider the reputation of the site rather than the jurisdiction since all jurisdictions have had dishonest sites. The longer a site has been fully operational, and the fewer complaints it has generated, the better. Essentially, Bovada has been in the online gambling business since 2000 when Bodog.com was founded (the US-friendly operations of Bodog were re-branded as Bovada in 2011), and as mentioned, they’ve achieved an excellent reputation with a high level of customer service.

But there are advantages to playing at an offshore site, too, and you can legitimately argue that the advantages override the disadvantages. Offshore sites place fewer restrictions on customers, need less personal information and have to compete with lots of other sites (within US states, competition is limited) which forces them to be at their best in order to succeed. There are no geolocation issues either.

Safety and legality aside – although obviously, both are big considerations – offshore sites are the better option in almost every area. Since only three states have legalized some forms of real-money online gambling in the US, they’re the only places for internet gambling for around 96.4% of US population.

What’s Next?

US online gambling is in a transitional phase: after a long wait of legalization, three states have done it, mostly with lackluster success. Suggesting geolocation and deposit issues are resolved, revenue streams may grow. With online poker, though, most likely at least one of the bigger states has to legalize it and combine player pools with the others to create a meaningful poker economy.

A federal legalization would create much-needed competition and player pools, which in turn creates a bigger incentive for operators to participate and, in many ways, a better environment for gamblers. If internet gambling was to be legalized nationwide, every operator and their grandmother would want a license. As of now, it’s more beneficial for most operators to stay outside of the US.