Site Credit
Non-withdrawable account funds you bet with; winnings are usually withdrawable.
Site credit is promotional currency a book adds to your account. Unlike a cash deposit, you can’t withdraw it directly — you have to bet it. The key difference from a bonus bet: when a site-credit wager wins, the full payout, stake included, typically returns as withdrawable cash. That makes site credit generally worth more than a bonus bet of the same face value, since you effectively keep the stake on a winner.
Books hand out site credit in several ways: sign-up offers, compensation for a losing bet, loyalty rewards, or special promos. Terms differ by operator, so read the fine print. Some books treat site credit exactly like bonus bets (stake not returned); others use the better full-payout structure. Knowing which one applies directly changes how you value and deploy the offer.
Example
A book credits $100 in site credit after a qualifying deposit. The bettor stakes the $100 site credit on an NFL spread at -110. If it wins, the bettor gets the full payout of about $190.91 — the $100 stake plus $90.91 profit — all as withdrawable cash. If it loses, the bettor is out the $100 site credit but none of their own deposited funds. Compare a $100 bonus bet at the same odds: a winner returns only $90.91 profit (no stake back), so the site credit is worth roughly $100 more on a winning wager.
Key Points
- Stake included on wins: Site credit’s main edge over a bonus bet is that winners return the full payout, stake included, as withdrawable cash. That puts it close to real money.
- No direct withdrawal: You must wager site credit at least once before funds unlock. It’s not a cash deposit and can’t simply be cashed out.
- Terms vary by book: Operators define site credit differently. Some treat it like a stake-not-returned bonus bet. Always confirm the payout rules before betting.
- Often comes with conditions: Expect minimum odds, expiration dates, or eligible-market limits. Some promos add wagering requirements before site-credit winnings can be withdrawn.
- Higher real value: Thanks to the full-payout structure, site credit usually carries more expected value than a same-face-value bonus bet, assuming stake-included terms apply.