Site Credit
Non-withdrawable account funds usable for placing bets, where winnings are typically returned as withdrawable cash.
Site credit is promotional currency a book deposits into a bettor’s account. Unlike a cash deposit, it cannot be withdrawn directly; it must first be wagered. The key difference from a standard bonus bet: when a bet placed with site credit wins, the full payout — stake portion included — usually returns as withdrawable cash. That makes site credit more valuable than a bonus bet of equal face value, because the bettor effectively retains the stake on a winner.
Books hand out site credit in several settings: sign-up promotions, compensation for a losing bet, loyalty rewards, or special promotional events. Terms differ by operator, so reading the fine print is essential. Some books treat site credit exactly like bonus bets (stake not returned); others use the more favorable full-payout structure. Knowing which applies directly shapes how you evaluate 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 odds. Win, and the bettor collects the full payout of roughly $190.91 — the $100 stake plus $90.91 profit — all withdrawable. Lose, and the bettor forfeits the $100 site credit but spends none of their own deposited funds. Contrast that with a $100 bonus bet at the same odds: a winning bonus bet returns only $90.91 in profit (no stake back), making the site credit worth about $100 more on a winning wager.
Key Points
- Stake included on wins: Site credit’s main edge over a standard bonus bet is that winners return the full payout, stake included, as withdrawable cash — pushing it closer to real money in value.
- Cannot be withdrawn directly: Site credit must be wagered at least once before funds become withdrawable. It is not a cash deposit and cannot simply be cashed out.
- Terms vary by sportsbook: Operators define site credit differently. Some treat it like a bonus bet with no stake returned. Always confirm the payout rules before wagering.
- Often paired with other conditions: Site credit may carry minimum-odds rules, expiration dates, or eligible-market limits. Some offers also attach wagering requirements before site-credit winnings can be withdrawn.
- Higher real value: Thanks to the full-payout structure, site credit generally carries more expected value than a bonus bet of equal face amount, assuming the stake-included terms apply.