Online casinos are legal in a handful of US states, and New Jersey, Pennsylvania and Michigan are where most of the welcome offers live. From free spins to cashback-style lossback, Locals Insider breaks down what each offer really means for you when you play.
A casino bonus is only worth what you can realistically turn into withdrawable cash. Two offers with similar headlines can be very different once you read the playthrough, the time limit and which games count.
This guide explains the main types of welcome bonus at licensed US online casinos, shows the math on wagering requirements with real examples, and lists the current offers we have for Locals Insider readers.
Every offer here is from a casino licensed in its state. If you’re outside New Jersey, Pennsylvania or Michigan, see our US online casinos hub for where online casino is legal.
How we pick the offers on this page
We start from the state regulator’s own list of approved online casino sites, so every brand on this page is legal where it’s listed. We then order the casinos by popularity: how many people have rated each casino app on the US App Store, alongside its average score. “Top” on Locals Insider means the most popular and most used casinos, not a paid placement.
Offers only appear for brands we work with, and every term comes from the operator’s own rules. If we can’t confirm a detail on an official page, it doesn’t go in.
Current Casino Offers
Hard Rock Bet Casino · Casino
Up to $1,000 lossback + 500 Bonus Spins
Terms: 21+, new customers only, physically located in NJ or MI. $10 minimum deposit. Net losses in your first 24 hours refunded as bonus funds up to $1,000 with 1× playthrough. 500 Bonus Spins on Cash Eruption, 50 a day for 10 days; unused daily spins expire. If you register through the sportsbook app, you choose either the sportsbook or the casino welcome offer. T&Cs apply. Gambling problem? Call 1-800-MY-RESET.
Betinia Casino · Casino
110% match up to $1,100 + 500 Bonus Spins
Terms: New players only, 21+, NJ only. Min. $20 deposit. 110% match up to $1,100 plus 500 Bonus Spins ($0.10 each), awarded as 50 daily spins over 10 days. Daily login required. 20× wagering on casino bonus funds and 30× on spin winnings. 14-day expiry. Selected games only. T&Cs apply. Gambling problem? Call 1-800-MY-RESET.
Betinia Live Dealer · Casino
25% lossback up to $250 on live dealer games
Terms: New players only, 21+, NJ only. Min. $20 deposit. 25% of first-24-hour live dealer losses, credited by 3:00 AM the next day. 1× wagering on the bonus; 10 days from activation. T&Cs apply. Gambling problem? Call 1-800-MY-RESET.
21+. New customers only. Must be physically located in an eligible state. Gambling problem? Call 1-800-MY-RESET.
Types of Casino Bonus
Lossback
The casino refunds some or all of your net losses over a set period, usually your first 24 hours, as bonus funds. Hard Rock Bet Casino refunds net losses up to $1,000 with 1× playthrough, so you only need to wager the refund once.
Deposit match
The casino adds a percentage of your first deposit as bonus funds. Betinia’s 110% match means a $100 deposit adds $110, up to a maximum of $1,100 in bonus funds.
Bonus spins
Free spins on a named slot, often released in daily batches. Both of our partner offers pay 500 spins as 50 a day for 10 days, and unused daily spins expire.
Live dealer lossback
Some casinos run a separate offer for live dealer games, because those often count less toward slot-based wagering. Betinia refunds 25% of your first-24-hour live dealer losses, up to $250, with 1× wagering.
How Wagering Requirements Work
The wagering requirement, or playthrough, is how many times you must bet the bonus before winnings from it can be withdrawn.
- 1× on a $200 lossback refund: bet $200 in total, and what’s left is yours to withdraw.
- 20× on a $200 match bonus: bet $4,000 in total before the bonus converts.
- 30× on $20 of spin winnings: bet $600 before those winnings can be withdrawn.
That’s why the headline number matters less than the multiplier. A smaller bonus at 1× can be worth more than a bigger one at 20×.
Terms to Check Before You Deposit
- Time limit: Betinia gives 14 days to clear its casino match; daily spins expire each day.
- Eligible games: Many bonuses count only on selected games; table and live dealer games often count less or not at all.
- Minimum deposit: $10 at Hard Rock Bet Casino, $20 at Betinia.
- One offer per person: At Hard Rock Bet, registering through the sportsbook app means choosing either the sportsbook or the casino welcome offer.
- State: Every offer requires you to be physically in an eligible state.
Loyalty Rewards for Existing Players
Welcome bonuses are just the start. Once you’ve signed up, US online casinos reward regular players with perks that stretch your play further: BetRivers’ iRush Rewards, for example, gives points for real-money play that you can redeem for bonuses and spins.
Others, like Hard Rock Bet, use tier-based loyalty systems: the more you play, the higher your level and the better the rewards. Hard Rock’s Unity points even work for hotel stays and dining at Hard Rock Atlantic City.
Casino Bonuses FAQ
Low playthrough offers are easiest. Hard Rock Bet Casino’s lossback has a 1× playthrough, while Betinia’s match has 20× on bonus funds and 30× on spin winnings.
Hard Rock Bet Casino needs no code through our link. Betinia’s code is LOCALS, applied automatically through our link.
No. Real-money casino bonuses only apply where online casino is legal and the casino is licensed, such as New Jersey and Michigan for our current offers.
No. Bonus funds have to meet the wagering requirement before winnings from them can be withdrawn.
Play with a plan. Set deposit, loss and time limits before you play, and treat casino games as paid entertainment, not a way to make money. Gambling problem? Call or text 1-800-MY-RESET, the National Council on Problem Gambling helpline.
More Casino Guides
- US online casinos hub · Casino apps compared
- State guides: New Jersey, Pennsylvania, Michigan
