Shopping Discussion

Purchasing Lottery Tickets with Credit Cards

  • Last Updated:
  • Apr 22nd, 2021 12:07 am
[OP]
Deal Addict
User avatar
Oct 13, 2007
4173 posts
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Edmonton

Purchasing Lottery Tickets with Credit Cards

So with the recent Marketplace episode about being charged fees for lottery tickets because they are considered a cash advance, it appears that RBC confirms this and doing some research, it appears that TD is the same. There are statements put out that not all cards consider lottery purchases as cash advnaces and you can certainly avoid this by just buying them at a convenience store. However, I would like to get a lottery subscription so would like to know what banks/credit cards DO NOT charge any fees for these purchases if buying them form the lottery corporation directly. Some of you must have experience with this and be in the know.
32 replies
Deal Addict
Feb 16, 2013
1565 posts
1323 upvotes
Toronto
Sorry to say, but statistically, buying lottery tickets is the same as taking your money and throwing it in the garbage.
Why on earth would someone buy lottery tickets on credit?

Use cash, if you have spare cash.
....
Jr. Member
Mar 22, 2015
159 posts
75 upvotes
Toronto, ON
I've never been charged a fee in-store using my PC MC but got charged $5 using it on the playolg.ca website.
Deal Addict
Jan 12, 2017
2615 posts
2934 upvotes
I didn't think it's the card but more depends on where you buy it.
Lottery booth only takes cash/debit/cash advance, as lottery is only thing they sell, while convenience stores and gas stations cannot charge you as cash advance since you could buy lottery, gas, snacks, etc in one transaction.
Jr. Member
User avatar
Feb 15, 2017
147 posts
148 upvotes
Toronto
The PlayOLG website is very clear about this, so just use Visa Debit or Interac Online.

IDK why anyone would stiff store owners with the fees if they did accept credit card for lottery purchases. They can only lose money in this scenario.
Jr. Member
Aug 27, 2015
106 posts
59 upvotes
Vancouver, BC
Once time i use walmart master card to buy 649 lottery and it charges me $5 cash advance. So, never buy lottery by credit card.
Deal Fanatic
Sep 16, 2004
9779 posts
2027 upvotes
Toronto
Comes down to greed by Credit card companies and Government support for such greed hence OLG leading the way in this fee.
A benefit of using your credit card and in a store like Shopper drugmart for instance is validation.
Many people found this was unfair or against the rules, but we've seen in the past where jackpot winners have been tracked down, and awarded the top prize, due to validation this way after they had lost their paper tickets.
Deal Guru
May 29, 2006
10637 posts
3306 upvotes
I buy all my sports select at shoppers with my world elite PC mastercard.

usually 50-60 bucks every weekend on NFL. gives me 1500-1800 PC points each weekend.
Member
Feb 27, 2014
331 posts
79 upvotes
Anyone ordered BC Children Hospital's Lottery online and paid by credit card without incurring a cash advance fee?
Member
Nov 11, 2003
458 posts
125 upvotes
Scarb
Got charged the fee on PlayOLG when I first signed up. Realized that they consider it as cash advance so just use my TD Debit Visa instead so there's no fee.
Deal Guru
Jul 19, 2012
14710 posts
4832 upvotes
Montreal
gh05t wrote: Comes down to greed by Credit card companies and Government support for such greed hence OLG leading the way in this fee.
not to mention it's a hugely regressive fee, as those most likely to play the lottery are the poorest, least-educated among us, which is hardly the place a supposedly-progressive country should be going to price-gouge on bank/CC fees.

It's right up there with the recent trend towards scamming the OCD/ADHD/Autistic gaming crowd with expensive and incessant loot chests and micro-transactions. It's like being allowed to sell beer in an AA meeting.
My last and final digital game I purchased at PSN from those Sony Devils was on November 22, 2020 - Ban that Sorny!
Member
Sep 16, 2016
311 posts
296 upvotes
Toronto
I believe that you must buy your lottery using your money, cash. You can't buy it using the money you borrowed from the credit cards company unless it is a cash advance. If you only have 10$, just buy the maximum $10 lottery. Lottery is kind of gambling!
If we can dream it, we can make it!
Member
Nov 11, 2006
399 posts
115 upvotes
Vancouver, BC
kaliman wrote: Anyone ordered BC Children Hospital's Lottery online and paid by credit card without incurring a cash advance fee?
I used to buy tickets for probably every local charity lottery including the one you mentioned and never once was charge a cash advance fee. Most recently I bought the PNE prize home lottery tickets online and I wasn't charged the fee
Deal Expert
Feb 7, 2017
20843 posts
19097 upvotes
Eastern Ontario
Never been charged a cash advance fee... Be it OLG Lottery Tkts at the Grocery Store, Pharmacy, or Gas Station

Same thing with other organized big charity lotteries (Cancer, Heart & Stroke, Hospitals etc)

Sounds like it is only when buying direct from the Lottery Corp... And perhaps in particular Provinces ?

PS... I think someone should fight this legally. You take out a Cash Advance (ie at a Bank / ATM etc) and your CC gives you a receipt saying you owe them money... Nothing else. You BUY a Lottery Ticket, ya don't just get a receipt, you also get an actual item... A ticket. You bought a ticket. Same as any other PURCHASE made with a cc (you get an actual item in addition to your receipt).

Plus you get a ticket... And a HOPE FOR CASH... No real cash. So it is not a Cash Advance.
Deal Guru
Jul 19, 2012
14710 posts
4832 upvotes
Montreal
PointsHubby wrote: Plus you get a ticket... And a HOPE FOR CASH... No real cash. So it is not a Cash Advance.
exactly, it's just a tax grab on the poor, like when the CRA tried to tax lottery winnings on multiple winners, stating that due to it being their main source of income (cuz they were poor), playing the lottery was now their "full-time job" - obviously they never let people claim their lottery ticket losses on any tax form I've ever seen.
My last and final digital game I purchased at PSN from those Sony Devils was on November 22, 2020 - Ban that Sorny!
Deal Expert
Aug 2, 2004
35132 posts
8549 upvotes
East Gwillimbury
Let’s take a look at this for a second.

I think the people selling lottery tickets make a 5% commission for every thicket sold. If you use a credit card, the credit card companies charge upwards of 3%

Cash advance have no fees charged to the retailer.
[OP]
Deal Addict
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Oct 13, 2007
4173 posts
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Edmonton
peli33 wrote: Look at Cash Advance column under Service fee category: http://itools-ioutils.fcac-acfc.gc.ca/S ... c-eng.aspx

Several are listed $0 fee for Cash Advance in Canada
Cool chart but unless I am missing something, I see only two with no cash advance fees, Affirm Mastercard and AmEx Gold but

AmEx Reward cards state:
The card cannot be used for recurring billing, such as utilities and subscriptions, at casinos, for cash or cash equivalents or for transactions requiring a pre-authorization for less than the full value of the transaction (such as some car rental and cruise line transactions), or for any other transactions, merchants and/or merchant industries that we may determine.
Affirm MasterCard appears to treat an advance like a purchase:
"Purchase" means the use of your card or Account number to:
1.
buy or lease goods or services;
2.
buy "Cash Equivalents"
(i.e.,
wire transfers,
money orders, person to person money transfers,
bets, lottery tickets, or casino gaming chips) from
any seller other than a financial institution;
but they charge $120/yr annual fee.
Deal Expert
Aug 22, 2011
37038 posts
23003 upvotes
Center of Universe
I buy CHEO Dream of a Lifetime Lottery every year (Visa, MC and AMEX) and was never charged any fees.
Deal Addict
Jan 29, 2017
3497 posts
2202 upvotes
starchoice wrote: Cool chart but unless I am missing something, I see only two with no cash advance fees, Affirm Mastercard and AmEx Gold but
When you sort by Canada I see 9 with 0$. Can't say if they have any exclusions.

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