Site credit calculator: turn site credit into cash
Site credit is a sportsbook bonus that pays your winnings and the credit itself back in cash when the bet wins, so it is worth more than a bonus bet of the same size. Enter the credit, its odds and the odds on the other side: the calculator gives the hedge stake that leaves the same cash whoever wins, often 90% or more of the credit at short odds.
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How to use the calculator
- 1
Enter the site credit
The amount of credit and the odds you bet it at. Short odds close to even keep the most.
- 2
Enter the hedge odds
The odds on the opposite outcome at another sportsbook, with its commission if it charges one.
- 3
Place the hedge shown
Bet the stake shown with your own money: whoever wins, you keep the same cash.
Worked example
$100 of site credit on the Lakers at -110 (1.91). The Celtics are -110 at another sportsbook. Hedging $100.00 on the Celtics leaves $90.91 whoever wins: the credit pays $190.91 if the Lakers win, the hedge pays $90.91 of profit if the Celtics do. The $100 of credit became $90.91 of cash, a 91% conversion.
Related calculators
- Bonus bet converter The hedge that turns a bonus bet into cash, and how much you keep.
- Second chance bet calculator The hedge for a second chance bet, with the refund counted at its cash value.
- Playthrough calculator How much to wager to unlock a bonus, and what it is really worth.
- Hedge calculator The hedge stake that locks in a profit or your stake back.
Frequently asked questions
What is site credit?
A sportsbook bonus you can only wager, but that pays back the stake with the winnings when the bet wins. A bonus bet pays the winnings only, which is why the same amount of site credit is worth more.
Site credit or bonus bet: how do I tell them apart?
Read the promotion's terms: stake returned or site credit means the stake comes back; bonus bet or free bet usually means it does not. The sportsbook's terms decide.
Which odds convert site credit best?
Short odds close to even, the opposite of a bonus bet: the stake comes back anyway, so the best result comes from the smallest gap between the two prices.
Does site credit have a playthrough?
Some site credit must be wagered more than once before the cash can be withdrawn. Hedge each round the same way, or use the playthrough calculator to price the whole requirement.
How do I find the best game for site credit?
NinjaBet's Bet Finder in Cash mode lists the pairs of prices closest to each other across licensed sportsbooks, which are the ones that keep the most of a site credit.
By the NinjaBet Editorial Team Updated on October 28, 2026
Find the pairs that keep the most
The Bet Finder compares licensed sportsbooks live and ranks every pair of prices by rating, ready to calculate.
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