I have been using them for most of my horse bets. They do not offer all tracks. Tracks not offered: Beulah, Colonial, Emerald, Fairmount, Finger Lakes, Meadowlands (t-bred), Philadelphia, River Downs, Tampa Bay Downs, Thistledown, Woodbine. The 7% rebate is wonderful and can make a big difference in your profit/loss figures. Occasionally the live feed will go down and they will not be able to accept bets online until the feed is re-established. This can be as long as half a day or more. The biggest drawback at Pinnacle is the maximum cap on winnings per bet. The cap varies depending on the track and ranges from $75,000 to $5000. So at the smallest tracks, if you bet $500, you are limited to 10 to 1 in winnings ($5000). Overall, though, they have the best horse deal going. Also, you can deposit/withdraw $8000 per transaction via Neteller there, which makes things easier.