Real Money Lottery Games (2024)

  • Real Money Lottery Games Winning
  • Free Lottery Win Real Cash

Scratch off cards have come a long way since the 1970s when the first card was released by the Massachusetts lottery. There are now thousands of cards to choose from at lottery retail outlets across the country. You can now also play these games online. States with regulated online casinos and online lottery games give you access to online scratch offs. These add colorful themes and entertaining gameplay to the original idea.

Not all real-money games are ‘gambling’ Using gaming, gambling, betting, casino, lottery interchangeably is incorrect. It confuses users, companies, regulators, and other stakeholders. Real money lottery games are available in most online casinos. This guide gives you our trusted and recommended sites to play Bingo, Keno, scratchcards, and other fan-favorites. We’ll explain how to sign up and play, the pros and cons of online lottery,.

Prizes for scratch offs can be huge. Retail cards with $1 million+ top prizes are available. Online you can win10,000x your buy-in or more in multiple games.

This page has everything you need to get the best from online scratch offs. This includes information on which states offer them via regulated casinos, the most popular games, and how the online games compare to the retail scratch offs we know and love.

Online games with games like scratch offs

Real money scratch off casinos

Legal online casinos are already available in many states. With regulation and licensing underway, the list of states where you can enjoy online scratch offs is growing. You will find them alongside slots, table games, virtual betting games, and video poker.

The current list of states with online casinos includes New Jersey, Pennsylvania, Michigan, and West Virginia. Some states also have online lottery games – residents of Michigan can access scratch offs via the Michigan lottery website. National and international brands partner with local casinos in the regulated states. They develop apps that can host hundreds of different games. You can enjoy scratch off and novelty games at brands including BetMGM, FanDuel, andSugarHouse casino in New Jersey.

Online scratch games are an ideal way to take advantage of casino bonuses. Real money online casinos in the regulated states offer a mix of no deposit bonuses, matched welcome bonuses, and ‘no lose’ deals based on your first day’s play. While table games and video poker are often excluded from bonus clearing, online scratch offs contribute 100% to your bonus play-through target.

Keep in mind that the ongoing benefits are important. Once you find a casino online that offers the mix of scratch cards, slots, and other games you enjoy – those loyalty rewards and player promotions will make a big difference to your bankroll over time.

Popular online scratch off games for real money

Online scratch offs allow for play over multiple ‘rounds’. They have entertaining themes, quirky gameplay and sometimes add elements from ‘gems’ type mobile games or even sports into the mix. The core of these games is the same as retail scratch offs — only with a lot more features.

The examples of online scratch offs below show how diverse these games are. Many of them can be accessed in demo-mode, allowing you to find the games you like best before you commit to playing scratch offs for real money.

1. Color Cubes

This IGT online scratch off is loosely based on mobile gems games. You start by selecting a stake between $1 and $10. A grid then fills with colored blocks. You have 8 ‘turns’ where a block is selected and you are awarded all the matching colored blocks which are joined to the selected one. These can be auto-selected, or you can click each time. To the left of the blocks are the prizes. You collect blocks in groups to fill lines – and can win up to $250,000. Bomb symbols explode to give you all the adjacent blocks. Star symbols supply instant wins.

2. Ghostbusters: Spectral Search

This online scratch off takes the familiar 3×3 grid idea to a new level. It is based on the Ghostbusters movie franchise. You get five picks to match as many ghosts as possible. The Stay Puft man has the biggest prize of 15,000x your bet. If you find Slimer you get an instant win. Other ghosts have prizes for between two and four of a kind. The animations are amazing for this game, with the different monsters coming to life on the screen. You can pick a location to search or take one at random.

3. Medieval Money: Dragon’s Loot

Instead of scratching to reveal pictures, you get to catapult rocks at a medieval castle in this game. Each rock you throw will smash a hole in the walls, revealing gems. These move to the left, where they accumulate in lines triggering prizes. The top prize is 25,000x at $10 per ticket, or 15,000x at $1. There is a bonus game, which is triggered if you reveal a dragon. You get to pick from three piles of treasure, which will give you either more gems or an instant win.

4. DoublePlay: Super Bet

You need to match three symbols to win in this online scratch off from UGT. These symbols include red sevens, stars, bells, and lucky horseshoes. The big win potential comes in when you get three of the logo/badge symbols. This will trigger five free games at the same bet size used for your current card. For those five games, the prizes are tripled. This boosts the top prize (for three diamonds) from 1000x to 3000x. Bet sizes for DoublePlay SuperBet range from 3c up to $50.

5. Irish Eyes 2

You will see a classic Irish redhead on the 3×3 grid of this game. It is a classic scratch off format, where you must match three symbols to win a prize of up to 1000x your bet. Those symbols show classic luck of the Irish symbols. They include a four-leaf clover, leprechaun’s hat, and a pipe. If you are lucky enough to find pots of gold, then you win five free games. These are based on the bet amount of your triggering card, with a multiplier added to each win.

6. Medusa Scratch

In Greek myths, the Medusa was a hideous creature whose hair was made of snakes. This NextGen online scratch off uses a far more glamorous picture. This game uses the classic nine squares, with prizes awarded for matching three of the symbols. Those symbols include buildings, coins, and warriors. You can click on each square in turn, or auto-play, which reveals them all instantly. Get three logo symbols for five free cards with 3x win multipliers.

7. Merlin’s Millions Scratch

Merlin was the wizard involved in the legends of King Arthur. The version used by NextGen for this online scratch off has a friendlier demeanor. This is a classic scratcher game setup, where you need to match three symbols from a grid of nine to win a prize. The top prize (for matching three Merlin symbols) is a generous 1000x your triggering bet. If you match three orbs, you get three free cards, where all of your prizes are doubled.

8. The Price is Right: Come on Down

You will recognize the logo from the famous TV game show, though the gameplay is brand new. There are two main games, and two bonus games to enjoy. You set your bet, then click two rows of prizes. If you match three cash amounts, that is what you win. The second game uses squares with question marks. They show objects with prizes – here you win the ones in gold. If you get three mountain signs in either game, you play a ‘cliff hanger’ bonus game. There is also a wheel spin bonus called ‘Showcase Showdown’ which gives you a shot at winning up to 100x your original prize.

9. The Voice Scratch Off

This online scratch off is based on the TV talent show. It shows a row of seven red chairs, with prizes above each. You get seven rounds, with each round seeing between one and four of the chairs turning around. They reveal one or more colored music notes, which line up in rows above the chair. Prizes are triggered when you hit the top of each column. You can also receive instant wins.

10. Wheel of Fortune: Winning Words Game

There are two phases to this scratch card style game. You spin the iconic Wheel of Fortune wheel to start. This gives you three prizes – one for each predetermined word. You then see a row of cards, which flip to reveal letters. If you complete your word, you win that prize. The designers of this game keep you on edge by making sure one or more words only needs a single letter to complete. There is an additional random bonus wheel round, where your wins can be multiplied.

Virtual scratch offs vs Lottery retailer games

Many online scratch offs closely resemble the gameplay of their physical counterparts. There are some significant differences, especially when it comes to the complexity of the gameplay and the ability to have extras like bonus rounds or win multipliers.

Here are some of the key reasons to enjoy online scratch offs:

  • Flexible bet sizes: It is rare to find a retail card at less than $1. Online, your bet sizes can be anything from a few cents up to $50.
  • Bonus games: Spin a wheel to get a win multiplier or find the right symbols to win five free games at 3x on all wins. Online scratch off bonus games are varied, as well as potentially very profitable.
  • Instant play: No need to get a coin and rub off the symbols one by one. Online cards let you reveal all the symbols at once, so you can get straight on with the next game.
  • Novel graphics: Retail cards cannot give you the option to throw rocks at a castle — or spin a wheel to get a mountain climber moving upwards.
  • Casino bonuses: The online casinos that host scratch offs will offer bonuses for new players. They can include no deposit deals, matched welcome bonuses, and special promotions.
  • Mobile play: Access scratch offs from anywhere via your iPhone or Android smartphone with online casino apps.

Here are the key advantages of retail scratch offs:

  • Availability: You can buy retail lottery tickets and scratch offs in most states. The online versions are currently only available in a handful of states.
  • Charity: State lotteries are set up to provide funding for good causes including education, veterans, and the environment.
  • Jackpot potential: Retail cards can have huge top-prizes, with the biggest being $1 million or more.
  • Remaining wins: In some lotteries, the proportion of cards with big wins with each design is published. This allows you to be strategic in your choices.
  • Huge choice: Online casinos have a handful of scratch offs, some lotteries have 20+ games to choose from, with new/seasonal cards appearing all the time.
  • Control: Since you need to head to your local lottery retailer to buy scratch offs, there is less temptation to gamble with money you cannot afford.

How do I increase my chances of winning?

You can’t. The odds are stacked against you. To demonstrate this, we’ve provided a chart below comparing the odds on the highest paying scratch tickets across the US.

Real Money Lottery Games (1)Real Money Lottery Games (2)

Odds of winning top prize across the US

StateLottery Corp.TicketPriceTop PrizeTop Prize Odds
Alabama No lottery
Alaska No lottery
Arizona Arizona Lottery$200 Million Cash Explosion$20$2.5 million1 in 2,273,203
Arkansas My Arkansas LotteryUltimate Millions$20$1 million1 in 570,000
California California Lottery$10,000,000 Bankroll$30$10 million1 in 3,000,000
Colorado Colorado Lottery$3,000,000 Mega Money$30$3 million1 in 600,000
Connecticut CT LotteryConnecticut Millionaires Club$20$2 million1 in 912,000
Delaware DE LotteryMoney Frenzy$25$250,0001 in 150,000
Florida FLA Lottery$15,000,000 Golde Edition$30$15 million1 in 6,473,610
Georgia GA LotterySuper Max the Money$30$10 million1 in 4,200,00
Hawaii No lottery
Idaho Idaho Lottery100x The Cash$30$300,0001 in 167,118
IllinoisIllinois Lottery$2,000,000 Jackpot$20$2 million1 in 2,040,000
Indiana Hoosier LotteryUltimate Multiplier$50$5 million1 in 2,018,460
Iowa IA Lottery$300,000 Platinum Cash$30$300,0001 in 125,754
Kansas KS LotteryPremier Cash$30$250,0001 in 103,778
Kentucky KY LotteryGold Rush$30$3,000,0001 in 2,400,000
Louisiana Louisiana LotteryMoneybag Multiplier$10$200,0001 in 404,667
Maine Maine Lottery$50,000,000 Cash Blowout$25$50 million1 in 2,600,000
Maryland MD LotteryRose Gold Black$30$2 million1 in 1,237,463
Massachusetts Mass LotterySupreme Millions$30$15 million1 in 7,560,000
Michigan MI LotteryRoyal Millions$30$4 million1 in 2,110,772
Minnesota MN LotteryMega Crossword$20$300,0001 in 487,216
Mississippi MS LotteryMega Ca$h$20$200,0001 in 24,273
Missouri MO Lottery$3,000,000 Golden Ticket$30$3 million1 in 1,610,160
MontanaMontana LotteryLoaded$30$500,0001 in 80,000
Nebraska NE LotteryUltimate Bonus Crossword$20$200,0001 in 90,000
Nevada No lottery
New Hampshire NH LotteryGranite State Platinum$25$2 million1 in 522,996
New Jersey NJ Lottery$3,000,000 Ultimate Riches$25$3 million1 in 2,904,673
New Mexico NM Lottery$200,00 Fortune$10$200,0001 in 628,755
New York NY Lottery$5,000,000 Mega Multiplier$20$5 million1 in 4,449,600
North Carolina NC Lottery$10,000,000 Colossal Cash$30$10 million1 in 3,960,000
North Dakota No scratch offs
Ohio Ohio Lottery40th Anniversary Millions$30$10 million1 in 1,585,311
Oklahoma OK Oklahoma Lottery$250,000 Explosion$20$250,0001 in 881,550
Oregon Oregon LotteryDiamond Crossword$10$100,0001 in 114,811
PennsylvaniaPA Lottery$3,000,000 Money Millionaire$10$3 million1 in 1,200,000
Rhode Island Rhode Island Lottery$500,000 Payout$30$500,0001 in 86,404
South Carolina South Carolina Education Lottery$500,000 Jackpot$10$500,0001 in 660,000
South Dakota South Dakota Lottery100x The Money$20$400,0001 in 150,000
Tennessee TN LotteryGigantic Jumbo Bucks 300X$30$4 millionNot Available
Texas TX Lottery$200 Million Ca$h$20$5 million1 in 1,357,585
Utah No lottery
Vermont VT LotteryMega Bucks$25$60,0001 in 183,000
Virginia VA LotteryExtreme Millions$30$10 million1 in 1,366,523
WashingtonWA LotteryJackpot Fortune$30$2 million1 in 905,940
West Virginia WV LotteryMoney Bags$10$5,0001 in 12,000
Wisconsin WI LotteryWisconsin Millions$30$1 million1 in 160,000
WyomingNo scratch offs

If you’re playing online, the outcome is controlled by random number generator software, which means you cannot affect your chances. There is no strategy involving betting more after losing or varying your bets in specific ways that will influence how often you win. As with all games, the house edge is a mathematical fact.

You can do this by playing only with money you can afford to lose, making sure you are not showing signs of problem gambling, and finding the games that are entertaining to play — then seeing any wins as an extra.

History of scratch offs

The concept of instant win games started with Pull-Tabs. All this would change in 1973 when two inventors — John Koza and Daniel Bower — combined forces to create the first modern scratch off games. There was more to this than simply creating a surface to scratch. Math was needed to develop games that had fair returns and to randomize the outcomes for the lottery operators.

Scientific Games was created in 1974 to market the new cards. This company went on to become one of the biggest names in gambling. Their modern brands include Bally, WMS, and Barcrest slots — plus Shuffle Master for devices for casino table games. The first cards were produced for the Massachusetts lottery, though they would soon become hugely popular across multiple states with lottery games.

Cards are now created by lotteries across the country. A new format saw these cards move online in the early 2000s. With online casinos not available in every state in the USA, it is only recent state-level regulation that has seen them become available. You can enjoy game show themed novelty games, plus cards which are closer to the original concept of revealing three matching symbols online.

Lotteries are big business indeed, and spending on lotteries simply dwarf other forms of gambling, mostly due to its superior access and marketing. Lotteries also offer the appeal of a shot at a huge payout, and a big part of their appeal for many players is imagining what they would do if they were fortunate enough to get a big win, in spite of the very low probability of this ever happening.

Conventional lottery drawings do involve a considerable time lag between the purchase and getting the results, although this doesn’t discourage a lot of people. However, for many, the opportunity to reduce the waiting time from days to literally seconds is plenty appealing indeed, and this is exactly what scratch games do.

Best Online Casinos with Scratch Off Games

RankOnline CasinoKey InfoBonus InfoVisit Casino
  • Excellent Payout Speeds
  • 280% Welcome Bonus
  • Brand New Casino
  • Caters to US Customers
  • 150% Welcome Bonus
  • Great Customer Service
  • Large Selection of Slots
  • Variety of Banking Options
  • 300% Bonus up to $6,000
  • 250% First Deposit Bonus
  • Fast Payout Times
  • Large Selection of Games
  • Instant Play & Download
  • Over 250+ Online Slots
  • 4-8 Hr. Payout Time

Real Money Lottery Games Winning

Normally, when you buy a lottery ticket, you have to wait until the drawing takes place, which occurs on a periodic basis, once a week or once every couple of weeks. People buy tickets over this time and then the numbers are drawn and announced and players check their tickets to see if they won anything.

Free Lottery Win Real Cash

It isn’t really necessary to only have the drawings done periodically though, as the payouts are based upon probability and not how many tickets are sold, and in theory the lottery could do a “draw” each time a ticket was purchased and deliver instant results to the player.

There is some logic though behind periodic draws as it’s easier to market big jackpots in the media if it’s done in a fixed manner, rather than akin to a progressive jackpot which can grow larger by the second. Because it isn’t static, lotteries couldn’t advertise a certain number and being able to do so does contribute a lot to their sales, as many players get more excited as jackpots grow and will purchase even more tickets to try to cash in.

Scratch Games Offer A Quick and Easy Alternative

The technology for instant lotteries has been around since the 1970s, and in 1987 the first patent was issued for a scratch lottery format, where players would simply scratch off areas of a ticket to reveal pre-determined prizes.

So the company would issue a batch of tickets with prizes distributed on them based upon the desired odds and payouts, then they would be offered for sale. In this sense, the lottery results have already been drawn, and players would then purchase random tickets to them to seek an chance at winning the prizes.

As it turned out, this was a great idea, as it removes the wait time completely, other than the anticipation of doing the scratching, which does form an important part of the experience for many players.

Some players like to scratch their tickets slowly, paying close attention to the results as they go, and using that to build up their excitement and anticipation, while others may prefer to scratch the whole ticket at once and accelerate the experience even more. It’s your ticket though and you may scratch it however you like.

While the size of jackpots with scratch tickets is more limited than conventional lottery draws, the prizes do tend to be quite a bit higher than you would see with most casino games, and this also helps fuel the appeal for them. Like casino games though, payouts do tend to be more widely distributed, in other words more frequent smaller wins, much like a slot machine would pay out, to keep players’ interest and have them keep buying and playing.

Virtual Scratch Games

Online casinos have now gotten into this game with the offering of virtual scratch tickets as part of their casino software, and like other online casino games, these are available both in instant play through a browser, and by downloading the online casino’s software.

The process is the same, other than the fact that you don’t actually physically scratch the cards, you use a mouse to click instead, although graphics are generally provided to make the experience seem more real.

There is no real difference though between a physical and virtual scratch ticket, other than the online version is more accessible, you don’t have to go to a lottery booth to buy them, you don’t have to leave your home at all, and can even play on the go on your mobile device.

Online scratch cards also tend to have much more player friendly odds than scratch tickets offered by lotteries, which are famous for their very high edge. Lotteries enjoy a sort of monopoly though and can get away with that, where online casinos aggressively compete with each other and this serves to drive down the house edge to levels much more comparable with other casino games.

In a real sense, online scratch games are very similar to slots, the same idea just being presented in a different graphical format. Online scratch tickets aren’t anywhere near as popular as slots though, for whatever reason, but it is a fast growing form of gambling, and is certainly an enjoyable one for those looking for an experience that is both simple and relaxing and also a lot of fun.

Similar pages:
Real Money Lottery Games (2024)


Top Articles
Latest Posts
Article information

Author: Fr. Dewey Fisher

Last Updated:

Views: 5937

Rating: 4.1 / 5 (62 voted)

Reviews: 85% of readers found this page helpful

Author information

Name: Fr. Dewey Fisher

Birthday: 1993-03-26

Address: 917 Hyun Views, Rogahnmouth, KY 91013-8827

Phone: +5938540192553

Job: Administration Developer

Hobby: Embroidery, Horseback riding, Juggling, Urban exploration, Skiing, Cycling, Handball

Introduction: My name is Fr. Dewey Fisher, I am a powerful, open, faithful, combative, spotless, faithful, fair person who loves writing and wants to share my knowledge and understanding with you.