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.
Prizes for scratch offs can be huge. Retail cards with $1 million+ top prizes are available. Online you can win 10,000x 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.
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, and SugarHouse 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
Here are the key advantages of retail scratch offs:
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.
|State||Lottery Corp.||Ticket||Price||Top Prize||Top Prize Odds|
|Arizona||Arizona Lottery||$200 Million Cash Explosion||$20||$2.5 million||1 in 2,273,203|
|Arkansas||My Arkansas Lottery||Ultimate Millions||$20||$1 million||1 in 570,000|
|California||California Lottery||$10,000,000 Bankroll||$30||$10 million||1 in 3,000,000|
|Colorado||Colorado Lottery||$3,000,000 Mega Money||$30||$3 million||1 in 600,000|
|Connecticut||CT Lottery||Connecticut Millionaires Club||$20||$2 million||1 in 912,000|
|Delaware||DE Lottery||Money Frenzy||$25||$250,000||1 in 150,000|
|Florida||FLA Lottery||$15,000,000 Golde Edition||$30||$15 million||1 in 6,473,610|
|Georgia||GA Lottery||Super Max the Money||$30||$10 million||1 in 4,200,00|
|Idaho||Idaho Lottery||100x The Cash||$30||$300,000||1 in 167,118|
|Illinois||Illinois Lottery||$2,000,000 Jackpot||$20||$2 million||1 in 2,040,000|
|Indiana||Hoosier Lottery||Ultimate Multiplier||$50||$5 million||1 in 2,018,460|
|Iowa||IA Lottery||$300,000 Platinum Cash||$30||$300,000||1 in 125,754|
|Kansas||KS Lottery||Premier Cash||$30||$250,000||1 in 103,778|
|Kentucky||KY Lottery||Gold Rush||$30||$3,000,000||1 in 2,400,000|
|Louisiana||Louisiana Lottery||Moneybag Multiplier||$10||$200,000||1 in 404,667|
|Maine||Maine Lottery||$50,000,000 Cash Blowout||$25||$50 million||1 in 2,600,000|
|Maryland||MD Lottery||Rose Gold Black||$30||$2 million||1 in 1,237,463|
|Massachusetts||Mass Lottery||Supreme Millions||$30||$15 million||1 in 7,560,000|
|Michigan||MI Lottery||Royal Millions||$30||$4 million||1 in 2,110,772|
|Minnesota||MN Lottery||Mega Crossword||$20||$300,000||1 in 487,216|
|Mississippi||MS Lottery||Mega Ca$h||$20||$200,000||1 in 24,273|
|Missouri||MO Lottery||$3,000,000 Golden Ticket||$30||$3 million||1 in 1,610,160|
|Montana||Montana Lottery||Loaded||$30||$500,000||1 in 80,000|
|Nebraska||NE Lottery||Ultimate Bonus Crossword||$20||$200,000||1 in 90,000|
|New Hampshire||NH Lottery||Granite State Platinum||$25||$2 million||1 in 522,996|
|New Jersey||NJ Lottery||$3,000,000 Ultimate Riches||$25||$3 million||1 in 2,904,673|
|New Mexico||NM Lottery||$200,00 Fortune||$10||$200,000||1 in 628,755|
|New York||NY Lottery||$5,000,000 Mega Multiplier||$20||$5 million||1 in 4,449,600|
|North Carolina||NC Lottery||$10,000,000 Colossal Cash||$30||$10 million||1 in 3,960,000|
|North Dakota||No scratch offs|
|Ohio||Ohio Lottery||40th Anniversary Millions||$30||$10 million||1 in 1,585,311|
|Oklahoma||OK Oklahoma Lottery||$250,000 Explosion||$20||$250,000||1 in 881,550|
|Oregon||Oregon Lottery||Diamond Crossword||$10||$100,000||1 in 114,811|
|Pennsylvania||PA Lottery||$3,000,000 Money Millionaire||$10||$3 million||1 in 1,200,000|
|Rhode Island||Rhode Island Lottery||$500,000 Payout||$30||$500,000||1 in 86,404|
|South Carolina||South Carolina Education Lottery||$500,000 Jackpot||$10||$500,000||1 in 660,000|
|South Dakota||South Dakota Lottery||100x The Money||$20||$400,000||1 in 150,000|
|Tennessee||TN Lottery||Gigantic Jumbo Bucks 300X||$30||$4 million||Not Available|
|Texas||TX Lottery||$200 Million Ca$h||$20||$5 million||1 in 1,357,585|
|Vermont||VT Lottery||Mega Bucks||$25||$60,000||1 in 183,000|
|Virginia||VA Lottery||Extreme Millions||$30||$10 million||1 in 1,366,523|
|Washington||WA Lottery||Jackpot Fortune||$30||$2 million||1 in 905,940|
|West Virginia||WV Lottery||Money Bags||$10||$5,000||1 in 12,000|
|Wisconsin||WI Lottery||Wisconsin Millions||$30||$1 million||1 in 160,000|
|Wyoming||No 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.
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.
Yes. Scratch offs are available online, though your home state makes a big difference to your options. Some states now have legal/regulated online casinos which have scratch offs along with their slots and table games. You can also find online state lottery sites in some jurisdictions. Elsewhere, you can enjoy scratch offs at sweepstakes casinos.
Yes. You can win huge real money prizes with online scratch offs. These prizes are not the jackpots/$1 million+ available on some retail cards. It is possible to win 25,000x your buy-in – or even more with games that have multipliers or bonus games. With buy-ins at $10 or even more for some online games, there is plenty of potential for big wins.
Long term returns from scratch offs are published as the RTP percentage (return to player). This is a theoretical return over thousands of games. The smaller the number of games you play, the more your results will be affected by the volatility of the outcomes. Some games will pay smaller prizes more regularly, others will pay the occasional bigger prizes. The odds of winning on a scratch ticket are incredible and in some cases, in the millions. You cannot beat the odds.
No. Retail scratch offs that are more expensive usually have the biggest jackpots and the biggest odds. Online, the returns are proportional to your bet. Unlike on slots where betting the maximum can unlock bigger prizes for the top symbols — paying more for a scratch ticket, or increasing your wager will not increase your likelihood of winning.