Play Scratch Offs Online For Real Money

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Did you know that forty-five states in America have a lottery system? The only states that do not have a lottery are Utah, Hawaii, Nevada, Alabama, and Alaska.

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Utah and Alabama have religious reasons to oppose a lottery, and those religious beliefs have carried over to the state government level. Alaska does not have a lottery because it does not need the tax income.

Hawaii and Nevada are two sides of the same coin. They do not have a lottery because they do not want it to detract from other revenue sources. Nevada’s casinos do not want to compete with a state lottery program, and neither do Hawaii’s tourism industries.

I never used to play lottery games because I grew up in Utah, where it was not allowed. Once I moved to one of the states with a lottery program, I remember being very excited about buying my first ever lottery ticket. To be honest, I did not really know what I was doing. If I remember correctly, I thought that I was buying an instant win ticket, but I ended up buying a Powerball ticket instead.

When I got home with my lottery ticket, I realized that I could not find out if I had won until after the drawing had taken place. I set it aside and forgot about it for at least a month. The next time I saw the ticket, I went online to see if I had won. Unfortunately, my ticket was not a winner, but I still kept the ticket itself as a way to remember some of my first experiences in my new state.

Fortunately, in today’s world, you can play lottery games online, no matter where you live. Even if you happen to live in one of the five states that do not have a state lottery, you can still play lottery games at your favorite online casinos. However, the only kinds of lottery games that are available online are scratch-off tickets.

There are hundreds of real money scratch card games online that you can play at any one of your favorite online casinos. Most casinos add new scratch games on a regular basis. That means that you have a lot of variety to choose from, which is great because you can simply try a new game if you ever get bored with one that you are playing.

However, it also makes it challenging to know which ones are worth your time or not. That is where I come in. To help you choose a few real money scratch card games that you might want to play, I have compiled this list of five popular online scratch offs that are getting the most attention in 2020.

All of these games are exciting, and they give you a good chance of becoming an instant winner. Best of all, they are available everywhere, no matter where you live. But before we jump into the 5 Best Real Money Scratch Offs, let’s take a look at how real money online scratch card games work in the first place.

How Do Online Scratch Cards Work?

I am not going to insult your intelligence by assuming that you do not know how instant-win scratch-off tickets work. All you need to do is grab a quarter to scratch off the paint and see what amount you won. But how does that work on the computer? The good news is that it is even simpler.

Please do not start scratching your computer screen with a quarter.

That is a really good way to ruin your expensive device, and it would not work anyway. Instead of physically scratching the card, when you play online, you simply use the mouse to click on the window that you want to reveal.

Some people are really superstitious when it comes to playing scratch offs online for real money. They like to reveal one section at a time or use a technique like scratching every other window before they scratch all of them. Computerized versions allow those people to continue using their superstitions because they can still click on whichever icon they want to, in whichever order they prefer.

The best games even have a simulated hand that will replicate the image of a quarter scratching of the symbol for you. So, you can still experience the same amount of excitement building as the numbers begin to appear. Online casinos have really found incredible ways to make players feel like they are experiencing the same thing that they would find in the real world.

Playing real money online scratch off games is as simple as playing the scratch off games that you would buy in the grocery store. The best part is that they give you a chance to know almost instantly whether you have won or not. Now that you know what to expect from online scratch games let’s take a look at some of the popular real money scratch games that are available online this year.

Game #1- Lucky Numbers

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Lucky numbers is an online scratch card game that is straightforward and simple. It does not have a particularly exciting theme like some of the other games on this list. Instead, it is modestly decorated with symbols of good luck. Like most real money scratch offs online, you click on the panels to find the hidden icons underneath, and you win if you get three matching symbols.

You might be thinking that this game does not have anything to make it particularly special, but you would be wrong. The best part of this game is the fact that you can earn multipliers that increase your winnings up to five times as much as you would win otherwise. It also gives you two chances to win on every single card that you play.

The return to player percentage on this game is the highest that Microgaming software offers. More than 96.5% of the money that gets spent on this scratch card gets returned to players in the form of winnings.

Tips:Real

You have to remember that the return to player percentage gets calculated based on all players at all times, so this does not mean that you will get 96% of your money back. But it does mean that you have decent odds of winning, especially if you play a few rounds.

While lucky numbers is not the best game in terms of theme or graphics, it is the best game from this company in terms of payout percentage. Considering that most of us care more about our odds of winning than the theme of the game, it is easy to see why lucky numbers is such a popular online scratch card game.

Game #2- Wish Upon a Jackpot

If you are looking for a game that is a little more exciting in terms of theme and gameplay, check out the wish upon a jackpot scratch card game. This fantastic game is fairytale-themed, and it comes complete with a fairy godmother, a runaway gingerbread man, and you cannot forget about Puss and Boots.

I like this scratch card game because it gives you a lot of options. Before you begin playing, you can choose how many panels you want to play and how much you want your stake to be. The potential jackpot amount will depend on how much you stake and how many windows you play. Keep in mind that you will pay the stake for each panel, so if you play ten cents on ten windows, you will be betting a dollar on each round.

Another thing that I like about the wish upon a jackpot game is that it is a little different from other online real money scratch offs. The winning symbol will be displayed in the middle of your screen, and you only need one match to win. Most games make you find at least three of the same symbol to win.

Furthermore, wish upon a jackpot has bonus rounds that you can play to increase your winnings. If you get three bonus tiles, you get to play the Jack and the Beanstalk bonus round. To play, you select magic beans that will help Jack get to the top of the beanstalk. Each bean adds to your winnings, and when you get to the top, you get to choose a golden goose egg that multiplies your earnings from the bonus round. There are several other bonus round options available as well.

Wish upon a jackpot has a 93% return to player percentage. That is not nearly as high as the lucky numbers game, but it still gives players a decent chance of winning in the long run. The fun themes and characters, as well as the bonus rounds, make this game worth playing, despite the fact that it has a lower return to player percentage. It is a fun and unique game that you will enjoy playing because it is different from many other real money scratch cards.

Game #3- Merlin’s Millions

A game that offers the best of both worlds is Merlin’s millions. It has the simplicity and high return to player percentage of lucky numbers, plus the fun theme and graphics that wish upon a jackpot offers. This game appeals to people who like simplicity, and people who want fascinating motifs at the same time.

Merlin’s millions is based on the wizard that was King Arthur’s sidekick and friend, so it has a medieval theme for all of its symbols. There are eight symbols that appear on the cards. You have to match three of each symbol to win, and they each have a different payout amount. If you are lucky enough to find three images of Merlin himself, you will be reward with 1,000 times your stake. The magical orb symbol is the hardest to find, but if you can match three orbs, you will get to play mini-games with guaranteed winnings.

The best part about the Merlin’s millions game is that it offers a high return to player percentage of 95.17%. It provides enormous jackpot amounts of up to £250,000, but you can play with as little as three cents per round. Overall, it is a fantastic game that offers a simple game experience with excellent graphics and a high return to player percentage.

What more could you ask for in an online scratch card game?
Online

How To Win Money Playing Scratch Offs

Game #4- Whack-a-Jackpot

Are you ready to be taken back to the days of hanging out at your favorite arcade? Then, whack-a-jackpot is the game for you. I have to admit that I have been to arcades far more recently than the average adult because I have nephews who love to ask me to take them to the arcade. While my nephews play skeeball and Pac-man, I always head to whack-a-mole to let out some stress by hitting moles with as much intensity as possible.

Whack-a-jackpot probably does not have the same soothing effects as actual whack-a-mole, but that is okay because you will not be stressed when you win!

Note:

Can I Play Scratch Offs Online

This game has a high return to player percentage of 96.30%, so your odds of winning, in the long run, are pretty good.

This scratch card game is different from a lot of games because there is a “three strikes your out” rule. You will whack the moles on the head by clicking them with your mouse. Most of the moles will reveal a multiplier amount. If you get three of the same multiplier amount, you win.

However, some of the moles do not have any multipliers. When you click on an empty mole, it counts as a strike against you. If you happen to hit a mole after it starts going back into its hole, then that counts as a strike as well. Getting three strikes before three matching multipliers will end the game, and you lose.

Overall, whack-a-jackpot is a fun game that brings back the nostalgia of those days in the arcade. It also has a high return to player percentage and high potential jackpots. I admit that it is not as fun to me as the original version, but you cannot win thousands of dollars when you play in an arcade. So, I will accept the tradeoff of less fun for more potential winnings.

Game #5- Witch Pickings

The last game that I want to recommend is called witch pickings. It is an excellent online scratch card game with beautiful graphics. Overall, the game is simple and straightforward. There is not a lot of features that make it stand out in terms of gameplay, but the graphics are vibrant and fun. All of the animated symbols are beautiful and realistic. In the background, you get to see a sprawling hill that leads up to the witches’ castle.

There are three witches, along with their potion bottle, castle, and a pot of gold that are the symbols on the game. You have to match three of each symbol to win. Each of the witches has its own multiplier amount, including ten, fifty, and one hundred times your stale. Their crystal ball multiplies your stake by 5,000 to earn an incredible payout. If you are lucky enough to get three of each of the witches, meaning that the witches would fill your entire card, you can activate a bonus game.

Witch pickings is a perfect example of everything that an online scratch card game should be. It is straightforward, and it does not have a lot of bells and whistles. But the graphics are beautiful, and the game is well done. Best of all, the return to player percentage is 95.93%. If you just want a simple game that you can play for a few minutes, this is the perfect game to pass the time and maybe win some money while you are at it.

Conclusion

It is easy to see why all of these online real money scratch cards are so popular. They are easy to play, have low stakes, and if you win, you will know it instantaneously.

Note:

All of these games have return to player percentages that are between 93-96%, so they are all games that offer players a decent chance to win.

But it is essential to keep your expectations in check. If you are expecting online real money scratch off games to keep you entertained for hours as slot machines do, you are probably going to be disappointed. You can enjoy a variety of games, but after a little while, you are probably going to get bored of simply clicking your mouse to see which numbers or symbols appear.

Instead of expecting real money scratch off games online to entertain you for hours, I recommend incorporating them into your gambling routine the same way that you would with in-person lottery tickets. When I get done with a gambling session, I will play a couple of real money online scratch offs before I log out of my account. I use the same mentality as if I were picking up some real money scratch cards whenever I go to the grocery store. Scratch games are not something that I spend a lot of my gambling budget on, but they are fun to enjoy everyone once in a while.

Some of you may like to play online real money scratch card games when you begin to run out of money. Any time you have a dollar or two left in your account, that is an excellent time to play an online scratch card game because they have low stakes, and they do not require a lot of effort. There may be some people who intentionally create online casino accounts to play scratch card games online for real money, but I think that they are more like an afterthought for most of us.

Real money scratch cards online are fun to enjoy every once in a while, but you should not play so much that you start to get bored with the game. Incorporating them into your gambling routine on a regular basis is a fantastic way to incorporate these fun games, without going overboard.

Think of it the same way that you would be buying regular scratch card tickets from your local lottery. Most likely, you grab a lottery ticket every time you go to the grocery store or gas station, but it is not something that you do every day. That is how it should be with online scratch card games as well. Any of these games that I mentioned here are perfect for incorporating whenever you want a fun distraction for a few minutes at a time.

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 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

Play Scratch Offs Online For Real Money

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:

Real Money Scratch Off Games

  • 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.

Free Online Scratch Offs Win Real Money

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.

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.