Online Scratch Cards for Real Money: Same Cards, Different Rules
Online scratch cards are instant-win games: you buy a card, reveal it, and know at once whether you won. Many casinos carry the same titles, such as Play With Cleo, Aztec Warrior and Sea Treasures. What changes from casino to casino is the stake range and whether a bonus can be used on them. We read the specialty game pages and bonus terms of the casinos we review.
The Short Answer
Bovada and Red Dog have the longest lists we found, 25 scratch and instant-win games each, and Bovada publishes coins from $0.01 to $100. Ignition carries nine scratch cards and is the only one of our three picks we have timed: it paid our $2,400 Ethereum withdrawal in 41 minutes 20 seconds.
If you want to use a bonus on scratch cards, check the terms first. Red Dog and BetWhale count scratch cards 100% toward their rollover, but Ignition and Slots.lv list many scratch cards among the games bonus money can’t be used on.
The Best Scratch Card Casinos
Three casinos with a deep scratch card list, ordered by our scorecard.
Ignition
- Lowest cashout
- $10Litecoin or Lightning
- Ways to get paid
- Crypto
- Other
- Published payout time
- Bitcoin approval: about 24 hours
- Limits
- $9,500 per Bitcoin or Litecoin payout
Nine scratch cards and a proven payout. Ignition’s specialty page lists 3 Kings Scratch, Aztec Warrior, Leprechaun Frenzy, Luck & Magic, Luck & Mystic, Play With Cleo, Saiyan Warriors, Sea Treasures and The Bank Heist, plus instant-win games such as Penguin Payday and Cast For Cash.
Getting paid: Ignition paid our $2,400 Ethereum withdrawal in 41 minutes 20 seconds and a Bitcoin withdrawal in 38 minutes.
Watch for: Several of Ignition’s scratch cards are on its list of games bonus money can’t be used on. Play them with cash, or check the list before you start.
We may earn a commission if you sign up through this link. Offers change, so check the terms on the casino site before you deposit.
Bovada
- Lowest cashout
- $10Litecoin, BCH, BSV or Lightning
- Ways to get paid
- Crypto
- Wire
- Check
- Other
- Published payout time
- Bitcoin approval: about 24 hours
- Limits
- Bitcoin $90,000 a week; Litecoin $180,000
One of the two longest lists, and the widest stakes. Bovada’s specialty page lists 25 scratch cards and instant-win games, from Aurum Elite and Captain’s Bounty to Rainbow Fruit and Rise of the Titans, and says coins range from $0.01 to $100. To win, it says, you need at least three matches.
More instant games: Bovada says it has over 60 specialty games, including keno, wheel games and crash games.
Watch for: Bovada’s $0.01 to $100 range is for its scratch cards in general; individual cards can be narrower. We haven’t timed a Bovada withdrawal.
We may earn a commission if you sign up through this link. Offers change, so check the terms on the casino site before you deposit.
Red Dog
- Lowest cashout
- $150every method
- Ways to get paid
- Crypto
- Card
- Wire
- Published payout time
- Bitcoin: 1 to 3 business days
- Limits
- $2,500 per request, one at a time
Scratch cards that count toward a bonus. Red Dog lists 25 titles under Scratch & Win, from Play With Cleo and Sea Treasures to Ice Scratch and Scratch Alpaca, and its terms count scratch cards 100% toward its bonus rollover, the same as slots.
Bonus rule: with a Red Dog bonus active, a single wager above $10 voids the winnings, so keep each card under that.
Watch for: Red Dog limits payouts to $2,500 per transaction and may pay large wins in installments. We haven’t timed a Red Dog withdrawal.
We may earn a commission if you sign up through this link. Offers change, so check the terms on the casino site before you deposit.
Seven Scratch Card Lobbies, Side by Side
| Casino | Scratch cards listed | Stakes it publishes | Bonus treatment |
|---|---|---|---|
| Bovada | 25 scratch and instant-win games | $0.01 to $100 a coin | Specialty games count 100% |
| Red Dog | 25 in Scratch & Win | Not stated | 100%; bets over $10 void winnings |
| Ignition | 9 scratch cards plus instant wins | Not stated | Many scratch cards can’t be played with a bonus |
| BUSR | 9 scratch cards (Social Games) | Not stated | “Scratcherz” count 100% |
| BetWhale | 8 scratch cards | $0.10 to $20 each | 100% |
| Cafe Casino | 7 scratch cards plus instant wins | “As low as $1” on most specialty games | Specialty games count 100% |
| Slots.lv | 6 scratch cards plus instant wins | Not stated | Many scratch cards can’t be played with a bonus |
Inside a Scratch Card: Play With Cleo
Play With Cleo is one of the two cards we found at the most casinos (Aztec Warrior is the other): Bovada, Ignition, Slots.lv, Cafe Casino, BUSR, BetWhale and Red Dog all list it. Dragon Gaming makes a game with this name and publishes its rules (the casinos don’t name the maker, so check the info screen):
- A 3×3 grid; find three matching symbols to win. You can match one, two or three sets, and no symbol appears more than three times.
- Three pyramid scatters award ten free cards, and a wheel then multiplies free-card wins by 2× to 10×.
- The top single prize is 500× the stake, for three Cleos; the best possible card pays 650×.
- Stakes from $0.10 to $20.00, with medium to high volatility.
Dragon Gaming’s page gives the return as 95.00% in its text but “N/A” in its game sheet, so treat 95% as the maker’s claim. On a 95% card, the average cost is $5 for every $100 you scratch.
Most scratch cards don’t publish a return at all. If the info screen doesn’t show one, assume you are playing blind and keep the stake small.
Scratch Cards and Bonuses
Scratch cards are one of the few games outside slots that often count in full toward a bonus. The catch is the exclusion lists:
| Casino | How scratch cards count |
|---|---|
| Red Dog, BetWhale | Scratch cards count 100%, like slots |
| BUSR | “Scratcherz” count 100% |
| Sloto’Cash | Scratch cards count toward the welcome bonus; $10 maximum bet |
| Bovada, Cafe Casino | Specialty games count 100% |
| Ignition, Slots.lv | Specialty games count 100%, but many scratch cards are on the list of games bonus money can’t be used on |
Playing a game on the exclusion list while a bonus is active can cost you the bonus and its winnings. Open the casino’s “not playable with a bonus” list before your first card.
Scratch Card Questions
Where can I play scratch cards for real money?
Bovada lists 25 scratch and instant-win games, Red Dog 25, Ignition and BUSR nine each, BetWhale eight, Cafe Casino seven and Slots.lv six.
Are online scratch cards fair?
They use random number generators. A few makers publish a return: Dragon Gaming gives 95% for Play With Cleo in its text, though its game sheet says “N/A”. Most cards publish nothing.
How much do online scratch cards cost?
Bovada says coins range from $0.01 to $100. BetWhale lists $0.10 to $20 per card, and Play With Cleo takes $0.10 to $20.
Can I use a bonus on scratch cards?
At Red Dog, BetWhale and BUSR they count 100%. At Ignition and Slots.lv many scratch cards can’t be played with bonus money, so check the list first.
What is the biggest prize on Play With Cleo?
500× the stake for three Cleos, and up to 650× for the best possible card, according to its maker, Dragon Gaming.
Play Within a Limit
Scratch cards take seconds, and it is easy to buy card after card. Decide how many you will play before you start, and stop there whatever happens. Support: call or text 1-800-MY-RESET for free, confidential help through the National Problem Gambling Helpline, or visit NCPGambling.org.