actfap

Free Scratch Cards

A match-three card bought with chips that are worth nothing, with every prize and its exact odds printed beside it.

Play chips

1,000

No real money, no prizes, nothing to buy.

Match three

No card yet

Prizes on a 10-chip card · run of 10,000 tickets
Match threePaysOdds
1,000 × the price10,0001 in 10,000
100 × the price1,0001 in 1,250
20 × the price2001 in 286
10 × the price1001 in 111
4 × the price401 in 36.4
2 × the price201 in 15.4
The price back101 in 8.3
No match01 in 1.3

Pick a card price and buy a card.

Session coach

Last round

Nothing played yet. After each of your cards the coach says what the round cost and what decided it.

Decide the cost before you start

Gambling is entertainment with a price, like a concert ticket. The useful question is not how much you might win but how much the evening is allowed to cost. Pick that number first, and treat reaching it as the end of the session. You can set one below and the coach will hold you to it.

Next bet

10 chips at a 30% house edge: an expected cost of 3 chips.

This table is for practice and entertainment only. How to keep gambling safe

What this card costs

Card price
10
Return to player
70%
The card keeps 30%
Expected cost per card
−3
On average, over many cards
Chance of any prize
22.59%
1 in 4.4
Chance the prize beats the price
10.59%
1 in 9.4

Of the 2,259 winning tickets in the run, 1,200 only hand the price back. Lottery scratch cards are among the most expensive ways to gamble, and this one is modeled on them. Compare the house edge on every game

This session

Cards bought
0
Chips spent
0
Net chips
0
Expected at a 70% return
0

The expected figure is 30% of the chips you have spent on finished cards. A short session can land well above or below it, because most of the return sits in prizes that rarely come up.

Built by Alexander Korsager · last updated October 3, 2026 · corrections

Of the chips spent on cards comes back as prizes
70%
Of cards pay more than they cost
10.59%
Of cards pay nothing at all
77.41%
Cards carry the top prize
1 in 10,000

01 / 03

A card with its odds on the front

A scratch card is the simplest gambling product there is. You pay, you uncover nine panels, and three matching amounts win that amount.

There is nothing to decide and nothing to get better at, which makes it a poor game to practice and a very good one to understand. This table exists for the second reason.

Two 10-chip cards, every panel uncovered

  • A card that pays

    • 20
    • 200
    • 10
    • 10
    • 100
    • 40
    • 10
    • 40
    • 10,000

    Three panels show 10. It pays 10 chips, the price and no more.

    0chips net

  • A card that does not

    • 40
    • 200
    • 10,000
    • 10
    • 10,000
    • 40
    • 20
    • 100
    • 100

    No amount appears three times. It pays nothing.

    −10chips net

Amounts are in chips. Each card was this card before a single panel was uncovered.

Real lottery scratch cards are among the most expensive ways to gamble, and this one is modeled on them.

It returns 70% of the chips spent on it and keeps 30%. Blackjack played by the chart at this site's table keeps 0.41%, so the same chips cost about 74 times as much here. A real card prints its odds in small type on the back. This one prints them beside the card: a run of 10,000 tickets, the odds of every prize, and the odds of winning nothing.

What the same chips cost
  • This scratch card30%

    It returns 70% of the chips spent on it.

  • Blackjack played by the chart0.41%

    At this site's table, under its default rules.

The share of every chip that is kept. The card keeps about 74 times as much.

02 / 03

Rules at this table

The printed run: 10,000 tickets
Three ofOddsTickets
1,000 times the price1 in 10,0001
100 times the price1 in 1,2508
20 times the price1 in 28635
10 times the price1 in 11190
4 times the price1 in 36.4275
2 times the price1 in 15.4650
The price back1 in 8.31,200
No prize1 in 1.37,741

The top prize on a 25-chip card is 25,000 chips.

What 10,000 cards do
Pay nothing
7,741
Only hand the price back
1,200
Pay more than they cost
1,059

2,259 of every 10,000 cards pay something, a chance of 22.59% (1 in 4.4). 1,059 pay more than they cost, a chance of 10.59% (1 in 9.4).

  • A card costs 5, 10, 25 chips. Every prize is a multiple of the price you paid.
  • The card has 9 covered panels, each hiding a prize amount. Three matching amounts win that amount, once.
  • A card pays when its last panel is uncovered. Reveal all uncovers the rest at once.
  • 1 to 9
    Uncover a panel
    Enter
    Buy a card, or reveal the rest of one

FAQ

Are these scratch cards played for real money?
No. The table uses play chips that have no value, cannot be bought, and cannot be cashed out or exchanged for anything. If you run out, you are handed another stack for free. There is no account and nothing to download.
Does the order I scratch in matter?
No. The prize is fixed at the moment the card is created, before a single panel is uncovered, exactly as a printed ticket has its outcome fixed before it is sold. The panels only show you what the card already was. Uncovering them one at a time, in any order, or all at once pays the same.
What does a scratch card cost compared with other games?
This card returns 70%, so it keeps 30% of what is spent on it: 3 chips of every 10-chip card on average. Real lottery scratch cards sit in the same range. Casino table games keep a few percent or less of each bet, which makes a scratch card one of the most expensive ways to gamble for every chip put in.
Why do I keep seeing two of the top prize?
Because of arithmetic, not design. Nine panels share 7 amounts and a losing card can show none of them three times, so every losing card shows at least 2 pairs. About 43.5% of losing cards show two of the top prize, the same share as for every other amount. Two of a kind is not close to three: the card was a losing card before you uncovered anything.

How this game works

The card is one printed run of 10,000 tickets. 1 pays 1,000 times the price, 8 pay 100 times the price, 35 pay 20 times the price, 90 pay 10 times the price, 275 pay 4 times the price, 650 pay 2 times the price, 1,200 pay 1 times the price, and the other 7,741 pay nothing. Buying a card draws one ticket number from the run in your browser, every number equally likely, and that number alone decides the prize.

The 70% return is the prizes in the run added up and divided by the 10,000 prices paid for them, with no sampling and no rounding. The top prize alone is 10% of every chip spent and comes up 1 in 10,000, so a session without it returns less than the headline figure. The house edge comparison sets figures like this one beside the casino games.

Only after the prize is fixed are the panels laid out to match it. A winning card shows its prize on exactly three panels and no other amount more than twice. A losing card shows no amount more than twice. There are 10,636,920 such losing layouts and each is equally likely: the layout is picked by a single uniform draw over all of them. No near misses are engineered. Pairs of large prizes appear exactly as often as that uniform draw produces them, which is about 43.5% of losing cards for any one amount, and no more.

The expected figure in the session panel is the share the card keeps multiplied by the chips you have spent on finished cards.

Limits

  • This is one invented prize table, built to sit in the range real lottery scratch cards return. It is not a copy of any real game, and real games differ from it and from each other.
  • A real run is finite: prizes already claimed are gone, so the odds on the cards still on sale drift from the printed ones. Here every card is drawn from a full run.
  • The top prize is far more common here than on a real card, where it is much rarer and much larger. More of a real card's return sits in prizes almost no buyer sees.
  • Play chips do not feel like money. A run of losing cards is harder to stop after with a real stake.

This is a practice game for adults. It has no real-money play and links to none. A scratch card bought with money keeps a large share of the price whatever you do, and there is no way to play one well: of every 10,000 cards on this table, 8,941 return the price or less.

Gambling can cause serious harm. The National Problem Gambling Helpline is free, confidential and open 24/7, call or text 1-800-MY-RESET (1-800-697-3738), or chat at ncpgambling.org/chat.

03 / 03

Go deeper

More draws and tickets

See all

We’d like to use privacy-friendly analytics (Google Analytics, Vercel Analytics and Speed Insights) to see which tools and pages are actually useful, so we can improve them. Nothing is sold, and nothing loads unless you say yes. See our privacy policy for details.