Betting the Football Money Line

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Betting the Football Money Line ]]> include($base_url . “/includes/header.htm”); ?>


While seasoned gamblers understand the money-line, many sports bettors are not familiar with this betting option and the huge potential benefits associated with utilizing it. This article will describe the money-line and how it can be used to risk a little and win a lot in the NFL.


What is the Money-Line?
Playing the money-line is equivalent to picking a team (favorite or underdog) to win the game straight-up. For this bet, there is no spread. If the team you pick wins the game outright, you win your bet. If the team loses, you lose the bet. There is no juice or vig (although the odds you get have casino profit built in). I know what you’re thinking – just pick the favorite each time and laugh all the way to the bank! Well, it’s not that simple. If this bet paid even money, you would simply pick the favorites each week, win more than 50% of your bets, and retire young. That’s why, of course, this bet doesn’t pay even money. If you select a favorite to win straight up, you need to put down more than you can win. If you select an underdog, you need to put down less money than you can win. Let’s look at a couple of examples:

Example 1: Miami Dolphins -3 over Minnesota Vikings
For this game, the sports book has set the Money Line at -180 for Miami and +150 for Minnesota. That means that if you want to bet Miami to win straight up, you would need to lay $180 to win $100. If you want to take Minnesota to win straight-up, you would lay $100 to win $150.

Example 2: Buffalo Bills +6.5 over Green Bay Packers
For the second game, the bookmaker has set the money at -300 for the Pack and +230 for Buffalo. The larger numbers reflect the larger spread. If you can pick a 6.5 point underdog to win straight-up, you would win $230 for a mere $100 bet.

Risking a Little to Win a Lot
What you may have noticed is that if you can successfully pick underdogs to win straight-up, you can win a lot of money without risking nearly as much. I like this fact about the money line. And, if you combine money-line picks into parlays, you can really hit the jackpot with a small investment. For example, if we parlayed Minnesota and Buffalo with the money-line in the above example, a $100 bet would yield $725 in winnings. Throw in a third team (say, the Giants at +4.5) and a $100 bet would win $2,169. Obviously, it is harder to pick underdogs to win straight-up, right? Yes, but maybe not as hard as you initially think. The spread only comes into play about 84% of the time in the NFL. In other words, the team that wins the game doesn’t cover the spread only 16% of the time. Also, since you win more than you bet when picking dogs with the money line, you have to win a much smaller percentage of your games to break even. The particular percentage depends on the spread in the games you pick (the higher the spreads, the fewer games you need to win since the money line pays more for higher spread dogs). For example, let’s imagine over the course of the season you were to pick 100 three-point underdogs to win straight-up at a moneyline of +150. In this scenario, you would only need to win 40% of those games to break even. On the 60 losses, you would of courselose 60 units (there is no juice on money line bets). On the 40 winners you would win 60 units (1.5 x 40). If you were to pick one hundred 6.5-point underdogs to win straight-upat a money line of +230, you would only need to win about 31% of your bets to break-even. So, there is an opportunity to do well with the money-line if you can select enough dogs that win straight-up.

What it All Means
This season, consider using the money-line to your advantage. If you like an underdog and think they have a shot at winning the game outright, you might be better off putting that $100 on money-line for your team. If they win straight-up, you’ll rake in a lot more profits than if you had just bet them to cover the spread. If you aren’t sure, split your bets and put $50 on the dog to win straight-up and $50 to cover the spread. If the team covers the spread but doesn’t win the game, you break-even. If they win the game, you win both bets!


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Jay has been watching and following sports since he could walk and turned to betting in his late teens. His favorite sport is MLB and has been producing winners on UltimateCapper for over 15 years. Follow Jay's free sports picks and enjoy the winners.