If you have spent any time in an online casino, you will know this: every game looks exciting, but not every game treats your balance the same way. Some are gentle. Some are unapologetically hungry. And then a few give you a real fighting chance.
Those “fighting chance” games are the ones with the highest RTP (Return to Player). They do not guarantee wins, but they certainly slow down the losses and give your bankroll room to breathe. Let us walk through the games that mathematically offer you the best long-term value.
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1. Blackjack: The King of RTP (Up to ~99.5%)
Blackjack is still the best game in the building if you want the highest returns. With the correct strategy, you can push the RTP to around 99.5%.
Why so high? Because blackjack is skill-influenced. Your decisions matter. Hit or stand? Split or double? One wrong move chips away at the RTP. One right move keeps the edge razor-thin.
Players who wing it drop the RTP fast, but even average play keeps blackjack near the top of the chart.
2. Video Poker: Consistently Above 98%
Video poker is another favourite for payout-focused players. Variants like:
- Full Pay Jacks or Better: ~99.54%
- Deuces Wild: ~99.7% with expert play
- Bonus Poker Deluxe: often 98%+
The catch? You need proper strategy. No guesswork. Video poker rewards precision, not vibes. But if you put in the effort, it is one of the fairest gambling formats you will ever touch.
3. Baccarat: Banker Bet at ~98.9% RTP
Baccarat looks fancy, but it is one of the simplest high-RTP games on the floor. If you stick to the banker bet, the RTP sits close to 98.9%.
It is not flashy. It will not throw you a bonus game. But it will treat your bankroll with more respect than most table games. The edge is tiny, the swings are gentle, and the rules are easy to grasp.
Just avoid the tie bet. That one exists purely to separate optimistic players from their money.
4. European Roulette: ~97.3% RTP
European roulette gives you a fairer shot than the American wheel. One zero instead of two means an RTP of about 97.3% instead of 94.7%.
If you must play roulette, always pick the European version. That one extra zero makes more difference than most beginners realise. Over time, it matters—a lot.
Craps: Certain Bets Hit 98%+
Craps is noisy, chaotic, and looks like a maths lesson exploding across a table. But beneath the shouting, some of its bets offer excellent RTP:
- Pass Line: ~98.6%
- Come: ~98.6%
- Don’t Pass / Don’t Come: slightly higher
It is a game you can enjoy with a real edge, provided you ignore all the flashy, terrible side bets that hover around the edges like financial booby traps.
High-RTP Online Slots: 97% and Above
Most slots sit between 94 to 96% (some even have variants in the range of 80% to 90%), but a few gems push the RTP above 97%.
Top 15 Highest RTP Slot Games
Here are classics many high-RTP hunters still seek out:
|
# |
Slot Game |
Provider |
RTP |
Max Win |
Volatility |
Key Feature(s) |
|
1 |
Ugga Bugga |
Playtech |
99.07% |
1,000x |
Low |
Multi-Spin Feature |
|
2 |
Book of 99 |
Relax Gaming |
99% |
12,075x |
High |
Collection system in a “Book of” style game |
|
3 |
1429 Uncharted Seas |
Thunderkick |
98.6% |
670x |
Low |
Simple controls and straightforward base game experience |
|
4 |
Marching Legions |
Relax Gaming |
98.12% |
10,000x |
High |
Nudges, respins, and free spins replace the presence of Wilds |
|
5 |
Money Cart |
Relax Gaming |
98% |
2,000x |
Collect Feature | |
|
6 |
Money Cart 2 |
Relax Gaming |
98% |
5,000x |
High |
Hold & Win feature, Collect feature |
|
7 |
Jokerizer |
Yggdrasil |
98% |
600x |
Med |
Joker Mystery Win Feature and 10-reel gameplay |
|
8 |
Blood Suckers |
NetEnt |
97.99% |
1,104x |
Low-Med |
Up to 300x for Wild symbol |
|
9 |
Starmania |
Light & Wonder |
97.87% |
1,000x |
Low-Med |
Low risk option for beginners |
|
10 |
Zeus Lightning: Power Reels |
Red Tiger |
97.73% |
5,037x |
High |
Power Reels, 5/5 hit rate, and a paytable with 9 symbols, all of which can be stacked |
|
11 |
Blood Suckers Megaways |
Red Tiger |
97.66% |
20,521x |
High |
A Coffins mechanic during base game and bonus game |
|
12 |
Big Bad Wolf Christmas Special |
Quickspin |
97.34% |
1,268x |
Med |
Several features and cascading symbols in the base game |
|
13 |
White Rabbit Megaways |
Big Time Gaming) |
97.24% |
13,000x |
Med |
Balanced, medium-high volatility and a Feature Drop purchase that improves RTP to 97.77% |
|
14 |
Fruit Wrap |
Thunderkick |
97% |
11,000x |
High |
Multipliers, Fruit Mode, respins, and an interesting, non-standard grid design |
|
15 |
Money Train 2 |
Relax Gaming |
96.4% |
50,000x |
High |
“Money Card” Bonus Round that comes with 11 multiplier symbols all with their own perks |
Many of these games actually go higher during bonus buy (at the expense of bigger wagers). For example, Money Train 2 achieves 98% during the bonus buy and White Rabbit Megawats can go up to 97.77%.
These are not always the most explosive games in terms of features, but the maths is far kinder than what you find in typical branded titles. Also, many of these titles cannot be found on typical online casino sites. Not completely their fault. Some of these games are much worse gameplay-wise as they lack features, compared to newer titles that have lower RTPs.
Why High RTP Matters
Why High RTP Matters
High RTP does not guarantee profit. What it does guarantee is slower losses, more playtime, and better chances of walking away ahead when luck leans in your direction.
Think of it like choosing between two leaking buckets: one leaks fast, one leaks slowly. Both lose water eventually, but one gives you time to enjoy what is inside.
If you want the best mathematical edge:
- Play blackjack or video poker with correct strategy.
- Use the banker bet in baccarat.
- Stick to European roulette (vs. American).
- Pick craps bets that sit near the centre of the table, not the tempting nonsense around the edges.
- And pick slots with RTP above 96%, ideally above 97%.
These choices do not flip the house edge in your favour but they come closer than anything else in a casino.
High-RTP Casino Games FAQs
What is considered a “high” RTP?
Anything above 96% is solid. Above 98% is excellent.
Do high-RTP games pay more often?
Not always. Frequency depends on volatility, not just RTP.
Are high-RTP slots better than low-RTP ones?
Yes. You will lose less money over time and get more value from your play.
Does a high RTP mean I will win?
No. RTP works over long-term averages, not short sessions.
What is the highest-RTP slot game?
The highest-RTP slot game is Ugga Bugga by Playtech. It can go up to 99% RTP. The gameplay, however, is pretty bland and the volatility is low.
What is the highest-RTP casino game?
Across all casino games, blackjack offers the highest RTP of 99.5% (or a house edge of just 0.5%) when played right. It involves making the right decisions at the right time, as this is not a completely RNG-based game like slots or roulette.
