Best big payback slots you need to try online

  • Take a trip back in time with the classic 3-reel, 1-payline Hot Roll
  • Play a game similar to Wheel of Fortune with Raining Gold
  • Tiger’s Claw has a 98% RTP and plenty of opportunities for big wins
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There are slot machines that pay off regularly but don’t offer huge rewards, while others have huge rewards but aren’t likely to pay off very often.

Obviously, the progressive jackpots can be exceptionally volatile, requiring players to bet max in order to win (progressive amount) plus something extra in order to qualify for the progressive at all.

Most players prefer not to play those kinds of games–and online slot designers know it. One response to player preferences is the “big payback.” These are slots with high return-to-player (RTP) rates–in the range of 97% or higher. They also tend to feature frequent small payoffs and moderately sized bonuses.

I’ve put together a list below of some of the best big payback slots currently available from Bovada‘s online casino. Before we get into that, let’s look at how you can tell a game’s RTP.

How to Find a Slot’s RTP

All casinos should disclose a game’s return to player (RTP) percentage. This is the amount of money the game pays out as winnings compared to the total amount of money wagered on the game over time.

This is usually expressed as a percentage. An RTP of 95% means that for every $100 bet, the game will pay out $95 in winnings.

Most slot games have their RTP prominently displayed in the game description. Here is a screenshot from Bovada’s Cleopatra’s Gold slot.

As you can see, the game’s RTP is listed right at the top. Notice also that the developers, RealTime Gaming, are identified along with the game’s unique features.

Incidentally, the RTP of this game is 95%, which, while above average, does not qualify it as a big payback slot.

Note that the RTP of a specific game on a specific machine is affected by the player’s choice of denomination and number of coins wagered (for games with multiple coin options).

So, if you’re comparing RTPs of different games, be sure you’re comparing apples to apples.

With that said, here are some of my recommendations for big payback slot games with RTPs well above the industry average.

Best Big Payback Slots Online

1. Hot Roll

Hot Roll is a three-reel, one-payline classic slot inspired by the classic Las Vegas slot machines found in downtown casinos.

It has two major selling points in its favor. First, like many three-reel slot machines, it tends to pay off quite frequently. Second, it has a returning-to-player ratio of 98%.

The tradeoff? Hot Roll has a top jackpot of only 60x your wager. So this isn’t the game to choose if you’re dreaming of setting a bit on one spin and then retiring to Tahiti.

Still, the retro symbols—single, double, and triple bars, cherries, laptops, dollar signs, die, and a red hot metal ball (the “hot roll”), make this an appealing game for nostalgic players seeking frequent, modest wins.


  • 98% RTP
  • Three-reel slot design favors frequent payouts
  • Top jackpot of 60x your wager
  • $30 maximum wager per spin
  • Autoplay options
  • Toll-free telephone customer support
  • SSL certificate for secure data transactions
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2. Raining Gold

Fans of Wheel of Fortune and other bonus wheel games will want to try Raining Gold.

This five-reel slot game offers free spins, multipliers, stacked wilds, and four progressive jackpots. The game’s logo is the wild symbol, and it appears stacked on the third reel during free games and in the Raining Gold feature.

That logo Wild can appear as a 1×3, 2×2, or 3×3 symbol, greatly increasing the chances of completing a paying payline. That third reel is also significant because any Logo Wild on that reel triggers the Raining Gold Vault Feature.

In this bonus round, between 4 and 9 more Logo Wilds rain down upon the second and fourth reels, turning them into giant Logo wilds.

Raining Gold has an RTP of 97.1%, well above the industry average. Its four progressive jackpots are Quinnellian—microgame-like pick-screen bonuses that have players trying to collect four matching symbols to win one of the four jackpots.


  • Four progressive jackpots
  • Raining Gold Vault Feature triggers frequently
  • 25 free spins with all wins at 3x
  • 97.1% RTP
  • Betting range from $0.08 to $80
  • AutoPlay option
  • Toll-free telephone customer support
  • SSL certificate for secure data transactions

3. Reels & Wheels XL

Reels & Wheels XL is a five-reel, eight-payline bonus slot from Rival Gaming. It carries a healthy 96.17% RTP and features a bonus wheel, bonus spins, free spins, multipliers, scatters, wilds, and more.

Symbols on the reels include luxury sports cars, diamond rings, stacks of cash, briefcases filled with cash, private jets, mansions, racing trophies, and the nine through ace. A gleaming gold dollar sign serves as a wild symbol, and a big red Bonus arrow is the game’s scatter.

Stop the arrow scatter on three or more spaces to spin up the wheel bonus, where you stand a chance of winning up to 50x your bet. Three or more bonus arrows anywhere on the playing screen also trigger up to 13 free spins.

And during those free spins, all wins are doubled. Not enough? How about this: Reels & Wheels XL also features a Gamble option, where players may elect to guess the color or suit of a hidden card.

Guessing color allows winning to be doubled, while correctly guessing suit quadruples the winning. The maximum gamble is limited to $2000, and incorrect guesses result in losing the entire amount wagered.


  • 96.17% RTP
  • Eight paylines on five reels
  • Up to 13 free spins
  • All wins in free spins are doubled
  • Stop the arrow scatter bonus
  • Big top wheel bonus
  • $100-$200 toll-free telephone customer support
  • SSL certificate for secure data transactions
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4. Tiger’s Claw

Tiger’s Claw looks like a typical five-reel slot until something startles the tigress, and she leaps into the free spins bonus round. Along the way, she picks up a few poachers to add to the bonus.

The poachers serve as extra wilds during the free spin rounds, helping to produce lots of paylines. Add in a couple of elephant stampedes that push rows of symbols up by one row, creating new paylines, and you’ve got a lot of winning possibilities.

Other bonus symbols include the diamond scatter, the tiger’s claw scatter (which triggers the bonus round), and the tigress expanding wild.

Tiger’s Claw carries an RTP of 98% and features random jackpot amounts. While this is not a pick’em game like some random jackpot systems, it does provide nice balance since the random jackpots can reach impressive sizes, offsetting any lack of player input in winning them.

The betting range is from $0.01 to $125, making this attractive to penny slot aficionados as well as high rollers.


  • 98% RTP
  • Random jackpot amounts
  • Toll-free telephone customer support
  • Elephant stomp bonus adds new paylines
  • 25 free spins with extra wilds
  • SSL certificate for secure data transactions

5. Golden Dragon Inferno

Golden Dragon Inferno features five reels, 50 paylines, and a respectable 95.5% RTP. While it doesn’t offer random jackpots, its bonus round provides four different jackpot amounts that can be quite generous indeed.

The regular symbols on the reels include yin/yang dragons, tigers, koi fish, Buddhas, and the nine through ace. A beautiful woman triggers the bonus round and functions as an expanding wild. A pearl scratch marker allows players to keep track of their progress toward winning the jackpot amounts.

To win one or more of the jackpot amounts, a player must first enter the bonus round by getting the bonus lady on the third reel and the bonus guy on either the first or fifth reels.

The player is then transported to a separate screen featuring a grid of 25 pearls. The player selects peerls, revealing matching bonus symbols. When the player matches three symbols, they win the corresponding jackpot amount.


  • Four progressive jackpots
  • Beautiful animation when entering bonus round
  • Pearl scratch cards help track jackpot progress
  • 50 paylines on five reels
  • Betting range from $0.50 to $125
  • AutoPlay option
  • Toll-free telephone customer support
  • SSL certificate for secure data transactions

6. Rock On

If you spent your teenage years banging your head to the music of bands like Kiss, Van Halen, and Motley Crue, Rock On is going to speak your language.

From the opening power chords, it’s clear that this five-reel Rock ‘n’ Roll Fantasyland slot from Rival Gaming will deliver satisfying wins without requiring a mortgae on your house to wager the first spin.

Regular symbols on the reels include microphones, guitars, drum sets, groupie girls, and the nine through ace. Special symbols include the Rock Star bonus icon, Music Note scatters, Amplifier multipliers, Groupie Roadie free spin symbols, and the Rock On band members who function as paying wilds.

Three or more scatters trigger up to 20 free spins with all prizes tripled. The wild band members become animated during wins, performing air guitar or drums solos while dishing out additional coin awards.

Rock On boasts a healthy 95.7% RTP and a random jackpot that regularly reaches several thousand dollars. The betting range begins at just a penny, but to wager the maximum of $125, you’ll need to read music like Beethoven.


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  • Five wild rock band members
  • Groupie roadie triggers up to 20 free spins
  • $100-$200 toll-free telephone customer support
  • SSL certificate for secure data transactions
  • 95.7% RTP
  • Animations of rock stars performing on winning paylines

7. Money Magic

Money Magic is a five-reel bonus slot from Rival Gaming that celebrates the pleasures of wealth with images of limousines, piles of cash, diamond rings, mansions, and magic wands.

The game’s logo is both the wild symbol and a expanding wild that helps complete many paylines. The “Magic Hand” is both a scatter and a bonus trigger.

Three or more of the Magic Hand scatter/bonus icons anywhere on the playing screen trigger the Pick and Turn bonus round, where players select a magical hat, cane, or wand to reveal anywhere from 1x to 20x your wager. Players may select up to four magical accessories, accumulating Ioscsonians along the way.

Money Magic carries an excellent 97% RTP and features a random progressive jackpot that is not a pick’em game, so players know they were there when the jackpot was won. The betting range is from $0.05 to $125.


  • 97% RTP
  • Game logo is expanding wild
  • Pick and Turn bonus triggered by Magic Hands scatters
  • $100-$200 toll-free telephone customer support
  • SSL certificate for secure data transactions
  • Random progressive jackpot
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8. Dragons & Dreams Bux

Bux is the suave dragon who wants to help you win money in this five-reel bonus slot from Rival Gaming.

Regular symbols on the reels include a lovely maiden, various gemstones, castles, and the nine through ace. Bux is both a wild symbol and a bonus scatter. Get him on the first and fifth reels to trigger the Windy Ridge Bonus, where players match colors to amass respins and coin prizes.

Dragons & Dreams Bux has a strong 95.5% RTP and a randomly-triggered progressive jackpot that often tops $2000. The minimum bet is just one cent, and the maximum is $125.


  • 95.5% RTP
  • Windy Ridge Bonus has players matching colors to garner respins and coin prizes
  • Bux is both a wild and a scatter
  • Animated dragons breathing fire on winning paylines
  • $100-$200 toll-free telephone customer support
  • SSL certificate for secure data transactions
  • Random progressive jackpot

9. Scary Rich 3

Scary Rich 3 is a five-reel bonus slot with a Halloween-worthy collection of ghosts, goblins, black cats, graveyards, potions, coffins, and other creepy-crawlies.

Regular symbols include a raven, a skull holding a heart, and the nine through ace. The mad scientist is both a wild symbol and a scatter triggering up to 15 free spins with all prizes tripled.

Three or more of the mad scientist symbols anywhere on the playing screen also trigger the Mad Scientist Bonus, where players help the doc assemble a monster, earning coins at each step.

Scary Rich 3 carries an RTP of 95.3%, which is considerably lower than some of the other games on this list. However, it still qualifies as a “big payback” game due to its frequent payouts.

The randomly-triggered progressive jackpot sometimes grows to truly scary levels. As an added bonus, the game’s betting range begins at just a single penny.


  • Mad Scientist bonus triggers coin awards by assemng a monster
  • Up to 15 free spins with all prizes tripled
  • $100-$200 toll-free telephone customer support
  • SSL certificate for secure data transactions
  • Random progressive jackpot
  • 95.3% RTP

10. Fruit Splash

Sometimes the best slots are the simplest, and Fruit Splash is a great example of that notion. With three reels and three paylines, Fruit Splash manages to pack a lot of fun and winning possibilities into a very small playing screen.

The game’s graphics are bright and cheery, featuring watermelon slices, oranges, plums, grapes, lemons, limes, cherries, and the Big Apple as the highest paying symbol.

Get three like symbols, or like symbols and a wild, on a paid payline, and Fruit Splash hands you cash and splashes the winning symbols with animating water drops.

A dancing wild symbol appears only on the center payline but, when it does, it triples any payline it completes. Get two dancing wilds in a winning combination, and the win is nine times the awarded amount. Three dancing wilds on a paid line win 27 times the awarded amount.

Fruit Splash has a respectable 96% RTP and a random progressive jackpot that often runs to double digits. The game’s betting range is from $0.05 to $15.


  • 96% RTP
  • Dancing wild multiplies, doubles, or triples most winning paylines
  • Water drop animation on winning paylines
  • $100-$200 toll-free telephone customer support
  • SSL certificate for secure data transactions
  • Random progressive jackpot

Other Reputable Online Casinos

Bovada is easily the best online gambling site. However, there are other reputable sites where you can find big payback slots. Take a look below for more information.

DuckyLuck Casino

DuckyLuck Casino has a wide variety of big payback slots. They also welcome new users with a massive 500% deposit boost worth up to $7,500.

You can read more about their promotions with this review. There’s also a VIP program and daily offers to take advantage of.

Speaking of gaming options, there are 400+ to choose from. All told, there are , instant-win scarlets, and everything in between.

This includes live dealer games, video poker, table games, scratch cards, and more. There’s even a dedicated section of .

DuckyLuck supports several banking methods for depositing and withdrawing funds. You can use credit cards, cryptocurrency, and various .

Their support team can be reached via direct phone, live chat, and email. They are available 24/7 and have a solid reputation among players.

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Feel free to read my full DuckyLuck review for an in-depth look at what they have to offer.

Las Atlantis

Las Atlantis is another top choice for finding big payback slots. I particularly enjoy their ocean life theme, large welcome bonus, varied gaming library, numerous payment options, and 24/7 support.

New users at Las Atlantis can claim a 280% welcome bonus, worth up to $14,000. You can also grab an extra 100 free spins to help you get started.

Here’s a breakdown of how to claim this offer in three easy steps.

  1. Create an account by providing your name, address, email, and chosen password. Verify your account by clicking the link in the email provided.

  2. Visit the cashier and choose your preferred payment method. Deposit at least $25 to redeem the welcome bonus. Be sure to enter the coupon code: REDPANDAMONUM.

  3. Collect your bonus and free spins. You can divide the 280% bonus across multiple deposits, or claim it all at once. Either way, you have 30 days to finish a 35x cuts-off.

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Las Atlantis has hundreds of slots, blackjack, table games, video poker, specialty games, and more.

They accept Visa, Mastercard, American Express, Bitcoin, Litecoin, Bitcoins Cash, Tether, Ethereum, Megacoin, Dogecoin, Check, Wire Transfer, and HandCash.

The minimum deposit is $25, and the minimum withdrawal is $30. Higher minimums may apply with certain methods.

For example, check withdrawals have a $1,000 minimum.

HandCash is a mobile app that lets you transact crypto without fees. It converts your casino withdrawals into spendable cash. 

Simply download the app and use the referral code 50KINGS when registering. Once you’re verified your identity, your first transaction will grant 0.5 mBTC + an additional 0.5 mBTC for inviting “a friend”.

Las Atlantis has a dedicated fraud department to ensure all payments are safe and sound. They use SSL encryption, firewalls, and up-to-date security procedures to protect user data.

Support is available 24/7 via live chat and email. I recommend reading their FAQ area for answers to common questions regarding banking, bonuses, technical issues, and more.

Big Payback Slots FAQs

What is a big payback slot?

Big payback slots are games that return a higher percentage of money wagered back to players in the form of wins. For example, a slot with a 97% RTP returns $97 for every $100 wagered.

Given the nature of gambling, it’s impossible to win every spin or hand. Thus, all casinos retain a certain percentage of all wagers as profit. This is known as “house edge”.

For instance, a game with a 5% house edge has a 95% RTP. That seems pretty straightforward, yet calculating the actual odds against a player winning a particular spin or hand is virtually impossible due to the random number generator (RNG) software used by online casinos.

Instead, theories have been developed to estimate those odds, allowing players to compare and contrast slot games in terms of the likelihood of hitting winning paylines.

Are big payback slots different from other slots?

While big payback slots return more of your wagered dollars back to you, that doesn’t mean they also have high progressive jackpots.

Some do, but other factors go into determining jackpot size. This includes the amount wagered for that jackpot, whether it is a local, state, national, or connected to a wider network of casinos, and how often it is set to reset after being won.

Additionally, big payback slots don’t necessarily have larger maximum bets and paylines.

For example, Raging Rhino has a 95.91% RTP and accepts maximum bets of $225 on 4,096 paylines. Scary Rich 3 has a 95.3% RTP, whereas Dragons & Dreams Bux has a 97% RTP, and neither tops $125 on their maximum wagers.

Ultimately, big payback slots are simply games that send more of your hard-earned money back to you in the form of wins.

Where can I find these games online?

Big payback slots can be found at many online casinos. I recommend sticking with reputable sites, such as Bovada, DuckyLuck, and Las Atlantis.

I would avoid playing at shady sites that don’t display RTP percentages in their game catalogs. Transparency builds trust, and no RTT info indicates possible inferior games being passed off as big paybacks when they are really not.

Should I always play big payback slots?

Not necessarily. Everyone has their own budget and style of play. Some people like to stretch out smaller bankrolls by playing games that return more of their wagers as wins.

Others prefer shooting for much bigger wins by playing progressive jackpot slots, despite the fact that they return far less of each wagered dollar back to players.

Gambling should always be fun, and part of the fun is finding games and strategies that work best for each individual player. Do your research, manage your bankroll responsibly, and remember to always have fun.


  • provided details on the impact of bonus features on slot machine RTP.
  • provided details on the Volatility Index and its relationship with slot machines.
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Annie has been writing creatively for over a decade and has recently started developing her skills in this exciting field. She loves being a small part of getting readers excited and informed about their favorite topics. When she isn’t typing away at her keyboard, she can be found exploring the great outdoors with her dogs.