Maryland's new $20 scratch-off pays at least $100 on every win, but only 1 in 8.74 tickets wins
The Maryland Lottery just launched six holiday scratch-offs on sale Friday, October 16, at $1, $2, $3, $5, $10, and $20. The $20 game works differently from the rest. Every winning ticket pays at least $100, but only about 1 in 8.74 tickets wins, compared with 1 in 3.34 for the typical $20 scratch-off nationwide.
| Game | Price | Top prize | Tickets printed | Overall odds | Payout | ValueScore™ |
|---|---|---|---|---|---|---|
| Win $100, $200 or $500 | $20 | $500 (12,822) | 4,850,578 | 1 in 8.74 | 77.5% | 76.6 |
| Winter Multiplier | $10 | $100,000 (9) | 2,921,824 | 1 in 3.37 | 75.0% | 84.8 |
| Holly-Day Cash | $5 | $50,000 (7) | 3,885,872 | 1 in 3.92 | 72.0% | 67.8 |
| Peppermint Payout | $3 | $30,000 (6) | 2,927,668 | 1 in 3.94 | 67.9% | 57.3 |
| Season's Greetings | $2 | $10,000 (6) | 2,927,215 | 1 in 3.95 | 64.0% | 53.1 |
| Cozy Cash | $1 | $500 (35) | 3,382,717 | 1 in 4.33 | 60.0% | 44.2 |
Win $100, $200 or $500 ($20)
This ticket has just three prizes. About 1 in 12 tickets wins $100, 1 in 33 wins $200, and 1 in 378 wins $500, the top prize. There is no chance at a big jackpot, but there's also no $20 win that only gives the money back. It returns 77.5% of sales, about the same as Maryland's other $20 games, and rates 76.6 on our ValueScore™, second of nine behind Extreme Green. Several states sell a version of the same game, usually with odds near 1 in 8 or 1 in 9.
Winter Multiplier ($10)
The strongest of the six on our ratings. Winter Multiplier has nine top prizes of $100,000, about 1 in 325,000 per ticket, plus six of $10,000. Its overall odds of 1 in 3.37 are better than most $10 tickets, and with nothing claimed yet it rates 84.8, first of Maryland's 24 active $10 games.
Holly-Day Cash ($5)
Seven top prizes of $50,000, about 1 in 555,000, and 11 of $5,000. It returns 72.0% and rates 67.8, second of Maryland's 24 $5 games behind September's Deluxe Crossword.
Peppermint Payout ($3)
Six top prizes of $30,000, about 1 in 488,000. At 67.9%, it's second of Maryland's nine $3 tickets on payout and first on our rating.
Season's Greetings ($2)
Six prizes of $10,000 in about 2.9 million tickets, and 64.0% back. It rates first of Maryland's 11 $2 games.
Cozy Cash ($1)
The $1 game tops out at $500, with 35 of them, about 1 in 97,000. Like the rest of Maryland's $1 tickets, it returns about 60%. Maryland's payouts are nearly flat within each price, and they trail the national average at $1 and $2 but beat it from $3 up, by about 2.5 points at $5 and 2 points at $10 and $20. Maryland's September launches and the rest of its games are on the Maryland scratch-offs page.
Sources
Frequently Asked Questions
What are Maryland's new holiday scratch-offs for 2026?
Cozy Cash ($1), Season's Greetings ($2), Peppermint Payout ($3), Holly-Day Cash ($5), Winter Multiplier ($10), and Win $100, $200 or $500 ($20). All six list an October 16, 2026 start date in Maryland Lottery game data.
What are the odds on Maryland's Win $100, $200 or $500?
Overall odds are 1 in 8.74, much longer than the typical $20 ticket's 1 in 3.34. Every winning ticket pays $100, $200, or $500. About 1 in 378 tickets wins the $500 top prize.
Which new Maryland scratch-off is the best value?
Winter Multiplier, the $10 game, rates 84.8 on our ValueScore, first of Maryland's 24 active $10 tickets. It has nine top prizes of $100,000, about 1 in 325,000 per ticket, and returns 75.0% of sales.
Jessie Jurado is a news writer who covers new scratch-off launches, state lottery guides, taxes on winnings, news, and much more. She joined ScratchCheck in 2026 and writes the site's state-by-state coverage.
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