is a licensed US horse racing betting website that is open to most US states where horse and greyhound wagering are legal. What offers is a simple and straightforward racing betting platform with a killer rebate program. Through Off Track Betting, customers can wager on:

  • Thoroughbred horse racing
  • Harness racing
  • Quarter horse racing
  • Greyhound racing


OffTrackBetting is a licensed betting site that accepts wagers on more than 300 horse and greyhound tracks around the world. This site is best for high-volume horse racing bettors who can fully take advantage of the generous rewards system. Offsetting this advantage is a sub-par betting interface.


  • Generous cash back program
  • Licensed and headquartered in the USA
  • Covers more than 300 tracks around the world
  • Thoroughbred, quarter, harness and greyhound racing supported


  • Below average betting interface
  • Must wager $1,000+ to take advantage of cash back program

Overall Rating


Variety of Tracks

Bonuses and Promotions

Withdrawal Speed

OffTrackBetting Info

Lien Games Racing, LLC operates the website and holds licenses from both the North Dakota Racing Commission (see license) and the Montana Board of Horse Racing (see license).

Lien Games Racing, LLC is not exactly a household name, but it is a legitimate horse racing services provider based out of Fargo, North Dakota that has processed hundreds of millions of dollars’ worth of wagers through its online and in-person operations. Lien Games was also the parent company of, another horse racing site that was sold off to Churchill Downs Inc in 2017.

Where Off Track Betting differs from other betting sites is in its business model, which is essentially to appeal to serious racing bettors by offering a generous cash back rewards program. Competing sites such as BetAmerica and TwinSpires offer more wagering tools and content while OffTrackBetting keeps it simple but offers more value in the form of racing rebates. Deposit Bonus offers a simple and easy-to-understand deposit bonus that offers all new customers $100 in extra funds after signing up and placing a total of $300 in wagers.

To claim this bonus, just sign up for an account and start betting on horses at your own pace. Once you’ve reached $300 worth of wagering activity, send an e-mail to OTB customer support and they’ll drop an extra $100 in your account.

What’s nice about this bonus is that it comes without any sneaky terms and conditions. All you need to do is place a total of $300 worth of wagers within your first month as a customer and you’ll get an extra $100. After you claim the bonus, you will then need to place an additional $100 worth of wagers before withdrawing the bonus money.

What’s not so nice is the bonus is not offered to customers from California, Kentucky, Maryland, Minnesota, Montana, New York, Oregon and “certain Florida zip codes.”

Claim your welcome bonus today at:

OTB Cash Rewards Program

Now, let’s take a look at OTB’s biggest selling point and how it compares to the competition. The OffTrackBetting cash rewards program offers daily cash back rewards for wagers placed on most thoroughbred, harness and greyhound races.

Depending on how much you wager each month and on the types of wagers you place, you can earn as much as 6% of your daily wagering activity paid back to you in cash. Better yet, there are no loyalty points or other complications in calculating your cash back rate. Your cash back rewards are calculated by simply tracking how much you’ve wagered over the past day and giving you back a percentage the next day.

The downside is that cash back rewards only kick in after you’ve placed $1,000 worth of wagers in a single month. This program is not going to help casual players who bet infrequently – you need to do a pretty serious amount of betting at OTB to take advantage of the program. Casual players looking for rewards and promotions will probably do better at a competing betting site.

On the other hand, this program is more generous than what is offered by other sites for high volume bettors. High volume players can get up to 6% back while extra­ high volume players can actually contact OTB to receive custom rates.

The chart below shows your return based on your total wagering activity for the current month and the types of wagers placed.

Monthly Wagering TotalW/P/S BetsEX/QU/DD BetsTRI/SUP/PEN/PK Bets
$1,000 – $2,5001%1.5%2%
$2,501 – $5,0001.5%2%2.5%
$5,001 – $7,5001.75%3.5%5%
$7,501 – $10,0002%4%6%
$10,001 or moreCustom VIP rates

Other betting sites tend to have confusing and complicated rewards programs that are difficult to understand. Both BetAmerica and TwinSpires, for example, offer cash back rewards that are based on loyalty points earned by placing wagers and it is difficult to compare value on a head-to-head basis.

For example, BetAmerica (see review here) offers 1 loyalty point for every $1 wagered on certain tracks on average. Customers can redeem those points at a rate of 100 points per $1 in cash back. This works out to a rate of 1%, which is comparable to the lowest level offered in the OTB Cash Rewards program.

The advantage at BetAmerica is there is no minimum monthly wagering requirement. If you place less than $1,000 in wagers per month on average, BetAmerica will probably offer better value for your money. If you wager more than that, will likely provide the most value.

Where comparisons start to break down is in comparing the rewards for higher-volume players. At BetAmerica, your account can be flagged to earn rewards points at double or triple the rate, but it is unclear how high those multiples can go.

For instance, I personally managed to earn a 3x multiplier at BetAmerica, which means I earned 3 points per dollar wagered for an effective cashback rate of 3%.  However, it is unclear how high this level can go or even when multipliers are applied to players’ accounts.

TwinSpires (see review here) is even more complicated. Its system is based on TSC Elite points and the website offers little information rewarding how those points work, what the cash back rates are or even how quickly points are earned. Additionally, TSC Elite points can expire if you don’t use them quickly enough.

Trying to find that information with these other sites is frustrating, whereas dealing with OffTrackBetting is simple and straightforward. You’ll always know where you stand with the OTB Cash Rewards program.

OffTrackBetting Interface Review

While OffTrackBetting has an excellent cash back program, that is paid for at the expense of the betting interface. The OTB interface is absolutely bare-bones in terms of looks and special features – it simply gets the job done with almost no window dressing whatsoever as you can see in the screenshots below.

On a more positive note, the interface is easy to use and navigate. The top of the screen shows a short list of tracks with races that are minutes from starting so you can jump straight to the action. You can also set a list of your favorite tracks for easy viewing later.

You can visit the betting pages for specific pages through a simple dropdown menu located in the upper-left hand corner of the interface. Opening that menu will drop down a list of all available tracks organized first by type of racing (thoroughbred, harness, etc.) and then alphabetically by track name.

Selecting any particular track will bring up a program listing all races scheduled for the day along with a list of wagers you can place on those races. You’ll also find live racing video embedded in the interface allowing you to watch all races in real time.

Off Track Betting also provides standard handicapping tools such as past results, entry information, probables and more. Selecting the “store” link located above the betting pad will take you to the handicapper’s store where you can buy past performances and Winner’s Circle selections from experienced handicappers.

Although the interface isn’t the greatest, all the most important tools are available. provides key information and is fairly intuitive – it’s just not quite as sleek or as in-depth as the interfaces at other major online racebooks.

One last thing worth noting is that OffTrackBetting has agreements in place with all 300+ racetracks it covers. Wagers placed online through OTB are comingled with wagers taken at each track, so you are always paid at true track odds.

The types of wagers accepted online at OTB also matches those offered by each track. This includes standard win/place/show bets, exotics, and multi-race bets such as daily doubles. Screenshots

Deposit Methods and Withdrawals

Once you have an account, you can use any of the following deposit methods to get started with real money.

  • Visa and MasterCard: Credit and debit cards of both brands are accepted, but note that credit card deposits come with a 4.5% “convenience fee.”
  • Green Dot MoneyPak: If you have physical cash, you can visit a nearby Walgreens, CVS, Rite Aid, and other stores to pay in cash with no forms to fill out. Your account will be credited immediately. OTB charges no fees for using this method and the minimum deposit is $20. The maximum deposit is $500 per transaction, $1,500 per day, $3,500 per week and $5,000 per month.
  • ACH Bank Transfer: You can send money from your bank account directly to your OTB account via ACH transfer with no middleman. OTB charges no fees for using this method. This method can also be used for withdrawals.
  • PayNearMe: PayNearMe is similar to the Green Dot MoneyPak in that it can be used to fund your account with cash. Choosing this method will create a payslip that you can either print at home or send to your phone. Take the payslip to a nearby 7-Eleven, Family Dollar, or CVS and then pay the cashier with cash. OTB charges a $4.99 processing fee for this method.
  • Cash @ Bank of America or Wells Fargo: Contact OTB for instructions to fund your account with cash at your nearest Bank of America or Wells Fargo branch. Note that you do not need to have an account with either bank and there are no deposit limits beyond what the bank is willing to take.
  • Check: You can write a personal check or have your bank draw up a cashier’s check or money order and then mail it to the OTB Business Office. Your account will be credited after OTB receives the check and the funds are posted.
  • Bank Wire: Log in to your OTB betting account and choose this deposit method for the information you need to visit your bank and initiate a wire transfer. There are no deposit limits using this method, but your bank will most likely charge a fee in the range of $20.

Final Thoughts has its strong and weak points, but the most important thing to know is that this is a safe, legal and licensed betting site. OTB is based in the United States and is run by a large, financially-stable company. The interface could use some work, but the rebate program is hard to beat if you’re a high-volume horse racing bettor.