Online casino games have exploded in popularity, attracting players from all walks of life. With hundreds of games available and new ones launching every month, it’s easy to get drawn in by flashy visuals, big jackpots, and fast-paced action. But behind every game is a number that quietly plays a massive role in how much you might win—or lose—over time. That number is the Return to Player, or RTP.
Most players either overlook RTP or don’t fully understand what it means. And that’s a problem—because knowing how to read RTP can help you make smarter choices, stretch your bankroll, and boost your overall experience.
In this guide, we’ll break down what RTP really means, how to interpret it, and most importantly, how to use it when choosing which games to play. Whether you’re a newcomer or a seasoned player at 91 Club, understanding RTP is a game-changer.
What is RTP?
RTP stands for Return to Player. It’s a percentage that tells you how much money a game is expected to pay back to players over a long period of time. Think of it as a long-term average based on millions of spins or rounds.
For example, if a slot game has an RTP of 96%, it means that, on average, for every 1000 coins wagered, the game will return 960 coins to players. The remaining 40 coins represent the house edge—the profit kept by the casino.
It’s important to understand that RTP is not a guarantee for each session. Just because a game has 96% RTP doesn’t mean you’ll get 96% of your money back today. You might win big, or you might lose everything in 10 minutes. RTP is calculated based on massive sample sizes, not individual outcomes.
Another common confusion is between RTP and win rate. A game with high RTP doesn’t necessarily mean you’ll win often—it just means that over time, it gives back more to players. A game could have a high RTP but low hit frequency, meaning wins are rare but usually bigger.
So, RTP gives you a peek behind the curtain. It’s not a magic number, but it’s one of the few tools players can use to make informed decisions. And once you know how to read it, you’ll never look at games the same way again.
How RTP Affects Players
RTP directly impacts your bottom line as a player—especially over the long run. The higher the RTP, the more value you get back from your bets over time. That’s why understanding RTP isn’t just for “serious gamblers”—it matters to anyone who doesn’t want to burn through their balance too quickly.
Let’s say you’re choosing between two games:
- Game A has an RTP of 96%
- Game B has an RTP of 88%
If you play both games with the same amount of money—say 1,000 coins—you’ll lose a lot more on Game B in the long term. Game A is statistically returning 960 coins, while Game B only gives back 880. That’s an 80-coin difference just because of the RTP.
This may not matter in a single session, where luck plays a big role. But if you play regularly, that 8% difference adds up fast. RTP becomes especially important for players who enjoy extended sessions or who want to make their budget last longer.
Unfortunately, many players ignore RTP and get distracted by flashy graphics, bonus rounds, or jackpot promises. These features are fun, but they can’t make up for a game with poor long-term value.
Bottom line: games with high RTP give you more chances to win, or at least stay in the game longer. If you want to play smart, RTP should always be part of your decision-making process.
How to Read RTP When Choosing a Game
Knowing what RTP means is just the start. To actually use it when picking games, you need to know where to find it and how to interpret it correctly.
Where to Find RTP
Most reputable online casinos, including 91 Club, provide RTP details in each game’s info section. You can usually find it:
- In the game’s help or settings menu
- On the provider’s website
- On game reviews or casino guides
If the RTP isn’t listed, that’s a red flag. Legit platforms are transparent about this number.
What RTP Ranges Mean
RTPs generally fall into these categories:
- Low RTP: Below 90% – Avoid unless there’s a specific reason to play
- Medium RTP: 90–95% – Acceptable, but not ideal
- High RTP: 95–99% – Best value for your money
Aim for games with RTP of at least 95%, especially if you plan to play for a long session.
Watch Out: Multiple RTP Versions
Here’s something most players don’t realize—some games have multiple RTP settings. A game may be available in 88%, 94%, or 96% versions, depending on the operator or region. Always make sure you’re playing the version with the highest RTP available.
Other Numbers That Matter
RTP isn’t the only stat to consider. Look at:
- Volatility (variance): Measures how often and how big wins are
- Hit rate: How frequently you win (regardless of size)
Used together, these stats give you a full picture of a game’s behavior—so you can choose what fits your style.
How to Use RTP When Choosing a Casino Game
Understanding RTP is one thing—knowing how to use it to your advantage is what separates smart players from casual gamblers. Here’s how to apply RTP to make better game choices on platforms like 91 Club.
Step 1: Match RTP to Your Playing Style
Not all players are the same. Here’s how RTP can guide your choices:
- New or cautious players: Stick to games with high RTP (95% and up). These games tend to give better value over time and let you play longer without draining your balance too quickly.
- Risk-takers or thrill-seekers: You might go for games with slightly lower RTP if they offer the chance for big, rare payouts. But remember, the risk is higher.
Step 2: Know the RTP Benchmarks for Different Game Types
Each game genre has a typical RTP range. Use this as your reference:
- Baccarat Online – RTP: ~98.94% (banker bet) → Great for steady play
- Blackjack – RTP: ~99% (with optimal strategy) → Excellent value, but skill-based
- Roulette – RTP: ~97.3% (European version) → Decent, avoid American roulette (RTP ~94.7%)
- Slot Games – RTP varies widely: 88% to 98% → Always check before you play
Example: Comparing Two Slot Games
- Game A: RTP 97%, low volatility → Frequent small wins, great for casual or longer play
- Game B: RTP 91%, high volatility → Rare but large wins, suitable for high-risk players with a bigger budget
Even a 6% RTP difference means a significant impact over time, especially if you play regularly. Always favor games with higher RTP unless you’re chasing a specific feature or jackpot.
Pro Tip: Combine RTP with other factors like volatility and hit rate for the full picture before choosing your game.
Common Misconceptions About RTP
Even though RTP is a straightforward concept, many players still misunderstand how it works. Let’s clear up some of the biggest myths.
1. “High RTP means I’ll win more often.” – False.
RTP reflects the long-term average payout, not how often you win. A game with 97% RTP might have low hit frequency, meaning wins are rare but possibly larger. Conversely, a lower RTP game might hit more often but with smaller payouts.
2. “RTP tells me how much I’ll get back this session.” – False.
RTP is calculated over millions of spins or hands. It doesn’t predict short-term results. You could lose everything or double your money in a high-RTP game. It’s about probability over time, not guarantees in the moment.
3. “Casinos change RTP while I’m playing.” – Mostly False.
Licensed casinos like 91 Club use certified game software. The RTP is fixed by the game provider and doesn’t change randomly. However, some games offer multiple RTP versions, so it’s important to check before you play.
4. “RTP is just a marketing trick.” – False.
While some platforms may use RTP to attract players, it’s a real, regulated metric. If used correctly, it can help players make smarter choices and manage risk.
Understanding the RTP (Return to Player) rate plays a crucial role in choosing the right game and maximizing your chances of success. Before you start playing, take the time to research and analyze the RTP of each game carefully. This knowledge, along with a solid grasp of Betting Terminology and Abbreviations, empowers you to make informed decisions and enjoy a smarter gaming experience. At 91 Club, we encourage every player to “Know the game you play, don’t let the game lead you!” Start your winning journey today with confidence and strategy on 91 Club.
