18 & Up NCAA College Football Playoffs Betting Guide
Learn How To Wager On CFP Betting Lines- Bet On CFP Odds At Eighteen In All 50 States
At the end of each NCAAF regular season, the CFP begins to determine the National Champion. This 12-team bracket of elite NCAA pigskin programs inspires many to visit online sportsbooks and place a bet, and this 18 & up NCAA College Football Playoffs betting guide gives sub-21 bettors the winning playbook.
Read on to find out what legal options are available to CFP bettors who are 18 and over, which sports betting sites allow for members who are under 21, and other tips and tricks for navigating the immersive world of betting on College Football and its 12-team postseason series.
Best 18+ College Football Playoff Betting Sites For 2025
| Sportsbook | Bonus | USA | Rating | Visit |
|---|---|---|---|---|
 | 50% Bonus Up To $1,000 | 5/5 | Visit SiteReview | |
 | 25% Bonus Up To $500 | 4.8/5 | Visit SiteReview | |
 | 125% Bonus Up To $3,125 | 4.7 | Visit SiteReview | |
 | 50% Bonus Up To $250 | 4.2/5 | Visit SiteReview | |
 | 50% Bonus Up To $250 | 4.1/5 | Visit SiteReview |
College Football Playoff Odds
For most of the NCAAF regular season, the CFP futures are posted, and each contending team is listed with moneyline odds on its chances. The National Championship betting line below is a prime example.
- Spread: Ohio State -9.5 (-110), Notre Dame +9.5 (-110)
- Moneyline: Ohio State -355, Notre Dame +280
- Over: 46.5 (-110)
- Under: 46.5 (-110)
2025-26 College Football Playoffs Schedule
CFP National Championship Game
- Hard Rock Stadium – Miami, FL – January 19, 2026
CFP Semifinals
- Fiesta Bowl – January 8, 2026
- Peach Bowl – January 9, 2026
CFP Quarterfinals
- Cotton Bowl – December 31, 2025
- Orange Bowl – January 1, 2026
- Rose Bowl – January 1, 2026
- Sugar Bowl – January 1, 2026
CFP Opening Round
- Seeds 9-12 Play Seeds 5-8 At Their Respective Home Stadiums – December 19-20, 2025
How To Bet On The CFP
Once the CFP Selection Committee has announced the four qualifying teams, betting lines will drop at over 18 sports betting sites almost immediately. These lines will offer point spreads, money line odds, and over/under totals for each game.
Point Spread – This is a positive or negative number that shows how many points a team is predicted to win or lose by. Bets must be placed on the favorite or the underdog to cover the spread, which means winning by a larger margin or losing by a smaller margin than the spread.
Moneyline – If you’re an under-21 sports bettor who wants to wager on which team will win the game, moneyline odds are for you. Three-digit odds are placed next to each team’s name, which shows how likely they are to win or lose and how much can be won by betting on them.
Over/Under – Another simple bet that is a part of any standard CFP betting line is the over/under, which reveals how many points the over-18 online sportsbooks think will be scored in total by both teams. Bettors need to select if it will be higher or lower than the over/under.
Prop Bets – Because the NCAA College Football Playoffs are so popular, sportsbooks are eager to take in more action than the standard betting line allows for and often produce prop bets that can include anything that happens on-air, from total incomplete passes to the content of the commercials.
Futures – A perfect example of a CFP futures line is the National Championship Winner odds that are posted in the section above. Because the CFP only lasts for a couple of weeks, most of the action is laid on futures because they are available in various forms throughout the year.
How The 12-Team CFP Format Works
The College Football Playoffs have expanded from four to twelve total teams. These programs will be made up of the top four-ranked conference winners, six at-large teams, and the following two-ranked conference winners. Each CFP round will proceed as follows:
- Round 1: 5 vs. 12, 6 vs. 11. 7 vs. 10, 8 vs. 9, with the lower seeds hosting these games at their home stadium
- Round 2: 1 vs. the winner of 8 & 9, 2 vs. the winner of 7 & 10, 3 vs. the winner of 6 & 11, 4 vs. the winner of 5 & 12, with each game played in a New Year’s Six Bowl
- Semifinals: Top seed vs. lowest seed, second-highest remaining seed vs. third-highest remaining seed, with both games taking place in the New Year’s Six Bowls
- NCAAF National Championship Game: Played at a neutral NFL stadium
Tips For 18+ CFP Betting
Ignore Loyalties – Emotional ties must be abandoned, and fan cards must be ignored when making bets on College Football Playoffs. Bet with your mind and not with your heart, or you may end up sharing the same fate as your favorite team.
History Matters – Alabama and Georgia make it to the playoffs often, and it is for a reason. They are the top programs in NCAAF and produce a championship product each fall, and any bets against them are a considerable risk. Georgia and Alabama’s conference, the SEC, is also dominant. Should Alabama or GA not make it to the CFP, the same respect should be granted to the representative from their conference.
Bankroll Management – Remember, there are several games in the playoffs, so save some bankroll for all of them. Create a betting budget, and don’t blow it all on the first game. Also, don’t bet the rent money. Take care of #1 first, and only use any remaining funds to fund your bankroll.
Mobile Betting Apps
The betting sites we recommend can be accessed on the go with Apple or Android tablets and smartphones by clicking on the sportsbook links featured on this page using a current mobile browser. That’s because these mobile betting apps are web-based and do not require a download.
Bets can be placed quickly on iPhones, iPads, and other popular mobile devices, whether you are at the game or in the dorm. Nothing’s off-limits, either. These mobile CFP betting apps offer all the betting lines that are featured on the sportsbook site.
Over-18 Sportsbook Funding Options
Bitcoin (BTC) is the top funding option at all of the 18+ CFP sportsbooks we recommend because of its unregulated status, which provides for the quickest transaction times in the online betting industry. Bitcoin deposits can be made within minutes, and BTC withdrawals are completed in less than a day.
Other 18 & up sports betting site funding options include:
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- Deposit: Credit Card, Debit Card, Wire Transfer, Money Order, Cashier’s Check, Zelle, Money Transfer Services, Cryptocurrency (Bitcoin, Bitcoin Cash, Ethereum, Tether, Cardano (ADA), Ripple, Litecoin)
- Withdrawal: Wire Transfer, Cashier’s Check By Courier, Cryptocurrency* (Same Day Payouts!)
Is It Legal To Bet On The College Football Playoffs At 18?
Some US States allow domestic sportsbooks to exist within their borders, but only a handful allow 18-year-olds to participate. The same cannot be said for offshore sports betting sites, as they are available throughout the United States and can take bets over the Internet on the College Football Playoffs from customers aged 18 and over.
There are no laws in place that govern international CFP sportsbooks from accepting US-based bets over the web, so it isn’t against the rules. For more information, please visit the Laws page, which is accessible via our top menu.