Top 98% RTP Casinos

We’ll jump right into our top list for the best online casinos that stock 98% RTP slots. Rather than just letting you scour the net in search of sites with 98% games, we’ve gone ahead and put together a selection of online casinos which we believe offer the best experience possible.

We picked these sites based on their welcome bonuses, additional promotional offers, game library (including 98% RTP games), customer service and security features. They’re all licensed by top gambling regulators, so you can rest assured that any one you pick will be a safe space to play 98% RTP games.

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What Is RTP?

This guide is ultimately all about RTP, so before we go any further with the benefits of high RTP games, it’s worth explaining precisely what this figure is. RTP or return to player rate is the rate at which wins drop within an online casino game. It’s calculated over tens or even hundreds of thousands of rounds, dividing the win and turnover figures that are produced during that period.

The figure it produces is more of an estimate, and we always treat RTP as a guideline rather than an exact science. So, if we’re discussing 98% RTP slots, that’s not to say that for every £1 you wager, you will win at least 98p. Other elements affect payouts in online casino games, including volatility levels and special features.

Online casino games are required to show their RTP levels by following guidelines set by strict gambling regulators, including the UKGC and MGA. It gives you more transparency in choosing your games, as you can get a better estimate of the sort of wins you can expect to land based on their RTP rate.

So, it’s important to know a casino game’s RTP rating to better understand the frequency at which it pays out, which can in turn affect the bet levels you select and whether or not you choose to trigger bonus buy features.

98% RTP Is Very High

The average RTP for most online casino slots is 96%. So, games with anything above that, including 98% RTP are considered to be very high RTP titles. And while they might be rarer than 96% RTP games, there are still quite a few 98% RTP slots out there. You could say that they’re the most common very high RTP games since there are very few games that offer a 99% RTP setting.

Essentially, a higher payout rate brings more excitement to the reels, with more concentrated wins and special feature triggers. And speaking of triggering special features, 98% RTP slots tend to come with bonuses that create a better sense of progression than those found on lower RTP titles. Since features trigger more often on high RTP games, you can enjoy them more often and lots of providers take advantage of this benefit by layering features on top of each other.

The higher RTP rating also means that it’s easier to cover your betting requirements. Since wins drop more often, you have a better chance of recovering any losses that might initially occur. So, 98% RTP slots and other high RTP games can be ideal for high rollers too, giving them more security in knowing that the funds they place on the line are more likely to be recovered.

It’s important to point out that there is no strategy to apply to video slots. These are games based on randomised algorithms that you cannot influence in any way, shape, or form. But you could still follow certain betting strategies which work differently depending on the game’s RTP rating.

Recommended Slots with 98% RTP

Now that you know all about 98% RTP slots and the benefits they bring to the table, it’s time to unveil our top recommendations. These titles have been chosen based on their high payouts and a fantastic set of features that work incredibly well with their 98% RTP rates.

Our top picks have all been developed by some of the best providers in the industry, offering some of the best high RTP video slots we’ve ever had the pleasure of experiencing.

Money Cart – 98.00% RTP

Money Cart proved to be one of Relax Gaming’s most popular releases, with its re-spins bonus, medium to high volatility, maximum win cap of 2,000x and, of course, an RTP of precisely 98.00%.

We’re fans of the slot’s Western theme and were quite impressed with the way Relax Gaming managed to integrate the features and aesthetics. Rather than just slapping the features onto a visual template, Money Cart intertwines the two together, making even tried and tested mechanics feel new and exciting.

The prized feature here is the bonus re-spins. It’s a hold and spin feature with instant cash prizes and a set of reel modifiers that managed to push us close to that 2,000x maximum win whenever they landed. From adding new reels to multiplying existing symbol values and more, these reel modifiers took Money Cart to the next level and made it one of our favourite 98% RTP releases.

Hero Clash – 98.10% RTP

Moving on to a more fantastical setting is Hero Clash. Stakelogic’s game gives you wins of up to 5,000x your selected bet and it even comes with an RTP of 98.10%. Volatility is quite high here too, which balances the higher RTP rate.

The game centres around four hero characters who each have high pay symbols that can award up to 14x your stake. Their weapons are used as the slot’s wild symbols, which step in for any missing pay symbols that could form part of a winning combination. But perhaps the most unique feature here is the Hero Power Meter. The meter slowly fills up with hero scatter symbols and can ultimately lead to the game’s free spins bonus.

The higher your hero power meter level, the better the free spins you get. You start with just a couple of random wilds on the reels, but higher free spin levels unlock win multipliers, sticky wilds, random wilds and wild stacks. You can even double or quadruple your wins with the gamble feature.

Jackpot 6000 – 98.88% RTP

One of popular developer NetEnt’s earlier releases, Jackpot 6,000 is a proper retro slot. But don’t let the game’s dated and frankly quirky visuals fool you. You get a 98.8% RTP here and a maximum win of up to 6,000x your stake. Sure, a high level of volatility and a maximum bet of £1 may dent your hopes of constantly landing massive wins, but the game still comes with plenty of win potential.

Features are activated in a slightly alternative way here too. Instead of triggering free spins using scatter symbols, you’ll need to activate them through the super meter. Whenever you land a winning combination, you can choose to cash out or add the win to the super meter. Once it fills up, you can spin away with a 2x multiplier for the duration of the bonus rounds. You can even land mystery prizes that can be worth up to 6,000 coins.

Of course, the biggest prize here is the jackpot bonus itself, which can only be triggered when you’ve maxed your bet at £1. This opens the possibility for joker symbols to land on your reels and landing three of them in one round rewards you with the 6,000x maximum win prize.

Benefits of 98% RTP Games

  • Better win rate than lower RTP games
  • Features and bonuses trigger more often
  • Better chances of recovering your losses

Negatives of 98% RTP Slots

  • 98% RTP slots generally tend to come with high or very high volatility settings to even out the faster payout rate.

Are 98% RTP Slots Worth It?

At the end of the day, 98% RTP slots can offer a very rewarding experience. With a higher probability of winning and a higher payout percentage, you get even more excitement, anticipation and adrenaline on every spin. Of course, it’s always worth bearing in mind that a high RTP is not guaranteeing a win, and other elements come into play.

Speaking of which, a game’s volatility also affects the frequency and size of a game’s payouts. Sure, higher volatility games generally come with larger payouts, but they also offer less frequent wins. On the other hand, lower volatility games come with smaller payouts but more frequent wins. It’s ultimately up to you to decide which combination suits your play style best.

You’ll also want to keep a game’s bonuses and special features in mind when picking a game. A high RTP doesn’t necessarily mean that the game comes with exciting features. Always look for titles that strike the right balance between great features, quality visuals, good payouts and high RTP for an all-rounded experience.

98% RTP slots can ultimately be really worth playing, especially when they come with the full package. Always be sure to check other elements of a game besides RTP before deciding to play. And when in doubt, check out our JohnSlots reviews which delve deep into everything these games have to offer.

98% RTP Slots FAQs

Still, have more burning questions about 98% RTP slots and high RTP games? Our frequently asked questions below might just have the answers you need.

98% RTP means a video slot has a high level of volatility and theoretically should payout at least 98% of all the wagers you place. Keep in mind that this figure is more of a guideline and not an exact representation of what a game will always payout.

Yes, 98% is considered to be very high in fact and comes with several benefits. You should be landing wins and triggering special features more frequently, although this is also down to other factors including a slot’s volatility level.

98% RTP slots can be quite rare to find and aren’t nearly as common as 97% or even 96% RTP slots. But there are still a lot of quality 98% RTP games to enjoy out there, including the top picks we mentioned in our list.

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Leanna Madden is an expert in online slots, specializing in analyzing game providers and evaluating the quality and variety of slot games. With her extensive knowledge, she guides players to the best slot options, including high RTP slots and those with exciting bonus features. Leanna's insights help players make informed decisions and enjoy rewarding slot experiences at online casinos.

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