FanDuel Predicts: How It Works, States, Fees and Offer

FanDuel Predicts is FanDuel’s prediction market, run as a joint venture with CME Group, where adults aged 18 or over buy and sell yes/no event contracts on sports, finance, crypto and culture. Contracts are listed on CME Group exchanges and on Crypto.com | Derivatives North America, all regulated by the Commodity Futures Trading Commission (CFTC). It launched in five states on 22 December 2025, and as of October 2026 FanDuel’s own state map lists it in the 26 states where FanDuel has no sportsbook, with sports contracts in 18 of them. This guide is information only, with no sign-up links.

FanDuel now runs one app nationwide: in a state with a licensed FanDuel Sportsbook you see the sportsbook, and in most other states you see Predicts. That design answers the most common question about the product, whether FanDuel Predicts is “in all 50 states”. Our guide to US prediction markets explains the category as a whole. If trading or gambling is becoming a problem, call or text 1-800-MY-RESET, the free national helpline.

What is FanDuel Predicts?

FanDuel Predicts is an app and account for trading event contracts: questions such as “Will Bitcoin be $90,000 or more today at 11am?” or “Will Texas win the championship game?” that settle at $1 if the answer is yes and $0 if it is no. You pick Yes or No, choose an amount, and the price you pay reflects the market’s current estimate of the chance. FanDuel’s own example: a Yes contract at 60 cents implies roughly a 60% chance.

The product is peer to peer. Your order is matched against other participants, not booked against FanDuel, and prices move as people buy and sell. FanDuel earns a fee on each trade instead of building a margin into the price. Before an event finishes you can hold for the payout or, on select markets, sell early. The app can show the same price as cents, a percentage or a multiplier; only the display changes, not your potential payout.

FanDuel’s December 2025 launch release said Predicts would offer contracts on the S&P 500 and Nasdaq-100, oil, gas and gold prices, cryptocurrencies and economic data such as GDP and CPI in all 50 states, with sports contracts across baseball, basketball, football and hockey only in states where online sports betting was not yet legal. It also said Predicts would stop offering sports contracts in a state once that state legalised online sports betting.

Who runs and regulates FanDuel Predicts?

Your account is opened with FanDuel Prediction Markets LLC, a joint venture between FanDuel Group and CME Group. FanDuel states that it is registered with the CFTC as a futures commission merchant (FCM) and is a member of the National Futures Association (NFA). The contracts themselves are listed on CFTC-registered designated contract markets (DCMs). The FCM’s own regulatory disclosure on CME Group’s site names two channels: CME Group’s DCMs, reached through a non-clearing omnibus account with Plus500US Financial Services LLC, and the DCM of Crypto.com | Derivatives North America (CDNA), reached through direct membership.

Federal oversight shows up at sign-up: you verify your identity and answer questions about trading experience, employment and finances before you can deposit. FanDuel also points out what regulation does not give you. Positions are fully paid for up front, so you cannot lose more than you put in, but FanDuel Prediction Markets LLC is not FDIC-insured or SIPC-protected. You can check its registration and any disciplinary history in the NFA’s BASIC database; CME Group publishes the FCM’s financial reports on its FCM regulatory information page.

How is FanDuel Predicts different from FanDuel Sportsbook?

FanDuel Sportsbook is a state-licensed betting product where FanDuel sets the prices and the minimum age is 21 in almost every state. FanDuel Predicts is a federally regulated trading product where other users set the prices, FanDuel charges a visible fee, and the minimum age is 18. The two never overlap in one state: FanDuel’s map assigns each state either the sportsbook or Predicts.

The sportsbook states on the map are Arizona, Arkansas, Colorado, Connecticut, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Vermont, Virginia, West Virginia and Wyoming, plus Washington, DC and Puerto Rico. Our state-by-state US sports betting guide covers the regulators and age limits for licensed sportsbooks in each of them.

Where is FanDuel Predicts available, and how old must you be?

As of 25 October 2026, FanDuel’s map shows FanDuel Predicts in 26 states: Alabama, Alaska, California, Delaware, Florida, Georgia, Hawaii, Idaho, Maine, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Dakota, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Texas, Utah, Washington and Wisconsin. You must be at least 18. Availability follows your physical location, and the app switches product when you cross a state line.

Sports contracts are narrower. FanDuel’s new-customer terms limit the welcome offer to 18 states: Alaska, Alabama, California, Delaware, Florida, Georgia, Hawaii, Idaho, Minnesota, Nebraska, New Mexico, North Dakota, Oklahoma, Rhode Island, South Carolina, South Dakota, Texas and Utah. Those are the same 18 states trade press lists for FanDuel sports contracts. In the other eight Predicts states (Maine, Mississippi, Montana, Nevada, New Hampshire, Oregon, Washington and Wisconsin), all of which have some legal sports betting, expect financial and other non-sports contracts and check the app before assuming sport is offered.

Several reviews still describe Predicts as live in all 50 states. That was FanDuel’s launch plan for financial contracts, but FanDuel’s current guide says that where its sportsbook operates “you get the sports betting experience”, and that non-sports contracts are available “where legally permitted”. FanDuel the company is in all 50 states through one app; its map names Predicts as the experience only where the sportsbook is absent, so anyone in a sportsbook state who wants financial contracts should check the app. A traveller from Texas who opens the app in New York will see FanDuel Sportsbook, which requires age 21, not Predicts.

How do you sign up for FanDuel Predicts?

You need to be in a Predicts state, aged 18 or over, with a US Social Security number. FanDuel’s launch release lists the identity data it collects: date of birth, Social Security number, home address, banking information and a government-issued ID. If you already hold a FanDuel account from another state, the same login works.

1. Download the FanDuel app from the App Store or Google Play (one app for the whole country), or update an existing FanDuel Sportsbook app.
2. Allow location access; the app opens Predicts if your state is a Predicts state.
3. Create or log in to your FanDuel account and complete identity verification, including the federal questions on trading experience and finances.
4. Read the risk disclosures, then make a first deposit (needed for the welcome offer).
5. Pick a market, choose Yes or No, enter an amount and review the potential payout and fee at checkout.
6. Hold to settlement, or sell early where the market allows it.

What does FanDuel Predicts charge? The 2% fee worked through

FanDuel charges “two cents per dollar of your potential payout”, shown at checkout. Because each contract pays $1 if correct, that is $0.02 per contract at every price. FanDuel’s example: a $100 potential payout means a $2 fee. The same fee applies again if you cash out early, calculated on your original potential payout. There is no settlement fee on contracts held to the end.

A worked example with our own illustrative numbers (not live prices). You buy 50 Yes contracts at $0.60.

• Cost: 50 × $0.60 = $30.00. Potential payout is 50 × $1 = $50.00, so the fee is 2% × $50.00 = $1.00. Total paid: $31.00.
• If Yes wins: you receive $50.00, a profit of $19.00. The payout lands as a “pending payout” you can trade with at once and can withdraw after one to two business days.
• If No wins: the contracts settle at $0 and you lose $31.00, never more.
• If you cash out at $0.75: the position is worth 50 × $0.75 = $37.50, less a second fee of $1.00 (2 cents per dollar of the original $50 payout), so $36.50 returns to your buying power. Profit: $5.50.
• Break-even: $31.00 for $50.00 means you need a true chance above 62%, not 60%. In sportsbook terms, the all-in price is decimal 1.61 (50 ÷ 31), about −163 in American odds. Our page on odds formats and implied probability shows the conversions.

A flat 2 cents per contract is cheap in the middle of the price range and expensive at the edges. On a longshot, the fee becomes a large share of what you pay. The table compares buying 100 contracts at $0.05 under each operator’s published schedule in October 2026.

The lesson is practical: FanDuel Predicts is fairly priced for contracts between about 30 and 90 cents and costly for cheap longshots, where rival schedules taper the fee and FanDuel’s does not.

How do combos work on FanDuel Predicts?

A combo bundles several contracts into one trade that pays only if every selection is right, similar to a parlay but priced by the market rather than by a bookmaker. FanDuel’s combo guide allows two to six selections per combo; its Predicts landing page advertised up to eight football predictions in one trade on 25 October 2026, so check the builder for the current limit.

Payouts are the product of the legs’ settlement prices. If one leg loses, the combo settles as a loss straight away. A cancelled or tied leg does not void the combo: it settles at that leg’s settlement price, which may not be zero. Futures such as season MVP cannot be combined, and neither can two lines from the same market or a spread with a to-win market on the same team.

Consider three legs each priced at 50 cents. The combined chance is 0.5 × 0.5 × 0.5 = 12.5%, so a combo price near $0.125. Spending $10 buys 80 contracts with an $80 potential payout, and the 2% fee is $1.60, or 16% of your stake. Combos therefore magnify the cost structure described above, because the fee follows the payout, not the stake. Our guide to bet types and multiples explains why accumulators lose value as legs are added.

Deposits and withdrawals on FanDuel Predicts

Predicts uses the standard FanDuel wallet. FanDuel’s support article lists online banking, debit cards, prepaid cards, gift cards, Venmo, PayPal and Apple Pay, with availability varying by state, product and bank. Credit cards are not accepted for Predicts or any other FanDuel product in the US; FanDuel stopped taking credit cards from 2 March 2026, as ESPN reported.

• You can link up to three payment methods at a time.
• Before withdrawing to most methods you must first deposit with that method; online banking and cheque withdrawals do not need a prior deposit.
• Prepaid cards, gift cards and unsupported third-party apps such as Cash App and Chime are deposit-only.
• Winning payouts become withdrawable after one to two business days.

Our payment methods guide compares the speed and cost of bank transfers, cards and e-wallets in general terms.

What is the current FanDuel Predicts offer?

On 25 October 2026 FanDuel’s pages advertised up to $100 in Predicts Bonus for new customers who trade at least $1 on five consecutive days. The published terms describe a $20 Predicts Bonus after a first deposit and first real-money trade, then $20 for each of the next four days with a trade, to a $100 maximum. The offer is 18+ and limited to the 18 states listed above.

Key conditions in the terms: a first-time deposit is required; the bonus is non-withdrawable, usable only on Predicts, credited within 72 hours and expires 24 hours after receipt; one bonus per Social Security number. The terms page we read gave a promotion period from 24 August to 20 October 2026, while FanDuel’s pages were still showing the offer, so confirm the current version in the app. A separate refer-a-friend scheme paid $20 in bonus per qualifying friend, up to $200, with five referrals per 30 days.

We have no FanDuel promo code and are not paid for sign-ups. Because each $20 bonus expires after 24 hours, the realistic value is lower than $100 unless you trade daily, which is exactly the habit a bonus like this is designed to build. Our guide to reading bonus terms explains how expiry and non-withdrawable credits cut headline value.

Is FanDuel Predicts legal, and could that change?

Non-sports contracts face little legal challenge. Sports event contracts are disputed between the CFTC and the states, and federal appeals courts have split. FanDuel already limits sports contracts to states without legal online sports betting, which keeps it away from the states most actively suing, but a Supreme Court ruling could change the rules for every operator.

• Third Circuit, 6 April 2026 (New Jersey): sided with Kalshi at the preliminary-injunction stage, treating sports contracts as swaps under federal law.
• Ninth Circuit, 28 August 2026 (Nevada): ruled in KalshiEX v. Assad that federal law does not pre-empt Nevada’s gaming law for sports contracts. Nevada is a Predicts state on FanDuel’s map, which is one more reason to check whether sport is shown there.
• Sixth Circuit, 25 September 2026 (Ohio and Tennessee): held that the states can regulate sports contracts.
• Supreme Court, No. 26-299: New Jersey’s petition was filed on 2 September 2026; Kalshi’s response is due 9 November 2026, and the Court had not decided whether to hear it as of 25 October 2026.

Pros and cons of FanDuel Predicts

FanDuel Predicts vs DraftKings Predictions vs Fanatics Markets

The three sportsbook-owned prediction markets launched within weeks of each other in December 2025 but took different routes. The comparison uses each operator’s published facts as of 25 October 2026.

For an exchange with no sportsbook parent, see our guide to Novig. Readers outside the US cannot use any of these products and should stick to bookmakers licensed where they live.

Frequently asked questions

Is FanDuel Predicts available in all 50 states?

Not as FanDuel describes it in October 2026. FanDuel runs one app in all 50 states, and its map shows FanDuel Sportsbook in the 24 states (plus DC and Puerto Rico) where the sportsbook is licensed and FanDuel Predicts in the other 26. Sports contracts are offered in 18 of those 26 states. Older reviews that say “all 50 states” reflect the launch plan for financial contracts.

Who owns FanDuel Predicts?

Accounts are opened with FanDuel Prediction Markets LLC, a joint venture between FanDuel Group and CME Group. It is registered with the CFTC as a futures commission merchant and is an NFA member. Contracts come from CME Group exchanges and from Crypto.com | Derivatives North America.

How old do you have to be to use FanDuel Predicts?

You must be at least 18, according to FanDuel’s Predicts pages and offer terms. FanDuel Sportsbook, in contrast, requires age 21 in almost every state where it operates.

What fees does FanDuel Predicts charge?

Two cents per dollar of potential payout, taken at checkout, and the same again if you cash out early. Because contracts pay $1, that equals $0.02 per contract at any price, so a $100 potential payout costs $2.

What is the FanDuel Predicts welcome offer?

On 25 October 2026 FanDuel advertised up to $100 in Predicts Bonus: $20 after a first deposit and trade, then $20 for each of the next four days you trade at least $1. It was limited to 18 states, and each bonus expired 24 hours after it was credited. We hold no promo code.

Can I deposit with a credit card on FanDuel Predicts?

No. FanDuel’s support pages say credit cards are not accepted for Predicts or other FanDuel products in the US. Online banking, debit cards, PayPal, Venmo and Apple Pay are among the listed alternatives.

How long do FanDuel Predicts withdrawals take?

Winning payouts appear straight away as pending payouts you can trade with, and become available to withdraw after one to two business days. Bank processing time is added on top, depending on the method.