NFL odds are intimidating to people who don’t know how to read them, but they are really easy to understand.

There are three kinds of NFL betting: money line, point spread and over/under.

Money Line

The money line, or just lines, is a three or more digit number preceded by a plus or minus sign that tells you how much you make when your team wins outright.

If there is a plus sign first, then the number shows you how much you win if you bet $100. If there is a minus sign first, the number shows you how much you bet to win $100.

Say you have a game that reads Arizona Cardinals (+245) at New Orleans Saints (-305). If you bet $100 on the Cardinals, you’ll win $245 plus your original stake. If you bet $305 on the Saints, you’ll win $100 plus your original stake.

Money lines aren’t very popular for NFL betting and they often get left out of NFL odds.

Point Spreads

The point spread adds or subtracts points from a team’s final score to make the odds even.

Say you see the Saints are -7 in their game against the Cardinals. A -7 point spread means the Saints need to win by more than seven for the bet to pay out.

Point spreads are always mirrored, so the Cardinals would be +7 in the same game with the Saints. A +7  point spread means the Cardinals need to lose by no more than seven for the bet to pay out.

If they win by exactly seven, then the bet is a push. You need to check your sportsbook’s rules to find out what happens in the event of a push.

Often after NFL point spreads you see a number that looks like a money line like this example: New Orleans Saints -7 (-110). This extra number is showing how much you have to bet to win $100 just like with a point spread. Usually it will be -110, but sometimes you see -105 and -115.

Spread betting is the most popular form of NFL betting.

Over/Under

The over/under, or total, lets you bet on what the total score of the game will be. It doesn’t matter which team wins, you bet on either over or under. To find out if you win, you just add up the two scores and compare it with the posted total.

If the over/under is 57 (-110) and you bet over, then the final score needs to add up to 58 or more for the bet to pay off.

Just like with  point spreads, the second set of numbers in the over/under shows how much the bet pays off. For football, this is almost always -110 which means you bet $110 to win $100.