Arizona sports betting is legal and well established. Online and retail wagering launched on September 9, 2021, and the state now has 12 live mobile sportsbooks ranging from DraftKings and FanDuel to Arizona-specific options such as Desert Diamond Sportsbook and Betcris. Circa Sports has also received an Arizona license but has not yet launched.
The Arizona Department of Gaming regulates the commercial event-wagering market. Bettors must be at least 21, and online sportsbooks use geolocation to confirm that the wagering device is in an authorized Arizona location when the bet is placed.
Arizona is also one of the more structurally interesting U.S. markets. Its licenses are split between Native American tribes and professional sports organizations, which is why sportsbook partners range from the Navajo Nation and Tohono O’odham Nation to the Arizona Cardinals, Arizona Diamondbacks, Phoenix Suns and Phoenix Raceway.
Twelve live apps give bettors plenty of reason to shop around. Arizona sportsbooks routinely disagree on moneylines, juice, point spreads, player props, futures and live prices. The best sportsbook for an NFL spread on Sunday afternoon may not have the best baseball moneyline that evening.
Arizona Sports Betting at a Glance
Legal Online and Retail Betting
Arizona permits statewide regulated mobile sports wagering as well as betting at licensed physical sportsbooks.
September 9, 2021 Launch
Legal event wagering went live in Arizona on September 9, 2021, less than five months after the enabling legislation was signed.
Minimum Age: 21
Arizona sportsbooks may not allow anyone under 21 to place a regulated sports wager.
12 Live Mobile Sportsbooks
Twelve licensed brands currently accept online sports wagers in Arizona, with Circa Sports licensed but still awaiting launch.
Arizona Department of Gaming
The ADG licenses operators, supervises compliance, approves wagering categories, conducts audits and handles unresolved patron disputes.
10% Mobile / 8% Retail
Arizona charges operators a 10% privilege fee on qualifying mobile revenue and 8% on qualifying retail revenue.
Regulated Online Sportsbooks in Arizona
Arizona currently has 12 live mobile sportsbook operators. The market includes the largest national brands, Arizona tribal sportsbooks, and smaller operators that give bettors additional prices to compare.
Bally Bet
Bally Bet operates in Arizona through the Phoenix Mercury and gives bettors another regulated option for major U.S. leagues, props, parlays, futures, and live wagering.
- Licensed Phoenix Mercury partner
- Mainstream pregame and live markets
- Useful additional line-shopping account
bet365 Sportsbook
bet365 operates through the Ak-Chin Indian Community and brings its deep international betting menu, strong live product, alternate markets, and extensive soccer coverage to Arizona.
- Excellent live-betting depth
- Large U.S. and international sports menu
- Strong soccer and alternate-market coverage
BetMGM Sportsbook
BetMGM operates through its partnership with the Arizona Cardinals and combines a large statewide mobile sportsbook with a significant Arizona retail presence.
- Broad sports and prop coverage
- BetMGM Rewards integration
- Strong Arizona retail presence
Betcris Arizona
Betcris returned to the U.S. market in 2025 through Arizona, operating through Plannatech and the San Carlos Apache Tribe. Its Arizona product emphasizes traditional sportsbook pricing and reduced juice on selected markets.
- Reduced-juice pricing on selected markets
- Traditional sportsbook approach
- Useful alternative to the largest national books
BetRivers Sportsbook
Rush Street Interactive operates BetRivers in Arizona through the Arizona Rattlers, offering major sports, player props, parlays, futures, and live betting.
- Straightforward sportsbook interface
- Broad major-sport coverage
- Another independent line-shopping option
Caesars Sportsbook
Caesars operates through the Arizona Diamondbacks and combines its mobile sportsbook with a prominent retail location beside Chase Field in downtown Phoenix.
- Caesars Rewards integration
- Broad props, futures, and live markets
- Major retail sportsbook at Chase Field
Desert Diamond Sportsbook
Desert Diamond is operated by the Tohono O’odham Nation and combines statewide mobile betting with sportsbook access at Desert Diamond casino properties in Arizona.
- Arizona tribal ownership
- Mobile and retail sportsbook access
- Strong local casino presence
DraftKings Sportsbook
DraftKings partners with TPC Scottsdale and offers one of Arizona’s deepest selections of player props, alternate markets, Same Game Parlays, futures, and live wagers.
- Deep props and alternate markets
- Strong app and bet slip
- Retail sportsbook at TPC Scottsdale
Fanatics Sportsbook
Fanatics operates through the Tonto Apache Tribe and combines its statewide mobile sportsbook with FanCash rewards and a retail sportsbook at Mazatzal Casino.
- FanCash rewards system
- Modern mobile sportsbook
- Retail presence at Mazatzal Casino
FanDuel Sportsbook
FanDuel operates through the Phoenix Suns and remains one of Arizona’s largest sportsbooks, with a clean interface, deep player props, live markets, and strong Same Game Parlay tools.
- Excellent mobile interface
- Strong Same Game Parlays and props
- Frequent Profit Boost promotions
Hard Rock Bet
Hard Rock Bet operates through the Navajo Nation and combines statewide mobile wagering with a physical sportsbook at Twin Arrows Navajo Casino Resort.
- Good live-betting interface
- Legendary Reward Drops
- Retail sportsbook at Twin Arrows
theScore Bet
PENN Entertainment operates theScore Bet in Arizona through Phoenix Raceway. The sportsbook combines a mainstream wagering product with theScore’s established scores, statistics, news, and sports-media platform.
- Strong sports-media integration
- Broad mainstream betting menu
- Pregame and live wagering
Arizona’s 12-book market is large enough that habit is a poor reason to accept a weak line. Compare the exact spread, total, moneyline, prop threshold, and juice before placing the wager. The sportsbook with the best Cardinals price this afternoon may be nowhere near the best Diamondbacks price tonight.
Licensed, Not Yet Live, and Closed Arizona Sportsbooks
Arizona’s operator list has changed considerably since 2021. A sportsbook having operated in Arizona previously does not mean it is available today.
Circa Sports: Licensed, Not Yet Launched
Arizona allocated an event-wagering license to Circa Sports Arizona in 2026 through the San Juan Southern Paiute Tribe.
The Arizona Department of Gaming currently marks Circa as “not yet launched”.
Sporttrade: Ceased Operations
Sporttrade previously operated through the Quechan Indian Tribe but has ceased operating in Arizona.
Golden Nugget: Ceased Operations
Golden Nugget previously held Arizona market access through the Hualapai Tribe.
The Arizona Department of Gaming now marks the sportsbook as having ceased operations in the state.
Older Arizona Brands
Arizona has also seen brands such as WynnBET, Unibet, SuperBook, TwinSpires, Betfred and other earlier operators disappear, rebrand or give way to replacement partners.
How Arizona Sportsbook Licensing Works
Arizona created a maximum of 20 full event-wagering operator licenses. Ten are reserved for Arizona tribes and ten for qualifying sports organizations.
10 Tribal Licenses
Up to ten licenses are reserved for Arizona Indian tribes.
A tribe can operate its own sportsbook or designate an approved commercial sportsbook partner.
10 Sports-Franchise Licenses
Another ten licenses are reserved for qualifying Arizona professional sports teams and specified sports facilities and promoters.
Current examples include partnerships involving the Arizona Cardinals, Diamondbacks, Suns, Mercury, Arizona Rattlers, TPC Scottsdale and Phoenix Raceway.
Commercial Sportsbook Designees
A tribe or qualifying sports organization does not have to build the sportsbook technology itself.
It can designate an approved operator such as bet365, BetMGM, Caesars, DraftKings, Fanatics or Hard Rock Digital to provide the wagering platform.
Limited Event Wagering Licenses
Arizona separately authorizes up to ten limited event-wagering licenses for qualifying racetracks and additional wagering facilities such as off-track betting locations.
Allocation alone does not mean the location is accepting sports wagers; it must complete the remaining approval process before launch.
Retail Sportsbooks in Arizona
Arizona’s retail market is broader than a handful of casino cages. Bettors can find substantial sportsbook venues at stadiums, golf facilities and tribal casinos. These are some of the most significant current locations.
BetMGM Sportsbook at State Farm Stadium
BetMGM operates a 17,000-square-foot sportsbook next to State Farm Stadium in Glendale through its Arizona Cardinals partnership.
The venue includes betting windows, self-service kiosks, extensive television coverage and food and drink service.
BetMGM at Gila River Resorts & Casinos
BetMGM also operates sportsbooks at Gila River properties including Vee Quiva, Wild Horse Pass, Lone Butte and Santan Mountain.
Betting on Gila River Indian Community lands follows the applicable tribal arrangements rather than simply mirroring the statewide BetMGM mobile experience.
Caesars Sportsbook at Chase Field
Caesars operates a large two-story retail sportsbook and restaurant adjacent to Chase Field through its partnership with the Arizona Diamondbacks.
DraftKings Sportsbook at TPC Scottsdale
DraftKings operates an in-person sportsbook at TPC Scottsdale, the home of the PGA Tour’s WM Phoenix Open.
Hard Rock Sportsbook at Twin Arrows
Hard Rock Bet operates a retail sportsbook with windows and kiosks at Twin Arrows Navajo Casino Resort east of Flagstaff.
Fanatics Sportsbook at Mazatzal Casino
Fanatics operates a retail sportsbook at Mazatzal Casino in Payson through its partnership with the Tonto Apache Tribe.
Desert Diamond Sportsbooks
Desert Diamond operates sportsbook facilities or betting kiosks at several Tohono O’odham Nation casino properties, including Tucson, Sahuarita, West Valley and White Tanks.
Not Every Historic Retail Book Is Still Open
Arizona’s physical sportsbook landscape has changed along with its online brands.
The former FanDuel sportsbook at the Phoenix arena, for example, closed in 2025 even though FanDuel’s Arizona mobile sportsbook remains active.
Where You Can Place a Mobile Bet in Arizona
Arizona’s regulated sportsbook apps use geofencing to check the bettor’s physical location. The Department’s rules require a location check before a wager and recurring checks during the wagering session.
You Do Not Have to Be an Arizona Resident
Eligibility depends primarily on age, identity, account status and physical location when the wager is placed.
An eligible visitor can use a regulated sportsbook while in Arizona.
You Must Be in an Authorized Location
If geolocation determines that the customer is outside Arizona, the sportsbook must block the wager.
Tribal Lands Can Work Differently
Arizona’s tribal-state compact framework creates location-specific exceptions that matter at some tribal properties.
BetMGM, for example, directs customers on Gila River Indian Community land to the separate BetGILA product rather than simply using the ordinary statewide BetMGM app there.
VPNs and Remote Access Can Cause Problems
VPN software, remote-desktop programs, disabled location services or some network configurations can prevent the sportsbook from verifying an otherwise legal location.
What Can You Bet on in Arizona?
Arizona permits a broad sportsbook menu, including straight bets, moneylines, point spreads, totals, parlays, teasers, approved proposition bets and live wagers. The Arizona Department of Gaming determines which wager categories operators may offer.
Professional Sports
Approved professional sports can support ordinary sides, totals, player props, futures, parlays and live betting.
College Sports
Arizona permits betting on the overall outcome of collegiate sporting events, including ordinary game markets, but prohibits collegiate proposition bets.
Live Betting
In-game and in-play wagering is legal on approved markets.
Esports
Arizona law includes esports within its definition of sporting events, allowing wagering where the event and market have been approved.
High School Sports
Arizona sportsbooks may not accept wagers on high school sporting events.
Injuries and Penalties
Arizona specifically prohibits wagering on injuries and penalties.
Arizona Prohibits College Proposition Bets
Arizona’s collegiate rules are considerably stricter than Missouri’s. The restriction is not limited to games involving Arizona State, Arizona, Northern Arizona or another in-state school.
State law prohibits wagers on individual actions, events, occurrences or nonoccurrences determined during a collegiate sports event, including the performance or nonperformance of a team or an individual participant.
College Moneylines
Betting on the overall winner of an approved college game is permitted.
College Spreads and Totals
Standard game-level college markets can be offered where approved by the Arizona Department of Gaming.
College Player Props
Individual college player propositions determined during a game are prohibited throughout Arizona.
The rule does not depend on whether an Arizona school is participating.
Other Collegiate Proposition Bets
The prohibition extends beyond player props to individual occurrences and performance-based propositions during collegiate events.
Seasonal Awards
Arizona law expressly allows wagering on seasonal awards based on a player’s cumulative overall performance.
Why a Market May Be Missing
An Arizona bettor may see a college player prop advertised nationally or offered in another regulated state but find no equivalent market inside the Arizona app.
That can be a state-law restriction rather than a sportsbook decision.
Arizona Sportsbook Bonuses and Promotions
Twelve live mobile sportsbooks create plenty of promotional competition. Arizona bettors can encounter Bonus Bets, bet-and-get offers, Profit Boosts, Odds Boosts, parlay protection, loyalty rewards and targeted account promotions.
Bonus Bets
Bonus Bets are promotional wagering credits rather than cash. The promotional stake generally is not returned with winnings.
Profit Boosts
Profit Boosts increase the net winnings of an eligible wager but commonly carry maximum stakes, minimum odds and market restrictions.
Odds Boosts
Odds Boosts improve the displayed price of an eligible wager or packaged promotion.
Parlay Protection
Some offers provide a refund or revised settlement when a qualifying parlay fails under a specific condition.
Arizona Is Built for Line Shopping
A dozen live sportsbooks create a deeper price-shopping market than bettors have in many regulated states. The useful differences are not confined to promotional offers.
Compare Juice
One sportsbook might price a spread at -115 while another has the identical number at -105.
Those ten cents matter across repeated wagers.
Compare the Spread Itself
Cardinals +3.5 at -115 and Cardinals +3 at -105 are different wagers.
The half-point may be worth considerably more than the cheaper-looking juice.
Compare Moneylines
A baseball underdog at +147, +152 and +160 has the same winning condition but three different payouts.
Take the strongest available price when the underlying wager is otherwise identical.
Compare Prop Thresholds
One book may post a player at over 74.5 yards while another requires over 78.5.
The lower threshold can matter more than a Profit Boost attached to the inferior number.
Include Betcris and Desert Diamond
Line shopping should not stop with the four largest national apps.
Arizona’s market includes locally and tribally connected operators whose prices can diverge meaningfully from the mainstream books.
Do Not Count Circa Yet
Circa may eventually add another useful low-hold pricing screen, but Arizona bettors cannot shop its Arizona lines until the sportsbook actually launches.
Online vs. Retail Sports Betting in Arizona
Arizona has unusually strong options in both formats. The choice is less about legality than convenience, payment preferences and the experience the bettor wants.
Mobile Sportsbooks
Mobile accounts provide quick line comparison, digital deposits and withdrawals, live betting, bet histories, account limits and access to multiple operators without driving between locations.
Retail Sportsbooks
Arizona offers purpose-built venues such as the sportsbooks at State Farm Stadium, Chase Field and TPC Scottsdale as well as sportsbooks inside tribal casinos.
Cash Betting
Retail kiosks and windows can appeal to customers who prefer using cash rather than funding an online account.
Check the Actual Retail Rules
Ticket redemption periods, payout locations, operating hours and betting limits can differ by property.
Read the rules attached to the physical sportsbook where the ticket was issued.
How Arizona Regulates Sportsbooks
House Bill 2772 and Arizona’s amended Tribal-State Gaming Compacts established the modern event-wagering market. The Arizona Department of Gaming is the primary state regulator and enforcement body.
Operator Licensing
The Department evaluates event-wagering operators, designees, management providers, suppliers and relevant personnel before issuing licenses.
Background Checks and Audits
The Department can conduct background investigations, monitor operators and perform periodic audits of wagering systems and providers.
Geofencing
Mobile systems must verify that the bettor is in an authorized location before accepting a wager and continue performing location checks during the session.
Integrity Monitoring
Arizona requires mechanisms designed to detect fraud, money laundering, collusion and suspicious wagering activity.
Approved Wagers
Operators cannot simply invent a new betting category and place it on the board. Arizona maintains an approved wagering catalog and regulates permitted proposition and parlay categories.
Consumer Complaints
Customers have an operator complaint process followed by a state dispute procedure when the issue remains unresolved.
Arizona Sportsbook Taxes and License Fees
Arizona calls its sports-betting revenue charge a privilege fee. Mobile and retail sportsbook revenue are taxed at different rates.
10% Mobile Privilege Fee
Arizona assesses qualifying mobile adjusted gross event-wagering receipts at 10%.
8% Retail Privilege Fee
Qualifying retail adjusted gross event-wagering receipts are assessed at 8%.
$750,000 Initial Operator License
The current Arizona Department of Gaming fee schedule lists a $750,000 initial event-wagering operator license fee after a $100,000 application fee.
$150,000 Annual Operator Fee
Arizona’s current schedule lists a $150,000 annual license fee for an event-wagering operator or designee.
The 10% and 8% privilege fees are charges on operator revenue, not an extra percentage automatically added to a customer’s sportsbook stake.
What Arizona Regulation Gives Bettors
Regulation does not guarantee that a line is generous or a promotion is valuable. It does establish an accountable operator, technical standards, published rules and a government authority capable of reviewing unresolved disputes.
Verified Operators
The Arizona Department of Gaming publishes a current list of approved sportsbook operators and identifies brands that have ceased operating or have not yet launched.
Account and Transaction Records
Regulated sportsbooks maintain wagering, payment and account records that can be used when an accepted wager or withdrawal is disputed.
Required Complaint Procedure
Arizona operators must provide customers with a procedure for filing a written complaint and resolving patron disputes.
State Escalation
Once reasonable efforts with the sportsbook have been exhausted, an unresolved patron dispute can be submitted to the Arizona Department of Gaming.
What to Do if You Have an Arizona Sportsbook Dispute
Arizona has a particularly clear complaint sequence. A bettor cannot skip directly to the regulator simply because the first customer-service answer was unsatisfactory.
File With the Sportsbook First
Submit the written complaint through the operator’s published dispute process.
Include the wager ID, event, date, odds, stake, settlement and any relevant promotion or transaction.
The Sportsbook Has 10 Business Days
Arizona requires the operator to investigate the complaint and provide a written response within 10 business days after receiving it.
The Response Must Explain Your Escalation Right
The sportsbook’s written response must advise the customer that an unresolved dispute may be submitted to the Arizona Department of Gaming.
Then File With the Department
After reasonable operator-level resolution efforts have been exhausted, the bettor can submit the Department’s Event Wagering and Fantasy Sports patron dispute form.
Keep screenshots, account statements, emails, chat transcripts and the sportsbook’s written decision. A dispute containing a specific wager number and a specific rule is much easier to review than a general complaint that the sportsbook was unfair.
How Arizona Legalized Sports Betting
Arizona’s 2021 expansion paired commercial sports betting with a major modernization of the state’s tribal gaming compacts.
April 2021: HB 2772 Is Signed
Governor Doug Ducey signed House Bill 2772, creating the framework for regulated event wagering and fantasy sports.
Tribal Compacts Are Updated
The legislation worked alongside amended Tribal-State Gaming Compacts that expanded tribal gaming while creating a shared state sports-wagering framework.
August 2021: Licenses Allocated
The Arizona Department of Gaming allocated the initial tribal and sports-organization event-wagering licenses and allowed account registration to begin before launch.
September 9, 2021: Betting Goes Live
Regulated event wagering officially began throughout Arizona.
2024-2025: Operator Turnover
Arizona’s early sportsbook list changed substantially as national brands closed, rebranded or transferred market access and new operators such as bet365, Fanatics and Betcris entered.
2026: Circa Receives a License
The Department opened another licensing window and allocated a tribal event-wagering license to Circa Sports Arizona as the San Juan Southern Paiute Tribe’s designee.
Circa remains listed as not yet launched.
Responsible Gambling in Arizona
Arizona operates a statewide Event Wagering and Fantasy Sports self-exclusion program separate from its tribal-casino self-exclusion system.
One-, Five- or Ten-Year Exclusion
A person enrolling in Arizona’s event-wagering self-exclusion program can select a one-year, five-year or ten-year period.
The Exclusion Is Irrevocable
Arizona does not allow the selected self-exclusion period to be shortened or rescinded after enrollment.
Statewide Sportsbook Coverage
Event-wagering self-exclusion prevents participation through licensed sportsbook facilities and internet or mobile event-wagering platforms within Arizona.
Casino and Sportsbook Exclusion Are Separate
Arizona has separate programs for tribal casinos and event wagering. A person can choose the applicable form of exclusion or complete both.
1-800-NEXT-STEP
Arizona’s confidential problem-gambling helpline is available at 1-800-NEXT-STEP.
Text NEXTSTEP to 53342
Arizona also provides text access to problem-gambling assistance by sending NEXTSTEP to 53342.
Arizona Sports Betting FAQs
Is sports betting legal in Arizona?
Yes. Regulated online and retail sports betting launched in Arizona on September 9, 2021.
How old do I have to be to bet on sports in Arizona?
You must be at least 21 years old to place a regulated Arizona sports wager.
How many online sportsbooks are live in Arizona?
Twelve mobile sportsbook brands are currently live: Bally Bet, bet365, BetMGM, Betcris Arizona, BetRivers, Caesars Sportsbook, Desert Diamond Sportsbook, DraftKings, Fanatics Sportsbook, FanDuel, Hard Rock Bet and theScore Bet.
Is Circa Sports live in Arizona?
No. Circa Sports has received an Arizona event-wagering license through the San Juan Southern Paiute Tribe, but the Arizona Department of Gaming currently lists the sportsbook as not yet launched.
Is Sporttrade still available in Arizona?
No. The Arizona Department of Gaming marks Sporttrade as having ceased operations in Arizona.
Is Golden Nugget Sportsbook still available in Arizona?
No. The Arizona Department of Gaming also marks Golden Nugget as having ceased Arizona operations.
Do I have to live in Arizona to bet?
No. An eligible visitor can use a regulated sportsbook while physically located in an authorized Arizona location.
Can I bet anywhere in Arizona?
Mobile sportsbooks generally operate throughout the state using geolocation, but tribal lands can have separate compact and on-premise arrangements. Check the operator when betting from tribal property.
Can I bet on Arizona college teams?
Yes. Arizona permits approved game-level betting on college sports, including events involving Arizona schools.
Can I bet on college player props in Arizona?
No. Arizona prohibits collegiate proposition bets involving individual actions or performances during the event. The restriction is statewide and is not limited to games involving Arizona colleges.
Can I bet on college seasonal awards?
Yes. Arizona law expressly allows seasonal award wagers based on a player’s cumulative overall performance.
Can I bet on high school sports in Arizona?
No. Arizona prohibits licensed sportsbooks from accepting wagers on high school sporting events.
Can Arizona sportsbooks offer live betting?
Yes. In-game and in-play wagering are permitted on approved events and markets.
Who regulates Arizona sportsbooks?
The Arizona Department of Gaming regulates the state’s event-wagering market.
What is the Arizona sportsbook tax rate?
Arizona charges operators a 10% privilege fee on qualifying mobile event-wagering revenue and 8% on qualifying retail revenue.
How many sportsbook licenses can Arizona issue?
Arizona allows up to 20 full event-wagering operator licenses: ten reserved for Arizona tribes and ten reserved for qualifying sports organizations. The state separately authorizes up to ten limited event-wagering licenses for racetracks and additional wagering facilities.
How do I complain about an Arizona sportsbook?
First file a written complaint with the sportsbook. Arizona requires the operator to investigate and respond in writing within 10 business days. If reasonable attempts to resolve the issue fail, the unresolved dispute can then be submitted to the Arizona Department of Gaming.
Does Arizona have statewide sportsbook self-exclusion?
Yes. Arizona’s Event Wagering and Fantasy Sports self-exclusion program offers one-year, five-year and ten-year exclusion periods and applies to licensed sportsbook facilities and online platforms throughout the state.
Do all Arizona sportsbooks offer the same odds?
No. The 12 live sportsbooks set their own lines, prices, prop thresholds, limits and promotions. Comparing several books can produce a materially better wager.
SportsIntensity Bottom Line
Arizona has developed into one of the deeper regulated sportsbook markets in the West. Twelve live mobile operators give bettors substantially more choice than the handful of apps available in many states, and Circa Sports has already been licensed as a possible future addition.
The market also has more variety than a list dominated exclusively by FanDuel and DraftKings would suggest. Desert Diamond is connected directly with the Tohono O’odham Nation. Betcris gives Arizona bettors another pricing-oriented option. Hard Rock Bet works with the Navajo Nation. BetRivers, Bally Bet and theScore Bet add still more independent prices to the screen.
Arizona’s college rules are the feature most likely to surprise bettors arriving from another state. College games are legal betting events, but collegiate proposition wagers are not. A prop that appears in another sportsbook jurisdiction can therefore be correctly absent from the Arizona version of the same app.
For ordinary betting, the main advantage is competition. Compare the actual spread, moneyline, total, prop threshold and juice. Treat rewards as secondary. Check whether a sportsbook is currently operating rather than relying on an old Arizona list. And remember that twelve apps provide twelve opportunities to find a better price—not twelve separate betting budgets.