Zula lets players redeem from 50 Sweeps Coins, half of the 100 SC that Chumba requires before any prize redemption. Each site also excludes 16 states from prize play, though the two lists differ. Clovr recommends neither brand and points players to Mega Bonanza, McLuck and Hello Millions, where no purchase is necessary.
The Chumba and Zula facts on this page come from Chumba Sweeps Rules 26.1 and Zula Sweepstakes Rules 2.7. Clovr read both documents on October 28, 2026, along with each operator’s Terms and Conditions.
150% First Purchase Offer
Up to 660K GC
303SC Free
- 130K GC Referral Offer
- Great refer a friend program
- Gold Coins Mega Jackpots
- 4 SC Mail-in Offer
Age 21+. No purchase necessary. Void where prohibited by law. Not available in AL, CA, CT, DE, ID, IN, KY, LA, ME, MD, MI, MT, NV, NJ, NY, TN, WA and WV. Additional T&Cs apply.
Sign-up Offer
7,500 Free Gold Coins
+ 2.5 Sweeps Coins
- Exclusive McJackpot
- Social Media Competitions
- Refer a friend Bonus
- GC: free-to-play
Terms 18+
Welcome Bonus
15,000 Free GC
+ 2.5 Sweeps Coins
- GC Progressive Jackpot
- Prize Drops & Tournaments
- Refer a friend for 30,000 GC
- Social Media Promos
Terms 18+
Chumba vs Zula Verdict by Player Type
Zula wins for players with small balances, thanks to a 50 SC redemption floor and an 18 plus age minimum. Chumba wins on stated payout timing, because its Terms say cash prizes may take up to 10 business days. Zula’s rules allow identity checks to run for up to one month after documents arrive.
Both sites run the same two-coin model, which is a prize promotion under US sweepstakes law. Gold Coins have no prize value and are for social play only. Sweeps Coins won through play are redeemable for cash prizes at $1 per SC.
Clovr does not recommend Chumba or Zula as of October 2026. Players who want a lower first redemption should look at Mega Bonanza, which allows gift card prizes from 10 SC. That option and two others are compared in the alternatives section below.
Chumba and Zula Side by Side
Zula’s rules are looser on age and redemption size, while Chumba’s are firmer on processing time. Each row draws on the documents Clovr opened on October 28, 2026, with clause numbers where the rule has one.
| Rule | Chumba | Zula |
|---|---|---|
| Rules document | Sweeps Rules 26.1, September 16, 2026 | Sweepstakes Rules 2.7, October 27, 2026 |
| Terms document | Terms and Conditions 27.1, September 16, 2026 | Terms and Conditions 2.4, July 31, 2026 |
| Platform operator | VGW Malta Limited (T&Cs 2.1) | SCPS LLC, Delaware (T&Cs preamble) |
| Sweepstakes sponsor | VGW Games Limited, Malta (Rules 2) | SCPS LLC (Rules preamble) |
| Minimum age for prize play | 21 or the local age of majority, whichever is later (Rules 1.1(c)) | 18 or the local age of majority, whichever is later (Rules 1.1.11) |
| States excluded from prize play | 16 (Rules 1.1(b)) | 16 (Rules 1.1.8) |
| States excluded from all play | 6 (T&Cs, Excluded Territory) | 5 (T&Cs 1.1.6) |
| Sign-up reward in the rules | Not listed among the four collection methods (Rules 3.2) | Listed, amount not stated (Rules 3.2.5) |
| Daily bonus | Once a day, at the operator’s election (Rules 3.2(c)) | Only when the SC balance is below an operator threshold (Rules 3.2.2) |
| Free entry method (AMOE) | Online request with a photographed handwritten card (Rules 3.2(d)) | Handwritten request mailed to Ontario, Canada (Rules 3.2.4) |
| SC per valid free entry | 5 SC | 5 SC |
| Default playthrough | 1x, up to 20x at the operator’s discretion (Rules 4.6) | 1x, higher multiples at the operator’s discretion (Rules 4.13) |
| Minimum redemption | 100 SC (Rules 6.5) | 50 SC (Rules 5.3) |
| Redemption requests | One per 24 hours (T&Cs 8.15) | Operator may limit to one per 24 hours (Rules 5.6) |
| Daily redemption limit | Operator may limit to $10,000 a day (Rules 6.8) | 9,550 SC a day (Rules 5.14) |
| Florida cap per spin or play | $5,000 (Rules 6.7) | 4,900 SC (Rules 5.13) |
| Cash processing time | Up to 10 business days, operator-stated (T&Cs 8.16) | No fixed window; verification up to one month, operator-stated (Rules 6.1) |
| Extra checks trigger | Redemptions over $2,000 (T&Cs 9.3) | Redemptions over $2,000 (Rules 5.9) |
| SC expiry | 60 days after last login (Rules 3.7) | 60 days after last login (Rules 9.2) |
| Dispute process | Individual arbitration with an opt-out window (Rules preamble) | Individual arbitration with an opt-out window (Rules preamble) |
Zula Has the Lower Redemption Minimum
Zula wins on redemption size, because its Rules 5.3 set a 50 SC minimum. Chumba’s Rules 6.5 require 100 eligible SC before Chumba processes any prize, cash or gift card. At $1 per SC, a Zula player can request a $50 prize, while a Chumba player needs $100.
Free entries show the gap in practice, since each site awards 5 SC per valid request. Reaching the minimum from free entries alone takes 20 requests at Chumba and 10 at Zula, before any play results. Both sites also require SC to be played through at least once before redemption.
Caps and Request Limits at Chumba and Zula
Chumba’s Terms allow one redemption request per 24 hours, as a fixed rule in clause 8.15. Zula’s Rules 5.6 say the operator may elect the same one-request limit. Zula also caps daily requests at 9,550 SC, while Chumba reserves the right to limit redemptions to $10,000 a day.
Both operators run extra checks on redemptions over $2,000, which can include photo ID and proof of address. Zula’s Rules 5.11.2 add that missing documents after 30 days can lead to a refused prize or a closed account.
How Long Chumba and Zula Take to Pay
Chumba’s Terms clause 8.16 states that cash prizes may take up to 10 business days to reach a bank account. Zula publishes no fixed processing window and says requests are handled in the order received. Its Rules 6.1 add that verification may take up to one month after all documents arrive.
Chumba and Zula Exclude Different States
Chumba and Zula each exclude 16 states from prize play, and 14 of those states appear on both lists. The four states below are where the two rulebooks disagree. Rules can change without notice, so check the current version before you sign up.
| State | Chumba prize play (Rules 26.1, 1.1(b)) | Zula prize play (Rules 2.7, 1.1.8) |
|---|---|---|
| Mississippi | Excluded | Not excluded |
| West Virginia | Excluded | Not excluded |
| Illinois | Not excluded | Excluded |
| Oklahoma | Not excluded | Excluded |
Oklahoma’s SB 1589 takes effect on November 1, 2026, after Chumba published its September 16 rules. Verify current laws in your jurisdiction before playing.
Gold Coin Play Reaches More States Than Prize Play
Both operators allow Gold Coin play in some states where Sweeps Coins are off limits. Chumba’s Terms bar all play in 6 states, and Zula’s Terms bar all play in 5. In the remaining excluded states, the Terms allow an account, but the rules bar Sweeps Coins play and redemption.
Minimum Age at Chumba and Zula
Chumba requires players to be at least 21 or the local age of majority, whichever is later. Zula sets the floor at 18 or the local age of majority, whichever is later. A 19-year-old can be old enough for Zula’s prize play in some states but is always too young for Chumba’s.
Zula Keeps Mail-In Entry While Chumba Moved Online
Zula wins for players who prefer a paper entry, because its Rules 3.2.4 still accept handwritten requests by mail. Chumba’s Rules 26.1 replaced mail-in entry with an online request, which the August 2025 rules version still offered by post. Both routes pay 5 SC per valid request.
How Chumba’s Online Request Works
Chumba’s free entry, its alternative method of entry (AMOE), now runs inside the account. The steps below follow Rules 3.2(d) in version 26.1.
- Sign in and open the Entry Request link at the bottom of the site or app.
- Complete the entry acknowledgment form and an on-screen human check.
- Reveal the unique wording on the entry request template.
- Handwrite that wording in black or blue pen on a blank 4 x 6 inch card or white paper.
- Photograph the card inside the on-screen frame, then complete a selfie check if the site asks for one.
How Zula’s Mail-In Request Works
Zula’s free entry starts with a one-time Mail Code from the Mail Code page in your account. The handwritten request goes in a stamped #10 envelope to PO Box 170 in Thornhill, Ontario, Canada.
Each request must be mailed from the state on your account. Identity checks are required before the reward can be redeemed.
Zula also lists other free SC sources in Rules 3.2, including sign-up, phone verification and Facebook connection rewards. Its daily bonus pays only when your balance sits below an operator threshold. Chumba’s rules list Facebook giveaways and a Daily Bonus paid at the operator’s election.
Chumba’s Operator Faces Two State Actions in 2026
Florida’s Attorney General sued VGW over Chumba Casino on August 19, 2026, in Hillsborough County Circuit Court. The complaint alleges that Chumba and two other VGW brands break Florida’s gaming laws and its deceptive trade practices act. The suits seek injunctions, restitution and civil penalties.
New York’s Attorney General secured $8 million from VGW in a settlement announced on September 9, 2026. The office said it sent VGW a cease-and-desist letter in June 2025.
New York is now on Chumba’s excluded list. Clovr found no comparable state action naming Zula’s operator in searches on October 28, 2026.
Pick Chumba or Pick Zula
Pick Chumba if you are 21 plus in an accepted state and want a stated cash limit of 10 business days. Chumba suits players who can build a 100 SC balance and want a once-a-day request rule set in the Terms.
Pick Zula if you are 18 plus in a state its rules accept and want to redeem from 50 SC. Zula suits players who prefer mail-in entry and can wait through an identity check of up to one month.
Alternatives to Chumba and Zula With Lower Gift Card Minimums
Mega Bonanza, McLuck and Hello Millions publish lower gift card minimums than either Chumba or Zula. Each site’s rules set a 10 SC gift card minimum and a 1x playthrough. No purchase is necessary at any of the three, and each accepts mail-in requests.
| Site | Rules version | Minimum age | Sign-up SC | Mail-in SC per request | Cash minimum | Gift card minimum |
|---|---|---|---|---|---|---|
| Mega Bonanza | 2.0, May 27, 2026 | 21 | Up to 3.55 SC over first three login days | 4 SC | 50 SC | 10 SC |
| McLuck | 1.9, May 5, 2026 | 21 | Up to 3.55 SC over first three login days | 4 SC | 75 SC | 10 SC |
| Hello Millions | 1.9, February 23, 2026 | 21 | Up to 3.55 SC over first three login days | 4 SC | 75 SC | 10 SC |
| Chumba (for reference) | 26.1, September 16, 2026 | 21 | Not listed in the rules | 5 SC | 100 SC | 100 SC |
| Zula (for reference) | 2.7, October 27, 2026 | 18 | Listed, amount not stated | 5 SC | 50 SC | 50 SC |
State availability for these three sites comes from each operator’s Terms of Service, which change over time. Check the excluded list on the site’s Terms page for your state before you register.
Mega Bonanza
Mega Bonanza matches Zula’s 50 SC cash minimum and adds a 10 SC gift card option, under Rules version 2.0. After passing checks, new accounts can get up to 3.55 free Sweepstakes Coins over three daily logins. No purchase is necessary, and each valid mail-in request earns 4 SC.
Players must be at least 21 to enter. Florida prizes are capped at $5,000 per spin, and the operator may limit redemptions to $10,000 a day. Clovr’s full Mega Bonanza review is the next step for players weighing the site.
McLuck
McLuck pays up to 2.50 free Sweepstakes Coins a day for regular logins, under Rules 3.2.2 of version 1.9. Its cash minimum is 75 SC, and gift card prizes start at 10 SC. No purchase is necessary, and the mail-in route pays 4 SC per valid request.
McLuck requires players to be 21 or older. All Sweepstakes Coins must be played through at least once before they count toward a redemption. Clovr’s full McLuck review is the next step for players weighing the site.
Hello Millions
Hello Millions uses the same redemption floors as McLuck: 75 SC for cash and 10 SC for gift cards. Its Rules version 1.9 also list weekly random draws for free Sweepstakes Coins, with at least 100 winners each week. No purchase is necessary, and each valid mail-in request earns 4 SC.
Hello Millions requires players to be at least 21. Clovr’s full Hello Millions review is the next step for players weighing the site.
Clovr’s guide to how sweepstakes casinos work covers the two-coin model. The Sweeps Coins explainer goes deeper on the redeemable coin.
The free SC coins guide is Clovr’s hub for no-purchase Sweeps Coins offers. For state questions, start with Clovr’s answer on whether sweepstakes casinos are legal.
Chumba vs Zula FAQ
Is Zula better than Chumba?
Zula has the friendlier rules for small balances, with a 50 SC redemption minimum against Chumba’s 100 SC. Chumba states a firmer cash payout window of up to 10 business days.
What is the minimum redemption at Chumba and Zula?
Chumba requires 100 Sweeps Coins before it processes any prize, under Rules 6.5. Zula’s minimum is 50 Sweeps Coins, under Rules 5.3 of version 2.7.
Do Chumba and Zula accept the same states?
No. Each excludes 16 states from prize play, and 14 overlap. Chumba alone excludes Mississippi and West Virginia, while Zula alone excludes Illinois and Oklahoma.
How old do you have to be to play Chumba or Zula?
Chumba requires players to be 21 or the local age of majority, whichever is later. Zula’s prize play is open from 18, or the local age of majority if that is higher.
Can you get free Sweeps Coins at Chumba and Zula without buying anything?
Yes. Each site awards 5 SC per valid free entry request. Chumba takes a photographed handwritten card online, while Zula takes handwritten requests by mail to Ontario, Canada.
Does Chumba still accept mail-in requests?
No. Chumba’s Sweeps Rules version 26.1 replace postal requests with an online request. It uses a photographed handwritten card and a possible selfie check.
Are Chumba and Zula owned by the same company?
No. Chumba is operated by VGW Malta Limited, part of the VGW Group. Zula is operated by SCPS LLC, which lists a Delaware business address.
Related Reading
These Clovr guides cover related sweepstakes topics.
- The sweepstakes casinos hub is the main entry point to Clovr’s sweepstakes reviews and guides.
- Clovr’s sweepstakes casinos by state index is where Clovr’s state-by-state guides begin.
- The highest payout sweepstakes casinos guide is the next stop for readers focused on prize redemption.
- Clovr’s responsible gaming page is the place to start for help keeping sweepstakes play under control.
Clovr may earn a commission when you sign up through affiliate links on this page. This never affects our reviews, which stay independent and unbiased.
Sweepstakes play should stay fun. If you or someone you know needs support, visit the National Council on Problem Gambling at ncpgambling.org or call 1-800-GAMBLER.
