NFL Divisional Round Parlays: Every Four-Team Combination

From a "Chalk Party" to the biggest longshot (and everywhere in between), we break down every ML parlay combo for this weekend — and share which ones our NFL experts like the most.

James Bisson - Head of Content, Betting
James Bisson • Head of Content, Betting
Jan 15, 2026 • 12:03 ET • 4 min read
NFL Divisional Round parlays Puka Nacua
Photo By - Reuters Connect. Los Angeles Rams wide receiver Puka Nacua (12) scores a touchdown in the NFL playoffs.

In the latest edition of Fun With Covers Math: We're now down to eight teams remaining in the quest for Super Bowl glory.

That means 16 different winning combinations for this weekend's games – each representing a different potential four-game moneyline parlay. We ranked those 16 combos according to overall value, and asked each of our NFL analysts to share their favorite parlays for the NFL Divisional Round.

NFL Divisional Round Four-Team Parlays

(Odds courtesy FanDuel Sportsbook)

Parlay Teams Odds
The Chalk Party Bills Seahawks Patriots Rams +495
The Chalk Soiree Broncos Seahawks Patriots Rams +495
3 Faves + a Medium Upset Bills Seahawks Texans  Rams +728
East Coast, Least Coast Broncos Seahawks Texans Rams +728
Home Cookin' Broncos Seahawks Patriots Bears +1004
The Wet, Frigid Winter Bills Seahawks Patriots Bears +1004
The Cold Open  Broncos Seahawks Texans Bears +1452
The Port City Parlay  Bills Seahawks Texans Bears +1452
Three Faves + a Big Upset Bills 49ers Patriots Rams +1743
The Fantastic Four Broncos 49ers Patriots Rams +1743
Southern Hospitality Broncos 49ers Texans Rams +2470
From Border to Bay Bills 49ers Texans Rams  +2470
The Brandon Lloyd Broncos 49ers Patriots Bears +3252
Decades of Dominance Bills 49ers Patriots Bears +3252
The Big One (Broncos) Broncos 49ers Texans Bears
+4839
The Big One (Bills) Bills 49ers Texans Bears +4839

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"The Chalk Party"

Bills / SeahawksPatriots / Rams

Approximate Odds: +495

Bills moneyline

Seahawks moneyline

Patriots moneyline

Rams moneyline

This is for anyone looking for the best statistical chance at a parlay win. After all, Ws are Ws. And don't you dare let your group chat buddies make you feel bad about this one.


"The Chalk Soiree"

Broncos / Seahawks / Patriots / Rams

Approximate Odds: +495

Broncos moneyline

Seahawks moneyline

Patriots moneyline

Rams moneyline

A slightly fancier get-together than "The Chalk Party", by virtue of Denver's status (according to AI) as a more fashion-focused city than Buffalo, which is described by ChatGPT as "gritty and regional". Ouch.


"3 Faves and a Medium Upset"

Bills / Seahawks / Texans /  Rams

Approximate Odds: +728

Bills moneyline

Seahawks moneyline

Texans moneyline

Rams moneyline

There's no shame in feeling a little less spicy – and while the ramp-down from the San Francisco ML to a Houston moneyline play trims the payout significantly, you're still making out nicely while reducing your risk noticeably.


"East Coast? Try Least Coast"

Broncos / Seahawks / Texans / Rams

Approximate Odds: +728

⭐  Endorsed by: Josh Inglis, Rohit Ponnaya, Todd Fuhrman    

Broncos moneyline

Seahawks moneyline

Texans moneyline

Rams moneyline

A number of these four-team combinations leave the East Coast out altogether (New England and Buffalo are the only remaining teams adhering to EST), and this isn't even the most Pacific we can get (since we could have three West Coast teams in the conference finals). But it's still quite unkind to east-based U.S. fans.


"Home Cookin'"

Broncos / Seahawks / Patriots / Bears

Approximate Odds: +1014

⭐  Endorsed by: Jason Logan

Broncos moneyline

Seahawks moneyline

Patriots moneyline

Bears moneyline

Look. Some of you like betting the home teams. We get it! This parlay is for you. But home-field advantage ain't what it used to be.


"The Wet, Frigid Winter"

Bills / Seahawks / Patriots / Bears

Approximate Odds: +1014

Bills moneyline

Seahawks moneyline

Patriots moneyline

Bears moneyline

If you live in or have visited any of these cities, you know that Mother Nature has thumbed her nose at them from a weather perspective. This one's for those of you whose belief in good weather karma playing out in NFL playoff form.


"The Cold Open" 

 Broncos / Seahawks / Texans / Bears

Approximate Odds: +1452

⭐  Endorsed by: Neil Parker, Joe Osborne

Broncos moneyline

Seahawks moneyline

Texans moneyline

Bears moneyline

Actual Betting Content Alert: The four teams that make up this parlay all ranked inside the top 7 in fewest first-quarter points allowed during the regular season. If they can throw their opponents off rhythm early this weekend, you might have yourself a nice parlay play. 


"The Port City Parlay"

BillsSeahawks / Texans / Bears

Approximate Odds: +1452

⭐  Endorsed by: Jake Butt

Bills moneyline

Seahawks moneyline

Texans moneyline

Bears moneyline

This parlay is for those of you looking to ship a big win. Your bankroll is precious cargo, after all, and leaning into this theme could help manifest a victory. You're docking yourself compared with larger payouts on this list, but you could be in for smoother sailing as a result. (I am so, so sorry.)


"3 Faves and a Big Upset"

Bills / 49ers / Patriots /  Rams

Approximate Odds: +1743

Bills moneyline

49ers moneyline

Texans moneyline

Rams moneyline

Feels a bit like cheating, no? Hit on three of the four favorites, hope that the Niners are sufficiently motivated (and can field enough healthy players) against Seattle, and boom! A healthy parlay payout. Responsible risk. I like it.


"The Fantastic Four"

Broncos / 49ers / Patriots /  Rams

Approximate Odds: +1743

Broncos moneyline

49ers moneyline

Patriots moneyline

Rams moneyline

Winning one Super Bowl is difficult enough. But each of these franchises has multiple titles to their credit – and that kind of championship pedigree is difficult to ignore. Winners produce winners, am I right?


"Southern Hospitality"

Broncos / 49ers / Texans / Rams

Approximate Odds: +2470

Broncos moneyline

49ers moneyline

Texans moneyline

Rams moneyline

Cadillac grills. Cadillac mills. Check out the oil my Cadillac spills. Let Ludacris be the north star for this Divisional Round parlay built around teams located in the southern regions of the United States.


"From Border to Bay"

Bills / 49ers / Texans / Rams

Approximate Odds: +2470

⭐  Endorsed by: Jon Metler, John Middlekauff

Bills moneyline

49ers moneyline

Texans moneyline

Rams moneyline

Anyone who watched Sesame Street is familiar with the "one of these things just doesn't belong here" trope. In this case, the "thing" is Buffalo, a veritable minnow population-wise compared to metropolitan giants San Francisco, Houston and Los Angeles. Little guys are great for parlays!


"The Brandon Lloyd"

Broncos / 49ers / Patriots / Bears

Approximate Odds: +3252

Broncos moneyline

49ers moneyline

Patriots moneyline

Bears moneyline

Only one player in NFL history has caught a pass for the Broncos, 49ers, Patriots, and Bears. I'll give you one guess.


"Decades of Dominance"

Bills / 49ers / Patriots / Bears

Approximate Odds: +3252

Bills moneyline

49ers moneyline

Patriots moneyline

Bears moneyline

Did You Know? 1) The Bears won the fifth-most games in the 1980s (along with their only Super Bowl title); 2) The 49ers and Bills ranked 1-2 in victories in the 1990s; 3) The Patriots won more games in the 2010s than any other NFL franchise. Decades! Of! Dominance!


"The Big One (Broncos Edition)"

Broncos / 49ers / Texans / Bears

Approximate Odds: +4839

Broncos moneyline

49ers moneyline

Patriots moneyline

Bears moneyline

Let's get crazy! This is the max ML payout, so if you go this route, know that you're quite likely going to be donating your proceeds to whatever your sportsbook of choice does with all of those squashed parlay dollars. 


"The Big One (Bills Edition)"

Bills / 49ers / Texans / Bears

Approximate Odds: +4839

Bills moneyline

49ers moneyline

Texans moneyline

Bears moneyline

Here's the max ML payout with the Bills in place of the Broncos; I'm not sure if it would be more or less devastating to potentially lose this parlay with a Bills defeat or a Broncos setback, but it sure feels like the Buffalo L would hit harder.

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James Bisson
Head of Content, Betting

James Bisson is the Editor-in-Chief at Covers. He has been a writer, reporter and editor for more than 20 years, including a nine-year stint with The Canadian Press and more than five years at theScore. He has covered dozens of marquee events including the 2010 Winter Olympics, the 2006 Stanley Cup final and Wrestlemania 23, and his work has appeared in more than 200 publications, including the Los Angeles Times, the Guardian, Yahoo! Sports, the Toronto Star and The Globe and Mail.

His book, “100 Greatest Canadian Sports Moments”, was a hardcover best-seller in Canada in 2008 and earned him appearances on CBC Radio and Canada AM. He has written more than 50 sportsbook reviews, more than 200 industry news articles, and dozens of other sportsbook-related content articles.

A graduate of the broadcast journalism program at Ryerson University (now Toronto Metropolitan University), James has been an avid bettor since the early 2000s, and cites bet365 as his favorite sports betting site due to its superior functionality and quick payouts. His biggest professional highlight: Covering Canada's first Olympic gold medal on home soil – and interviewing Bret Hart. Twice.

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