NFL Parlays & Picks: Best Bets for Divisional Round Playoffs (2026)

by Matthew MacKay |
Jan 13, 2026

The NFL Wild Card weekend is nearly completed, and we’ve seen most underdogs play well. The Bears, Bills, and 49ers all won outright as underdogs, while the Panthers covered as a +10.5 point home underdog during a narrow 34-31 loss to Matthew Stafford and the Los Angeles Rams.

Josh Allen willed the Bills to a late go-ahead touchdown, scoring twice on the goal-line to beat Jacksonville on the road. Then, San Francisco overcame an injury to star TE George Kittle, leaning on RB Christian McCaffrey to score a pair of clutch touchdowns to eliminate the Philadelphia Eagles at home. Only Justin Herbert and the Los Angeles Chargers failed to generate production, losing to the New England Patriots 16-3 as a +3.5 point road underdog.

My NFL Parlays & Picks: Best Bets for Wild Card Playoffs (2026) settled 1-1. These picks went 3-1 SU, with the lone loss stemming from the Jaguars’ moneyline. Our +110 parlay of Rams moneyline and Bears +1.5 cashed with each offense mounting a late touchdown drive to overcome a deficit. The 49ers +3.5 cashed with San Francisco’s outright win, and we nearly cashed our second +290 parlay, until Josh Allen punched in the winning touchdown on the goal-line with a minute left to defeat Jacksonville.

Despite the Texans and Steelers game still pending on Monday Night Football, let’s look ahead to next weekend’s NFL Divisional Round matchups to lock in a couple of early week parlays. Follow me on X at Matt_MacKay_ for more NFL betting analysis and free picks.

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NFL Early Week Parlays: Divisional Round Playoffs

(Odds courtesy of FanDuel Sportsbook)

Parlay 1 (+247)

Leg 1: Buffalo Bills Moneyline (-124)

Josh Allen and the Buffalo Bills handed the Jaguars their first loss in nine games on the road during a gutsy win in the Wild Card. The Bills’ defense forced two interceptions and overcame allowing 154 rushing yards by leaning on their Allen’s arm.

Buffalo erased three separate deficits against Jacksonville. Now, they’ll head west to face the Denver Broncos’ third-ranked scoring defense. However, Buffalo can likely turn back to James Cook as their primary offensive weapon, with the Broncos giving up 80 or more rushing yards in five of its past six games played.

Denver lost 34-20 at home to Jacksonville in Week 16. Despite holding home field advantage, Broncos QB Bo Nix has been prone to miscues and turnovers, which could snowball against a stout Buffalo secondary.

Without RB J.K. Dobbins, Denver will need to get the most out of rookie RB RJ Harvey to exploit Buffalo’s porous run defense. Allen is going to be tasked with less big-time throws to make with Cook drawing a better matchup against the Broncos’ run defense, while Nix finds himself in a tougher matchup.

Let’s bet on the Bills as a small -124 moneyline road favorite at Mile High for our first leg of this NFL Divisional Round parlay.

Leg 2: San Francisco 49ers vs. Seattle Seahawks – Under 45.5 Points (-108)

We’ve got an exciting NFC West rivalry game set for a Divisional Round showdown at Lumen Field when the Seattle Seahawks host the San Francisco 49ers. We just saw Seattle shut down Brock Purdy and the 49ers’ offense during a 13-3 road win to claim the No. 1 seed in the NFC during Week 18.

The Seahawks’ defense is arguably the best unit left in the playoffs, aside from the Houston Texans. Under head coach Mike Macdonald, Seattle ranks first in scoring defense, holding San Francisco to 20 total points in both of their regular season matchups.

The 49ers are coming off a 23-19 road win against the Eagles. San Francisco held Jalen Hurts and Saquon Barkley to six points in the second half, leading to their go-ahead touchdown with Christian McCaffrey in the final three minutes.

Seattle’s offense is not consistent. QB Sam Darnold has defied expectations this season, but we’ve seen the Seahawks held to 13 points in both outings against San Francisco this year. The Seahawks have been held under 20 points by the Colts and 49ers since Week 15.

Let’s bet under 45.5 total points to boost this NFL Divisional Round parlay to +247 odds. This line has gone under in three of Seattle’s past four games, while the 49ers have also gone under 45.5 against four of their previous seven opponents.

Parlay 2 (+194)

Leg 1: San Francisco 49ers +7.0 (-102)

We’re going to stay with San Francisco and Seattle for the first leg of our second NFL Divisional Round parlay. This matchup is going to be a tight one, so the 49ers catching +7.0 is a bit too much to fade.

Yes, George Kittle won’t be on the field due to an injury sustained against the Eagles. Yet, Brock Purdy has been playing well down the stretch, even though the Seahawks limited the 49ers’ offense to three points in Week 18.

Purdy can extend plays with his legs, while star RB Christian McCaffrey’s versatility as a receiver makes it tough for defenders to contain his explosiveness. Other targets who stepped up in Kittle’s absence during the Wild Card win over the Eagles included WR Demarcus Robinson and FB Kyle Juszczyk, while McCaffrey’s 6-66 and two touchdown receptions were the focal point.

49ers WR Jauan Jennings was quiet against the Eagles, but he did throw a touchdown to McCaffrey, which he’s done in numerous playoff appearances. Perhaps the biggest upgrade in this rematch is LT Trent Williams, who played every snap against Philadelphia, allowing Purdy to operate Kyle Shanahan’s offense with more time in the pocket.

Seattle’s offense is not good enough to warrant a -7.0 point price on the spread. Plus, the Seahawks have not been at their best at home this season, with two of three losses coming at Lumen Field, while narrowly avoiding a third home loss to the Rams in Week 16 during an overtime win.

Let’s bet on San Francisco to cover +7.0 on the road against Seattle’s top-ranked defense to potentially punch a ticket to their fourth NFC Championship Game in five years.

Leg 2: Los Angeles Rams Moneyline (-205)

Matthew Stafford and Puka Nacua will prepare for cold and blustery conditions on the road at Soldier Field against the Chicago Bears in this NFC Divisional Round matchup. The Rams are laying -3.5 on the road with a 50.5 point total.

Stafford, who is likely to win his first NFL MVP, mounted a late comeback win against the Carolina Panthers to avoid a huge upset in the Wild Card Round. Los Angeles now faces a Chicago Bears team that has managed to win most of its games via fourth quarter comebacks.

The Rams’ defense has regressed a bit, which is why I’m not interested in taking the -3.5 point spread. Los Angeles has allowed between 238 and 326 passing yards to five of its past six opponents. Bears QB Caleb Williams is going to take advantage of this weakness, which means this game is likely coming down to the wire.

Stafford has ice water in his veins. He won’t back down from a deficit on the road against a Bears defense that led the NFL in turnovers this season.

Chicago’s defense has surrendered between 296 and 322 passing yards in three straight games. Stafford is going to pick apart the secondary, likely leading to the Rams scoring 34 or more points for the sixth time in seven games.

The Bears won’t be an easy out, especially at home with a team that tends to play its best football in a deficit. However, Rams head coach Sean McVay and Stafford have Super Bowl pedigree. They will be able to exploit Chicago’s porous defense, which has allowed over 420 yards to three straight opponents.

Let’s insert the Rams’ moneyline at -205 odds to boost our second NFL Divisional Round parlay to +194 odds. -205 is a much longer price than what we landed against Carolina at -620 odds, so let’s take advantage of this number before Los Angeles and Chicago kick off from Soldier Field on Sunday afternoon.

Matthew MacKay is a featured writer for BettingPros and FantasyPros. For more from Matthew, check out his archive and follow him @Matt_MacKay_.

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