Money Line Football Odds. If you don’t like pointspreads on the football odds board then just pick the winner of the game, lay the extra money or get plus money in NFL odds. Football odds in terms of a money line are available on many college and NFL games. The money line is where a gambler will lay odds on a favorite or take football odds on a dog on a straight up basis with no pointspread involved. Let’s look at money lines in college and NFL odds.