re: I played one of those local white football cards for the first time in 25 yrs

Most LV joints pay 20/1 to 22/1 on five-teamers, and pushes/ties reduce to the next amount of teams played, not lose like local cards of which the makers discard the easiest games, aim for games of 3 and 7 pt spreads, set bogus spreads on key numbers by moving-on-air, and/or also most local teams/conferences discarded as to keep them from getting lopsided in action.

Some Vegas groups even have ties win action, like Michael Gaughan owned hotels/sportsbooks(formerly owned Barbary Coast and the Coast properties..now has South Point)

https://wizardofodds.com/games/sports-betting/parlay odds/