Carol Clayton is engaged to a wealthy gentleman, Hartley Madison, who purchases a substantial amount of stock through her father, Frank Clayton, a prominent bookmaker. However, fortunes take a turn when Frank passes away, leaving Carol to settle his debts. Among these debts is one owed to Duke Bradley, a savvy gambler who sees an opportunity to get even and earn more money by offering to help settle them. Duke proposes a scheme to ensure Carol's financial security: she should marry Hartley so Duke can use inside information to place bets and make a fortune at the horse races. Though reluctant, Carol agrees to Duke's plan, hoping it will save her father's business legacy.

As Duke and Carol spend time together at the Saratoga racecourse, an unexpected bond begins to form between them. Despite their initial arrangement based on financial gain and deception, they begin to struggle with their feelings as they navigate the complex world of high-stakes gambling and horse racing. Meanwhile, misunderstandings and comical situations unfold amid a backdrop of glamorous and competitive racing events. Carol finds herself torn between her obligation to her fiancé and her growing affection for Duke. As tensions rise and personal stakes grow higher, the characters are forced to confront their true motivations and desires, leaving them at a crossroads where love, loyalty, and ambition collide.