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To keep some of the wealthiest gamblers happy, Las Vegas casino owner, Donald Sinclair (Cleese) sets up a human "rat race." Selected at random, six ordinary people are told that there is a duffle bag filled with $2 million in cash locked in a locker in Silver City, New Mexico. The first one to reach it, keeps it all... and there are no rules.

The racers travel by any means necessary - car, train, plane, foot etc., and they are not above cheating each other. Meanwhile, all are being secretly watched by Sinclair's wealthy tycoons who make bets on who will win the cash.