Need for Speed: High Stakes is an action racing game available on Windows that builds upon its predecessors by introducing new gameplay modes and features. Players can select from a wide variety of exotic sports cars and race on diverse tracks, experiencing the thrill of high-speed chases. The game retains the popular Hot Pursuit mode, where players navigate through regular traffic while being pursued by police, and expands this with two additional modes: Getaway and Time Trap, each offering unique challenges and gameplay mechanics.

This installment marks the debut of Career mode, allowing players to undertake a series of challenges to earn trophies, unlock new vehicles, and enhance their cars with upgrades. The title also introduces a betting system where players can wager their cars in high-stakes races. Notably, the game features detailed physics models that impact both the visual and performance aspects of the cars, adding a layer of realism to the racing experience.