A movie from 80s-90s about a guy that has a valuable ticket (card?)

When I was a child I remember that I saw a movie about a kid who owns a very valuable card (or ticket?) … I remember that the kid has to travel … it was a horror movie … does anyone knows the name of this movie? thanks in advance

"The Last Action Hero? It’s not a horror movie, beside the villain who looks scary.

here are more details:

  • Each card has a letter
  • The characters were looking for the cards to complete a word
  • If they completed the word they earned a big prize in money