text: Jock itch is a fungus.\n\nJock itch is best treated with topical creams or ointments since the fungus only affects the top layer of skin. Many of the antifungal medications require a prescription, but there are three that can be bought over-the-counter (OTC). The OTC antifungals are tolnaftate (Tinactin), clotrimazole (Lotrimin), and miconazole (Micatin).