Blackjack is a card game which, along with Roulette and Slots, is the most popular game in casinos, both online and offline.
The game is played against a Dealer with the aim of getting a higher score than them and as close to 21 as possible without ‘Busting’ – going over. It is normally played with either 6 or 8 decks of cards and can involve several other Players, all of whom are playing directly against the Dealer.
How to Play Blackjack
Goal of the game
The aim of the game is to beat the Dealer’s hand. You do this by getting your hand as close to 21 as possible without going over this amount and ‘Busting’.
1. All numbered cards from 2 to 10 are counted at face value.
2. All picture cards (Jack, Queen, and King) count as 10.
3. An Ace can be either 1 or 11.
Setting-up the game
1. Set your budget – We recommend that you take the equivalent of 40 hands to a table before you sit down and start playing.
2. Choose your table – All will have a minimum and maximum amount you can bet, choose one where you can play a hand for around a fortieth of your budget. i.e. if you have a bankroll of £200, you should be looking at playing £5 per hand.
3. Take a seat – You can choose any empty seat at the table, more than one if you wish, and whilst the choice of seat makes no difference to the outcome of any given hand, the Dealer starts from one end when dealing and the action starts with the first Player to be dealt with and goes around until everyone has finished.
4. Decide how much you would like to change up and play with. These funds are then changed into Chips which are used for the game, you can cash them into real money and walk away at the end of any hand.
1. Place your bet (Remember, if there is room at the table you can play more than 1 hand if you do this you will need to place a bet for each hand you wish to play).
2. You will be dealt 2 cards face up so all other Players and the Dealer can view them.
3. The Dealer normally deals 2 cards for him/her, 1 face-up and 1 face down. Some versions of Blackjack see the Dealer giving themselves 1 card only at this point (in this case, the 2nd card is dealt face up after all Players have finished their actions).
4. You now need to decide your move on each of your hands. The 2 main choices are Hit or Stand. Hit means receive another card. Stand means you don’t want another card and you are satisfied with what you have. If you Stand, you take no further action in the hand, if you Hit you have the same decision to make again after receiving your next card. There are sometimes 3 other decisions you can make, Double, Split, and Insurance. These will be explained later.
5. After all, Players have completed their hands, the Dealer deals him/herself cards until they have at least 17. It is worth noting that the Dealer has no say in what they do, they have to Hit until they get at least 17, even if all Players have only 15 and the Dealer has 16.
6. Once the dealer has 17, 18, 19, 20 or 21 he will Stand. If he gets 22 or more, the dealer busts and all Players left in the hand win.
As mentioned above, there are 3 other actions you can sometimes take:
This Doubles your bet (you need to place a further bet the same amount as your initial bet) and gives you 1 further card, after which your hand is finished irrespective of what card you get. If you win, you get Double your total bet.
You would normally only Double if you have a 9, 10 or 11 and the Dealer doesn’t have an Ace or a 10 – See the chart below for more details.
If you get 2 cards of the same value, you can Split them and play with 2 hands, each containing 1 of the cards. You will need to pay a bet equal to your initial bet and you will get dealt another card for each hand. You then decide for each hand whether to Hit or Stand. If you get 21 after Splitting, this only counts as 21 and not Blackjack. If you Split Aces, you will only get dealt 1 more card and will then need to Stand. At most casinos, if your 2nd card is the same as the first, you will be allowed to Split again if you wish.
If the Dealer shows an Ace as their face-up card, all Players have the option of Insurance. If you choose to take Insurance, you will place a bet equal to half your initial bet. If the Dealer then gets Blackjack, so the 2nd card has a value of 10, you will get Double your bet, if not you lose the Insurance bet.
The game ends
1. The hand ends for a Player when either your hand goes over 21 meaning you Bust and lose your bet, or when the Dealer completes their actions.
2. Once the Dealer has completed their action, the payouts take place for all remaining Players still in the hand.
3. If you have a higher total than the Dealer and both totals are 21 or below, you win the hand and get Double your bet. If you and the Dealer have the same total, you Push the hand and get your stake back (Unless one of you has 21 with their first cards, known as Blackjack and the other has 21 with 3 cards or more, in which case whoever has Blackjack will win the Hand). If the Dealer has a higher total than you and both are 21 or less, the Dealer wins and you lose your stake.
4. If the Dealer gets over 21, they Bust and all remaining Players win Double their stake.
5. If you get 21 with 2 cards, you have Blackjack, and if the Dealer doesn’t have 21 with their first 2 cards, you get 1.5 your bet back, as well as the bet itself – equivalent to 2.5 times your bet. If the Dealer also has Blackjack, you Push and get your stake returned.
Example of how a Blackjack table may look, including details of the Payouts.
Hit means to draw another card. You can request a hit as many times as you like, but if your total goes over twenty-one, you will bust and lose the hand.
Stand means the player receives no more cards. The hand as it currently stands will be judged against the dealers.
If you have two cards of the same denomination, a Split button will appear. You can split your cards into two hands and play each hand separately. Your original bet will be duplicated for the new hand. Each hand will be played out as usual except when splitting Aces, where only one additional card per hand is dealt. The split option can only be used once per hand — you cannot split part of a split hand. Any winning 21 obtained after splitting a pair is paid 1-to-1.
If you select this option, two things will happen: you will get exactly one more card, your turn will end, and your bet will be doubled.
Where permitted (usually on a Blackjack Surrender table), a player may give up his first two cards and lose only one-half his original bet.
If you win the hand, you will get back your original bet plus the same amount in profit. A hand that consists of an Ace and any ten-value card is called a natural twenty-one, or a natural blackjack (except in the case of a Split hand – see details above). If you win with a natural blackjack, you will be paid off at three-to-two, which means you get your original bet back plus a 150% profit. (So if you bet £50 and win with a natural twenty-one, you get £50 (your bet) plus £75 (your bet plus half of your bet), which totals to £125).
Knowing the blackjack odds will make you a better player and hopefully beat the odds when playing at an online casino. If you want to apply any gambling strategy successfully you need to know the odds of the game you’re playing. It goes without saying but we’ll say it anyway: the odds are always in favor of the house. How else do you think they can create billion-dollar mega-casinos in Las Vegas? The Blackjack rules are carefully structured to ensure a house edge. But just how heavily are the Blackjack odds weighed in favor of the house? If you’re a smart player, you know the house edge not as great as one might think – and certainly not insurmountable. You will be able to calculate the following:
Blackjack odds variations
Odds of busting
Player advantage VS dealer up-card
Blackjack Odds Variations
If you want to be serious about playing blackjack you need to be able to calculate your odds for the game you’re playing. The blackjack odds depend on the different types of rule variations. Some online blackjack sites can be unclear about this so you need to pay attention. You can also adjust your blackjack strategy according to these rules. The following table shows the effect that rule variations have on the player’s expected return after taking the proper strategy adjustments. These changes are relative to the standard Atlantic City rules which results in a player’s expected return of -0.43%: 8 decks, dealer stands on soft 17, player can double on any first 2 cards, the player may double after splitting and the player may split to 4 hands. I will explain some of the rule variations under the table.
Five Card Charlie
Player 21-points is automatic winner
Early surrender against ace
Early surrender against ten
Player may double on any number of cards
Player may draw to split aces
Six card Charlie
Player may resplit aces
Late surrender against ten
Seven card Charlie
Late surrender against ace
Split to only 2 hands
No-peek: ace showing
Player may double on 9-10-11 only
No-peek ten showing
Player may not resplit
Player may not double after splitting
Player may double on 10-11 only
Blackjack pays 6-5
Player loses 17 ties
Blackjack pays 1 to 1
Player loses 17-18 ties
Player loses 17-19 ties
Player loses 17-20 ties
Player loses 17-21 ties
Dealer bust on 22 is a push
Five, six and seven-card Charlie:
a Charlie is an automatic winner, so in a six-card Charlie the player wins on any six-card hand that didn’t bust.
The dealer doesn’t peek to see if he has blackjack.
How to calculate? You start with the basic Atlantic City rules (-0.43%) and take the rule variations according to the game you are playing to calculate the effect it has on the expected return. For example “Player may double on any number of cards” (+0.23%) and “Player may not resplit” (-0.10%). The expected player return would now be -0.43% +0.23% -0.10%= -0.30%. These blackjack odds (-0.30%) are better for the player then under the standard Atlantic City rules (-0.43).
Blackjack Odds of busting
This table is used to calculate the blackjack odds of the player busting if he hits. This can be useful but I think a smart person already knows that if he hits on 16 he has more chances of busting when he hits on 12.
% Bust if hit
11 or less
Player advantage VS the dealers up-card
This table is more useful than the odds of busting, because it calculates how much the dealers up-card has a positive effect on your odds and the odds of him/her (the dealer) busting.
Dealer up Card
Dealer bust %
Player Advantage %
Basic Blackjack Strategy
The first thing to look at is the table below. This has details of what you should do to optimize your chances with every version of your starting hand versus the Dealers visible card.
It is useful if you can remember this as best you can to give you the best possible advantage against the House.
If your Hand contains an Ace, look at the 2nd chart, if you have a pair the same value, look at the bottom chart. For all others, the top chart is the place to look.
Use this Blackjack chart as a cheatsheet if you will. It will help you memorize what actions to take with your opening hand.
How to Play Hard Hands:
A hard hand is two starting cards that do not contain an ace.
If you have eight or less, always Hit. If you have Nine: Double if the Dealer has 3 to 6 – otherwise Hit. If you have Ten: Double if the Dealer has 2 to 9 – otherwise Hit. If you have Eleven: Double if the Dealer has 2 to 10, Hit if Dealer has Ace. If you have Twelve: Hit if the Dealer has 2 or 3, Stand if the Dealer has 4 to 6, otherwise Hit. If you have 13- 16: Stand if the Dealer has 2 to 6, otherwise, Hit. If you have 17 – 21: Always Stand.
How to Play Soft Hands:
A soft hand is when one of your starting hands contains an ace.
If you have Ace 2 or Ace 3: Double if the Dealer has 5 or 6 – otherwise Hit. If you have Ace 4 or Ace 5: Double if the Dealer has 4 to 6 – otherwise Hit. If you have Ace 6: Double if the Dealer has 3 to 6 – otherwise Hit. If you have Ace 7: Stand if the Dealer has 2, 7 or 8. Double 3 -to 6 – otherwise Hit. If you have Ace 8 or Ace 9: Always Stand.
How to Play Pairs
If you have a pair of Aces or Eights: Always Split. If you have a pair of twos or threes: Split if the Dealer has 2 – 7, otherwise Hit. If you have a pair of fours: Split if the Dealer has 5 or 6 – otherwise Hit. If you have a pair of fives: Double if the Dealer has 2 to 9 – otherwise Hit. If you have a pair of sixes: Split if the Dealer has 2 to 6 – otherwise Hit. If you have a pair of sevens: Split 2 to 7 – otherwise Hit. If you have a pair of nines: Split 2 to 6, and 8 or 9. Stand if the Dealer has 7, 10 or Ace. If you have a pair of tens: Always Stand.
Taking Insurance or Even Money
Blackjack is a gambling game, so hedging your bet and playing safe by taking Insurance doesn’t make much sense. In around 7 out of ten instances the Dealer shows an Ace they will not have blackjack, so buying Insurance is a losing long-term strategy and should be avoided.
Splitting Tens when Dealer shows 6
It is always a good idea to maximize your bets when the Dealer shows a 6 as this gives them the biggest chance of Busting, and although you will still expect to make money if you Split (less than $18 extra per $100), you can expect to make over $70 per $100 in bets by doing nothing and Standing on 20. There is a high chance that the Dealer will Bust, so always Stand on a hard 17 or greater.
Standing on 16 when Dealer shows Ace
Standing on 16 when the Dealer has a Ten is not nearly as bad as when the Dealer has an Ace. There is a good chance you will Bust when Hitting on 16, but at least you give yourself a chance to win or push the hand, otherwise in order to win you have to count on the Dealer Busting with an Ace.
Standing on Soft 18 when Dealer shows 6
As mentioned above, the Dealer having a 6 is the best possible hand for the Player as it presents the best chance of the Dealer Busting. You need to, therefore, try and maximize your returns in this situation, so Double and try to take down a bigger win. You can’t bust by taking one more card, so go for it!
Standing on Soft 18 when Dealer shows 9
This is a common one, and although 18 isn’t a bad total in Blackjack, when the Dealer has a 9 there is a high chance they will get a Ten or an Ace (38% of the time to be exact), so give yourself a chance to win and Hit it!
Hitting 11 when Dealer shows Ten
One of the best things about Blackjack is being able to control when to put more money on the table. If you have an 11 and the Dealer doesn’t get more money down by Doubling. You can expect to make about $18 for every $100 you bet, while Hitting will only earn you about $12.
Standing on a 12 when Dealer shows 2
This one divides Players a lot as plenty won’t want to risk Busting. However, there are plenty of cards that can save a Dealer who has a 2, so instead of hoping they Bust, take another card and try and get a better total.
Doubling 11 when Dealer shows Ace
Any time the Dealer has an Ace you need to be cautious. Just Hit instead of Doubling, there is no point betting more money against the Dealers Ace.
Hitting 2/2 when Dealer shows 7
Twos are actually reasonable cards to start with for a Player. It is likely the Dealer has a “stiff hand” or a 17, therefore Split that 2/2 and make some money.
Hitting 4/4 when Dealer shows 6
There is a consensus that you should Double 4/4 against a 6 to try and maximize your returns as the Dealer has a high chance of Busting, but we would recommend you Split the hand against a Dealers 6. When the Dealer shows a 6, you generally want to play as many hands as possible because the Dealer is likely to Bust.