• Appendices
• Miscellaneous
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Rules

• Blackjack Appendix 9 — Eight decks, dealer hits on soft 17, no hole card. Blackjack Appendix 9 — Six deck, dealer stands on soft 17, no hole card. Blackjack Appendix 9 — Six deck, dealer hits on soft 17, no hole card. Blackjack Appendix 9 — Five decks, dealer stands on soft 17, no hole card.
• For example, in some games, the dealer must stand on a Soft 17, that is, an Ace, plus any combination of cards equaling 6. This is called a “Stand 17” game. In other games, the dealer must hit on any Soft 17. This is called a “Hit 17” game.

Live Dealer Blackjack for USA Players. The best online gambling sites offer our readers an amazingly positive experience. The list below includes the top live dealer blackjack casinos for the United States market. They are all proven to be trustworthy and offer a stellar betting experience. When in doubt, use the “dealer hits on soft 17”, instead of the “dealer stands on soft 17” strategy as this will mean fewer losses over time. Live Evolution Gaming Blackjack Chart Players playing on the Evolution Gaming’s Live Blackjack tables have requested a separate chart as the dealer will check for Blackjack if the face-up card. Hit on 12-16 against dealer 7 or more Hit on 8 or below Double on soft 13-18 if dealer has 4, 5 or 6 Double on 11 (except if dealer has Ace) Double on 10 (especially if dealer has 9 or less) Double on 9 if dealer has 6 or less.

I overhear a lot of bad gambling advice in the casinos. Perhaps the most frequent is this one, 'The object of blackjack is to get as close to 21 as possible, without going over.' No! The object of blackjack is to beat the dealer. To beat the dealer the player must first not bust (go over 21) and second either outscore the dealer or have the dealer bust. Here are the full rules of the game.

1. Blackjack may be played with one to eight decks of 52-card decks.
2. Aces may be counted as 1 or 11 points, 2 to 9 according to pip value, and tens and face cards count as ten points.
3. The value of a hand is the sum of the point values of the individual cards. Except, a 'blackjack' is the highest hand, consisting of an ace and any 10-point card, and it outranks all other 21-point hands.
4. After the players have bet, the dealer will give two cards to each player and two cards to himself. One of the dealer cards is dealt face up. The facedown card is called the 'hole card.'
5. If the dealer has an ace showing, he will offer a side bet called 'insurance.' This side wager pays 2 to 1 if the dealer's hole card is any 10-point card. Insurance wagers are optional and may not exceed half the original wager.
6. If the dealer has a ten or an ace showing (after offering insurance with an ace showing), then he will peek at his facedown card to see if he has a blackjack. If he does, then he will turn it over immediately.
7. If the dealer does have a blackjack, then all wagers (except insurance) will lose, unless the player also has a blackjack, which will result in a push. The dealer will resolve insurance wagers at this time.
8. Play begins with the player to the dealer's left. The following are the choices available to the player:
   • Stand: Player stands pat with his cards.
   • Hit: Player draws another card (and more if he wishes). If this card causes the player's total points to exceed 21 (known as 'breaking' or 'busting') then he loses.
   • Double: Player doubles his bet and gets one, and only one, more card.
   • Split: If the player has a pair, or any two 10-point cards, then he may double his bet and separate his cards into two individual hands. The dealer will automatically give each card a second card. Then, the player may hit, stand, or double normally. However, when splitting aces, each ace gets only one card. Sometimes doubling after splitting is not allowed. If the player gets a ten and ace after splitting, then it counts as 21 points, not a blackjack. Usually the player may keep re-splitting up to a total of four hands. Sometimes re-splitting aces is not allowed.
   • Surrender: The player forfeits half his wager, keeping the other half, and does not play out his hand. This option is only available on the initial two cards, and depending on casino rules, sometimes it is not allowed at all.
9. After each player has had his turn, the dealer will turn over his hole card. If the dealer has 16 or less, then he will draw another card. A special situation is when the dealer has an ace and any number of cards totaling six points (known as a 'soft 17'). At some tables, the dealer will also hit a soft 17.
10. If the dealer goes over 21 points, then any player who didn't already bust will win.
11. If the dealer does not bust, then the higher point total between the player and dealer will win.
12. Winning wagers pay even money, except a winning player blackjack usually pays 3 to 2. Some casinos have been short-paying blackjacks, which is a rule strongly in the casino's favor.

Wizard's Simple Strategy

I've been preaching for years that to play blackjack properly requires memorizing the basic strategy. However, after pitching the basic strategy for 20 years, I've learned that few people have the will to memorize it. In my book, Gambling 102, I presented a 'Simple Strategy,' which is seven simple rules to playing blackjack. The cost due to incorrect plays with the Simple Strategy is 0.53%, under liberal Vegas Strip rules.

Ever since my book was published it has bothered me that the cost in errors to my Simple Strategy was too high. So in September 2009 I developed the following 'Wizard's Strategy.' The cost due to imperfect plays is 0.14% only, relative to liberal Vegas Strip rules. That is the cost of one hand for about every 12 hours of play. Compared to the 250 cells in the Basic Strategy, the Wizard's Strategy has only 21, as follows.

Let me be perfectly clear that this strategy is not right 100% of the time. I continue to get Emails saying that when this strategy was used with my practice game, the player was corrected for following it. For example, my simple strategy says to stand on 12 against a 2, when it is mathematically better to hit. If you want to learn a strategy that is correct all the time you should use the appropriate basic strategy for the set of rules you are playing.

Here are some comments of clarification.

• A 'hard' hand is one that either has no aces, or has aces that are forced to count as point, lest the hand bust. A 'soft' hand is one with at least one ace, which may still count as one or eleven points.
• With a hard 10 or 11, double if you have more points than the dealer, treating a dealer ace as 11 points. Specifically, double with 10 against a 2 to 9, and with 11 against 2 to 10.
• If the strategy says to double, but you have three or more cards, or table rules don't allow soft doubling, then hit, except stand with a soft 18.
• If the strategy says to surrender (16 vs. 10), but you can't for whatever reason, then hit.
• If the strategy says to 'not split,' then treat the hand has a hard total of 8, 10, or 20, according to the pair in question.

A reader named Jeff provided another table of my simple strategy, with exceptions in small print. Details about the Wizard's Simple Strategy can be found in my Blackjack appendix 21.

Basic Strategy

For the appropriate basic strategy for just about any set of rules, please visit my basic strategy calculator. I still have my traditional charts too:

House Edge

See my Blackjack House Edge Calculator to determine the house edge under 6,912 possible rule combinations.

Rule Surveys

Las Vegas: I'm proud to feature up date blackjack rules for every casino in Las Vegas. The list is updated monthly, based on Stanford Wong's Current Blackjack Newsletter. Effective November 2009 the survey has been moved to my companion site, WizardOfVegas.com.

Rule Variations

Following is a list of some common rule variations and the effect on the player's expected return compared to standard U.S. rules (8 decks, dealer stands on soft 17, double after split allowed).

Rule Variations

Rule	Effect
Single deck	0.48%
Early surrender against ten	0.24%
Player may double on any number of cards	0.23%
Double deck	0.19%
Player may draw to split aces	0.19%
Six-card Charlie	0.16%
Player may resplit aces	0.08%
Late surrender	0.08%
Four decks	0.06%
Five decks	0.03%
Six decks	0.02%
Split to only 3 hands	-0.01%
Player may double on 9-11 only	-0.09%
Split to only 2 hands	-0.10%
European no hole card	-0.11%
Player may not double after splitting	-0.14%
Player may double on 10,11 only	-0.18%
Dealer hits on soft 17	-0.22%
Blackjack pays 7-5	-0.45%
Blackjack pays 6-5	-1.39%
Blackjacks pay 1 to 1	-2.27%

I also have a longer list of rule variations.

Beware Short Pays on a Blackjack

More and more tables are showing up that pay less than the full 3 to 2 on a blackjack. Most of these tables pay 6 to 5, but some even money and 7 to 5 tables are known to exist. I would estimate that 10% of '21' tables in Las Vegas now pay less than 3 to 2. In my opinion, only games that pay 3 to 2 deserve to be called 'blackjack,' the rest fall under '21' games, including Super Fun 21 and Spanish 21. Regardless of the other rules, you should demand nothing less than 3 to 2 blackjack. You should always check the felt to be sure, and if the felt doesn't say, look for a sign. If nothing says the win on a blackjack, then ask.

Articles about 6-5 Blackjack:

• Taking a hit: New blackjack odds further tilt advantage toward the house, Las Vegas Sun, Nov. 13, 2003.
• Tighter blackjack rules would hurt players' bankroll, Pittsburgh Tribune-Review, Feb. 4, 2011.

Bad Strategies

Three popular bad strategies encountered at the blackjack table are: never bust, mimic the dealer, and always assume the dealer has a ten in the hole. All three are very bad strategies. Following are my specific comments on each of them, including the house edge under Atlantic City rules (dealer stands on soft 17, split up to 4 hands, double after split, double any two cards) of 0.43%.

Never bust: For my analysis of this strategy I assumed the player would never hit a hard 12 or more. All other decisions were according to correct basic strategy. This 'never bust' strategy results in a house edge of 3.91%.

Mimic the dealer: For my analysis of this strategy I assumed the player would always hit 16 or less and stand on17 or more, including a soft 17. The player never doubled or split, since the dealer is not allowed to do so. This 'mimic the dealer' strategy results in a house edge of 5.48%.

Assume a ten in the hole: For this strategy I first figured out the optimal basic strategy under this assumption. If the dealer had an ace up, then I reverted to proper basic strategy, because the dealer would have peeked for blackjack, making a 10 impossible. This 'assume a ten' strategy results in a house edge of 10.03%.

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Written by: Michael Shackleford

Spanish 21 is a blackjack variant owned by Masque Publishing Inc., a gaming publishing company based in Colorado. Unlicensed, but equivalent, versions may be called Spanish blackjack. In Australia and Malaysia, an unlicensed version of the game, with no dealer hole card and significant rule differences, is played in casinos under the name 'Pontoon'. It was first introduced about 1995.^[1]

Rules[edit]

Spanish 21 is played on a blackjack table with a custom layout and uses the following rules:

• The game is played with six or eight decks dealt from a shoe, or from a continuous shuffling machine (CSM). Spanish 21 is played with 48-card Spanish decks, although standard French suited 52-card decks are used with the 4 ten-spot cards removed. All cards have the same values as in blackjack.
• The dealer gets a hole card.
• Like traditional blackjack, the dealer hits on 16 and stands on 17. In some venues, the dealer hits on a soft 17 (abbreviated as H17), though most venues have the dealer stand on soft 17 (S17). Hitting soft 17 (H17) negatively impacts the player; that rule increased the house edge by 0.40%.
• Blackjack (a natural total of 21 on the first two cards) always wins, and is always paid 3:2 regardless of whether or not the dealer has a blackjack.
• Insurance is paid 2:1, just like in blackjack, despite the fact that there are four fewer ten-valued cards per deck. As 3 cards in 12 are worth ten, the chance of the dealer getting a blackjack when showing an Ace is only 25%. Therefore, for insurance to be an even bet, it would have to pay 3:1, not 2:1. The house edge on the insurance is 24.7%, one of the worst of any wager in a casino.
• Hitting, standing, and splitting all follow similar rules to blackjack. Doubling after splitting (DAS) is always permitted, and, in most venues, players are allowed to draw as many cards as they wish after splitting aces, or may double down after receiving second or subsequent cards.
• Players can split to a maximum of four hands, even on aces.
• In most venues, if the dealer does not have blackjack, players may surrender, and get half their bet back in exchange for relinquishing the right to play on. This type of surrender is known as a 'late surrender' (LS).
• Players can surrender after doubling (sometimes called forfeit, double-down rescue, or concede). The dealer takes the original bet, and the player retains the double portion of the bet. This is because the player is allowed to double down for less than the original bet.
• Once the initial two-card hands are dealt, if the dealer is showing an Ace or face card, he peeks underneath the hole card to check for a blackjack, before playing actually commences. If he has blackjack, all players automatically lose, unless they also have a blackjack (which, as mentioned above, automatically win 3:2).
• The player may double down on any total and on any number of cards.
• In some casinos, players may double double down, or redouble up to two times after doubling down. For example: The player bets one unit and is dealt 2-3, giving a hand total of 5; the dealer is showing a 6. The player doubles the first time and draws a 3. The hand total is now 8 and the total amount wagered is two units. The player doubles a second time and draws a 3. The hand total is now 11 and the total amount wagered is four units. When the player doubles a third time on 11, the total amount wagered will be eight units. Redoubling is a profoundly player-advantageous rule, when optimally executed.
• A total of 21 always wins for the player. It never pushes against the dealer's 21.
• A five-card 21 pays 3:2, a six-card 21 pays 2:1, and a 21 with seven or more cards pays 3:1. A 21 composed of 6-7-8 or 7-7-7 of mixed suits pays 3:2, of the same suit pays 2:1, and of spades pays 3:1. These bonus payouts apply even if the hand was the result of a split. However, doubling down negates these bonuses.
• A 'super bonus' of $1000 for bets under $25, and $5000 for bets of $25 and over, is paid on a suited 7-7-7 against any dealer 7. All other players at the table receive a $50 'envy bonus'. Splitting or doubling down negates the 'super bonus'.

The removal of the four tens in each deck gives roughly a 2% advantage to the dealer. The liberal rules of Spanish 21, though, do compensate for this. With optimal play, the house edge of a Spanish 21 table is lower than that of a blackjack table with the same rules on hitting or standing on soft 17.

The game also offers an optional 'Match the Dealer' side bet, which compares a player's cards with the dealer's upcard. Matching the rank of the dealer's card pays 4:1 on a six-deck game, and 3:1 on an eight-deck game, while a 'perfect match' of rank and suit pays 9:1 on six decks and 12:1 on eight decks. A player may win on both cards; (e.g. if a player has 8s 8c and the dealer has 8c as an upcard, the player will receive 3:1 on the rank match and 12:1 on the perfect match, paying out a total of 15:1.) While this side bet has a house edge of approximately 3%, significantly higher than the edge of the main game, it is one of the lowest house edges of any blackjack side bet.

Blackjack Dealer Hits On Cd

House edge[edit]

The following tables list the Spanish 21 house edges for all rule sets found in North America.^[2] (The figures were obtained from 10-billion hand simulations and have a standard error of 0.001%. The super bonus is averaged out to a 100:1 payout.) These charts assume that the player is using basic strategy. 'H17' means that the dealer hits soft seventeen, 'S17' means that the dealer stands on soft seventeen.

Rules	Decks	House Edge
H17	6	0.78%
	8	0.80%
S17	6	0.37%
	8	0.38%
H17 with redoubling	6	0.42%
	8	0.45%

Rule Changes	Change in House Edge
No surrender (H17)	0.018%
No surrender (S17)	0.006%
No draws on split Aces (H17 or S17)	0.28%
No draws on split Aces (H17 with redoubling)	0.29%
Natural after split pays 3:2	–0.16%

Match the Dealer[edit]

Match the Dealer is a side bet offered on most Spanish 21 games. The player wins the side bet if the rank of either or both of their initial two cards matches the rank of the dealer's up card. If the cards match in both rank and suit, the player wins a bigger payout. Some casinos offer a second Match the Dealer bet which wins when either or both of the player's initial two cards match the dealer's hole card. The payouts and the house edge vary depending on the number of decks in play as shown below.

Number of Decks	Non-Suited Match	Double Non-Suited Match	Suited Match	Suited + Non-Suited Match	Double Suited Match	House Edge
2	4:1	8:1	15:1	19:1	NA	3.63%
4	4:1	8:1	10:1	14:1	20:1	3.20%
5	3:1	6:1	13:1	16:1	26:1	3.53%
6	4:1	8:1	9:1	13:1	18:1	3.06%
8	3:1	6:1	12:1	15:1	24:1	2.99%

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References[edit]

1. ^Dalton, Michael. 'S ... is for Shuffle - Blackjack Review Network'. Blackjack Review Network.
2. ^Reproduced from The Pro's Guide to Spanish 21 and Australian Pontoon (Lulu Publishing, 2008), with permission from the author, Katarina Walker

External links[edit]

Blackjack Dealer Hits On The Road