Blackjack

Results

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Performance

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Number of Decks

Blackjack can be played with 1, 2, 4, 6, or 8 decks shuffled together into a shoe. Fewer decks slightly favor the player. Single-deck games often compensate with less favorable rules elsewhere (such as 6:5 payouts).

Dealer on Soft 17

A soft 17 is a hand containing an Ace counted as 11 (e.g., Ace + 6). When the dealer stands on soft 17 (S17), it slightly favors the player. When the dealer hits on soft 17 (H17), the dealer has a better chance of improving, which increases the house edge by about 0.2%.

Blackjack Payout

A natural blackjack (Ace + 10-value card) traditionally pays 3:2 — a $10 bet wins $15. Some tables pay only 6:5 ($12 on a $10 bet), which significantly increases the house edge. A 2:1 payout ($20 on a $10 bet) is rare but very favorable to the player.

Double Down Restrictions

Doubling down lets you double your bet in exchange for exactly one more card. Some tables allow doubling on any two cards, while others restrict it to hand totals of 9–11 or 10–11 only. Fewer restrictions favor the player.

Double After Split

When allowed, you can double down on a hand created by splitting a pair. This is advantageous because you can capitalize on favorable situations after a split. When not allowed, you can only hit or stand on split hands.

Maximum Splits

After splitting a pair, if you receive another matching card, some tables allow you to split again (resplit). The maximum splits setting controls how many times you can split — 1 means no resplitting, while 3 allows up to four hands from one original hand.

Surrender

Late surrender allows you to forfeit your hand after the initial deal and recover half your bet. This is useful for very unfavorable hands (such as hard 16 vs. dealer 10). When set to None, surrender is not available. Late surrender is offered after the dealer checks for blackjack.

Insurance

When the dealer shows an Ace, you can place a side bet (half your original bet) that the dealer has blackjack. Insurance pays 2:1 if the dealer does have blackjack. Mathematically, insurance is a losing bet in the long run and basic strategy recommends always declining it.

Dealer Peek Rule

American (peek): the dealer checks their hole card for blackjack before players act, so you never risk extra bets (doubles/splits) against a dealer blackjack. European (no peek): the dealer takes their second card after all players act — if the dealer then has blackjack, you lose all bets including doubles and splits. European OBO (Original Bets Only): like European, but if the dealer has blackjack, only your original bet is lost — extra amounts from doubles and splits are returned.

Goal

Beat the dealer by getting a hand value closer to 21 without going over. Aces count as 1 or 11, face cards as 10.

Card Values

Number cards (2–10) are worth their face value. Face cards (J, Q, K) are worth 10. Aces are worth 1 or 11 — whichever is better for your hand.

Actions

Hit: take another card. Stand: keep your hand. Double Down: double your bet and take exactly one more card. Split: if you have a pair, split into two hands. Surrender: forfeit half your bet and end the hand.

Dealer Rules

The dealer must follow strict rules: hit on 16 or less, stand on 17 or more. Rules vary by preset — some require the dealer to hit on soft 17.