Blackjack, unlike other gambling games is not considered a game of chance, it is one that you can win if you start applying some knowledge. Unlike many other games where the result depends on player luck only, this game provides probabilities depending on the player decisions. Therefore, in order to win you have to know what your probabilities are now and how and when to increase them.

• How To Play Blackjack Pays 3 To 2
• Blackjack Payout 3 To 2 Calculator Present Value
• What Does Blackjack Pays 3 To 2 Mean
• Blackjack Payout 3 To 2 Calculator Multiplication

Before we take a look at player and dealer blackjack odds, we should consider all the parameters that affect the odds in the game.

Bet Calculator Being able to calculate how much a bet returns for any given stake is one of the basics of betting and our Bet Calculator simplifies this process for bettors. A bet can be broken down into two elements; the Stake - how much you risk, and the Payout - your potential return including your Stake. If you bet $10 and get a blackjack in a traditional game (3-to-2 payoff on blackjack) you will win $15. In a 6-to-5 game that same $10 bet will net you only $12. So you're out $3 for every blackjack hand that you get. On average you'll get four blackjacks per hour so for every hour you play a 6. Blackjack Payout - 3 to 2. The payouts for various Blackjack bets. Click here to study/print these flashcards. Create your own flash cards! Additional Other Flashcards. Cards Return to Set Details.

Blackjack Rules Variations

Blackjack variations were created to entertain players and provide them with a chance to win more money on side bets. Each rule variation affects the house edge, some rules making a big, others making a minor difference. Most common rule variations can be found at our House Edge Calculator in the «Rules» window. Now, let's take a closer look at the rules and see how they affect the odds in the game.

NOTE: The rules chosen in the table below are most favorable for the player.

Number of decks

The first thing a player should consider when choosing a table is the number of decks used in the game. The more decks there are - the less odds the player has. (See the table - Probabilities – Number of decks)

Dealer hits or stands on soft 17

The main rules of the game are usually written on the table felt and it may say either dealer hits or stands on soft 17. If according to the rules dealer hits soft 17, the game gives the house a 0.2% extra edge.

Rules for doubling

This rule is sometimes called the 'Reno' rule, which restricts doubling only to certain hand totals. Double 9 - 11 affects the house edge increasing it by 0.09% (8 decks game) and 0.15% (1 deck game). Double 10-11 increases the house edge by 0.17% (8 decks game) and 0.26% (1 deck game).

Doubling after Split

If the casino allows a player to double after he splits a pair, the player will get a further edge of around 0.12%.

Resplitting

Most casinos allow players to split again after he/she splits a pair and is dealt another card of the same rank. However, if the casino does not, this means the odds favor the house. As the best hands for splitting are a pair of Aces and 8s, there may be a special rule for Splitting Aces. If the casino allows the player to re-split Aces, the player gets a 0.03% extra edge. Moreover, in most cases if the player splits Aces, the casino will deal only one card per hand and that's it. Allowing players to hit on a hand of Split Aces gives the player an edge of 0.13%. We do not consider this rule in our calculator due to the fact it is almost never used, especially online.

How To Play Blackjack Pays 3 To 2

• 1 deck of cards (house edge 0.17%)
• Doubling allowed on any cards
• Doubling allowed after Split and after Hit (player edge 0.12%)

• Early surrender is preferable
• Dealer stands on soft 17 (player edge 0.2%)
• Resplitting any cards allowed (player edge 0.03%)

Extra Rules Affecting Blackjack Odds

European No-Hole-Card Rule

Some blackjack variations are played with a hole card that is dealt to the dealer only after all the players have played their hands. This rule affects player strategy when playing against dealer up 10 or an Ace. In a typical hole-card game the player would know whether the dealer has a Blackjack or not before he makes any decisions. In this game, however, the player is risking a lot more if he decides to double or split. This rule adds 0.11% to the house advantage. However, there may be some casinos that allow the player to push on all the additional bets (doubling down and splitting pairs) if the dealer happens to have Blackjack.

Another Payouts on Blackjack

The classic payout on player Blackjack is 3 to 2. However, some casinos change the payout to increase the house edge. The payout on blackjack thus may vary from 1:1 to 6:5. As a Blackjack hand frequency is approximately 4.8% (see the table Two Card Hand Frequency), the payout of 1:1 will increase house edge by 2.3% and the payout of 6:5 - by 1.4%. The first rule (1:1) is only rarely found , while the second (6:5) can be found at some tables with a single deck blackjack game. The payout on Blackjack is generally written on a table felt.

Best tip
for odds seekers

The easiest way to choose the game with the highest odds is to play blackjack with no extra special rules. Do not forget where your basic odds are hidden - chance to Split, Double Down and get a 3 to 2 payout on Natural.

Dealer wins Ties

Another disadvantage for the player is when the rules of the game say that dealer wins all ties. This rule is almost never used in the classic games, though it can be found in some blackjack variations.

Blackjack Payout 3 To 2 Calculator Present Value

Insurance

The Insurance bet is a casino trick that gives the house a huge edge. The main factor why many players take this bet lies in the fact it costs only half of the original one. However, when the player takes Insurance every time he plays the game, the house edge may raise up to 7%. Added to all the other rules the casino sets on the game and you will see why probabilities are worth learning if you want to quit winners.

Side Bets

All blackjack games that offer side bets seem to be the biggest attraction for blackjack lovers. However, if you consider blackjack odds on these bets, you will notice that no matter how big the jackpot is (as in progressive blackjack rules) or how great the payout is for the pair (as in perfect pairs rules), the odds still favor the house and you are not likely to win.

Blackjack Probabilities charts

The quantity of decks increases the house advantage with each extra deck added to the game. Look for games with the smallest number of decks. However, some games offering a chance to play with 1 deck may only still provide low player odds due to low payouts on Blackjack and other rules. Be sure to check them before you play.

The table on the left describes how often the following hands can appear. The hands are the first two-cards dealt to the player. The frequency stands for the average number of times dealt per deck of cards. As you can see, the most frequent hands dealt are the 'Decision hands' that demand knowledge of blackjack strategy.

In this table you can see the probability of going bust on any hand if the player decides to Hit. This means that with 0% you can never go bust when hitting a hand of 11 or less. As you can see, the table is for hard hand totals as you will 100% bust if you Hit on a hand of hard 21.

You probably already know that in blackjack small cards in the deck favor the dealer while big ones favor the player. In this table you can see that removing 2s from the deck adds a 0.40% of advantage to the player, while if 10's are taken out - the odds are 0.51% for the house.

Blackjack probabilities are calculated due to different parameters, including the dealer up card. The table on the left depicts how likely it is that dealer will go bust with certain up cards and what the player odds are in this very situation. For example, the highest player odds are when the dealer shows a 6, as he is most likely to go bust with this hand. The lowest player odds are when the dealer's up card is a 10 or an Ace.

Some blackjack players don’t seem to see what the big deal is about the difference in getting a 3-2 payout or a 6-5 payout. Sure you don’t get quite as much money from a 6-5 payout, but then you are getting to play in a single deck game.

Really quick: casinos have been offering 6-5 payouts on single deck blackjack games. These games are to be avoided at all costs by the way.

But the problem with a 6-5 blackjack payout versus a 3-2 payout is not that you are getting less money. Yes, that’s a problem—a very justifiable one—but it’s not the main reason to be avoiding those tricky 6-5 single deck blackjack games.

The main reason you want to avoid playing those games is what it does to your odds.

Part of a player’s odds is how much he’s winning…or not winning.

Think of it this way. When you’re dealt a natural blackjack you are paid 3-2; and when you simply win a round you’re paid 2-1. Now look at what the dealer gets paid: 1-1 for a natural blackjack and 1-1 for winning.

Look at this situation. You’re playing the dealer one-on-one for twenty hands. Of those twenty you win five with blackjack and five you just beat the dealer’s hand; the dealer also wins five hands with blackjack and five only just beating you, how much money have each of you been paid?

What Does Blackjack Pays 3 To 2 Mean

You would have won $75 on the blackjacks and $50 on the regular winning hands, for a total of $125. The dealer would have won $50 on his blackjack and $50 on his regular winning hands, for a total of $100.

In a 6-5 payout on a $10 wager, you would only be paid $12 for a natural blackjack instead of $15. In the same scenario as above you would’ve only won $60 for your natural blackjack hands; added to the $50 from your winning regular hands, you have won $110 instead of $125. And the dealer’s winnings would not have changed either.

Which is more advantageous to the player: the $125 or the $110?

The 6-5 payout blackjack games increase the house edge by 1.4%. And that 1.4% is just given to them because they don’t have to pay you as much for your blackjacks.

So between the 1.4% increase in house edge and the lower amount of money paid to you, why would you even think of playing in a 6-5 game?

Blackjack Payout 3 To 2 Calculator Multiplication

Pst!

By the way, increasing the wager from $10 to a more widely wagered amount like $20, makes the payout differences look like this in the same twenty hand game from above in which you and the dealer each won five rounds with blackjacks, and each won five regular hands

3-2 Game: $250 (you) vs. $200 (dealer)
6-5 Game: $210 (you) vs. $200 (dealer)