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This is why the bet is described as "insurance", since it seems to protect your original bet against a dealer blackjack.

Of course, if the dealer does not have blackjack, you'll lose the insurance bet, and still have to play the original bet out. Insurance is simply a side-bet offering 2: Not surprisingly, the casino has a substantial edge on this bet.

In a single deck game, there are 16 ten-valued cards. Assuming that you don't see any other cards, including your own, the tens compose 16 out of 51 remaining cards after the dealer's Ace was removed.

That creates a 5. It's even worse in six decks with a 7. Card counters can still beat the insurance bet, by only making the bet when they know that more than one-third of the remaining cards are tens.

Unless you are card counter and know the deck is skewed sufficiently, just ignore the insurance bet. It doesn't matter whether you have a good hand or a bad hand.

If you have a blackjack when the dealer turns up an Ace, he is likely to offer you "even money" instead of the insurance bet.

If you accept, the dealer will pay you the amount of your original bet and discard your hand of blackjack, before he even checks under his Ace to see if he has a blackjack as well.

Many players think this sounds like a good deal, guaranteeing a profit even if the dealer has a blackjack. But that guaranteed profit comes at a price.

Let me show you how it works:. So, casinos allow you to eliminate the insurance bet altogether, and simply declare that you want "even money" for your blackjack when the dealer has an Ace showing.

The problem is that you are still making a bad bet on insurance, which costs you money. A player who does not count cards should simply never take the insurance bet, even the "even money" variety.

Some games offer the player a chance to fold their hand, and forfeit half of their bet. This surrender option must be done as the very first action the player takes on the hand.

In other words, you can't draw a card and then decide to bail out! Even when surrender is available, it is rarely used by players.

Often, the rules posted at the table won't mention it even if the casino allows it. And many players just don't like the idea of surrendering a hand.

But for a smart player, it is a useful option, and reduces the house advantage by about 0. When surrender is available, make sure you know the correct strategy for using it.

Most players who use the option surrender too many hands. If your game offers surrender, I recommend reading my complete explanation of blackjack surrender.

In the most common variety known as "late" surrender , a player cannot surrender until after the dealer has checked for blackjack.

If the dealer has blackjack, you will lose your entire bet with no chance of surrendering for half the cost.

Generally, the dealer in blackjack must hit if he has a total of 16 or less, and stand if he has 17 or more. Seventeen is a weak hand, so if the dealer is allowed to try to improve the soft 17 hands, it makes the game tougher.

When a dealer is allowed to hit soft 17, it adds about 0. Almost all other areas used the better rule of standing on all 17s.

Over the years, more and more casinos have switched to hitting soft 17, and there are now far more H17 games than S17 games.

You can still find some games where the dealer stands on all 17s, even in casinos where some of the tables use the H17 rule. After splitting a pair, many casinos will allow you to double-down on a two-card hand that arises as a result of the split.

For example, if you split a pair of eights, and draw a 3 on the first hand, it is valuable to be able to double-down on the resulting hand of As mentioned in the previous section discussion on pair splitting, there are several common restrictions on splitting Aces.

You will receive only one card on each Ace after splitting. Some casinos will allow you to resplit if you draw another Ace, and some will not.

That's true even if the casino allows resplits of all other pairs. Many casinos in Europe, and some in other parts of the world, handle the dealer's second card differently.

In these "European No Hole Card" games, the dealer only deals himself one card at the beginning of the round. After all the players have completed their hands, he deals his own second card and completes the hand.

Contrast that with the normal US style of play. There, if the dealer has a ten or Ace card up, he checks the other card immediately to see if he has a blackjack.

If he does, the hand is over. This process of "peeking" under the hole card to check for blackjack means that players can only lose one bet per hand if the dealer has a blackjack.

In a No-Hole-Card game, a player might split or double and have multiple bets at risk to a dealer blackjack, because the dealer cannot check ahead of time.

This changes the optimal strategy, and means that players should usually not split or double against a dealer ten or Ace upcard.

An exception is splitting Aces against a dealer ten. Note that there are a few no-hole-card games where the rules specifically say that only one bet will be collected from a player if the dealer has a blackjack.

In those games, although there is no hole card, you can play the game as if there were. That means you should play it as a Peek game, even though there's not really a peek!

It's all a bit confusing. When the No-Hole-Card rule is in use, and all bets are at risk to a dealer blackjack, it costs the player 0.

Use the "No-Peek" option at our Strategy Engine. Ok this one's an extremely rare variation which I doubt you will see in any casinos today but I thought I'd mention.

Similarly there is a rule variation whereby the player automatically wins when drawing 7 cards without busting which is called a "Seven Card Charlie".

The most important item is the sign declaring betting limits. Both the minimum and the maximum allowable bets should be on a sign on the table-top.

Look around to find a table that suits your bet sizes. Make sure that the table you have selected is actually for blackjack, and not another of the many kinds of table games that casinos offer.

Look on the table for the phrase " Blackjack pays 3 to 2 ". Avoid any games that say " Blackjack pays 6 to 5 " instead.

See 6 to 5 Blackjack? Beginners should start off playing the shoe games. The advantage in this style is that all of the players' cards are dealt face-up, so the dealer and other players can easily help you with playing questions and decisions.

Once you become proficient at the game, you may want to switch to a game with fewer decks since that lowers the casino's advantage. The dealer will exchange the entire amount of cash for the equivalent in chips, and drop the cash into a box on the table.

Take a quick look at the chips to make sure you know the value of each color. If you have any questions, just ask the dealer. Part of his job is to help players learn the game.

Once you are ready to place a bet, wait for the current hand to be completed, then push your bet into the betting circle.

Your chips should be in one stack. If you are betting multiple denominations of chips, place the larger valued chips on the bottom of the stack, and the smaller value chips on top.

Once the cards have been dealt, you are not allowed to touch the bet in the circle. If you need to know how much you have bet for doubling or splitting explained later , the dealer will count down the chips for you.

Once the hand is over, the dealer will move around the table to each position in turn, paying winning hands and collecting the chips from losing hands.

After the dealer has paid you, you can remove your chips from the circle, and place your next bet. If you want to let your winnings ride, you will need to form one stack of chips from the two or more stacks on the table after the dealer pays you.

Remember, higher value chips should be placed on the bottom of the stack. When you are ready to leave the table, you do not cash in your chips the same way you bought them.

The dealer cannot give you cash for the chips at the table. To do that, you must take the chips to the casino cashier.

If you have a lot of low denomination chips in front of you at the table, you should trade them for the equivalent higher value chips instead. In between hands, just tell the dealer you want to "color up", and he will have you push your chips into the middle of the table.

He will count them down, and give you a smaller stack of chips that amount to the same value. This makes them easier to carry for you, and for the dealer it maintains his supply of smaller chips.

Now you can take those chips to another table for more play, or head to the casino cashier where you can exchange them for cash.

So, if you have made it this far, congratulations. You should have a good idea of what to expect when you sit down at a blackjack table in the casino.

What we have not talked about is how to actually make the best decisions while playing the game. That is a whole subject all its own. To have the best chance of winning, you should learn and practice "basic strategy", which is the mathematically best way to play each hand against each possible dealer upcard.

For a free chart that shows the right play in every case, visit our Blackjack Basic Strategy Engine. If you are looking to play from the comfort of your home, you can visit our online blackjack or live dealer blackjack sections for further resources.

Hopefully I've covered just about everything you need. But if you have other questions, feel free to post a reply at the bottom of the page.

Our free blackjack game lets you play at your pace, and the Strategy Coach provides instant feedback on the best strategy.

To find the best strategy, use our most popular resource: The Blackjack Strategy Engine provides free strategy charts that are optimized for your exact rules.

If you prefer a plastic card that you can take to the table with you, we have those too: Blackjack Basic Strategy Cards.

The original version of this explanation of the rules of blackjack has a very long history here at BlackjackInfo. I created and published it here sometime in It was widely copied by other sites, and it has appeared without my permission on literally hundreds of sites over the years.

When I relaunched BlackjackInfo with a new mobile-friendly design in , I took the opportunity to write this all-new version.

Hmmm seems I have been making some bad calls for years now, I thought splitting tens against anything but an ace or 10 was a good move: If a player decides to stand on 15 for whatever reason and the dealer has 16, must the dealer still draw another card since it is less than 17?

Is there any significance in blackjack when you have a black jack paired with a black ace, same suit? The question came up on the multiple choice question on Millionaire.

I guessed 16 but the answer was 32??? In playing 21 with one deck off cards aND two people playing, in playing Blackjack with one deck of cards and two people playing what is the most black jack show up.

Ken, This may not be the most appropriate page to post this, but let me explain the situation. I aspire to hopefully gather a group of trustworthy guys together to form a blackjack team.

Team play is complicated and far more involved than a group of friends pooling resources. There is not much published on team play.

The following book may be helpful. The strategy does not change, but the player is worse off by around 0. As the dealer I get up to Can the dealer chose to stay and take the chips bet from player on the left.

But pay the player on the right? His rules are fixed. He must hit until he has 17 or higher, and then he must stand. Even if all the players at the table have 18, the dealer must stand if he ends up with a Most casinos now deal games with an extra rule about soft This is covered in detail in the article above.

I have a question. I signed up on an online casino and I was getting ready to play blackjack for real money and I asked the live chat help person how many decks were being used and she said 24 decks.

Casinos, both online and land-based, can deal the game pretty much any way they like, including increasing the number of decks to a ridiculous 24!

Fortunately, once you get to 8 decks, the game does not get much worse for the player by adding even more decks. Eight decks is the most typically seen in brick-and-mortar casinos, but in most jurisdictions, land-based or online, there is no legal requirement for any specific number of decks.

Is there any standard in the way a dealer deals from the deck? You are describing a CSM continuous shuffle machine , where after each hand the dealer immediately puts the used cards back into the shuffler.

As you note, this eliminates the ability to count cards, or to even observe a useful bias. Since used cards can return into play immediately, the penetration is effectively zero.

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Let's say you are dealt a pair of eights for a total of sixteen. Sixteen is the worst possible player hand, since it is unlikely to win as is, but is very likely to bust if you draw to it.

Here's a great chance to improve a bad situation. If you are playing a hand-held game, toss the cards face-up in front of your bet just like a double down.

Then, in either type of game, place a matching bet beside the original bet in the circle. Note that you must bet the same amount on a split, unlike a double-down where you are allowed to double for less.

The dealer will separate the two cards, and treat them as two independent hands. He will deal a second card on the first eight, and you will play that two-card hand to completion.

Many casinos will let you double-down on that two-card hand if you want. No matter what happens on your first hand, when you are done with it the dealer will deal a second card to your next hand and the process starts all over.

If you get additional pairs in the first two cards of a hand, most casinos will allow you to resplit, making yet another hand.

Typically a player is allowed to split up to 3 times, making 4 separate hands, with 4 separate bets. If double after split is allowed, you could have up to 8 times your initial bet on the table!

Note that you are allowed to split any valued cards, so you could split a Jack, Queen hand. However, this is usually a bad play.

You will make more money on the pat 20 than you will trying to make two good hands from it. I wrote a post about just that: Why Splitting Tens is a Bad Move.

Another oddity comes when splitting Aces. Splitting Aces is a very strong player move so the casino limits you to drawing only one additional card on each Ace.

Also, if you draw a ten-valued card on one of your split Aces, the hand is not considered a Blackjack, but is instead treated as a normal 21, and therefore does not collect a 3: With all these limitations, you may wonder whether it makes sense to split Aces.

The answer is a resounding YES. For accurate advice on what other pairs you should split, consult the Blackjack Basic Strategy Engine.

If you want to win at Blackjack, you will eventually need to learn basic strategy from a basic strategy chart or play the interactive strategy trainer.

However, there are some quick rules and tips that you can learn as a beginner to decrease the house edge and formulate a strategy.

Remember there are more 10 value cards 10, J, Q, K than any other cards in the deck—so when a 10 will get you close to 21 and you are against a card that is bad for the dealer, you should double.

A player 9, 10, or 11 would always be a good double when a dealer is showing a 3, 4, 5, or 6. This is because the 3, 4, 5, and 6 are starting cards that are more likely to make a dealer bust.

The Ace is such a powerful card because pulling a 10 on a split will give you a Even though a 21 gained through a split is still only paid 1: Two fives total 10—which is a hand much better suited for doubling.

Insurance in blackjack is often misunderstood by players, and is a big money-maker for casinos. Naming this side-bet "insurance" was a brilliant marketing ploy, and some otherwise solid players will frequently make this bad bet to "insure" when they have a good hand.

But actually, insurance is not always a bad bet. For players who can recognize when the remaining deck is rich in ten-valued cards, this can actually be a profitable side-bet.

Insurance is a proposition bet that is available only when the dealer's upcard is an Ace. When the dealer turns up an Ace, he will offer "Insurance" to the players.

Insurance bets can be made by betting up to half your original bet amount in the insurance betting stripe in front of your bet. The dealer will check to see if he has a value card underneath his Ace, and if he does have Blackjack, your winning Insurance bet will be paid at odds of 2: You will still lose your original bet unless you also have a Blackjack , so the net effect is that you break even assuming you bet the full half bet for insurance.

This is why the bet is described as "insurance", since it seems to protect your original bet against a dealer blackjack. Of course, if the dealer does not have blackjack, you'll lose the insurance bet, and still have to play the original bet out.

Insurance is simply a side-bet offering 2: Not surprisingly, the casino has a substantial edge on this bet. In a single deck game, there are 16 ten-valued cards.

Assuming that you don't see any other cards, including your own, the tens compose 16 out of 51 remaining cards after the dealer's Ace was removed.

That creates a 5. It's even worse in six decks with a 7. Card counters can still beat the insurance bet, by only making the bet when they know that more than one-third of the remaining cards are tens.

Unless you are card counter and know the deck is skewed sufficiently, just ignore the insurance bet. It doesn't matter whether you have a good hand or a bad hand.

If you have a blackjack when the dealer turns up an Ace, he is likely to offer you "even money" instead of the insurance bet.

If you accept, the dealer will pay you the amount of your original bet and discard your hand of blackjack, before he even checks under his Ace to see if he has a blackjack as well.

Many players think this sounds like a good deal, guaranteeing a profit even if the dealer has a blackjack. But that guaranteed profit comes at a price.

Let me show you how it works:. So, casinos allow you to eliminate the insurance bet altogether, and simply declare that you want "even money" for your blackjack when the dealer has an Ace showing.

The problem is that you are still making a bad bet on insurance, which costs you money. A player who does not count cards should simply never take the insurance bet, even the "even money" variety.

Some games offer the player a chance to fold their hand, and forfeit half of their bet. This surrender option must be done as the very first action the player takes on the hand.

In other words, you can't draw a card and then decide to bail out! Even when surrender is available, it is rarely used by players.

Often, the rules posted at the table won't mention it even if the casino allows it. And many players just don't like the idea of surrendering a hand.

But for a smart player, it is a useful option, and reduces the house advantage by about 0. When surrender is available, make sure you know the correct strategy for using it.

Most players who use the option surrender too many hands. If your game offers surrender, I recommend reading my complete explanation of blackjack surrender.

In the most common variety known as "late" surrender , a player cannot surrender until after the dealer has checked for blackjack.

If the dealer has blackjack, you will lose your entire bet with no chance of surrendering for half the cost. Generally, the dealer in blackjack must hit if he has a total of 16 or less, and stand if he has 17 or more.

Seventeen is a weak hand, so if the dealer is allowed to try to improve the soft 17 hands, it makes the game tougher. When a dealer is allowed to hit soft 17, it adds about 0.

Almost all other areas used the better rule of standing on all 17s. Over the years, more and more casinos have switched to hitting soft 17, and there are now far more H17 games than S17 games.

You can still find some games where the dealer stands on all 17s, even in casinos where some of the tables use the H17 rule.

After splitting a pair, many casinos will allow you to double-down on a two-card hand that arises as a result of the split.

For example, if you split a pair of eights, and draw a 3 on the first hand, it is valuable to be able to double-down on the resulting hand of As mentioned in the previous section discussion on pair splitting, there are several common restrictions on splitting Aces.

You will receive only one card on each Ace after splitting. Some casinos will allow you to resplit if you draw another Ace, and some will not.

That's true even if the casino allows resplits of all other pairs. Many casinos in Europe, and some in other parts of the world, handle the dealer's second card differently.

In these "European No Hole Card" games, the dealer only deals himself one card at the beginning of the round. After all the players have completed their hands, he deals his own second card and completes the hand.

Contrast that with the normal US style of play. There, if the dealer has a ten or Ace card up, he checks the other card immediately to see if he has a blackjack.

If he does, the hand is over. This process of "peeking" under the hole card to check for blackjack means that players can only lose one bet per hand if the dealer has a blackjack.

In a No-Hole-Card game, a player might split or double and have multiple bets at risk to a dealer blackjack, because the dealer cannot check ahead of time.

This changes the optimal strategy, and means that players should usually not split or double against a dealer ten or Ace upcard. An exception is splitting Aces against a dealer ten.

Note that there are a few no-hole-card games where the rules specifically say that only one bet will be collected from a player if the dealer has a blackjack.

In those games, although there is no hole card, you can play the game as if there were. That means you should play it as a Peek game, even though there's not really a peek!

It's all a bit confusing. When the No-Hole-Card rule is in use, and all bets are at risk to a dealer blackjack, it costs the player 0.

Use the "No-Peek" option at our Strategy Engine. Ok this one's an extremely rare variation which I doubt you will see in any casinos today but I thought I'd mention.

Similarly there is a rule variation whereby the player automatically wins when drawing 7 cards without busting which is called a "Seven Card Charlie".

The most important item is the sign declaring betting limits. Both the minimum and the maximum allowable bets should be on a sign on the table-top.

Look around to find a table that suits your bet sizes. Make sure that the table you have selected is actually for blackjack, and not another of the many kinds of table games that casinos offer.

Look on the table for the phrase " Blackjack pays 3 to 2 ". Avoid any games that say " Blackjack pays 6 to 5 " instead.

See 6 to 5 Blackjack? Beginners should start off playing the shoe games. The advantage in this style is that all of the players' cards are dealt face-up, so the dealer and other players can easily help you with playing questions and decisions.

Once you become proficient at the game, you may want to switch to a game with fewer decks since that lowers the casino's advantage.

The dealer will exchange the entire amount of cash for the equivalent in chips, and drop the cash into a box on the table. Take a quick look at the chips to make sure you know the value of each color.

If you have any questions, just ask the dealer. Part of his job is to help players learn the game. Once you are ready to place a bet, wait for the current hand to be completed, then push your bet into the betting circle.

Your chips should be in one stack. If you are betting multiple denominations of chips, place the larger valued chips on the bottom of the stack, and the smaller value chips on top.

Once the cards have been dealt, you are not allowed to touch the bet in the circle. If you need to know how much you have bet for doubling or splitting explained later , the dealer will count down the chips for you.

Once the hand is over, the dealer will move around the table to each position in turn, paying winning hands and collecting the chips from losing hands.

After the dealer has paid you, you can remove your chips from the circle, and place your next bet. If you want to let your winnings ride, you will need to form one stack of chips from the two or more stacks on the table after the dealer pays you.

Remember, higher value chips should be placed on the bottom of the stack. When you are ready to leave the table, you do not cash in your chips the same way you bought them.

The dealer cannot give you cash for the chips at the table. To do that, you must take the chips to the casino cashier.

If you have a lot of low denomination chips in front of you at the table, you should trade them for the equivalent higher value chips instead.

In between hands, just tell the dealer you want to "color up", and he will have you push your chips into the middle of the table. He will count them down, and give you a smaller stack of chips that amount to the same value.

This makes them easier to carry for you, and for the dealer it maintains his supply of smaller chips. Now you can take those chips to another table for more play, or head to the casino cashier where you can exchange them for cash.

So, if you have made it this far, congratulations. You should have a good idea of what to expect when you sit down at a blackjack table in the casino.

What we have not talked about is how to actually make the best decisions while playing the game. That is a whole subject all its own. To have the best chance of winning, you should learn and practice "basic strategy", which is the mathematically best way to play each hand against each possible dealer upcard.

For a free chart that shows the right play in every case, visit our Blackjack Basic Strategy Engine. If you are looking to play from the comfort of your home, you can visit our online blackjack or live dealer blackjack sections for further resources.

Hopefully I've covered just about everything you need. But if you have other questions, feel free to post a reply at the bottom of the page.

Our free blackjack game lets you play at your pace, and the Strategy Coach provides instant feedback on the best strategy. To find the best strategy, use our most popular resource: The Blackjack Strategy Engine provides free strategy charts that are optimized for your exact rules.

If you prefer a plastic card that you can take to the table with you, we have those too: Blackjack Basic Strategy Cards. The original version of this explanation of the rules of blackjack has a very long history here at BlackjackInfo.

I created and published it here sometime in It was widely copied by other sites, and it has appeared without my permission on literally hundreds of sites over the years.

When I relaunched BlackjackInfo with a new mobile-friendly design in , I took the opportunity to write this all-new version. Hmmm seems I have been making some bad calls for years now, I thought splitting tens against anything but an ace or 10 was a good move: If a player decides to stand on 15 for whatever reason and the dealer has 16, must the dealer still draw another card since it is less than 17?

Is there any significance in blackjack when you have a black jack paired with a black ace, same suit? The question came up on the multiple choice question on Millionaire.

I guessed 16 but the answer was 32??? In playing 21 with one deck off cards aND two people playing, in playing Blackjack with one deck of cards and two people playing what is the most black jack show up.

Ken, This may not be the most appropriate page to post this, but let me explain the situation. I aspire to hopefully gather a group of trustworthy guys together to form a blackjack team.

Team play is complicated and far more involved than a group of friends pooling resources. There is not much published on team play.

The following book may be helpful. The strategy does not change, but the player is worse off by around 0. As the dealer I get up to Can the dealer chose to stay and take the chips bet from player on the left.

But pay the player on the right? His rules are fixed. He must hit until he has 17 or higher, and then he must stand. Even if all the players at the table have 18, the dealer must stand if he ends up with a Most casinos now deal games with an extra rule about soft This is covered in detail in the article above.

I have a question. I signed up on an online casino and I was getting ready to play blackjack for real money and I asked the live chat help person how many decks were being used and she said 24 decks.

Casinos, both online and land-based, can deal the game pretty much any way they like, including increasing the number of decks to a ridiculous 24!

Fortunately, once you get to 8 decks, the game does not get much worse for the player by adding even more decks. Eight decks is the most typically seen in brick-and-mortar casinos, but in most jurisdictions, land-based or online, there is no legal requirement for any specific number of decks.

Is there any standard in the way a dealer deals from the deck? You are describing a CSM continuous shuffle machine , where after each hand the dealer immediately puts the used cards back into the shuffler.

As you note, this eliminates the ability to count cards, or to even observe a useful bias. Since used cards can return into play immediately, the penetration is effectively zero.

These machines have spread widely. The only recourse is to see if your casino also still offers regular games either hand-shuffled, or machine-shuffled but with a normal discard tray.

If not, voice your discontent and look elsewhere. Should I be able to ask a casino to provide a copy of their rules?

I assume you are talking about online casinos. I didnt catch it at first but sure enough when I drew another card I busted. This particular game would not count both my Aces as one.

Is this ever done at a casino? Who knows what else they are doing wrong! To answer your question, no, this is never done at any casino I have visited.

Is this a good bet? What is the house percentage? Yes, there are outstanding opportunities afforded by some sidebets under some circumstances, but if you are able to figure out how to beat them, you no longer need to ask about them.

So, the answer to that question is always no. I read the following in the Casino Verite Software: Can you help me with this?

There you can find: This works because of the unbalanced nature of the count. Or do I need to count them equally?

Treat them independently, and reassess after each drawn card changes the hand. Here are some examples: You will draw each of those hands about once every hands or so.

As to whether or not to double, 9,3 is a hard 12 and should certainly never be doubled. Also against a dealer 4 in some 1 and 2 deck games. See the Strategy Engine for accurate advice for any game.

I assume you are asking about accessing the charts on your smartphone in the casino. I do not recommend that. In the US, there are laws prohibiting the use of devices in gambling.

Most of these laws are based on the Nevada version, which is written in a way that it could be interpreted to mean even something as harmless as looking up a strategy.

If you want access to the strategy in the casino, get a plastic card instead.

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