Blackjack Rules

You're first step on the road to winning blackjack is a better understanding of the rules of the game and the effect of these rules on your prospects for successful play. So even if you have played a considerable amount of 21, I strongly advise you to study this section carefully.

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The object of the game

The player’s goal is to beat the dealer. To do this he must obtain a total that is greater than the dealers but does not exceed 21.

The number of players

The game has a dealer and from one to seven players. Some blackjack tables can accommodate five or six players but seven is the usual number.

The Pack

The Number of decks used varies widely from one ordinary 52 card pack to multiples of this, all the way up to six or eight decks. As we shall see later the more decks in play the worse it generally it is for the player.
In northern Nevada the rules are usually tough but the vast majority of games are single deck. In Las Vegas on the other hand the rules are usually better but multiple deck games predominate. In Atlantic city virtually all games use six or eight decks, and the rest of the world, with rare exceptions is strictly four, six and eight deck games.

Betting

The layout has betting spaces, usually a circle or similar marking, for each of the players. Before the deal begins the players place their wagers in these spaces. Once play is underway the bets may not be changed (except for doubling down, splitting and insurance, to be explained later). The minimum bet varies from a low of $1 to as much as $500, with $2, $5 and $25 dollar minimums the most common. The maximum bet varies from $25 to $2,000, or even higher with $500 the most common.

The deal

The dealer shuffles the cards and offers them into a player to be cut. He then places the top card in the discard tray or “burns” it to the bottom of the deck(s). The deal begins with the player to the dealer’s extreme left and proceeds in a clockwise direction until the dealer has dealt two cards to himself and two cards to each of the players. He deals one of his cards face up and the other face down; the players cards are either both face up or both face down, depending on the casino. As the dealer must play by fixed rules, it does not matter if he sees the players cards.

The value of the cards

The Ace counts either one or eleven, as the player chooses. The 10, J, Q, K all count ten, and the other cards count their face value. If a hand contains an ace and if counting the ace as eleven does not to result in the total exceeding 21, the hand is said to be “soft”. Soft hands therefore have two value; the “soft” total counting the Ace as eleven and the “hard” total counting the Ace as “1″. (Ace, 7), for instance has a value of soft 18, or hard 8. Other hands have only a hard total.

Naturals

If the player’s or dealer’s first two cards consist of an ace a 10-value card, the hand is called a “Blackjack” or a “natural”. If the player has a natural, and the dealer does not, the player wins the hand and is paid at odds of three to two. If the dealer has a natural, and the player does not, the dealer wins the hand at even money, and collects the player’s bet. If both the dealer and the player have blackjack, the hand is a “push” and no money changes hands.

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Insurance

If the dealer receives an Ace as his up card, he offers the players an additional side bet known as “insurance”, before he checks his down card to see if he has a natural. Any player wishing to take insurance places an amount equal (at most) to half his original bet in the space marked “INSURANCE”. If the dealer has a natural, the insurance bet wins and is paid at odds of two to one (saving the player’s original bet-hence the name “insurance”). If the dealer does not have a natural, the insurance bet is lost, and play continues as usual.
Although almost universally offered, one or two casinos in the Reno area do not allow insurance. And in London and elsewhere in the UK it is only allowed if the player holds a natural.

The draw

After the players have received their initial two cards, they may, if they choose, draw one or more additional cards. The draw begins with the player to the dealer’s extreme left, and proceeds in a clockwise direction. A player drawing additional cards receives them face up, one at a time, until he is satisfied with his hand, or until his total exceeds hard 21. In the latter case, the hand is “busted”, and the dealer collects the player’s bet and places his cards in the discard tray. After the players have acted on their hands, the dealer turns up his down card. If his total is sixteen or less, the dealer must draw additional cards until his total is 17 or more. If the dealer is dealt an Ace, and if counting the ace as eleven, would bring the dealers total to 17 or more, without exceeding 21, the dealer must count the Ace as eleven, and stand. About half of the casinos in the world have modified this rule for soft hands; in these casinos the dealer must draw to soft seventeen, and stand on soft 18 or more. This variation results in a small overall gain for the house.

Splitting

If the player’s first two cards have the same numerical value, he may, if he chooses, treat them as the first cards of two separate hands. This is called “splitting” a pair. To accomplish the split, the play turns his two cards face up on the table, places his original bet by one of the cards, and an equal amount by the other. The dealer then deals a second card to the first split, and the hand is completed in the usual way. A second card is then dealt to the other split, and play on this hand proceeds as usual. If Aces are split however, the player receives only one card, face down, on each Ace. In addition, if the player receives a 10-value card on one or both of the split Aces, the hand is not a blackjack but counts as ordinary 21. The same is true if the players splits a pair of 10-valued cards and draws an Ace; the hand is not a natural.
If a player, in splitting a pair, draws another card of the same value, most casinos will allow him to split again, up to a total of four split hands.

Doubling down

After looking at his initial two cards, a player may, if he desires, double his bet and draw one additional card. This option is known as “doubling down.”
Some casinos restrict doubling down to hands with certain totals. In the Bahamas and Puerto Rico, for example, doubling down is limited to total of 9,10 or 11, and in Northern Nevada the play may usually double on 10 or 11. Doubling down is usually not permitted on hands formed as the result of splitting.

Late surrender

After receiving his initial two cards, a player may, if the dealer does not have a natural, toss in his hand and forfeit half his bet to the dealer. This option is known as “surrender”. A player may not surrender hand that has been drawn to, and a player may not surrender a hand formed as a result of splitting.
Most casinos do not offer late surrender; currently it is limited to about half a dozen clubs in Las Vegas and Atlantic City.

The Settlement

After all the player and the dealer have acted on their hands, the dealer compares his total with that of the players.
If the dealer busts, all hands that have not busted win, and are paid even money. If the dealer does not bust, all hands that have not busted, and have a higher total than the dealer’s hand, win and are paid at even money. Those hands with a lower total than the dealer’s hand lose the amount wagered. If both the dealer and player have the same total, not exceeding 21, the hand is a “push”, and no money changes hands.

Of course, any players who have busted lose their wagers regardless of the dealer’s final total.

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