How to win at Blackjack

An iconic casino game that’s fun, easy to play, and has great potential for profitability (if you know how). While there is obviously luck involved, there is also a lot of strategy to apply with odds and probabilities. Read on to see how to play and how to win at blackjack.

Ease of play:

Profitability:

Enjoyability:

Don’t like reading? A speed guide can be found in this blog post.

Rules and how to play Casino Blackjack

(skip ahead if you already know how to play)

Basically, get the total value of your cards as close to 21 points as possible, without going over.

  • Before the round starts, you decide how much you want to bet on the hand.

    – Each casino will have its own minimum and maximum bet.

  • You are given two cards face up to start. 

  • The casino dealer will have one card face up. 

  • There are usually up to 7 available player seats per table.

  • Players get to start. From dealer’s left to right, each player gets to decide whether they want extra cards.

    • Splitting:
      • If the player’s 2 starting cards are the same, they will be given a choice to ‘split’ them into 2 hands. 
      • The player will have to place 2 bets of the same amount (depending on the initial bet. So if you bet 10 euros, you’ll have to bet 10 euros again on the 2nd hand.)
      • Each starting card will be given another card, and then treated as 2 separate hands.
      • E.g. let’s say you were dealt two 9s to start. You split them. Your first 9 gets a 10, which gives you a total value of 19
        Your second 9 gets a 4, which has a total value of 13. They will now be treated as 2 hands and you will be given a chance to continue taking cards for each.
      • Doubling down:
        • If your first 2 cards have a total value of 10, 11 or 9 (not for all casinos), you will be given the choice to ‘double down’.
        • When doubling down, you will double your bet, and only get 1 extra card, meaning you cannot draw more cards after that.
  • The total value of the cards cannot go over 21 points. If they do, the player instantly loses.

  • All picture cards (Jacks, Queens, Kings) have a value of 10 points.

  • An Ace has a value of 11 points, unless the total value of the player’s cards are over 21 points. In that case, the Ace will have a value of 1 point. Any hand that has less than 21 points and contains an Ace is called a soft hand. 

    • E.g. First 2 cards: 6 and Ace (6 + 11 = 17 points) Next card is a King, so instead of 17 + 10 = 27 points, the Ace’s
      value becomes 1 point, which brings the total value of the hand to 6 + 10(K) + 1 = 17 points.

  • If your first 2 cards dealt are an Ace and any face card or 10, that’s called a Blackjack, which gives you an automatic win.
    Blackjacks are usually paid out at up to 3:2 times your bet amount, depending on the casino.

  • Once all players have had their turn, the remaining players (those whose total card values have not gone above 21 points) will play against the dealer.

  • The casino dealer will keep drawing cards, stopping when the value of their cards is at least 17 points.

  • If the dealer’s hand goes bust (above 21 points), the dealer loses, and all remaining players instantly win.

  • If the dealer has not gone bust, each player then compares the value of their cards against the dealers. If your hand’s value is higher than the dealer’s, you will win your bet amount. 

  • If you and the dealer have the same points, it’s called a push, and you won’t win but you’ll get your bet amount back.
Picture of online blackjack table with hands dealt

Here we have an example:

  • The left-most player has 18 points
  • The middle player has 9 points for their first 2 cards. They doubled down and hit a 10 for a total of 19 points.
  • The 3rd player has 15 points.
  • The dealer has 9 points as their starting hand. The dealer then drew a 7 which brought the total to 15 points. Since that is less than 16 (the minimum), another card (a 10) was drawn, for a total of 25 points
  • Hence, the dealer went bust and the all players won.

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Blackjack House Edge

To know how to win money with blackjack, you’ll need to understand how the house has its edge. But, you’ll be happy to know that casino blackjack has one of the most favorable house edges for the player at 0.43% – 2%, depending on the casino’s rule variations. 

Without going into the hazy mechanics, here are the factors that contribute to the house’s edge in blackjack:

The dealer acts last.

It might seem like a small deal, but it’s not. It basically means that if the player goes bust (over 21 points), they immediately lose, without the dealer even drawing their 2nd card.

You might think, ‘but I can decide whenever to stop drawing cards, so I may never go bust’. While that is true, it’s not the best way to play the long-term odds.

Bet caps

The Martingale Betting Strategy is a strategy/theory that is built on the premise that you can’t lose every hand forever, and so if you always just double down on your bet every time you lose, you will recover everything you’ve lost when you eventually win, and hence, you will theoretically never lose IF there are no bet caps and you have infinite bankroll.

We will break this down further with examples in the section below, but obviously casinos know this, which is partly why there are betting caps on each table.

It is still possible to execute a smaller version of this strategy, but the bet cap ensures that you can only double your bet a few times, which means in the long term, as long as you keep playing, you will eventually hit a losing streak past your possible doubling bet amount, and you will lose an even larger sum of money. 

In short, the house will always win eventually.

Emotional traps

If you play straightforward good blackjack, the casino’s edge is, as we said, 2% at most

Enter emotional traps. Casinos will try to create more scenarios for you to get greedy 
from the possibility of winning more money or by increasing the hand action

These additions will serve to do one or both of 2 things: 1) increase the amount of money
you bet on the table, and/or 2) increase your emotional stake

Such scenarios and betting opportunities include:

Side bets
Doubling-down
Splitting

Although many of them can work in your favour if played correctly, such as doubling down,
even when done right, the thrill of hitting only that one card on a doubled bet will
spike your emotional state

If your emotional state is spiked, the likelihood of making riskier decisions, such as those
with poorer equity, increases. This, coupled with bet caps, means that if you dig a hole for 
yourself, the emotional trap of feeling stuck will keep compounding and as you get 
more and more desperate.

And even if you have infinite bankroll, you can’t increase your bet amount so that you win it 
all back in one hand because of the bet caps. This will likely increase your desperation, 
and poor decisions. 

Your Blackjack payout

This one is simple. Most casinos pay out 3:2 times your bet amount for a blackjack, which means if you bet 10 euros, you’ll win 15 euros for a blackjack.

However, some casinos pay as low as 6:5, which in the long run can cost you a fair penny.

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Best Blackjack Strategy – How to win at blackjack

TLDR; Click here for a simplified player actions chart

In order to show you how to make money at blackjack, here’s the sections we cover: blackjack statistics, always-do practices, best blackjack situations, good blackjack situations, bad blackjack situations, worst blackjack situations, when to double down in blackjack, what blackjack hands to split, and finally, bet sizing. We will also quickly glance at a quick example of the martingale system

The best way to play blackjack doesn’t really change much from live to online casino. The only difference is that since real cards are not used online, we really have no idea what cards would be used or left out of a 4-deck size (see card counting below).

In any case, the best blackjack strategy is built around probability-based decisions calculated from your hands and the dealer’s hand strength. 

In layman’s terms, make your decision based on the dealer has, and then what you have.

Card probability breakdowns

The following deck probability points explain why alot of the best blackjack strategy revolves around the value of 10(or 11).

  • There are 4 cards out of 13 that have a value of 10. (10, J, Q, K)

  • Furthermore, the Ace counts as 11 points as long as you have under 21 in total.

  • That means, outside of card counting probabilities, everytime you draw a card you have a 38.4% chance of getting a card with a value of 10 or 11.

Card counting

When it comes to card counting, especially for online casino blackjack, our best advice is simple: Forget it

Completely leave it out. It’s not the best way to play blackjack because as we mentioned previously, we usually don’t know how many decks are being used (physically or not). Plus, if you apply the strategies below, you’ll be more than okay without it

And if you need further reason, it takes alot of mental focus which limits your playing time, may spike your emotional state when you get tired, and also removes a good amount of fun from the actual blackjack playing. Simply put, it’s not the best way to win money at blackjack like the movies or popular media show.

Always do

So how to win money at blackjack? Let’s start with always applying the following practices:

  1. Since the maximum points from 1 single card is 10, always hit a card when you have less than 11 points from your first 2 cards.

  2. On the other hand (haha), if you have 17 points and above, always stay, since there is an about 70% chance (9/13 cards with 5 points and above) that you will bust if you hit a card on 17. 

Best blackjack situations

TLDR; always stay when you have 17 points and above

You can probably already guess that a Blackjack (an Ace and any card with a value of 10), or 2 starting cards with a value of 20 are your most favourable situations to win money.

With 20 points on your starting hands, your chances of winning (or pushing) are a whopping 92%. In fact, as we said above, staying on a starting hand of 17 points and above is the most profitable because you are at least 70% to win or push

But these situations are easy to play. We need to look at the rest: when do we hit, stay/stand, double-down or split?

Good blackjack situations

TLDR; When the dealer has 4,5,6, you can afford to take more gambles

So now we’ve established that 10 is the most likely card value you will draw (30% without the Ace). 

That means, after accounting for all probabilities, the dealer’s worst positions (and hence your best) are when they are showing a 4, 5 or 6

This is because regardless of whatever card they draw, the highest possible value is 10, so they will still have under 17 points, and will have to draw another card.

So if the dealer has 4, 5 or 6, they will always have to draw 2 cards (if they draw an Ace on 6, they will have a soft 17. They may or may not stand on a soft 17 depending on the casino’s house rules).

If they have a 4, they will need to draw 2 cards that have a combined value of less than 18

If they are showing a 6, they need 2 cards with less than 16 points.

In terms of probabilities, it means that if the dealer has a 5 or 6, there is a 42% chance that they will go bust

See the full table of the dealer’s bust probability below.

Table showing dealears card and probability with odds.


So, when the dealer has 4, 5 or 6, you should take advantage and:

  1. Stay on most poor hands (13 – 16 points).

  2. Always double down on 9, 10 or 11.

  3. Split pairs of 2, 3, or 4s
    • Since the dealer is weak, this is a good time to put more money on the table by playing 2 hands that
    • have smaller values and are unlikely to go bust

Of course, there is no such thing as guaranteed winning. These practices simply maximize your chances of winning and require consistency for long-term winning. 

There will be times when the dealer has a 6, you double down on a 10 and still lose. In those times, remember to be avoid emotional spikes and play consistently.

Bad blackjack situations

TLDR; when you have 12-16 points, hit if the dealer is strong (>7) and stay if the dealer is weak (4,5,6)

Now you know what to do when the dealer is in a tough spot. But what about those iffy situations in blackjack? How to win at blackjack then?

These situations usually come from when you have 12 to 16 points from your first 2 cards, including soft hands. This is because there is an at least 30% chance (4/13) to get busted by drawing a card with 10 points (12 + 10 = 22 points). 

See below for the full chart of your bust probability when you have 12 points and above from your first 2 cards.

Table showing dealears card and probability with odds.


So, when should you risk it? 

As we said, your actions should be based on not just your hand, but what the dealer has

Statistically, here are the best practices when you have between 12 to 16 points:

  1. If the dealer is showing 7 and above, you should hit a card. 
    • This is because if they draw a 10, they will immediately beat you. 
    • Additionally, if you look at the chart on dealer bust probabilities, you can see that the dealer’s chances of busting when showing 7 and above is 26% and lower.

  2. As we said previously, if the dealer is showing 4,5 or 6, you should stay on 12 points and above.

  3. If the dealer is showing 2 or 3, you should hit only on 12.
    • This situation contains the widest gulf between your stats and the dealer’s:
    • You have a 70% chance of not busting.
    • The dealer has a 63-65% chance of not busting.
    • That means you have a higher chance of not busting, which although is the smallest disparity in most situations, will work in your favour in the long run if you are consistent. 

  4. So, if the dealer is showing 2 or 3, you should stay if you have 13 points and above. 

Worst blackjack situations

TLDR; when the dealer is showing 9,10,11, hit if you have less than 17.

You can probably guess by now what those are: when the dealer is strongest, and when you are weakest. Don’t worry, you can still limit your losses and win at blackjack in the long run.

Dealer’s strongest

Again, we revolve our strategy around the 10. The dealer is strongest when, if they hit a 10, they are in a very good position; basically, when their opening card is a 9,10 or 11.

In these cases, the dealer only has a 23% maximum chance of busting, while having a 30% chance of getting a very strong hand (hitting a 10) on JUST the first card. 

In these cases, we want either want to limit the bet money we have on the table or take our chances and hit a card for a strongest hand, at the risk of going bust. 

Player’s weakest
As we looked at previously, your worst positions are when you have 12-16 points on your starting hand. 

Like we said above, when the dealer is strong, these are the times when you should take your chances and hit a card. This is basically built upon the logic that the dealer is even less likely to bust than you are (less than 23%) and your best chance is to hit a small card and hope the dealer does not hit a card with 10 points on the first card.

If you have 17 points and above, as we said, just stay, regardless of the dealer’s strength.

When to double down in blackjack

You can’t know the best way to play blackjack without look at the concept of doubling down and when it should be applied

Again, revolving around the 10 (and 11), you are usually offered the chance to double down when you have 9, 10 or 11 points on your starting hand.

In these situations, you will have a 30% chance of hitting a card with 10 points, which will give you 19 to 21 points
An outlying to this situation is when you have 11 points, and you hit an Ace. This is not favourable as it will actually bring your total to 12 points (e.g if you have a 5 and 6, 5 + 6 = 11. 11 + Ace (11) = 22 (Bust), so Ace becomes 1. Hence, 5 + 6 + Ace(1) = 12). 
If you have a 9 or 10, you have a 38% chance (5/13, 10, J, Q, K, Ace) of getting 19-21 points
See below for a full table of stats for doubling down:

Total after db >>17>18>19>20
Starting hand v
954%46%38%7%
1062%54%38%38%
1162%54%30%30%

From the table, you can see that your chances of hitting a good hand (17 and above) is as high as 62% with 10 or 11 points, and more importantly, you have a 0% chance of going bust.

The downside?
 
You only get one card.
 
As you can see, this is a very favorable situation for the player to win more money in blackjack, so why would the casino let you have it?
 
As we mentioned before, you do have to increase your bet money, and the chances of emotional spikes or tilting do increase if you lose. All things considered, the casino is targeting ‘bad’ players, the benefits of which outweigh letting the ‘good’ players have an edge.
 
So, the big question: When to double down in blackjack? Shouldn’t we always double down?

Almost! But no.
 
Statistically, there are situations where doubling down, as good as it sounds, is not the best way to play blackjack, namely, when adding more bet money to the table and only getting 1 card are not the best for your hand.
These situations typically arise when the dealer has a good chance of not going bust and is strong (has a good chance of making a good hand).

So, here is when to double down and try to win more money in blackjack hands:

  1. Always double down when the dealer is weak, i.e. showing 2-6 points.

  2. Never double down when the dealer is showing an Ace.
    • If the dealer hits a 10-point card on an Ace, they will get a blackjack, which is an automatic win for them, regardless of your points.

  3. Always double down on 11 points, unless the dealer has an Ace.
    • See above; a blackjack still beats 21 points, so it doesn’t matter if you hit a 10-point card.

  4. Always double down on 10 points, unless the dealer has 10 points or an Ace.
    • If you hit a single card and have less than 17 points (e.g. a 5), you’ll be in a very poor position against the dealer, since they have a 77% chance of having at least 17.

  5. Do not double down on 9 points if the dealer is showing 7 or higher.
     
  6. Do not double down on soft hands (Ace 8, Ace 9), unless the dealer has 4,5,6 points.
    • You are already in a great position. There is no need to add more bet money to the table.

  7. Some casinos let you double down on any hand (not just 9, 10, 11). In this scenario, strike and double down when the dealer is weak (4,5,6). It’s a good strategy on how win at blackjack in the long run.

What blackjack hands to split/when to split in blackjack

The strategy and best practices for splitting in blackjack revolves around 3 familiar concepts:

  1. Taking advantage of the dealer’s weak situations
    • Particularly when the dealer is showing 2 – 6 points

  2. Neutralizing your (the player’s) weak situations
    • When you have a poor hand like 2 7s or 2 8s

  3. Capitalizing on favourable positions
    • The best times to put more bet money on the table.

Unlike doubling down, you don’t just get 1 card each (in most casinos. Some casinos will only give one card each when you split, especially when splitting aces), you actually get 2 separate hands that you can draw multiple cards for each to play to completion. 

See here are the best way to play blackjack when splitting, or check out our graph:

  1. Always split 2 Aces (12 points), unless the dealer has an Ace 
    • 12 points is a terrible hand. With each Ace, you have a 61.5%(8/13) chance of making a hand with at least 17 points. 
    • Even if you get a small card (5 and under), you can always safely hit a 3rd card with 0 chance of going bust
    • If you get another, depending on the casino, you can split again. 
    • In a traditional casino setting, you would split 2 Aces even if the dealer was showing an Ace. This is built on conventional card counting logic that you are taking more cards and hence reducing chances for the dealer to hit a 10 point card.
    • Outside of a traditional casino situation, if you have 2 Aces and the dealer has an Ace, don’t split, just hit.

  2. Do not split if the dealer is showing 8 or higher, unless you have 2 Aces (point 1). 
    • If the dealer is strong, don’t put more bet money on the table!

  3. Never split 2 10s. It’s 20 points! Don’t get greedy.

  4. Split 2 9s unless the dealer has 7, 10 or Ace.
    • If the dealer is weak (7 and below), a 9 to start on each hand is a great advantage.
    • If the dealer has a 7, pulling a 10 will give them 17, which loses to your 2 9s (18 points). Remember, they have to stand on 17. 
    • If the dealer has 8 or 9, it’s still good to split 2 9s because if you hit a 10 point card to get at 19 points on either hand, you are likely to be safe against at least one hand (if the  dealer also hits a 10 to give them 18 or 19 points). 
    • If the dealer has 10 or Ace, they are strong, so don’t add more bet money onto the table. Hold fast and pray for a bust. 

  5. (Almost) always split 2 8s (16 points).
    • This is not so much as capitalizing than it is avoiding a poor hand of 16 points. 
    • If the dealer is weak (4,5,6), you might take a chance on standing and hoping the dealer goes bust to play it safe. 

  6. Do not split 2 4s.
    • Just hit. You cannot go bust and the best case scenario is hitting an Ace for 19 points (4 + 4 + Ace(11) = 19). 

  7. Only split 2s, 3s, 6s and 7s, when the dealer is weak (6 and below)
    • Simply put, a good time to put more table on the table.
    • If the dealer is strong, play the points and avoid adding more bet money

Bet Sizing in Blackjack

If you really want to win money at blackjack, especially in the long run, you have to apply bankroll control. We recommended 2 ways to do this: deciding on a percentage of your total bankroll and applying range control.

In short, deciding a percentage of your bankroll to play helps you keep things in check and to ride out variance swings (basically luck swings).

Applying range control is (usually) betting regularly with a small to medium amount (depending on the table betting minimum and maximum), and then tweaking it based on your run (how consecutively you are losing or winning).

Play only a percentage of your bankroll

How to win money in blackjack? Let’s start with not losing too much! As we mentioned in previously, we recommend allocating 5-10% of your overall bankroll per session. 

Which means if your full bankroll (the total amount you are willing to play for in the long term) is 5000 euros, we recommend keeping it to a maximum of 500 euros per session.

It’s important to decide this amount beforehand and STICKING TO IT. We cannot stress this enough. If casinos removed all of their odds-based advantage, they would still make money based on the fact that people naturally lose sight of their limits

If you decide on 5% (250 euros), and you lose 250 euros, DO NOT think: ‘ahh but luckgurus recommended up to 10% (500 euros), so i could probably just play for another 250 euros. I would be doing the same tomorrow anyway’.

While that is technically true, the key ingredient here is your state of mind. You are ‘in the hole’, and very prone to emotional spikes and getting desperate. That means you will most likely play worse than usual and are more likely to lose the money.

Winning Limit

If you only set a losing limit, guess what? You’ll only lose. 

Set a winning limit for when to walk away. We recommend the 2.5:1 rule(l). So if my session limit is 500 euros, my winning limit is 500 x 2.5 = 1250 euros

If you play by these limits and you only win 2 out of 5 days in a week, you’ll still come out on top pretty nicely (+1250 x 2 = +2500. -500 x 3 = -1500. You’ll come up +1000 in a week).

Time Limit

Like we mentioned in our other guide, all of this won’t work without a time limit. If you decide that you’re either going to win 2.5x your session limit or lose it all, you may be playing for way longer and probably not come out in the positive. 

So set a time limit. And walk away regardless of how much you are up or down when it hits.

We recommend 3 hours max.

Betting range control

This is a more complex theory and methodology when it comes to gambling, but essential for learning the best way to play blackjack. It can come in the form of a betting system, or a simple formula like below. 

This approach generally revolves around tweaking your bet sizes to take account for swings. A simple formula we like to use is the +3/-3 rule. Simply put, it means that if you win or lose 3 times consecutively, it’s time to change your bet size, based on the assumption that you are more likely to go the other way. 

So if you have won 3 hands in a row, you are statistically more likely to lose next, so you should downsize your bet and keep it low until you lose once or twice.

Let’s say your session limit is 500 euros, and the minimum bet is 5 euros. We recommend starting at a small to medium stake relative to the betting minimum and maximum. 

So let’s say we are placing our standard bets at 20 euros.

If your hand count is +3 (3 consecutive wins), we recommend downsizing your bet to 5 euros on the next hand. 

If your hand count is -3 (3 consecutive losses), we recommend increasing your next bet to 40-50 euros

However, we do need to warn that the increasing of bet amounts should always be lower (by multiplier) than decreasing. What we mean by this is that we would lower the bet from 20 to 5 (divided by 4) when your hand count is +3, but we would only increase the bet amount from 20 to 40 (multiplied by 2) when your hand count is -3

In other words, reducing the bet is much more important that increasing

The reason for this is that we don’t want to get desperate and try to recoup everything on one hand. We are just trying to take advantage of the swings when playing blackjack. At the end of the day, we are playing the long game, so it’s better to make smaller wins and incur smaller losses in the long run.

In fact, the safer approach is if you only apply bet range control for consecutive losses, meaning only downsizing your bet when you have several consecutive wins. This would let you would still come out on top, albeit slower.

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The Martingale System in Blackjack (An Example)

This system is a great way to win money at blackjack but has its limitations. Assuming that you can’t lose forever (unless you do it on purpose by hitting cards until you go bust on every hand), the Martingale system acts on the premise of controlling your bet amounts to always win at blackjack (or other games).

Let’s say you’re playing with 5-euro bets. You lose the bet and now you’re -5 euros. So, you double your bet to 10 euros. You lose again and now you’re -15 euros

What do you do? You guessed it: double again!

Now you’re betting 20 euros. You lose. You’re -35 euros now. Double it again, and bet 40 euros. You lose again, now 4 times in a row, and you’re -75 euros.

Double it up! You’re betting 80 euros now. You lose, 5 times in a row now and you’re -155 euros. Double. It. Again. 160 euros on a single hand.

You lose! 6 times in a row now. -315 euros in the hole. Let’s double it again. 320 euros on a single hand. Yeap. Lost again. 7 times in a row. How much worse can it get? You’re -635 euros now.

You double it again. 640 euros on a single hand. But 8th time’s the charm! You win the hand. You win 640 euros, which brings your total to +5 euros

So, you can see how the martingale blackjack system works, and why casinos would guard against it. 

If you had no limit on your bankroll and there were no betting caps on the tables, the Martingale system would work. And if you’re thinking ‘how many times can I lose in a row?’ Know that losing streaks of over 10 are rare but not outlandish

Take a look at this guy’s 25 consecutive losses. If you had started the martingale system with 5 euros and lost 25 times, on the 26th bet, you would be betting 167,772,160 euros, to try and be 5 euros in profit. 

On top of the structural limits from bankroll and betting caps, it’s a lot of exponential risk for smallish profit. 

All in all, this is a great system to use, but not necessarily the best way to play blackjack.

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Author

Says Quah

Boasting over 10 years of experience in the creative industry, Says’ true passion has always been seeking the balance between the thrill and danger of gambling…
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