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Blackjack payouts
Two numbers on a table sign, thirty points apart on the same hand.
A natural blackjack traditionally pays 3 to 2. Some tables pay 6 to 5.
On a 100-point hand that is 150 against 120 — same cards, same hand, thirty points of difference.
The rates
| Outcome | Pays | Returns |
|---|---|---|
| Blackjack at 3:2 | 1.5× | 150 |
| Blackjack at 6:5 | 1.2× | 120 |
| Ordinary win | 1× | 100 |
| Push — a tie | 0 | Nothing changes hands |
| Loss | — | You lose the hand |
Why 6 to 5 matters more than it looks
The change is presented as small — one ratio replaced with another. But it applies to the best hand in the game, the one you were rewarded for holding.
A blackjack appears roughly once every twenty-one hands. Over a long session that is a lot of hands paying twenty percent less than they should. It is the first number to check at any real table, and it is usually printed on the felt.
A natural beats a three-card 21
Twenty-one built from an ace and a ten-value card on the first two cards is a natural. Twenty-one built from three or more cards is just twenty-one.
The natural wins the comparison and pays the blackjack rate. Three-card twenty-one pays even money like any other win. Same total, different hands.
How often a blackjack appears
Four aces and sixteen ten-value Blackjack cards in a 52-card deck, and either order counts — ace first or ten first.
That works out to roughly 4.8 percent of hands, or about one in twenty-one. A neat coincidence, and a useful one to remember.
Pushes
A push is a tie: you and the dealer finish on the same total and nothing changes hands. Both holding blackjack is the most common case.
A push is not a loss, but it is not a win either — and on a hand where you held a blackjack it feels like one, because that hand should have paid.
The games we publish use virtual points with no monetary value — no deposits, no withdrawals, no cash prizes. A free Blackjack game download for Android, free to play.
Get it on Google PlayHow often a blackjack actually appears
Counted from a 52-card deck, either order: an ace then a ten-value card, or a ten-value card then an ace.
| Step | Count |
|---|---|
| Aces in the deck | 4 |
| Ten-value cards | 16 |
| Ace first, then a ten | 4 × 16 = 64 |
| Ten first, then an ace | 16 × 4 = 64 |
| Total blackjack deals | 128 |
| All two-card deals | 52 × 51 = 2,652 |
| Frequency | 128 / 2,652 = 4.83% |
Roughly one hand in twenty-one. Which is why the payout rate on that one hand matters more than it looks — it is the hand you were rewarded for holding, and 6 to 5 pays 20% less for it.
Blackjack Jaiho: 21 is a free Android app that plays these Blackjack rules. It installs from Google Play, has no in-app purchases, needs no account, and works offline once installed. Chips are counters with no monetary value.
Common questions
What does Blackjack pay?
A natural blackjack — an ace with any ten-value card on the first two cards — traditionally pays 3 to 2. Some tables pay 6 to 5, which is substantially worse for the player.
What is the difference between 3 to 2 and 6 to 5?
On a 100-point hand, 3 to 2 returns 150 and 6 to 5 returns 120. The same hand, the same cards, thirty points apart.
Does a blackjack beat 21 made from three cards?
Yes. A natural blackjack on the first two cards beats any twenty-one built from three or more, and it pays the blackjack rate rather than even money.
What is a push in Blackjack?
A tie. You and the dealer finish on the same total and nothing changes hands. A push on a blackjack against a dealer blackjack is the most common example.
How often do you get a blackjack?
About once every twenty-one hands, or 4.8 percent. There are four aces and sixteen ten-value cards in a 52-card deck, and either order counts.
Why do some tables pay 6 to 5?
It increases the house edge considerably while looking like a small change. It is the single most important number to check before sitting down at a real table.
What is the payout on blackjack?
A natural blackjack traditionally pays 3 to 2, so a 100-point hand returns 150. Some tables pay 6 to 5 instead, which returns 120 for the same cards.
Why does the 3 to 2 payout matter so much?
It applies to the best hand in the game, and a blackjack appears roughly once every 21 hands. Over a session the difference compounds.
Keep reading
References
- Blackjack on Wikipedia, the reference article on the game