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Blackjack payouts

Two numbers on a table sign, thirty points apart on the same hand.

Updated 6 September 2026Points only, no real money
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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

What each outcome returns on a 100-point hand
OutcomePaysReturns
Blackjack at 3:21.5×150
Blackjack at 6:51.2×120
Ordinary win100
Push — a tie0Nothing changes hands
LossYou 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.

Points, not money

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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.

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References