For blackjack starters, you don't have to compete against other players for blackjack payouts. It's you against the dealer, in single-hand blackjack games, or multi-hand blackjack games.

As a newcomer to the blackjack scene, you may be surprised to learn that you don't need to form a hand value of 21, or even blackjack to win a game. The only thing that is required is a hand value that beats the dealer's hand, without exceeding 21. That being said, let's get down to the business of blackjack payouts. 

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Would you believe that there are dozens of different types of blackjack games, each of them with a unique set of blackjack rules, and blackjack statistics. The history of blackjack dates back to the 1600s, making this casino card game an age-old favorite.

This classic card game has gone through several iterations over the years, resulting in a multitude of unique variants of blackjack. Each game is customized to its player base, with a set of rules, blackjack payouts, and blackjack strategies to maximize the user experience. When scouting for the best blackjack games to play, it's important to look out for several things, notably:

• What are the blackjack rules?

• Does blackjack pay 6:5 or 3:2?

• How many decks of cards are used?

• How many blackjack players are at the table?

• What are the minimum bets and the maximum bets?

Each of these factors is incredibly important when choosing a blackjack game to play. We'll go into the mechanics of blackjack rules a little later on in this guide, but we will begin our discussion with blackjack payouts on different games. Let's get started!


This popular variant of the game allows players to bet on 1, 2, or 3 blackjack hands. You don't need to wait for a seat open up to get started at an online blackjack table. This game uses 6 decks of cards which are usually manually shuffled at a casino.

It is based on European Blackjack rules, so the dealer is not allowed to peek for blackjack. In this variant, the dealer hits on soft 17s, and players are allowed to split once only. Don’t forget that with blackjack card values, Aces can count as 1 or 11. It is permissible to double after a split. If you split Aces, only 1 card will be dealt for each hand. 

Insurance payouts on Blackjack Early Payout are 2:1. This game is a unique variant of Blackjack Surrender, where players can cash in before the dealer has completed their hand. Experts recommend using basic blackjack strategy with early payout.

It's a better way to cash in your hand when you don't want to see it through to completion. With Blackjack Early Payout, you can get some money back, rather than losing everything. You can double on a split, and double on any cards.


There are many different types of blackjack games to play. These include Spanish 21, European Blackjack, Progressive Blackjack, Classic Blackjack, Atlantic City Blackjack, Blackjack Switch, Pontoon, Vegas Strip Blackjack, Super Fun 21, and Live Blackjack.

Naturally, the rules of play will differ somewhat from one game to the next. Blackjack relies on a combination of strategy, skill, and good fortune. Each element is an extremely important component of the game.

Spanish 21 – 6/8 decks of cards are used in Spanish 21. All the 10s cards are removed from the deck, with just 48 cards in the game. The house edge increases accordingly. The dealer is allowed to sneak a peek at the hole card and the dealer wins if he/she has 21 or blackjack. Late surrender and insurance are permissible. [House edge 0.37%]

European Blackjack – 2 decks of cards are used in European Blackjack games. Each of the first 2 cards dealt to the player is face up. The dealer receives 1 face up card and 1 face down card (hole card) once the player has decided whether to hit, stand, split, double et cetera. [House edge 0.62%]

Progressive Blackjack – Progressive Blackjack is similar is standard blackjack games, with one of the differences being that a player can compete for a progressive jackpot. This bet costs an additional $1 which must be placed in order to stand a chance of winning the progressive jackpot.

Multi-Hand Blackjack – Multi-Hand Blackjack games allow players to play between 1-5 hands simultaneously. With 5 chances to beat the dealer on any given draw, players are naturally attracted to MH Blackjack games. A word of caution is advised: these games can get expensive since you're playing up to 5 games at a time. [House edge 0.46%]

Classic Blackjack – this is the traditional form of blackjack. Anywhere concerning the new bigger simulator is the new bid to the city from 1 through 8 decks of cards can be used. Both player and dealer are dealt 2 cards apiece, with one of the dealer’s cards dealt face up and the other dealt face down.

Players win if the hand total is 21, but any total over 21 automatically loses. Another way to win is if the player's hand total beats the dealer's hand total, without exceeding 21.

Atlantic City Blackjack – AC Blackjack is played with 8 decks of cards. The dealer peaks for blackjack and stands on a soft 17. Other important rules also apply. [House edge 0.42%]

Blackjack Switch – In this variant of the game (created by Geoff Hall in 2009), players are allowed to switch between 2 pairs of cards. In other words, blackjack players receive 2 hands. The cards are all dealt face up, and players can switch between the two pairs to form the strongest hand. The payout is less at 1:1, rather than 3:2. The dealer automatically wins with blackjack regardless of whether the player has blackjack before the switch was made. [House edge 0.58%]

Pontoon – This blackjack variant has different names for traditional blackjack actions such as hit and stand a.k.a. twist and stick. It is played similar to Spanish 21 with all the 10s cards removed and just 48 cards remaining in the deck.  [House edge 0.55%]

Vegas Strip Blackjack – Vegas Strip Blackjack is an American variant of the game, where the dealer can peek at his/her hole card. The dealer must stand on soft 17s. This game is played with 4 decks of cards, and after players split Aces, doubling down is permitted. [House edge 0.44%]

Super Fun 21 – this game of blackjack is played with 1 deck of cards. It follows Classic Blackjack rules, with slight modifications with its blackjack payouts. For example, if a player has a natural blackjack, it always trumps the dealer’s natural blackjack. Blackjack pays 1:1, instead of 3, 2, and Diamond Blackjack 2:1. [House edge 1.16% with a single deck and 1.40% with 6 decks]

Live Blackjack – Live Blackjack is not a specific variant; it could be any type of blackjack game played with live dealers via streaming webcam in real time. You can pick the blackjack payouts that best meet your needs with live blackjack games. [House edge 0.46%]


Whether you're at a land-based casino playing blackjack, playing blackjack with friends, or playing blackjack at an online casino, you will invariably notice 2 standard payout possibilities on blackjack. These are 6:5 blackjack tables and 3:2 blackjack tables. What's the difference and which one should you play?

6:5 Blackjack – these blackjack tables pay 6/5 every time you have blackjack. If you have a natural 21, you won't receive the standard blackjack payout of 3:2, you'll get 6:5. This puts the player at a distinct disadvantage by adding 1.39% to the house edge.

A quick example will illustrate 6:5 blackjack:

• Player Hand: Jack of spades + Ace of hearts = Blackjack

• Dealer Hand: 10 + 6 = 16

In this case, the player has blackjack and receives a payout of 6:5 on his/her $100 bet. The blackjack payout in this case is $100 x 1.2 = $120. You're more likely to encounter 6:5 blackjack tables at Las Vegas Strip casinos.

These venues often place the 6:5 restriction on blackjack tables with the minimum bet is under $50 per hand. Casinos are more willing to offer better odds on bigger minimum bets – that's where you will find 3:2 blackjack tables. If you find that you’re at a table with unfavorable betting odds, it’s good blackjack etiquette to politely excuse yourself and move to another table. 

3:2 Blackjack – these are the best blackjack payouts for players. With a 3:2 blackjack table, you will receive 1.5 x your bet when you have blackjack. Using the same hand values listed above, your payouts will be as follows:

$100 blackjack bet x 1.5 (3/2) = $150. Clearly, it's in your best interests to play at 3:2 blackjack tables rather than 6:5 blackjack tables

When you're looking for the best blackjack payouts, you have to look beyond 6:5 or 3:2. It's also important to know when you are allowed to double down. For example, if the blackjack rules state that you can only double on a hand value of 10 or 11 (double means that you double your bet and take only 1 card). If these rules are in effect, the house edge rises towards 2%. 

Fortunately, you won't have to worry about getting caught by surprise at an online casino. Blackjack tables always indicate whether they pay 6:5 or 3:2. 

Useful Tip: If both the dealer’s hole cards are visible, you can expect a much lower RTP on naturals. Sometimes, a tie result favors the dealer – that's right important to carefully read the blackjack rules.


With dozens of variants available, unique blackjack payouts, and different blackjack odds, it can get a little overwhelming choosing between games. Naturally, your preference for a game is the best way to make your selection.

Whatever game you choose, it's important to learn the rules of play, implement effective blackjack bankroll management, and choose a game with the best blackjack payout possibilities. Don't forget to practice online blackjack games in demo mode, before you play for real.

About the Author

With digital marketing strategies in his blood, Louis Wheeler has traveled around the world, exploring gambling cultures and gaining experience in casino games from 2003. If you are in a casino anywhere around the planet, you may find him right next to you, playing blackjack, roulette or texas hold'em.