How Blackjack Pays Out

November 19, 2020

Blackjack has been with us since the 1700s, so it makes sense that there have been so many takes on this casino classic over the years. And the rules differ from one version to the next. While each of the elements of good luck, skill, and strategy play a part in them all, the payouts vary from game to game.

Atlantic City Blackjack

 Atlantic City Blackjack is played with eight decks of cards, the dealer peeks for 21 and stands on a soft-17. The house edge is 0.42% and, in most cases, the Blackjack payout is the standard 3:2. But always check the rules because there are sites that pay 6:5, for instance.

Blackjack Switch

 Geoff Hall created this variant in 2009 that allows you to switch between two pairs of cards. They’re all dealt facing up and you can mix and match to form the best hand. The payout, however, is less, at 1:1 rather than 3:2 and the house edge is 0.58%.

Classic Blackjack

Between one and eight decks of cards are used for the traditional form of the game and the payout stands at odds of 3:2.

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European Blackjack

Two decks are used in European Blackjack. The house edge is 0.62% and you’ll be paid out at 1:1.

Multi-Hand Blackjack

You can play as many as five hands simultaneously in this variation. The house edge is 0.46% and the payout for Blackjack is the standard 3:2.


When you play Pontoon, you’ll Twist and Stick instead of Hit and Stand and the 10 cards are removed, leaving just 48. The house edge is set at 0.55% but the payout varies. Some sites are willing to pay a single or a treble stake rather than a double and others have only the players getting paid double and the dealer collecting just a single a stake for a Pontoon.

Progressive Blackjack

 This version of Blackjack is standard but has an added Progressive Jackpot side bet available. This usually costs AU$1 and, although payouts and details can vary, typically they’ll run like this:

  • If you get a 7 in your hand, for example, you win AU$5.
  • If you get two 7s of different suits, you win AU$25.
  • If you get two 7s of the same suit, you win AU$50.
  • If you get three 7s of different suits, you win AU$250.
  • If you get three 7s of the same suit other than diamonds, you win AU$1,000. And if they’re all of diamonds, you’ll win the Progressive Jackpot.

Spanish 21

Between six and eight decks are used in Spanish 21, but each has the 10s removed. The house edge is 0.37% and the payouts are as follows:

  • A five-card 21 pays 3:2
  • A six-card 21 pays 2:1
  • 21 with seven or more cards pays 3:1
  • A 21 total made up of 6, 7, and 8, or 7, 7, and 7 mixed suits pays 3:2
  • A 21 total made up of 6, 7, and 8, or 7, 7, and 7 same suit pays 2:1
  • A 21 total made up of 6, 7, and 8, or 7, 7, and 7 of spades pays 3:1

Super Fun 21

Super Fun 21 uses between one and six decks and follows Classic Blackjack rules albeit with payout modifications. 21 pays 1:1 and Diamond 21 2:1. The house edge depends on how many decks are in use. It’s 1.16% with a single one and 1.40% with six. A Blackjack pays out at 6:5 rather than 3:2, too.

Vegas Strip Blackjack

This American variant allows the dealer to peek at their hole card but they must stand on soft 17s. Four decks of cards are uses and player may double down after splitting Aces. the house edge is 0.44% and the typical payout is fixed at 3:2, although some tables do offer payouts of 6:5.