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Guide · blackjack Updated 27 Oct 2026

Blackjack basic strategy: chart, rules and odds

Basic strategy is the play that loses least for every combination of your hand and the dealer's up-card. On a 3:2 table with good rules it keeps the house edge around half a percent; playing by feel typically costs several times that.

The chart depends on the rules, so read the payout, the soft 17 rule and whether you can double after a split before you use one.

By Chloe O'Sullivan | Blackjack

Check the rules before you sit

Source: Wizard of Odds
RuleEffect on the house edge
Blackjack pays 6:5+1.39 points
Dealer hits soft 17+0.22 points
No double after split+0.11 points
Late surrender allowed-0.08 points

The payout matters most. On GH₵5,000 of total bets, a 6:5 table costs about GH₵70 more in expected losses than a 3:2 table.

Core plays

  • Always split aces and eights.
  • Never split tens or fives.
  • Stand on hard 17 or more.
  • Hit hard 12 to 16 against a dealer 7 or higher; stand against 2 to 6, except hit 12 against 2 or 3.
  • Double 11 against every dealer card except, on some rule sets, an ace.
  • Do not take insurance.

Live and RNG tables

The same chart applies to both. RNG blackjack reshuffles every hand and plays faster, so the same stake costs more per hour. Live tables have fixed minimums and a slower pace, and some new formats such as Infinite Blackjack change side rules; check the info panel.

Counting cards online

Card counting does not work usefully online. RNG games reshuffle every hand, and live tables use continuous shufflers or cut deep into the shoe.

Bankroll and bonuses

Set a session budget and a unit of 1% to 2% of it. Most welcome offers count blackjack at 10% to 20% toward wagering or exclude it; at 10%, a 40x requirement is effectively 400x. Read the terms before you claim.

Questions

Blackjack basic strategy: questions

What does basic strategy do?

It gives the least costly action for every hand against every dealer card. It lowers the house edge to around 0.5% on good rules; it does not make the game profitable.

Is 6:5 blackjack ever worth playing?

No, if a 3:2 table is available. It adds about 1.39 points to the edge.

Can I use a strategy chart while playing online?

Yes. Nothing stops you keeping a chart open beside the game.

Is insurance a good bet?

No. It pays 2:1 but wins less than a third of the time from a full shoe.

Does card counting work at live online blackjack?

Not in practice, because of frequent shuffles.

How much do I need to play blackjack seriously?

Enough for at least 50 to 100 units at your table's minimum, money you can afford to lose. Blackjack is still a game the house wins over time.

Responsible gaming

Play only if you are 18+ and it stays fun

These rules apply on every page of this site. A young casino has less history to judge it by, so the limits matter more.

18+ only

Adults only, everywhere

You must be 18 or older, and older in some countries. A casino can ask for ID before your first withdrawal, and new casinos often do.

Responsible gaming
New brands

Start small with an unknown casino

Deposit an amount you would accept losing to a failed withdrawal, and request a small cash-out early to see how the casino handles it.

How we review new casinos
Limits

Set limits before the welcome offer

Bonus wagering keeps you playing longer. Set a deposit limit and a time limit in the account before you claim.

Set your limits
Help

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If playing stops being fun, talk to someone. Gambling Therapy offers free support in many languages.

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