Always double down on a hard 11
Split a pair of 8s & Aces
Never split a pair of 5s and 10s
Always hit a hard 12 vs. dealer's 2 or 3 upcard
Hit soft 18 vs. dealer's 9, 10 or Ace upcard
Double down on 10 vs. dealer's 9 upcard or less
Tips on if the dealer must hit on soft 17
Double down A-2 through A7 vs. 5 or 6 upcard
Stand with a pair of 9s vs. a a 7 upcard
Surrender strategy tips
Double down on 8 vs. 5 or 6 upcard
Strategies for low pairs
Never make the insurance bet
Should you stand on a hard 16?
Don't play a 6 to 5 blackjack game
If you’re serious about winning more when you play blackjack, then I encourage you to utilize the following Best Blackjack Strategies I’m about to share with you.
Note: The following strategies can be used in all games unless stated otherwise. The strategies discussed below also assume you are a recreational player, and not a card counter.
Abbreviations used in this article are:
S17 = Dealer must stand on soft 17
H17 = Dealer must hit soft 17
DAS = Doubling down after pair splitting is allowed
NDAS = Doubling down after pair splitting is not allowed
STRATEGY #1: ALWAYS DOUBLE DOWN ON A HARD 11
You’ll always win more money if you double down on hard 11 against any dealer’s upcard vs. hitting in all games, with one exception. If you are playing a multi-deck game where the rules specify the dealer must stand on soft 17, you are slightly better off hitting against a dealer Ace rather than doubling down.
STRATEGY #2: ALWAYS SPLIT A PAIR OF 8s AND ACES
You should always split a pair of 8s and Aces regardless of what the dealer’s upcard is. Unfortunately, many players won’t split with a pair of 8s when the dealer’s upcard is a 9, 10, or Ace. They reason that because they are a big underdog in this situation, why bet more money by splitting? What they don’t understand is that you are less of an underdog by playing two hands, each starting with an 8 (by splitting), than you are playing one hand of 16 (and hitting). In other words, you will lose less money in the long run by splitting 8s against a 9, 10, or Ace than by hitting hard 16. Bottom line: Always splitting 8s and Aces is your best strategy because in the case of Aces, it results in significant gains for the player; and for 8s, it will, based on the dealer’s upcard, allow you to cut your losses or win more money.
(Note: If surrender is offered and you are playing in a multi-deck game with H17, or a double-deck game with H17 and NDAS, your best strategy is to surrender the pair of 8s vs. the dealer’s Ace rather than splitting them.)
STRATEGY #3: NEVER SPLIT A PAIR OF 5s OR TENS
A pair of 5s is also a hard 10 and you are always better off taking a one-or-more-card draw to a 10 than splitting the 5s and playing two hands, each starting with a 5. Even though splitting 10s is much more often than not a winning play, keeping them together as 20 is an even greater winning play in all circumstances.
STRATEGY #4: ALWAYS HIT A HARD 12 AGAINST A DEALER’S 2 OR 3 UPCARD
This is a situation where most players chicken out and stand on their 12 because they fear busting. The bottom line is this: against a dealer’s 2 or 3 upcard, you will lose money in the long run whether you stand or hit; however, you will lose less money by hitting (even at the risk of busting some of the time), which is why it is the best strategy.
STRATEGY #5: ALWAYS HIT ACE-7 (SOFT 18) WHEN THE DEALER’S UPCARD IS 9, 10, OR ACE
Players mistakenly believe that a hand that totals 18 is a sure win, which is why they stand on soft 18 (A-7), especially when the dealer is showing a “strong” upcard (e.g., 9, 10, or Ace). The facts are these. When you hold an A-7 against dealer’s 9, 10, or Ace, you are the underdog whether you stand or hit; however, you are less of an underdog if you hit A-7. This is because if you draw a small card (e.g., Ace, 2, or 3) you will end up with a pat hand that’s higher than 18, which will improve your chances of winning at blackjack. And if you draw any of the four ten-valued cards, you do no harm to the hand. Bottom line: Your best strategy is to always hit A-7 when the dealer shows a 9, 10, or Ace with a goal of getting to either a soft 19–21 or a hard 17 through 21.
(Note: There is one exception to the above strategy. In the case of a single-deck game with S17, you are slightly better off standing on A-7 when the dealer’s upcard is an Ace.)
STRATEGY #6: ALWAYS DOUBLE DOWN ON 10 WHEN THE DEALER’S UPCARD IS 9 OR LESS
You are the favorite when you hold a two-card 10 against any dealer’s upcard of 9 or less, which is why doubling down is your best strategy. It’s a simple rule to remember: always double down on 10 when the dealer’s upcard is 9 or less.
STRATEGY #7: IF THE RULES SPECIFY THAT DEALER MUST HIT SOFT 17, YOU SHOULD ALWAYS DO THE FOLLOWING:
Always double down on hard 11 against dealer’s ace, soft 19 (A-8) against dealer’s 6, and A-7 against dealer’s 2
If you are playing an H17 game, the above are the three doubling strategy changes you should make vs. the same game with S17.
(Note: There are surrender strategy changes as well. You’ll find them in Chapter 3 of my Ultimate Blackjack Strategy Guide.)
STRATEGY #8: ALWAYS DOUBLE DOWN A-2 THROUGH A-7 WHEN THE DEALER’S UPCARD IS A 5 OR 6
In all games, you stand to win more if you always double down an A-2 through A-7 (i.e., soft 13 through 18) when the dealer’s upcard is a 5 or 6, making it the best strategy.
(Note: The range of dealer’s upcards where you should double down with soft 13 through 18 varies depending upon the number of decks being used and the playing rules. For example, in a double-deck game with H17, if you were dealt an A-3, you should not only double down when the dealer’s upcard is 5 or 6 but also against a 4. But in all cases when the dealer’s upcard is a 5 or 6, always double down with A-2 through A-7.)
STRATEGY #9: ALWAYS STAND WITH A PAIR OF 9s WHEN THE DEALER’S UPCARD IS A 7
Most players know to split a pair of 9s when the dealer’s upcard is 9 or less. Where they fumble the ball is when the dealer shows a 7. In this case, your best strategy is to stand because you’ll win slightly more money than splitting. One way to remember this best strategy is as follows. There is a good chance that the dealer will have a ten in the hole since there are four times as many ten-value cards in a deck than other ranks. Therefore, when the dealer’s upcard is a 7, she often has a pat 17. Your pair of 9s, which is an 18, would beat her potential 17, which makes standing the better play vs. hitting.
STRATEGY #10: ALWAYS SURRENDER HARD 16 AGAINST A DEALER’S 9, 10, OR ACE UPCARD, AND HARD 15 AGAINST DEALER’S 10 UPCARD
A hard 15 and 16 are two of the worst hands in blackjack, especially when the dealer is showing a strong upcard (e.g., 9, 10, or Ace). You are the underdog but you can minimize your losses by surrendering the above hands against the indicated dealer’s upcards. Surrender is your best strategy simply because it saves you money in the long run.
(Note: Depending on the number of decks of cards being used and the blackjack rules, there are other hands where surrender is the best strategy.)
STRATEGY #11: IN A SINGLE-DECK GAME, ALWAYS DOUBLE DOWN ON 8 AGAINST DEALER’S 5 OR 6 UPCARD
In double- and multi-deck games, you never double down with a two-card 8; however, in a single-deck game, the odds of blackjack shift to make doubling down the superior strategy over hitting.
(Note: The above best strategy includes a pair of 4s, with one exception. If the rules are DAS, you should split a pair of 4s instead of doubling down.)
STRATEGY #12: WHEN YOU ARE DEALT A PAIR OF 2s OR 3s AGAINST A DEALER’S 2 OR 3 UPCARD, SPLIT IF THE RULES ALLOW DAS, AND HIT IF THEY DON’T
The reason splitting is the better strategy with DAS is because if you split, say, a pair of 2s and draw a 9 giving you an 11, or an 8, giving you a 10, you would be able to bet more money (by doubling down) in a very favorable situation.
(Note: There is one exception to the above rule: If you are playing a single-deck game, you should always split a pair 2s when the dealer shows a 3 upcard, even if the game is NDAS.)
STRATEGY #13: NEVER MAKE THE INSURANCE BET
The insurance bet is a sucker bet, which is why your best strategy is to not take insurance when the dealer’s upcard is an Ace. Yes, even when you are dealt a good hand (like a 19 or 20), don’t make the insurance bet. The reason is because the payoff for the insurance bet (2 to 1) is less than the odds that the dealer will have a blackjack, making it a sucker bet.
(Note: In most casinos, the dealer will offer you “even money” if you have a blackjack hand and she has an Ace upcard, which is the same as making an insurance bet. When you have a blackjack, it’s tempting to get paid even money before she peeks at her down card; however, don’t do it because in the long run you will win more money by declining the even money payoff.)
STRATEGY #14: STAND ON HARD 16 AGAINST A DEALER’S 10 UPCARD IF YOUR 16 IS MULTI-CARD
The traditional blackjack basic strategy takes into account only the total of the player’s hand and the dealer’s upcard. With a hard 16 against a dealer’s 10 upcard, the strategy states to hit (assuming surrender is not offered). Although this strategy is correct, you can improve your playing accuracy by taking into account whether your 16 is a multi-card 16. In the latter case (e.g., 7-5-4), your best strategy is to stand against a dealer’s 10 upcard.
STRATEGY #15: NEVER PLAY A 6 TO 5 BLACKJACK GAME
Historically, a blackjack hand has always been paid at 3 to 2 odds. For example, if you bet $10 and you have an (untied) blackjack, you will be paid $15 in winnings. Nowadays, many casinos pay a winning player’s blackjack at only 6 to 5 odds. (A $10 wager would win you only $12 in a 6 to 5 game.) The house edge increases by about 1.45% in a single-deck game with 6 to 5; moreover, if 6 to 5 is offered in a double- or multi-deck game, the house edge escalates to greater than 2%. Your best strategy is to play only blackjack games that offer a 3 to 2 blackjack payoff.