How to Play Blackjack

Object of the Game

Each participant attempts to beat the dealer by getting a count as close to 21 as possible, without going over 21.

Card Values/scoring

It is up to each individual player if an ace is worth 1 or 11. Face cards are 10 and any other card is its face value.

Betting

Before the deal begins, each player places a bet, in chips, in front of them in the designated area.

The Deal

When all the players have placed their bets, the dealer gives one card face up to each player in rotation clockwise, and then one card face up to themselves. Another round of cards is then dealt face up to each player, but the dealer takes the second card face down. Thus, each player except the dealer receives two cards face up, and the dealer receives one card face up and one card face down.

Naturals

If a player's first two cards are an ace and a "ten-card" (a picture card or 10), giving a count of 21 in two cards, this is a natural or "blackjack." If any player has a natural and the dealer does not, the dealer immediately pays that player 2 times the amount of their bet. If the dealer has a natural, they immediately collect the bets of all players who do not have naturals, (but no additional amount). If the dealer and another player both have naturals, the bet of that player is a “push” (a tie).

If the dealer's face-up card is a ten-card or an ace, they look at their face-down card to see if the two cards make a natural. If the face-up card is not a ten-card or an ace, they do not look at the face-down card until it is the dealer's turn to play.

The Play

The player to the left goes first and must decide whether to "stand" (not ask for another card) or "hit" (ask for another card in an attempt to get closer to a count of 21, or even hit 21 exactly). Thus, a player may stand on the two cards originally dealt to them, or they may ask the dealer for additional cards, one at a time, until deciding to stand on the total (if it is 21 or under), or goes "bust" (if it is over 21).

The combination of an ace with a card, other than a ten-card, is known as a "soft hand," because the player can count the ace as a 1 or 11, and either draw cards or not. For example with a "soft 17" (an ace and a 6), the total is 7 or 17. While a count of 17 is a good hand, the player may wish to draw for a higher total. If the draw creates a bust hand by counting the ace as an 11, the player simply counts the ace as a 1 and continues playing by standing or "hitting" (asking the dealer for additional cards, one at a time).

The Dealer's Play

When the dealer has served every player, the dealers face-down card is turned up. If the total is 17 or more, it must stand. If the total is 16 or under, they must take a card. The dealer must continue to take cards until the total is 17 or more, at which point the dealer must stand. If the dealer has an ace, and counting it as 11 would bring the total to 17 or more (but not over 21), the dealer must count the ace as 11 and stand.

Splitting Pairs

If a player's first two cards are of the same denomination, such as two jacks or two sixes, they may choose to treat them as two separate hands when their turn comes around. The amount of the original bet then goes on one of the cards, and an equal amount must be placed as a bet on the other card. The player first plays the hand to their left by standing or hitting one or more times; only then is the hand to the right played. The two hands are thus treated separately, and the dealer settles with each on its own merits. With a pair of aces, the player is given one card for each ace and may not draw again. Also, if a ten-card is dealt to one of these aces, the payoff is equal. The reason for this is that it is no longer a true “blackjack” since the cards were split.

Doubling Down

Another option open to the player is doubling their bet when the original two cards dealt total 9, 10, or 11. When the player's turn comes, they place a bet equal to the original bet, and the dealer gives the player just one card.

*Note that the dealer does not have the option of splitting or doubling down.

Insurance

When the dealer's face-up card is an ace, any of the players may make a side bet of up to half the original bet that the dealer's face-down card is a ten-card, and thus a blackjack for the house. Once all such side bets are placed, the dealer looks at the hole card. If it is a ten-card, it is turned up, and those players who have made the insurance bet win and are paid double the amount of their  insurance bet. When a blackjack occurs for the dealer, of course, the hand is over, and the players' main bets are collected - unless a player also has blackjack, in which case it is a push.

Settlement

A bet once paid and collected is never returned. Thus, one key advantage to the dealer is that the player goes first. If the player goes bust, they have already lost their wager, even if the dealer goes bust as well. If the dealer goes over 21, the dealer pays each player who has stood the amount of that player's bet. If the dealer stands at 21 or less, the dealer pays the bet of any player having a higher total (not exceeding 21) and collects the bet of any player having a lower total.