While playing blackjack online is fun—not to mention convenient—there will be times when novice blackjack players will find themselves in a brick and mortar casino. Naturally they would want to play blackjack.

Now these are good students of blackjack. They know that the more decks there are in play at a table the more the blackjack odds tip towards the dealer. Naturally these students of blackjack will seek out the single deck games that have made a comeback in brick and mortar casinos.

But they are back with a twist.

The twist is the payout. In many—not all but many—of the single deck blackjack games to be found in casinos do not offer the usual 3-2 payout. Instead many single deck blackjack games offer a 6-5 payout.

Unfortunately many novice blackjack players do not quite understand what a 6-5 payout does to their odds.

Not only does a 6-5 payout meant that the player is receiving less for his blackjack in terms of the payout, a 6-5 payout also has a negative impact on a player’s blackjack odds.

Blackjack odds are based on your opportunity to make a profit from the game. When a house rule makes it harder for the dealer to win, it increases the player’s blackjack odds because that rule decreases the dealer’s chances of winning, which conversely increases the player’s.

In the case of the 6-5 payout, players lose some of their blackjack odds simply because they are receiving less money for a natural blackjack. Less money received in a payout means that the opportunity to profit is less, hence lowering the blackjack odds of the player.

When pulling up a chair to a 6-5 blackjack game a player is lowering their blackjack odds by 1.39%. Even playing with basic strategy cannot overcome this reduction in odds because of the payout, not because of house rules or player choices in plays.

Because of the reduction of odds—not to mention the lost money—it is best to avoid playing at 6-5 payout tables. If all of the single deck games are 6-5 payouts then play at the blackjack table with the least amount of decks.

While online blackjack is one of the easiest online casino games to learn to play, it offers players one of the easiest blackjack strategies: basic strategy. Thanks to basic strategy, players of online blackjack can bring the house edge down to around 0.5% from 2% to 5%. And that 0.5% is one of the best odds out there for those who play online casino games.

What does that 0.5% translate to in chances of winning a round of online blackjack? It means that blackjack players can expect to win around 54% of the rounds of online blackjack. This is an approximation. This does not mean that you will win exactly 54 rounds of blackjack out of every 100, but it does give you an idea of what sort of winning odds you have in online blackjack.

But notice that even with basic strategy, the house still has something of a house edge over the blackjack player. And that is why a player of online blackjack can only expect to win around 54% of the games they play, rather than an even 50 / 50 of games.

But considering that other online casino games carry odds of around 8% to 12% (online slots games) or 5.26% (American Roulette), that 0.5% that online blackjack with basic strategy is really not too bad at all. It certainly explains why online blackjack is one of the most popular online casino games out there.

And because the house edge can be dropped to around 0.5%, giving players that approximate 54% of wins, is a very good reason for using basic strategy when playing online blackjack.

Stiff hands are some of the most morale dropping hands in blackjack. As soon as you see one of those hard hands you already begin thinking that you have lost. Unfortunately there really is not a lot that a player can do in these blackjack situations.

When it comes to blackjack strategy and stiff hands the best course of action to take is to follow basic strategy and make the play that has the best statistical chances. Stiff hands require defensive playing, which in most cases with these hands is to stand.

However some of these instances the best play to make is to hit, as odd as that may sound. The reason for hitting is to take your chance of catching a low card. Hitting happens when the dealer has the least chances of busting so as a player you hit since you are damned if you do and you are damned if you do not. A friend of mine put it this way: “If I am facing a loss anyway it is not going to hurt me to try hitting.”

But with hitting comes the chance of busting. The chances of stiff hands busting looks like this:

Hard 16: 61%
Hard 15: 59%
Hard 14: 56%
Hard 13: 52%
Hard 12: 48%

The reason your chances of busting increase is because the greater the hand total, the less amount of cards there are that will not bust your hand.

With a hard 16 there are only four cards in blackjack that will not bust your hand. A hard 15 has five cards that will not bust it; a hard 14 has six cards; a hard 13 has seven; and a hard 12 has eight it could take.

Keep the chances in mind when you decide to hit a stiff hand. And make sure to follow basic strategy when playing blackjack—remember it gives you the best statistical play for your hand, even if you might think it is not the best move. Stick with it and you will lose less over time.

In blackjack you will sometimes hear of players who insist on insuring their blackjack against a dealer’s Ace. They perceive it as guaranteeing that they will receive a payout, that in that they are saving money and their blackjack odds.

However, they will lose money and take a hit to their blackjack odds in the long run. And it is all in the math.

Part of what helps a player’s basic blackjack odds is that they receive a 3-2 payout when they are dealt a natural blackjack, while the dealer does not receive a payout when he is dealt a natural blackjack. Blackjack odds are based on a player’s opportunities to make money. The better the opportunity the more it improves your blackjack odds.

This is why receiving a 3-2 payout is so important. It is always why players should avoid blackjack games and variations that do not offer a 3-2 payout.

When you take insurance on your blackjack against a dealer’s Ace you are giving up your chance of receiving that 3-2 payout for the guaranteed even money. Players who believe in taking that even money just to make sure they are getting money feel that if they are receiving some money so they must be doing good. After all, receiving money is good right?

Actually in this case it is wrong. Taking even money, a 1-1 payout, for a natural blackjack can have a big negative impact on your blackjack odds. How big? A 1-1 payout for a blackjack hits your odds for 2.27%.

So you have a choice. You can take the even money and the 2.27% hit to your blackjack odds, or you can decline insurance and take the chance at the 3-2 payout and keep a hold of your odds.

Of the hard hands, the stiff hands are the most difficult to play in blackjack because it feels like you are already going to lose before you have even really started the round. In such instances the best you can do is minimalize your potential losses. In terms of blackjack strategy it means making the play with the least possible chances of losing, even if the difference of losing between two plays is not great, it will impact your overall blackjack odds.

In most cases novice blackjack players will stand on a hard 12 if the dealer has a 2 through 6. This is done most likely because all of the other hard hands will stand against those dealer up cards.

But a hard 12 is a little bit different from the other stiff hands. When the dealer shows a 2 or a 3 you should hit.

Standing against a 2 or 3 with a hard 12 will cause you to lose 65% of the time and win 35% of the time. But if you were to hit against those two up cards, then you would have a 63% shot of losing and a 37% shot of winning.

Even though there is only a 2% difference, losing 63% of the time is better for your blackjack odds overall than losing 65% of the time. If you want to look at it in a more positive light then think of your blackjack odds in these terms: if you stand you will only win 35% of the time, and if you hit you will win 37% of the time.

Think of hitting a hard 12 against a 2 or 3 as a way of improving your blackjack odds on a stiff hand, even if it is only a little improvement—some is better than none.

A lot of the time novice blackjack players are nervous or hesitant about making a double down play in blackjack. It does not matter whether they are playing online blackjack or blackjack in a casino, they still get nervous about it.

The cause behind this is because the blackjack player has to put out more money, he has to double his wager. If he has wagered $10 on a hand and wants to double down, he has to increase his wager to $20. And not all novice blackjack players are comfortable with this right away.

But they need to become comfortable with this play because it can definitely benefit their blackjack odds. Doubling down in blackjack at opportune times can increase a player’s blackjack odds by 0.9%. That is quite the boost to one’s blackjack odds for one type of play.

The reason for this is because the player benefits when the house has to pay them for winning. When the house wins they do not receive a payout. Every time the house pays you, your blackjack odds go up. And if they have to pay you twice as much, it increases you odds even more.

But you only increase your blackjack odds with a double down if you are making the play at the most advantageous times. And when are those?

It all comes back to basic strategy. A basic strategy chart can tell you when the most opportune times to double down are. Usually it is when you have a 9, 10 or 11 as follows:

9 vs. dealer’s 3-6
10 vs. dealer’s 2-9
11 vs. dealer’s 2-10

If you are still learning your basic strategy, take a chart with you or have it open in a window next to the online casino’s window. Utilizing blackjack tips that go along with basic strategy can help increase your blackjack odds.

Make the most of your bankroll and increase you blackjack odds by knowing when to double down and making a double down when basic strategy tells you to.

In the majority of online blackjack games that a player would encounter will have the dealer standing on all 17 hands, regardless of whether there is an Ace in the hand or not. However there are some online blackjack games and some blackjack variations in which the dealer is allowed to hit on a soft 17.

On the surface, a dealer hitting on a soft 17 does not sound like too bad of a house rule. In theory a dealer who has to hit on a soft 17 because the house rule makes me would be more likely to bust. But that is why it is a theory.

In reality the dealer is actually less likely to bust overall. The reason for this is that Ace. The Ace that is a friend to a blackjack player can also hurt when the dealer can hit on a soft 17. The dealer can reduce an Ace from 11 to 1 just as a blackjack player can. And because of that, the dealer has the chance to rebuild his hand to a stronger one.

For example, if the dealer has an Ace/6 he would have to hit. Let’s say that he hits and gets an 8. The Ace has to be reduced to 1, and he now has a hard 15, which he hits. If he receives anything less than a 7 he is still in the game. And there are more cards less than 7 than there are greater than.

It is because of the dealer’s increased chances of rebuilding his hand to be a stronger one that the house’s rule of a dealer hitting a soft 17 increases the house’s edge by 0.2%. That is a decent sized increase to the house’s edge. Which is why you should avoid any online blackjack games that allow the dealer to hit on a soft 17.

Like any casino game—does not matter if it is online or not—blackjack is constructed so that the house starts off with the edge. While the 3-2 payout helps to boost the player’s online blackjack odds, the game has two aspects that feed into the house’s edge more naturally than rules that favor the house.

Those two aspects are playing out your hand before the dealer and busting. And they can go hand in hand really.

Let’s look at an ordinary game of online blackjack. It is just you and the dealer. You are dealt your two cards and the dealer has an up card and a hole card. Once the cards are dealt you must play out your hand before the game can continue. There is no way around it.

I know, this seems so trivial. How can playing out your hand first impact your online blackjack odds?

Well, let’s say that you hit and hit again and wind up busting. At that point your wager, your money, belong to the house. And it does not matter whether or not the dealer busts. In fact, the dealer can bust when playing out its hand after you have already busted and your money will still be collected for the house.

And that is the disadvantage of playing out your hand first. And because you are playing first and could lose your money before the dealer plays out its hand, it is considered a disadvantage. Disadvantages are what lower the player’s blackjack odds, while advantages, such as doubling down, increase the player’s odds.

In a way you could consider playing first the trade-off to receiving 3-2 on a natural blackjack. But then that really is not that fair of a trade since you play first in every game while you do not receive a 3-2 payout in every game. And that is why playing first and busting feed into the house’s odds.

Blackjack variations can present some exciting playing options both for online blackjack and for blackjack played in brick-and-mortar casinos. These variations can range from full-on changes in the game, such as Pontoon (a UK version of blackjack) and Spanish 21, to additions to the game, such as Streak and Perfect Pairs.

While blackjack variations that have full-on changes are not too bad—they are usually culturally different in slight ways, the variations with additions are problems in disguise.

Additions will usually come in the form of side bets. Side bets add an extra thrill to the game because it is not only about winning the round of blackjack, it is now also about winning the extra bet.

Unfortunately, these side bets are bad for your bankroll.

Side bets in blackjack variations are another way for online casinos and brick and mortar casinos to squeeze some more money out of players.

Streak, for example, is a side bet in which players make a separate wager on how many rounds of blackjack they will win in a row. If they do win that many rounds in a row, they will collect on the side bet. If they lose a round before reaching the number they wagered on they will lose their wager. The streak side bet carries an edge of 9.7% up to 14.3% depending on how many rounds in a row you are wagering.

Another variation found mixed in with online blackjack and casino blackjack is Perfect Pairs. In this variation of blackjack, the game itself is played the same as a regular game but offers players a side bet. The side bet is based on whether the player will be dealt a pair in their first two cards.

This side bet is independent of the game itself, meaning that it does not matter if the dealer won or not. The side bet, the point of this variation, is on whether or not those first two cards will be a pair. If they are the player collects on the side wager, otherwise the casino merely collects it.

Because additive variations are meant to take more money from players it is best to avoid variations of blackjack when you encounter them online or in a casino.

Just like how you have playing odds as a blackjack player, the dealer also has such odds. The ones that we are going to look at today have to do with when the dealer will bust.

While we would all love to know exactly when the dealer will bust, no one can predict exactly when. The best we can do is to know when his chances of busting are higher and lower. It helps to understand how the dealer’s chances of busting impact the play made by the player. But before I discuss that, here are the percentages of when the dealer will bust:

2: 35%
3: 37%
4: 40%
5: 42%
6: 42%
7: 26%
8: 24%
9: 23%
10: 23%
Ace: 17%

Notice how the low to mid cards cause the dealer to have a higher chance of busting. This is because the chances of his hole card giving him a stiff hand that he has to hit will most likely bust him.

Now when we look at a basic strategy chart we see that when a blackjack player has a stiff hand and a dealer’s up card of 2 through 6 you can see that the recommended play is to stand. This is because the dealer has a higher chance of busting with those cards showing. So the player is gambling on standing and letting the dealer bust.

You can also see that with a stiff hand faced with a dealer’s up card of 7 through an Ace, the recommended play is to hit. This is because the dealer has less of a chance of busting and you have a greater chance of losing. This makes it acceptable to hit and try to improve your hand. Even if you do not you can at least say that you tried.

Keep those percents in mind when you are playing blackjack so that you can use that knowledge in your blackjack strategy. It gives you an advantage in that you can use it to affect your plays. It does not matter if you are playing blackjack online or in a regular casino, the dealer’s chances are the same so you can put this knowledge work in both instances.