1. Is Playing Blackjack Online Worth It
2. How Blackjack Is Played
3. Playing Blackjack Online For Money
4. Playing Blackjack online, free
5. Is Video Blackjack Worth It
6. Is Online Blackjack Worth It

Blackjack is one of the most popular casino games mainly due to it being relatively easy to understand and play along with the fact that is has a very low house edge when played with optimum blackjack strategy.

Blackjack Card Values in Play The goal of Blackjack is to beat the dealer, but so many people misunderstand this as trying to get as close to the sum of 21 as possible. It’s easy to make this mistake, because in order to beat the dealer, one must have a hand that surpasses the sum of the dealer’s hand without surpassing 21. If the player is dealt an Ace and a ten-value card (called a 'blackjack' or ' natural '), and the dealer does not, the player wins and usually receives a bonus. If the player exceeds a sum of 21 ('busts'), the player loses, even if the dealer also exceeds 21.

As well as being able to bet on your hand against the dealers, many blackjack tables give you the option of betting on a range of side bets. There are a number of different side bets available depending on the casino you’re playing at and the individual table. Some of these side bets can return huge profits when hit for a relatively low stake on them which makes them attractive to many players. Especially when they see other players at the table winning on their side bets.

However, are side bets worth it? Do they have value? What are the odds of a side bet on blackjack?

We’ll be answering all these questions in this article to ensure you get the most value from your bets.

What Are Blackjack Side Bets?

As mentioned, there are a number of different side bets available and the ones you’ll be able to bet on will depend on the casino and table you’re playing at and if they offer them. However, there are some more common blackjack side bets which are the ones we will be focusing on in this article. Those side bets are:

1. Perfect Pairs
2. 21+3
3. Insurance

We’ll be taking a look at these two side bets individually and showing you how they work along with a bit of math to determine whether or not they have value.

Perfect Pairs

First up we have Perfect Pairs which is perhaps the most popular blackjack side bet.

When betting on Perfect Pairs, you are betting on the two cards which you are initially dealt being the same. They don’t have to be of the same suit but the payouts are greater if they are.

For example, if you bet on Perfect Pairs and you were dealt two sixes, your side bet would win. If you were dealt two Jacks, your side bet would win, and so on.

It’s a simple side bet to understand which is why it is so popular.

What Are The Payouts For Perfect Pairs?

The payouts for perfect pairs vary depending on the number of decks of cards in the shoe along with the table you’re playing at. Some casinos offer different payouts on Perfect Pairs but in our example, we’ll be using the payouts which the majority of online casinos in the UK use. Typically, online casinos such as William Hill, 888Casino, Paddy Power and others use 8 decks in their shoes.

So, if you were to place a £1 Perfect Pair side bet and you were dealt 2 x 6 of hearts, your returns would be £26. This doesn’t include any potential winnings from your hand against the dealers. Regardless of whether your hand wins, you will still be paid for your winning side bet.

What Are The Odds For Perfect Pairs?

In order to decide whether or not the Perfect Pairs side bet has value, we must determine the probability of winning the side bet and compare it to the payouts. This will give us the house edge.

Perfect Pair Probability

A perfect pair, which is a pair of the same cards and the same suit, pays out at 25/1.

In a show which has 8 decks, there are a total of 416 cards. One of these cards will have already been dealt to you and so by using the number of remaining cards we can determine the probability of the same card being dealt next.

So, one card has been dealt which leaves 415 cards. Only 7 of these cards are the same as the one which you have been dealt and so the odds of you receiving a second card which is the same as your first card are 7/415 which is around a 1.69% chance.

Perfect Pair Probability = 1.69%

Coloured Pair Probability

If you receive a pair of the same cards which are of the same colour but have different suits, the payout on your perfect pair side bet is 12/1.

Again, as you have been dealt one card, there are 415 remaining cards and this time there are 8 cards remaining in the deck which could give you a coloured pair.

Therefore, there is an 8/415 chance that you will be dealt a coloured pair which is around a 1.93% chance.

Coloured Pair Probability = 1.93%

Mixed Pair Probability

The final Perfect Pair side bet which you can win is a mixed pair (one red & one black) which pays out at 6/1.

When you are dealt your first card, there are 415 cards left in the shoe and there are 16 cards remaining which will result in a coloured pair.

This means that there is a 16/416 chance that you will be dealt a coloured pair which is around a 3.86% chance.

Mixed Pair Probability = 3.86%

Perfect Pair Expected Value

Now that we’ve determined the probability of each of the perfect pair possibilities occurring, we can use the payouts offered to determine the Expected Value of each.

To do this, we simply multiply the probability by the payout odds.

Perfect Pair Expected Value = 25 x 1.69% = 0.4225

Coloured Pair Expected Value = 12 x 1.93% = 0.2316

Is Playing Blackjack Online Worth It

Mixed Pair Expected Value = 6 x 3.86% = 0.2316

Perfect Pair RTP (Return To Player)

To determine the RTP of a Perfect Pair side bet, we simply need to add the three possibilities listed above together.

Perfect Pair RTP = 0.4225 + 0.2316 + 0.2316 = 0.8857 = 89%

Perfect Pair House Edge

The house edge of a Perfect Pair side bet can be determined by subtracting the RTP from 100%.

Perfect Pair House Edge = 100% – 89% = 11%

Advantages of Perfect Pairs

A house edge of around 11% is extremely high. So, why do players bet on perfect pairs if they know that the odds are stacked heavily in favour of the casino?

The main appeal to betting on perfect pairs is the potential for very high returns. Hitting a perfect pair at 25/1 early on in a session can give your bankroll a big boost.

However, it’s important to look at the bigger picture when playing any casino game and you always want to do whatever you can to keep the house edge to a minimum if the aim is to make money.

Therefore, we would advise against placing Perfect Pair side bets.

Disadvantages of Perfect Pairs

The disadvantage of Perfect Pair side bets is that they have a high house edge. If the house edge is greater than that of playing a standard hand of blackjack, then your money is better spent on the hand rather than the side bet.

21+3

21+3 is another popular side bet when playing blackjack and unlike Perfect Pairs from which you can win in 3 ways, 21+3 has 5 different ways to win.

Another difference between 21+3 and Perfect Pairs is that instead of just using the two cards which you are dealt, with 21+3, you are using your two cards as well as the dealers up-turned card.

When placing a 21+3 side bet, you are betting on any of the following occurring.

1. Suited Three of a Kind: Your two cards and the dealer’s up-turned card are identical, including value, suit and colour.
2. Straight Flush: Your two cards and the dealer’s up-turned card are suited and make a numerical sequence eg 6 diamonds, 7 diamonds, 8 diamonds.
3. Three of a Kind: Three cards the same but not matching suits
4. Straight: Three cards which make a numerical sequence but not matching suits
5. Flush: Three cards of the same suit

What Are The Payouts For 21+3 Side Bets?

Just like with the Perfect Pairs side bet, payouts can vary depending on the online casino you’re playing at, the variation of the blackjack game and the number of decks being used.

The following payouts are most common for UK players playing on live dealer tables powered by providers such as Evolution Gaming.

For example, if you placed a £1 21+3 side bet and you were dealt 2 x 9 of hearts and the dealer was also dealt a 9 of hearts, you would receive £101 back along with any winnings from your hand.

21+3 Side Bets House Edge

The original 21+3 side bet paid out at 9/1 for a winning hand which resulted in a house edge of 3.24%. However, newer pay tables mean that there is greater volatility in house edges which depend on the card which you are dealt and the cards which remain in the shoe at the time of the hand being dealt.

There are different variations of 21+3 which have a house edge ranging from 2.78% all the way up to 13.39% but the theoretical RTP of a 21+3 side bet is 95.38% which gives a house edge of 4.62%.

Blackjack Insurance

The final blackjack side bet we will be covering in this article is Blackjack Insurance. Players are only offered this bet when the dealer is dealt an Ace.

Players are offered insurance after their cards have been dealt and only if the dealers up-card is an Ace.

Players can choose to take insurance for a cost of half of their original bet. Should the dealer have Blackjack, the players insurance bet will pay out at 2/1.

For example, if you placed a £10 bet on your hand too insurance after the dealer showed an Ace, the cost for the insurance bet would be £5. Should the dealer have Blackjack, you would receive back £15 from your insurance bet as well as anything you win from your hand.

Many players see insurance as a good bet as they can receive their overall stake back from the hand should the dealer have blackjack. However, in the majority of cases, it is mathematically a bad bet.

Blackjack Insurance House Edge

To make the calculations a bit easier, in this example, we will be using one 52 card deck.

If you were dealt two cards, let’s say a 6 and a 7, and the dealer was dealt an Ace, there are 49 cards remaining in the deck. 16 of these remaining cards have a value of 10 which would give the dealer Blackjack.

To determine the odds of the dealer having blackjack, we simply need to divide the number of cards in the deck which wouldn’t result in Blackjack by the number of cards which would.

Blackjack Insurance Odds = 33 / 16 = 2.0625 to 1

However, when you place an insurance bet, you only get offered odds of 2/1.

This works out as a house edge of around 2% – 3% which may not seem too bad. However, the house edge of Blackjack Insurance can fluctuate and be a lot higher.

Should your hand contain a 10-value card, then there is a reduced chance that the dealer has blackjack as there are fewer cards to do so. This increases the house edge significantly and if you are holding two 10-value cards, it can be as high as 14%.

Is Insurance A Bad Bet In Blackjack?

Based on the house edge we’ve determined above, this would make taking insurance a bad bet. However, there may be exceptions.

How Blackjack Is Played

If you know that a lot of 10-value cards remain in the shoe, then taking insurance could be a wise bet. You will only be able to determine this if you are card counting but it can reduce the house edge significantly and in some circumstances, actually give you the edge!

Playing blackjack online is a great way to enjoy this popular game and offers several advantages over playing in a live casino.

You can play whenever you want, without leaving the house; and if you’re new to the game, you don’t have to worry about making any mistakes or annoying other players. The game is also played at a much faster pace, meaning you can get through a lot more hands.

There are some other notable advantages, too, explained in some detail on this page. We also provide a few tips for getting the most out of playing online and recommend the best online casinos for blackjack.

Blackjack Bonuses & Rewards

One of the biggest benefits of playing any game at an online casino is the bonuses and rewards on offer. Most online casinos offer all new customers a signup bonus when they first deposit, and these can be worth a lot of money. Playing blackjack can be a major advantage when it comes to getting the best value from them.

Bonuses tend to come with certain terms and conditions attached, and these usually include some wagering requirements. This mean that you have to wager a specified amount of money before your bonus is released as cash and can be withdrawn. Because blackjack has such a low house edge, it could be that you have a very good chance of meeting such requirements. You are less likely to lose all your money before releasing the bonus than you would be if playing a game with a high house edge.

These rewards are usually based on how much you play, so the more you wager, the more you earn. Again, the low house edge of blackjack can work in your favor. You have a decent chance of winning, and even if you lose, it should be at a relatively slow rate compared to some other games. You can earn some valuable rewards without necessarily losing much money.

It’s worth pointing out that some online casinos add game weightings to the bonuses and rewards they offer. This mean that wagering on certain games counts less towards clearing the wagering requirements and earning rewards. It’s worth keeping an eye out for these weightings, as they can mean that the additional value of playing blackjack is not so good.

There are lots of different variants of blackjack, and when playing in a live casino, you may only find one or two of these available. This limits your choice of games somewhat and highlights a major advantage of playing online. Many online casinos offer a wide variety of blackjack variants, which greatly increases your choice. This is a good thing as it can be fun to play different variants from time to time.

Playing Blackjack Online For Money

It’s also a lot easier to find favorable rules when playing blackjack online. Several rules vary from one casino to another, and these can affect the overall house edge of the game. If you’re playing in a live casino, you’re stuck with whatever rules that casino is offering. If you’re playing online, you can compare what’s available at different casinos and simply choose the best option.

Live Dealer Blackjack

Live dealer blackjack is a great way to benefit from the convenience of playing online and the other advantages online casinos offer, but you still get the feeling of playing in a live casino. With these games, you’re playing against a real-life dealer, using real cards on a real table. The action is displayed on your computer via a video feed, and the dealer will act according to your decisions.

Tips for Playing Blackjack Online

There are a few pieces of advice that will help you get the best possible experience playing blackjack online. First up is to make sure you set a budget. The convenience of online casinos is very much a positive, but they do also make it a little easier to get carried away and play too often or for too much. Playing blackjack, or doing any form of gambling for that matter, is no fun at all if you’re using money you can’t afford to lose. Please make sure you gamble responsibly.

Secondly, you should always read the terms and conditions before making a deposit to claim a bonus. We mentioned earlier how valuable bonuses can be, but it’s very important that you fully understand wagering requirements and any other rules. It is not unheard of for online casinos to offer bonuses that can be used at blackjack, and you obviously need to know if that’s the case.

Playing Blackjack online, free

Virtually every casino on the web offers blackjack games, but they are not all of a comparable standard. You want to play where there are high-quality games and the site enjoys a good reputation.

Is Video Blackjack Worth It

We have tested and evaluated a great many online casinos, looking at a range of different factors. This enables us to determine which are the very best so we can then make recommendations to our readers by ranking the leading casinos in a number of categories. This helps you to find places to play that are not just reputable and of a high quality, but that are also ideal for your needs.

Is Online Blackjack Worth It

The following casinos are, in our opinion, the best options if blackjack is your game of choice.