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And where to play blackjack legally in the US

Blackjack has a rich history that can be dated back to the 17th century when it was a variation of other popular European card games. When it crossed the Atlantic in the 19th century, it was known as 21 but eventually got its current name of blackjack as some casinos offered a special payout for a hand containing the Ace of Spades, hence the name, Blackjack.

No matter if you grew up playing for pennies at your grandmother’s kitchen table or just getting your feet wet in the game, blackjack is one of the most recognizable games that you will find online or in a casino. Let this page be your guide to all things blackjack, including basic rules, strategy, and where you can play blackjack online.

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Where Can I Play Blackjack Online?

If you want to play online blackjack for real money, you must be physically present in Connecticut, New Jersey, Michigan, West Virginia or Pennsylvania, as of mid-2023. Rhode Island has passed an online casino bill, and you should be able to start playing by 2024. Many other states, including Texas, Missouri, and Illinois, have had bills sent to their legislators, but they have yet to pass. You don’t have to be a resident of one of these states; you only need to be inside their borders. If you visit or pass through one of these states, you can set up an account and play online blackjack for real money.

StateOnline BlackjackMarket Launch
New JerseyNov. 2013
PennsylvaniaJuly 2019
West VirginiaJuly 2020
MichiganJan. 2021

Can I play Blackjack Online if I am not in a Legal State?

The rise of social casino games has been phenomenal. These are often complete online casinos offering slots, video poker, blackjack, craps, and other casino games that you can play for free. These casinos are legal everywhere except in Idaho, Utah, and Hawaii. The vast number and different types of free online blackjack games is staggering. These sites often allow playing online blackjack for free so that you can practice and learn how to play the game. You can also find many different side bets and rule variations that aren’t found in land-based casinos anymore, like Five Card Charlie or Lucky Ladies.

These sites use a token or coins instead of real money. They will often offer you an opportunity to buy more coins once you run out. But most will have a certain number of free coins you receive daily to enable you to continue playing free blackjack games or slots. Well-respected casino companies like BetMGM and Caesar’s, as well as many others, offer a social casino site that allows you the opportunity to win casino free play, dinner offers, or even free casino rooms by simply playing their free blackjack games. They offer these free online blackjack and other casino games to build brand awareness and launch their email campaigns to folks they know are interested in and like to gamble.

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What is Blackjack?

There’s a reason that blackjack is the most popular of all casino games in the world, and it’s excitement. Whether you’re playing blackjack in a live casino with thousands of people milling around or playing blackjack online with just a few friends, you can count on this classic casino card game with all of its new variations to offer thrills and adrenaline-pumping action just as easily on your casino app as in a packed table on the Vegas strip.

Blackjack is simple to understand, but there are some basic rules that it is best to learn whether you are playing for free online or for thousands of dollars in a live dealer private salon. While not as simple as picking red or black on Roulette or player or bank on Baccarat, it is the need to make some decisions that make this casino game so much fun to play.

BlackJack Objective

The game is played against the dealer, not the other players. All players are dealt two cards, as is the dealer. The dealer’s hand will have one card face up, and the other card is not exposed. Your goal is to have a hand closer to a total of twenty-one than the dealer’s without going over.

Trop Blackjack

Game Play

Most blackjack variants are played with from one to eight decks of a standard 52-card pack. In general, the fewer the number of decks, the better for the player.

The dealer will follow specific rules when it’s time to play their blackjack hand. Notably, they will hit if their cards total less than 17 and stand if they have a total of 17 or more. If they have an Ace up, they will check for blackjack, which is a two-card total of twenty-one.

In American blackjack and most blackjack games online, the dealer will also check for blackjack when they have a ten-value card up. If the dealer has a blackjack, you lose unless you also have one. All play ends before the players are allowed to act on their hands.

If you’re dealt a blackjack, and the dealer doesn’t have one, you are paid 3 to 2. This means that if you bet $10, you will get $15 with a blackjack. Some games now pay 6 to 5 on blackjack, meaning you would only get $12, increasing the house edge. These should be avoided when possible. With a blackjack, you have no more decisions to make, as this is an instant win.

If neither you nor the dealer have a blackjack, the dealer will move left to right, asking the players whether they would like to hit to try and improve their hand or stay. Should you ask for a hit and go over 21, you lose. Each Blackjack variation and rule set has a slightly different strategy called basic strategy. You can find the charts to use these rules. These guides will help keep the house advantage low and allow you to play longer and enjoy the game more.

But in general, you should never take a card to bust if the dealer shows a two through six. If they have a higher card exposed, you should attempt to reach at least 17. Once all the players have acted on their hands, the dealer will turn over their hole card and hit or stand according to the house rules.

If you are closer to 21, then the dealer you win. If the dealer busts and you don’t, you win. If you and the dealer have a tie, you push, and your money remains for the next bet. Should you have a total of less than the dealer you lose.

Values of Cards in a Blackjack Game

The value of most of the cards in the deck is forward. Two through nine are worth their respective value. But all face cards, as well as tens, count as ten. And the Ace can be worth either one or eleven.

This seems confusing at first, but in practice, it is easy enough. If you’re dealt an ace and a six, it could be either a total of 7 or 17. If you’re dealt an ace and already have a ten and a six, it would cause you to bust if it was considered a combined value of twenty-seven, so it will just be 17.

A blackjack is a two-card total of twenty-one, meaning an ace and a face in the first two cards.

blackjack cheat sheet

Blackjack Cheat Sheet Downloadable PDF

Splitting

You can split two of the same value cards into two separate hands. You will have to put out an amount equal to your original wager. Once split, the dealer will hit the card you have split, and then you can hit or stand as regular. This can be advantageous if you have two eights against a six or any time you have a pair of aces. While you can split any two value ten cards, it is not advised and is generally considered a rookie move.

Doubling

Doubling down means that you agree to take just one more card, and in return, you are allowed to wager up to double your original bet. You will want to double you’re first two cards total when they total ten or eleven, and sometimes nine, depending on the dealer’s upcard or any number of soft totals against a dealer’s bust card.

Correct Doubling and Splitting Strategies

It is best to consult your blackjack strategy card for the exact game you are playing when splitting and doubling. If you are playing online blackjack, it’s as simple as keeping another browser screen open. Also, playing free blackjack games offered online while using your strategy card is a great way to practice blackjack without risking your own cash.

The ability to place more money on the layout is a massive part of what keeps the house’s advantage very low. So playing these hands properly is vital, but whether you should double a ten vs. a ten, for example, will depend on the game’s rules and how many decks are being used. Blackjack players should always learn the appropriate rules relative to the game they are playing.

Insurance

When the dealer has an Ace as their face-up card, they will offer a side bet known as insurance. Insurance is just betting that the dealer has a blackjack; if so, it pays two for one. Some players see this as a way of “insuring ” a good hand. For instance, if you have twenty, and the dealer turns up an ace, you might consider putting up half your bet to take the insurance.

If the dealer turns over a blackjack, your twenty will lose, but you will be paid two to one on your insurance bet, thus breaking even. If they don’t, you lose your insurance bet but will probably win with your twenty. Insurance has a high house edge and should usually be avoided unless you can count cards — we’re joking here.

Even money is just a shortcut for insurance if you have a blackjack and the dealer turns up an ace. It only works and is only offered in games where blackjack plays 3 to 2. Some online casino blackjack games lack a separate button for even money. Just remember it is the same exact thing as taking insurance, so use that button instead.

Surrender

Surrender is increasingly hard to find in land-based casinos but can often be found in online blackjack games. Surrender is the ability to give up half your bet if you don’t like your first two cards vs. the dealer’s upcard. For instance, if allowed, most strategy cards will have you surrender a 14, 15, or 16 against a dealer’s ten card.

A potent form of surrender called early surrender can only be found online in a game called Atlantic City Blackjack. In this variant, you can surrender even before the dealer checks for blackjack, which means this game has one of the lowest house advantages in the Blackjack universe.

Blackjack Variants and Side Bets

As you can imagine, many different blackjack variants are offered online. One of the oddest is Speed Blackjack, where the quickest one to act on the table is dealt the next card no matter what position they sit at on the table. But no matter how odd these games are, they are all loosely based on the rules set out above. Still, it is wise to play any game for free before starting to play for real money so that you understand each rule difference.

Just as there are many blackjack variants, there are many different side bets. Some of the most popular, like 21+3 and Perfect Pairs, involve poker hands made with the player’s first two cards and the dealer’s upcard or just being dealt a pair in your first two cards. The thing to remember is that most side bets have terrible odds for the player.

More Blackjack Resources

Free Blackjack

Free Online Blackjack Guide

Card Counting

How to Count Cards

Blackjack Apps

Best Blackjack Mobile Apps

Rules of Blackjack

Learn the rules of Blackjack

Is Online Blackjack Safe to Play?

The easiest way to learn to play blackjack is from the best online casinos. It’s no longer the Wild West, and many states now offer completely regulated and legal ways to play online blackjack. We highly suggest that you only play with regulated and legal online casinos in the US.

Many sites purport to offer legal and safe blackjack from overseas, but US regulators don’t inspect these companies’ software. Plus, if there is a problem with a deposit or withdrawal, you’ll sleep better knowing you are dealing with a licensed and reputable US company. If your state has yet to legalize online casinos, you can still play free online blackjack at one of the many social casinos on Google Play.

Why Play Blackjack Online?

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  • Play at your own pace and without distraction while you learn the rules and different types of blackjack.
  • Free Blackjack games mean free blackjack practice before you attempt to win real money.
  • Many different blackjack variants and side bets are offered.

Blackjack Terminology

  • Bankroll: This is the money that you have put aside to play blackjack
  • Burn Card: Dealers will burn one card after each shuffle. Many casinos burn a card when a new dealer taps into the game.
  • Card Counting: Keeping track of the high and low-value cards in order to determine optimum bet and play.
  • Color up: Chips you push in after completing play that you wish to exchange for larger value chips.
  • Cut: The blackjack dealer will request someone place the cut card into the deck after shuffling to cut the freshly shuffled cards.
  • Hit 17: Some casinos will have their dealers hit a soft 17. This is the hand where the ace would allow the total to be either seven or seventeen.
  • Hole Card: The dealer’s card which is not exposed.
  • Natural: A blackjack, any first two cards totaling twenty-one.
  • Pat Hand: Card total of more than seventeen, which will not be hit.
  • Side bet: Most blackjack games online or in a land-based casino will be able to bet separately on things such as being dealt three aces or your two cards and the dealer’s upcard making a flush or straight.
  • Soft Double: Doubling your first two cards in which one of these cards is an ace.
  • Stiff: A hand that adds to between twelve to sixteen that is likely to bust if you hit it.
  • Third Base: The player’s spot to the dealer’s right acts immediately before the dealer does.

Best Real Money Blackjack Casinos

When you think about playing blackjack for real money, safety, ease of use, and entertainment are at the top of your mind. And those are the same things we use to rate the top real money casinos online. The casinos we picked are backed by some of the biggest names in the gambling world. Our picks are closely licensed and inspected by US regulators and have dealt with millions of customers with few complaints.

They all have easy signup and withdrawal methods, which can be handled on your mobile app. They have live support and phone service that you can contact for questions or concerns and an outstanding core belief in customer service.

Most importantly, we’ve picked these casinos because they offer great blackjack games that are fun and easy to play and offer good, solid returns to players (RTP), which in most cases is below .5% house advantage. And with live dealer options or gorgeous desktop or mobile apps, playing online is as fun as being at a real blackjack table.

Caesars Palace Online Casino Blackjack

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Caesar’s Palace Online Casino operates in Michigan, Ontario, Pennsylvania, New Jersey, and West Virginia. They have very generous bonuses, including a no-deposit bonus. Quick payouts, outstanding customer service support, and a brand-new mobile app make this a top-level casino contender. In a recent nod to customer sentiment, they are splitting the sportsbook from the casino app to facilitate easier search and navigation.

They offer both live dealer and online blackjack. Table minimus generally starts at $1. And live dealer games are mostly around $25. They offer many top blackjack variants, including Classic Blackjack, Blackjack Surrender, Free Bet Blackjack, and popular side bets like 21+3 and Blackjack Perfect Pairs. Evolution hosts their Live Dealer Blackjack with its usual top offerings like Lightning Blackjack, Infinite Blackjack, and Blackjack Party.

BetMGM Blackjack

BetMGM currently offers online blackjack games in West Virginia, Michigan, Pennsylvania, and New Jersey. They are the most popular brand in the US and have a massive catalog of slots and casino game titles, including more than a dozen blackjack games.

Their BetMGM loyalty program, which ties in with their land-based casino comp system, allows online players to be rewarded with casino comps and other items for their play. They’ve recently reworked their sign-up bonus program to more closely compete with other online casinos. If you frequent Las Vegas or Atlantic City, their direct mail offers for online players can’t be beat.

They have several NFL and other Pro sports-themed blackjack games like Steelers Pro Blackjack or NHL Blackjack. Their Bet MGM Blackjack Pro game offers an RTP of 99.49%, and all of these games feature both the 21+3 side bet as well as the Blackjack Perfect pairs side bet. They are the market leader with live dealer games and offer a wide selection to choose from. They use both Evolution and Ezugi as live dealer studios, which adds variety.

Golden Nugget Blackjack

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The Golden Nugget is also available in West Virginia, Pennsylvania, Michigan, and New Jersey. They have an above-average number of titles in slots and table games, but some are older NetEnt offerings. They offer good bonuses and tie their loyalty card, called 24K, for their land-based casinos in with online casino play, though you will need to earn 7,500 points before you can use your rewards at one of their land-based properties.

With almost twenty blackjack titles, you’ll have plenty of games to choose from. Their surrender blackjack has an outstanding RTP of 99.67%, bets as low as ten cents, and is an excellent game to learn the ins and outs of online blackjack. Their Vegas Blackjack is also loads of fun and has an RTP of 99.6%, primarily due to being dealt out of a four-deck shoe. Evolution is the provider of their Live Dealer titles, and as such, you will find the games offered the same as most other online casinos.

FanDuel Casino Blackjack

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Many people may remember Fanduel as a fantasy sports book operator, but they’ve also become a household name in the online casino space. They also operate in Michigan, New Jersey, West Virginia, and Pennsylvania, but through a compact with the Mohegan Sun, they also have an online casino in Connecticut. (Note that Mohegan Sun online casino is not available in PA.) They offer solid sign-up bonuses and are a very reputable and safe online casino, but they lack that connection with world-class land-based casinos that our other picks offer.

FanDuel Casino has a solid offering of both live dealer and online blackjack. Their live dealer offerings are also from Evolution, including the always-popular Infinite Blackjack. They also have the multi-hand Surrender Blackjack with an RTP of 99.6% and Blazing Seven’s Blackjack, a popular progressive side bet that can see jackpots in the hundreds of thousands of dollars.

Top Real Money Blackjack Games Online

The best blackjack game is the one you like to play, but that being said, the second-best blackjack game is the one that returns the most to the player. Here are some of the blackjack games with the highest return to player (RTP) you can look for when playing online.

  • Single Deck Blackjack: RTP of 99.9% with all the right rule options enabled. The most important features are 3-2 blackjack and double any two cards. Blackjack doesn’t get much better than this.
  • Atlantic City Blackjack: While this game is played with eight decks, the ability to surrender any first two cards more than makes up for it. RTP of 99.65%
  • Infinite Blackjack: Low limits, and there’s always a seat available. Plus, the six-card-Charlie rule helps keep the RTP at a very reasonable 99.47%
  • Lightning Blackjack: The key to lightning blackjack is a series of winning hands. You need to win the next hand in order to be paid from the multiplier from the last hand. A long series of wins means a lot of excitement and lots of multipliers.

Basic Online Blackjack Strategy

No matter what game you decide to play, looking up the best way to play is important. Every Blackjack variant has a slightly different basic strategy. First, we will need to find the correct title or variation, then by looking at how many decks are in action, what rules are allowed as far as hitting and doubling, and whether the dealer hits soft 17. We can then find the appropriate basic strategy chart.

Using these charts is essential because it gives us the most mathematically correct way of playing the game and thus keeps the house’s advantage low and return to player high.

Live Dealer Blackjack Online

live dealer blackjack screenshot

Live dealer Blackjack is a great way to learn to play the game. As the name suggests, you will be playing against a live dealer at a studio or casino. You can interact with them if you choose, as well as the other players at the table. Table limits are still relatively low; you can generally find a game for as low as $5. The dealer takes the time to help you understand the rules and procedures.

Many people often prefer the immersive experience and using actual cards instead of a random number generator to play the game. Also, some people crave the more social experience of playing with a real dealer and other players.

Getting Started with Real Money Online Blackjack

When it comes time to pick a casino to play for real money games, it only makes sense to choose a well-known national brand that offers excellent customer service, good sign-up bonuses, and, most of all, that makes you feel safe. We’ve mentioned Bet MGM, Caesar’s, Fan Duel, and Golden Nugget as great places to find great games, but they are also best in class for helping new players get signed up and feel at home online.

Getting started is as simple as clicking on one of the many links on this page to be magically whisked away to a top online casino, entering your info, and setting up a deposit method. If you’re in a state that allows online wagering, you can get started in less than ten minutes. And if you will soon be visiting a state that has online casinos, you can get registered ahead of time and be able to make a bet as soon as you cross state lines.

If you already have a player card with one of these casino companies, as tens of millions of Americans do, the process can be even quicker and simpler.

Online Blackjack FAQs

Blackjack is a card game where players aim to achieve a hand value as close to 21 as possible without going over while competing against the dealer. Players are dealt two cards and can hit, stand, split, double or surrender. The dealer is also dealt two cards and whoever is closer to 21 without going over wins.

Connecticut, New Jersey, Pennsylvania, West Virginia, and Michigan have online casinos where you can place actual wagers, with Rhode Island hopefully up and running by 2024. Many other states are sure to follow.

Yes! Almost all online casinos allow you to use blackjack to clear bonuses, but some will only count wagers using blackjack as 10% or 25% towards the bonus wagering requirements. 

For example, if one casino allows you to use blackjack and counts 100% towards $1,000 in wagering, you will simply need to wager $1,000 to clear the bonus.

If the online casino only counts blackjack at 10%, you would need to wager $10,000 in order to clear the bonus. 

Yes! If you are not in a legally regulated state, you can play blackjack online for free on one of the many social casinos such as High 5 Casino and win real cash and prizes. 

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