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Adding a 3-Card Side Bet to Blackjack Gives a Whole New Experience

Many casinos have tried to make blackjack more interesting (and often increase their house edge) by using side bets. Popular examples include 777 or Perfect Pairs. 21 +3 Blackjack is a regular game which can be either European or US rules, which has a 3-card optional side bet. The idea is that you make a poker style hand with your first 2 cards in combination with the dealer’s up card. There are some big payouts possible. These depend on the pay table in use – there are several variations. 21 +3 Blackjack can be played online and in live casinos.

This page gives you a complete overview of 21+3 Blackjack. I have used the live version as a basis, using the US rules – though the format is the same with European blackjack rules. Poker heads up dealer blind. First you will find an overview of the game, followed by some notes on strategy. Pros and Cons of this side bet are covered after that.

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Overview of 21+3 Blackjack

The 21+3 side bet is optional, and its size does not need to be the same as the main bet. In order to play the side-bet, you need to participate in the main hand.

Placing a bet in the 21+3 square is all you need to do to participate. As soon as the deal is made, and before any player takes any actions the 2 player cards and the dealer’s up-card (or only card in European Blackjack) are compared to the pay table.

There are several variations of 21+3 payouts, the most simple pays from a ‘flush +pair’ and up, with 9-to-1 payouts in each case. When pairs are also included, this is hit more often, so the prizes are lowered to reflect this. There are 3-to-1 for all hands (pair, flush, straight, trips and straight flush) or there are staggered pay tables.

When the prizes are staggered, a straight flush or better can win significant money. Here is an example:

• Flush – Pays 5:1
• Straight – Pays 10:1
• Straight Flush – Pays 35:1
• Three of a Kind – Pays 33:1
• Suited 3 of a Kind – 100:1

Keep in mind that depending on the pay table, the house edge can get as high as 13% for this side bet. You can find examples of games (depending on the number of decks in use) where this is around 2.78% instead.

Strategy for 21+3 Blackjack

It goes without saying that knowing the correct basic strategy of the base game is a prerequisite here. Without this you are just handing money to the house.

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Your main ‘strategy’ decision over the long run with the 21+3 side-bet is whether to play or not. The house edge is bigger than in most base games. If you know this, then you get to decide whether the added interest and entertainment (and chance of a windfall win) are worth it to you. If the extra engagement from the 21+3 bet works for you – then you can simply add a little to your bankroll to cover this.

Card counters can beat this game by memorizing the suits as they are dealt. It is possible on some deals to find one suit over-represented as the shoe gets smaller – turning the edge positive for players. The expected hourly rate for this is very low compared to other forms of counting. Online the deck is shuffled after each hand, making card counting impossible.

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Pros and Cons of 21+3 Blackjack

Adding a poker style hand to blackjack makes for an interesting variation – though I do wonder whether ‘purists’ in either discipline would approve! Depending on which of the pay tables you use there is the chance of a 9-to-1 or even bigger windfall. That elusive suited 3-of-a-kind (paying 100-to-1) would certainly be memorable.

Whether you participate depends on your attitude towards side-bets in general. Some players like these bets, and are happy to pay the extra house-edge for the chance of the occasional big win. Others scorn these bets as long-term losers.

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Summing Up – How Does 21+3 Blackjack Compare?

This is an interesting side bet, though there are plenty more to choose from. The jackpot potential of the 777 side bet appeals to many players, and the regular payouts for Perfect Pairs is also popular. For me the 21+3 bet compares well, and is sure to have its fans.

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Introduction

Free Bet Blackjack is a blackjack variant by game inventor Geoff Hall. The twist to this one is the player doesn't have to risk his own money when splitting or doubling (most of the time). It is like playing with a generous boyfriend at the table who makes all the supplemental bets for you and lets you keep the winnings. What is the catch? Like in Geoff's other game, Blackjack Switch, if the dealer gets a 22, all bets left standing push.

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The game opened for business on June 20, 2012 at the Golden Nugget. I went down for the game's debut and found the table full of people enjoying the game. The strategy is simpler and offers more doubles and splits than conventional blackjack. Gamblers who find the basic strategy of conventional blackjack too complicated to memorize may take relief in the simplicity of Free Bet Blackjack.

Rules

The rules have changed since the game launched at the Golden Nugget. It is my understand that the rules below are now the norm. The game is based on standard blackjack, with the following rules:

• Six decks
• Dealer hits soft 17's
• Blackjacks pay 3 to 2
• Double after split allowed
• Double on two cards only
• Re-split pairs up to four hands, including aces
• No surrender

The game introduces two major rule changes:

1. 'Free Doubles' on hard totals of two-card total of 9, 10, or 11. Regular doubles are still allowed on all other two-card hands. With a 'free double,' the player's original wager is matched with a 'free bet' button and the player receives one additional card. At the end of the hand:
   • If the dealer wins, the player loses his original wager only.
   • If the hand results in a push, the player gets back his original wager only.
   • Otherwise, if the player wins, the player gets back his original wager plus winnings equal to double that wager.
2. 'Free Splits' on all pairs except 10's. With a 'free split,' the player's two cards are divided into two one-card hands. The player's original wager is placed with the first hand and a 'free bet' button is placed with the second hand. The player plays out each hand one at a time and is entitled to a 'free double' or 'free split' on both hands. For winning hands, each 'free bet' button is replaced with real chips equaling the original wager. On hands resulting in a player loss or push, the dealer takes back the 'free bet' button.
3. Dealer pushes on 22. If the player has 21 or less and the dealer busts with 22, then the player's wager is a push.

Basic Strategy

Strategy depends on whether you are playing a real money bet or a free bet. There is a difference because a push is just as bad as a loss on a Free Bet, thus causing a more aggressive strategy. The following three tables show the strategy for a real money hand, free bet hand, and pairs respectively.

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House Edge

The house edge under the standard rules above is 1.04%.

Rule Variants

Following are the effects of some possible rule variants. The effects are the change in the player's expected return. The figures below with a (SH) were taken with permission from Discount Gambling. The ones with a (Wiz) were calculated by me. It is interesting that the greater the number of decks, the better the odds for the player, which is the opposite of conventional blackjack. I assume it is because there is more free-splitting with more decks, due to a lesser effect of non-replacement.

• Free doubles with three or more cards (DG): +0.66%.
• Dealer stands on soft 17 (DG): +0.31%.
• Late surrender allowed (DG): +0.21%.
• One deck: -0.14% (Wiz).
• Two decks: -0.06% (Wiz).
• Eight decks: +0.01% (Wiz,DG).
• No re-splitting aces (DG): -0.08%.
• No free re-splits on a pair of fours (DG): -0.27%.
• No re-splitting 2-9: -0.32% (DG).
• No double or free-double after a split (DG): -0.70%.
• Blackjack pays 6 to 5: -1.36% (Wiz).

Pot of Gold

I have heard reports that some casinos offer a side bet called Pot of Gold, which is based on the number of Free Bet tokens the player accumulates per initial hand. The Washington Gambling Commission lists two Pot of Gold pay tables. Following is my analysis of both of them. These tables were based on a random simulation. The lower right cells show a house edge of 5.77% on pay table 1 and 4.64% on pay table 2.

Pot of Gold — Pay Table 1

Tokens	Pays	Probability	Return
7	1000	0.000002	0.002026
6	300	0.000027	0.008140
5	100	0.000194	0.019445
4	60	0.000847	0.050799
3	30	0.003866	0.115973
2	10	0.013488	0.134884
1	3	0.148155	0.444466
0	-1	0.833420	-0.833420
Total	1.000000	-0.057686

Pot of Gold — Pay Table 2

Tokens	Pays	Probability	Return
7	100	0.000002	0.000203
6	100	0.000027	0.002713
5	100	0.000194	0.019445
4	50	0.000847	0.042333
3	30	0.003866	0.115973
2	12	0.013488	0.161861
1	3	0.148155	0.444466
0	-1	0.833420	-0.833420
Total	1.000000	-0.046426

The player can lower the house edge on the Pot of Gold by splitting fives instead of doubling, at the detriment of the primary wager. If the player splits fives the house edge on the Pot of Gold will be 2.75% under Pay Table 1 and 1.48% under Pay Table 2. Splitting fives, instead of doubling, will increase the house edge on the base wager by 0.15%.

Acknowledgement

I would like to thank Geoff Hall, the inventor, for his cooperation with the rules and sharing the math report. This report is based on a combination of work between Stephen How and me. We are in close agreement on the house edge. The basic strategy and some of the effects of rule variations are the work of Stephen How.

Internal Links

• Original rule card. Please note that doubling on three or more cards is no longer allowed but free splits of fours is. Overall, the old rules were better, of course. Table game rules seldom get better for the player.

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Outside Links

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• Free Bet Blackjack page at Discount Gambling.
• Free Bet Blackjack Facebook page.