How does online blackjack work?

In online blackjack, you try to beat the dealer by getting more points without going over 21. Good rules with basic strategy can bring the house edge below 0.5%, according to Wizard of Odds. The biggest thing to check is the payout on a blackjack: 6:5 instead of 3:2 costs you about 1.39%.

By InsideCasino.us. Updated November 5, 2026.

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Which blackjack rules matter most?

The payout on a blackjack matters far more than any other common rule. These are the effects Wizard of Odds lists, measured against an eight-deck game with good rules.

RuleChange in house edge
Blackjack pays 6:5, not 3:2Up 1.39%
No doubling at allUp 1.48%
Dealer hits soft 17Up 0.22%
Double only on 10 or 11Up 0.18%
No doubling after a splitUp 0.14%
No resplittingUp 0.10%
Single deck, not eightDown 0.48%
Late surrender against a tenDown 0.08%

Figures read from the Wizard of Odds table. Effects can differ slightly when rules combine.

What is the house edge on online blackjack?

The house edge on online blackjack depends on the rules, and it assumes you play basic strategy. Wizard of Odds surveyed online games with an edge of 0.15% on one single-deck game and 0.45% on one live game, Evolution's Infinite Blackjack. Our online casino games page gives 0.28% for liberal Vegas rules and 0.43% for Atlantic City rules. Poor play costs far more than these small gaps.

What is basic strategy in blackjack?

Basic strategy is the mathematically best play for each hand against each dealer card. Exact charts depend on the rules, so use one made for your game. These common points are a starting place:

  • Always stand on a hard 17 or higher.
  • Always hit a hard 8 or lower.
  • Always split aces and eights.
  • Never split tens or fives.
  • Skip insurance, which Wizard of Odds also advises against.

Is 6:5 blackjack common?

6:5 blackjack exists online, so check the payout before you play. New Jersey approved a test of 6:5 on casino floors from September 1, 2024 to January 2, 2025, at tables with a $25 or lower minimum and no more than half of open tables. That approval covered land-based tables, and we did not find what happened after it. Read the payout in any online game's rules panel.

Can you count cards in online blackjack?

Not in the usual way. Many digital games shuffle after each hand, so past cards tell you nothing, though we did not check each game. Live dealer games use physical cards, but casinos control how deep they deal. Apple also bars card counters and other illegal gambling aids from the App Store. Learn basic strategy first, since it does far more for most players.

What are the rules in your state?

Each state sets its own online casino rules. Pick a state to see its status, its regulator and the date we last checked it.

Read next: Roulette

Sources

Checked November 5, 2026. Regulator rules were read through the sources listed, and they can change. How we research.