Never take insurance or “even money.”

If there is no row for splitting (fives and tens), then look up your hand as a hard total (10 or 20).

If you can’t split because of a limit on re-splitting, then look up your hand as a hard total.

If you play a mixture of six-deck games, some where the dealer hits a soft 17, and some where he stands, and you only wish to memorize one strategy, I would recommend you memorize the one where the dealer stands on soft 17. The cost in errors due to playing the wrong strategy is 2.3 times higher playing a stand on soft 17 game, with the hit on 17 strategy, than vise versa.


Surrender hard 16 (but not a pair of 8s) vs. dealer 9, 10, or A, and hard 15 vs. dealer 10.


Always split aces and 8s.

Never split 5s and 10s.

Split 2s and 3s against a dealer 4-7, and against a 2 or 3 if DAS is allowed.

Split 4s only if DAS is allowed and the dealer shows a 5 or 6.

Split 6s against a dealer 3-6, and against a 2 if DAS is allowed.

Split 7s against a dealer 2-7.

Split 9s against a dealer 2-6 or 8-9.


Double hard 9 vs. dealer 3-6.

Double hard 10 except against a dealer 10 or A.

Double hard 11 except against a dealer A.

Double soft 13 or 14 vs. dealer 5-6.

Double soft 15 or 16 vs. dealer 4-6.

Double soft 17 or 18 vs. dealer 3-6.

Hit or Stand

Always hit hard 11 or less.

Stand on hard 12 against a dealer 4-6, otherwise hit.

Stand on hard 13-16 against a dealer 2-6, otherwise hit.

Always stand on hard 17 or more.

Always hit soft 17 or less.

Stand on soft 18 except hit against a dealer 9, 10, or A.

Always stand on soft 19 or more.

As I’ve said many times, the above strategy will be fine under any set of rules. However, for you perfectionists out there, here are the modifications to make if the dealer hits a soft 17.

Surrender 15, a pair of 8s, and 17 vs. dealer A.

Double 11 vs. dealer A.

Double soft 18 vs. dealer 2.

Double soft 19 vs. dealer 6.


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