There are a number of situations in blackjack where you can make a decision beyond whether or not you want to hit or stand. Depending on the first two cards, you can double down, split pairs, and in some cases, surrender. This article will explain the differences in the rules for each of these situations.
Double Down – You will be able to
double down after your first two cards providing you meet the casino's rule for doubling down. Most casinos will allow you to double down on any two cards (DOA). Some casinos limit your doubling to hands that total ten or eleven. When you double down, you will be allowed to double your bet, and you will receive one card from the dealer. Show your cards to the dealer, announce that you are doubling down and match your current bet with chips from your stack. Your card will be given to you face down.
The obvious question with doubling down is why should you do it? If you have a hand such as a 9, 10 or 11, and if the dealer has a weak hand showing, the odds are greatly in your favor to win.
Here's a table of when to double down:
When to Double Down
Dealer's Upcard
|
|
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
A |
Player's Hand |
|
|
|
|
|
|
|
|
|
|
5-5 |
Db |
Db |
Db |
Db |
Db |
Db |
Db |
Db |
|
|
Soft 18 |
|
Db |
Db |
Db |
Db |
|
|
|
|
|
Soft 17 |
|
Db |
Db |
Db |
Db |
|
|
|
|
|
Soft 16 |
|
|
Db |
Db |
Db |
|
|
|
|
|
Soft 15 |
|
|
Db |
Db |
Db |
|
|
|
|
|
Soft 14 |
|
|
|
Db |
Db |
|
|
|
|
|
Soft 13 |
|
|
|
|
Db |
|
|
|
|
|
11 |
Db |
Db |
Db |
Db |
Db |
Db |
Db |
Db |
Db |
|
10 |
Db |
Db |
Db |
Db |
Db |
Db |
Db |
Db |
|
|
9 |
|
Db |
Db |
Db |
Db |
|
|
|
|
|
Splitting Pairs
When you are dealt a pair, you have the option of splitting those cards into two separate hands. You must bet an equal amount to your original hand. You would then play those hands as you would a normal hand. However, if you split aces, you will only receive one additional card.
Splitting cards provides the player with the same advantage as doubling down. The player has the opportunity to increase his wager when he sees the dealer has a weak hand.
When to Split Pairs
Dealer's Upcard
|
|
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
A |
Player's Hand |
|
|
|
|
|
|
|
|
|
|
A-A |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
9-9 |
Sp |
Sp |
Sp |
Sp |
Sp |
|
Sp |
Sp |
|
|
8-8 |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
7-7 |
Sp |
Sp |
Sp |
Sp |
Sp |
Sp |
|
|
|
|
6-6 |
|
Sp |
Sp |
Sp |
Sp |
|
|
|
|
|
3-3 |
|
|
Sp |
Sp |
Sp |
Sp |
|
|
|
|
2-2 |
|
|
Sp |
Sp |
Sp |
Sp |
|
|
|
|
Insurance
When a dealer is showing an ace, the player has the option, in most cases, to take insurance (see
blackjack insurance). This bet is offered to give the player a chance to break even on their hand if the dealer has a blackjack. To take insurance, you make an additional bet worth half of your original bet. If the dealer has twenty-one or
blackjack, you win double your insurance bet, but unless you have a blackjack yourself, you will lose your original, so you'll wind up even.
Now let's say you have a blackjack, and the dealer shows an ace. If you take insurance, and the dealer has blackjack, you'll win insurance and push on your hand, giving you even money. If the dealer doesn't have a natural, and you take insurance, you win 3 to 2 on your blackjack, but lose your insurance -- even money again.
The complications of insurance shouldn't bother you too much because it's a bet you should avoid. The real bet you are making is whether or not the dealer has a
natural if the first card is an ace. The odds of this happening are predicated on how many 10 point cards are still in the deck. If you are playing
single deck blackjack and you know there are a lot of face cards and tens left in the deck, the edge might be in your favor. But, if you are a casual player playing against a multi-deck shoe, the house edge on insurance is up to 8%, regardless of your hand. This is much worse than sticking to basic strategy.
Surrender
If you're at a table that offers this option, you can forfeit half of your bet if your hand feels like a loser. If the casino allows you to take back half your bet even if the dealer's hand is a natural, this is called early surrender. Casinos most often limit this bet to when the dealer doesn't have a natural. This is known as late surrender. There are very few occasions that you should take this option. Here's a short table to show you those times.
When to Late Surrender
Dealer's Upcard
|
Player's Hand |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
A |
Hard 17 |
|
|
|
|
|
|
|
|
|
Sr |
Hard 16 |
|
|
|
|
|
|
|
Sr |
Sr |
Sr |
Hard 15 |
|
|
|
|
|
|
|
|
Sr |
Sr |