Card values are straightforward: numbered cards are worth their face value (2-10), face cards (Jack, Queen, King) are worth 10, and an Ace can be worth either 1 or 11, depending on which value benefits the player's hand the most. The dealer also plays by the same rules, but there are certain set dealer actions. The initial deal sees each player and the dealer receiving two cards. One of the dealer's cards is usually face up, while the other is face down (the "hole card").
After the initial deal, players decide how to play their hands. The primary actions available to players include:
The dealer's actions are pre-determined. They must hit on a hand value of 16 or less and stand on 17 or more. If the player's hand exceeds 21, it's a "bust," and the player loses their bet. If the player's hand is closer to 21 than the dealer's hand, the player wins, receiving double their bet.
If the dealer's face-up card is an Ace, players are often offered "insurance." This is a side bet that the dealer has blackjack (a hand value of 21). If the dealer has blackjack, insurance pays out 2:1. Furthermore, if a player has Blackjack and the dealer shows an Ace, they may opt for Even Money," receiving an immediate payout of 1:1, instead of potentially going head-to-head with the dealer.
The goal is to beat the dealer without going over 21. If the dealer busts, all remaining players win. If the dealer's hand is closer to 21 than the player's, the player loses. When the player and dealer have the same total, it's a push, and the player neither wins nor loses their bet. Understanding these blackjack rules is essential before you start wagering your money.