Five-card Charlie: a house rule and what it would be worth
A five-card Charlie wins any hand of five cards that has not bust. How rare that is, why a third of such hands still lose, and what the rule is worth.
A five-card Charlie wins any hand of five cards that has not bust. How rare that is, why a third of such hands still lose, and what the rule is worth.
Blackjack's house edge is a sum of small rule effects. Acting first costs about 8%; 3:2 naturals, surrender and deck count move it. Each rule priced in points.
Doubling down doubles your bet for exactly one more card. See why the one-card limit exists, when it pays, and how house rules change the move.
You finish your hand before the dealer plays, so if you bust, the dealer's cards no longer matter. Copy the dealer exactly and that one rule costs you about 8% of every bet.
An ace counts as 11 until that would bust you, then as 1. See why a soft hand cannot bust on one hit, and how often a hit turns soft 13 to 21 into a hard total.
With an ace or a ten showing, a dealer who peeks checks for blackjack before you act. See the 30.87% and 7.72% odds, and what the check saves a double.
A push returns your stake: no win, no loss. See which ties count, why a bust never pushes, and how often standing on 20 meets a dealer 20.
Whether the dealer hits or stands on soft 17 moves the house edge by about 0.2 points in six decks. See how it reshapes the dealer's totals and your plays.
Sixteen of 52 cards count ten, 30.8% of the deck. That one fact sets the dealer's hole card, the stiff hands, how often you get 20 and a natural.
Another player's hit never changes your expected result. Every unseen card is equally random, so the player who took the dealer's bust card cost you nothing.
Blackjack, pontoon and vingt-et-un all aim at 21 but differ in who sees what, who wins ties and what a natural pays: 2:1 in pontoon, 3:2 in blackjack.
A six-deck shoe adds roughly half a point to the house edge over one deck. Card removal, pairs and dealer naturals shift by far less than most players expect.
Sixteen is the worst total in blackjack, and a pair of eights is exactly that. Split them and the aces: each new hand starts from a total that cannot bust.
The dealer has no choices: draw to 16, stand on 17. That fixed rule makes a 6 bust 42.3% of the time and a 10 only 21.2%, in a six-deck game.
A natural turns up once every 21 hands in a six-deck shoe. Cutting its pay from 3:2 to 6:5 adds about 1.36 points to the house edge, more than every other common rule change put together.