Blackjack Rule-Comparison Tool: 3:2 vs 6:5

Compare two tables before choosing a game. Set the payouts and rules for each game to see which differences favor the player and how much they may change the estimated house edge.

Side-by-side comparison

Compare two blackjack games

Assumes correct basic strategy and conventional blackjack. Side bets and variants such as Spanish 21 are outside the model.

Game A








Game B








Estimated result

Game A has the better rules

Estimated edge · Game A0.70%0.70 per 100 wagered
Estimated edge · Game B2.09%2.09 per 100 wagered
Estimated difference1.39 points13.90 per 1,000 wagered
Rules separating the two games
Rule Game A Game B Estimated effect

How the comparison is calculated

The model begins with an approximate 0.50% benchmark: eight decks, S17, double on any first two cards, double after split, up to four hands, no resplitting aces, no hitting split aces, no surrender and a 3:2 payout. It then applies each rule’s effect on player return.

The effects are additive for a clear comparison. Exact combinatorial results can differ by a few hundredths because rules interact, cut-card dealing differs from shuffling every hand and some strategies depend on composition.

Included rule effects

Change Approximate player effect
6:5 instead of 3:2 −1.39 points
H17 instead of S17 −0.22
No double after split −0.14
Double on 9–11 / 10–11 only −0.09 / −0.18
Late surrender +0.07
Resplit aces +0.08
Hit split aces +0.19

Sources and limitations

Always verify the complete rules. This tool does not model penetration, card counting, strategy errors, side bets or unconventional variants.