Blackjack 6 to 5 vs 3 to 2: Understanding the Impact on Your Winnings

Jacob Frink
By Jacob Frink 4 Min Read

Blackjack, the quintessential casino game, is a blend of skill, strategy, and luck. A key element that significantly affects your potential winnings is the payout ratio for a blackjack. This guide delves into the crucial differences between 6 to 5 and 3 to 2 blackjack payout ratios, helping you understand how each impacts your winnings. By making informed decisions, players can optimize their gameplay and enjoy better returns. Let’s break down these payout structures to see which is more beneficial for the player.

Understanding Blackjack Payouts

The payout ratio in blackjack indicates the amount a player wins relative to their bet if they hit blackjack – an ace paired with any ten-valued card. Traditionally, casinos have used a 3 to 2 payout ratio, but there has been a shift toward the 6 to 5 payout ratio in many establishments. Recognizing the difference between these two can significantly influence your game strategy and overall success at the blackjack tables.

3 to 2 Blackjack Payout

In a 3 to 2 payout scenario, for every $2 bet, the player wins $3 if they hit blackjack. This standard payout offers a fair return and keeps the house edge lower, making it a favorite among seasoned blackjack players. Below is an example calculation of winnings under this payout.

Bet Amount Winning Amount (excluding the original bet)
$10 $15
$20 $30
$100 $150

6 to 5 Blackjack Payout

On the other hand, a 6 to 5 payout ratio means that for every $5 bet, the player wins $6 if they hit blackjack. While this might seem like a minor difference, it significantly increases the house edge and reduces the player’s winnings over time. Here’s how the winnings break down with a 6 to 5 payout:

Bet Amount Winning Amount (excluding the original bet)
$10 $12
$20 $24
$100 $120

The Impact on Your Winnings

Choosing games with a 3 to 2 payout over those offering 6 to 5 can have a profound impact on your winnings. For casual players, the difference may not seem significant at first glance, but over time and with larger bets, the reduced payouts of 6 to 5 games can eat substantially into potential profits.

  • Higher long-term profitability: Opting for 3 to 2 games enhances your winning potential over the long haul.
  • Lower house edge: 3 to 2 games typically have a lower house edge, offering better odds for the player.
  • Strategic play: Knowing the payout ratios can inform your game strategy, particularly when considering insurance bets and other side bets.


Understanding the difference between blackjack 6 to 5 vs 3 to 2 payouts is essential for any player looking to optimize their gaming experience and maximize their winnings. Although 6 to 5 games are becoming more common, savvy players will seek out the more favorable 3 to 2 tables. By doing so, they not only enjoy better odds but also enhance their excitement and satisfaction playing one of the most popular casino games worldwide. Remember, knowledge is power, especially when it comes to maximizing your return at the blackjack table.

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