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Most of what’s written about the game of blackjack on the internet concerns itself with blackjack as it’s played in a casino setting. In fact, I’m not entirely sure that younger blackjack players even know that blackjack is also often played in a private setting (like poker games are), too.This post explains some of the differences between how casino blackjack works as opposed to private blackjack games. Even if you’ve never really played blackjack before, you should be able to participate in or host a private blackjack game after reading this.

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Blackjack writers tell us that the average hand of blackjack is 2.7 cards, meaning more people take three cards than two. Since there are just 5 “small” cards for every 13 “big” cards in a 52-card deck, we get an average of 1.03 “small” cards for every hand of blackjack played–about one card per hand, regardless of how many people.

Blackjack is fun, whether you play with your buddies or in a casino setting. I’m hoping that private blackjack games start picking back up in popularity.

The main difference between playing a private game and a casino game is that in the private game, the deal moves from one person to another. This is a major difference, as you’ll see. There are a few other minor differences, which I’ll also cover in this post.

One of the exciting things about playing in a private game, though, is that you get just as much of a chance of being the dealer as everyone else. And being the dealer is fun, because you have an edge over the other players.

On the other hand, if you’re the dealer and banking all the action from multiple other players, you can lose much more money on a single hand than usual, too.

In a private game of blackjack, you’ll have between 2 and 7 players, usually. This includes the dealer. More players than this, and the game becomes unmanageable.

You’ll use a standard 52-card deck with the addition of a joker, which substitutes for the burned card in a casino game of blackjack.

The cards have the same values as in casino blackjack. Aces are worth 1 or 11, face cards (the jack, queen, and king) are worth 10 points, and all the other cards are worth their ranking. Suit still doesn’t matter.

In most private games, you start with one player picking up the deck and shuffling the cards. The player to the right of the shuffler gets to cut the cards. Then cards are dealt one by one to each of the players until someone gets an ace.

The player to get the 1st ace gets to be the dealer 1st.

I’ve heard of games where the cards are dealt until someone gets a blackjack (2 cards totaling 21), but that seems unlikely to me, as it would take a lot of time to choose a dealer that way. I think it would be more likely to deal cards until someone literally gets a “black jack”—either the jack of spades or the jack of clubs.

Any of these random methods for choosing a dealer work fine, though.

Once the dealer is chosen, he shuffles the cards, lets the player to his right cut the cards, and he deals the game. The joker is placed face up on the bottom of the deck to replace the burned card. This makes it impossible to see what the bottom card of the deck is.

Sometimes, the dealer gets to choose the betting limits. It’s better, though, that this decision be made in advance before the game by a consensus of the players. You might, for example, agree that you can bet between $1 and $5 on every hand. I like to use the same poker chips I use for my Thursday night home poker game for my private blackjack games. If the betting limits keep changing from hand to hand, players get confused and sometimes frustrated.

In casino blackjack, it’s customary to bet before you get your 1st card. This is how the game is played in some private games, too.

But in other private games, you’re not required to bet until after you get your 1st card. The dealer in a private blackjack game has advantages that the dealer in a casino doesn’t have, and this change helps compensate for that. (The dealer in a private blackjack game doesn’t have to follow the “casino strategy” of standing on a 17+ and hitting a 16 or lower. He can use his own judgment.)

It’s also customary that a dealer can decide to double everyone’s bets after he gets his 1st card.

And the final big difference for the dealer, which is also advantageous for the dealer, is that the dealer wins ties in a home game of blackjack.

Players also get some advantages they don’t have in the casino, though. The biggest of these is the payout for a blackjack. In a casino, the payout for a “natural” (a 2-card hand totaling 21) is 3 to 2. In a home game, the payout for a natural is 2 to 1 instead.

How the Deal and the Hand Plays Out in a Home Game of Blackjack

Everyone—dealer included—gets a single card, face-down. (This is different from casino blackjack, where the dealer’s card is face-up.) In a home game, the dealer would face too great a disadvantage if he were to get his first card face-up.

Then everyone gets to look at his hole card and decide how much to bet. The dealer acts last, and he gets to decide whether everyone has to double the size of their bets.

Also, if the dealer doubles the bets, each player gets the option to redouble his bet again.

Then everyone gets their next card face-up. If the dealer has a blackjack, he announces it immediately. He gets to collect double from each player.(In casino blackjack, the dealer doesn’t get a bigger payoff when he has a blackjack.) If a player also has a blackjack, the player loses the tie, but he doesn’t have to pay double.

If a player gets a blackjack, HE gets paid double. But he also gets to deal on the next hand, unless the dealer also has a blackjack. Remember, in home blackjack, the dealer wins all ties, including blackjacks.
If 2 or more players get a blackjack at the same time, the one closest to the left of the dealer gets to deal next. It’s determined in the same order that the betting is determined in.
And if no one has a blackjack, the players get to hit or stand, in much the same way they would in a casino game of blackjack.

Hitting and Standing in a Private Game of Blackjack

The 1st player to the dealer’s left gets to decide whether to hit or stand. A player can hit until he has a total of 22 or higher. If he does get a 22 or higher, he busts, and he loses his bet to the dealer. As in casino blackjack, he loses his bet immediately. If the dealer busts later in the hand, it doesn’t matter, because that player has already lost his bet.

Players in home games of blackjack are allowed to split pairs. They’re also allowed to re-split. And even though in most casinos, when you split aces, you only get to take one more card after splitting, in a home game, you can take more cards if you want to.

A blackjack after splitting is paid off at 2 to 1.

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