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Played hands show up here with the cards, your decisions, and the result.
Spanish 21 strategy differs from blackjack because the missing tens change dealer bust rates and player totals, and because doubling is allowed on any number of cards and any total — a three-card 11 is still a double. These charts are generated directly from the same tables the trainer grades you against, so what you see here is exactly what you are being coached on.
Hard totals (not yet doubled)
Soft totals — ace + a small card (not yet doubled)
Pairs (not yet doubled)
7,7 vs. dealer 7 is a special case: split it unless your two 7s are suited, in which case stay on the hard 14 and hit, chasing the suited 6-7-8 / 7-7-7 bonus instead.
After you double — stand or rescue
Double down rescue means you can surrender for the original bet back after you double and take your card. Rescue a doubled total of 16 or less against a dealer 8, 9, ten-valued card, or ace, and a doubled 17 against an ace, since this dealer hits soft 17. Nothing else, and never against a 2 through 7.
The words that matter
- DDouble. Spanish 21 allows doubling on any number of cards and any total, so the chart says double whenever it is correct, not just on your first two cards.
- RSurrender if you can (first two cards only). If surrender is not offered, fall back to the next best play.
- PSplit. Spanish 21 lets you resplit any pair, including aces, up to four hands, and hit or double after splitting aces.
Bonus payouts (not after doubling or splitting)
| Blackjack (2-card 21) | 3 to 2 |
| 5-card 21 | 3 to 2 |
| 6-card 21 | 2 to 1 |
| 7-or-more-card 21 | 3 to 1 |
| 6-7-8, mixed suits | 3 to 2 |
| 6-7-8, one suit | 2 to 1 |
| 6-7-8, all spades | 3 to 1 |
| 7-7-7, mixed suits | 3 to 2 |
| 7-7-7, one suit | 2 to 1 |
| 7-7-7, all spades | 3 to 1 |
| Suited 7-7-7 vs. dealer 7 (Super Bonus) | $1,000–$5,000 |
Match the Dealer side bet (6 decks)
| Suited match, per card | 9 to 1 |
| Non-suited match, per card | 4 to 1 |
| No match | Loss |
Each of your first two cards is compared to the dealer's up card separately, and both can pay: a card of the same rank pays 4 to 1, the same rank and suit pays 9 to 1. Ranks are distinct, so a jack only matches a jack, not a queen or king. This is a pure side bet with a 3.055% house edge, about six times the main hand's; it has no effect on your main-hand strategy.
Common mistakes
- Standing on hard 16 against a dealer 7 or higher out of habit. In Spanish 21 that hand hits, all the way up through an ace; only hard 17 against an ace is a surrender.
- Never using double down rescue. Rescue is worth about 0.15 percentage points and comes up on 1.40% of rounds. Rescue a doubled total of 16 or less against a dealer 8, 9, ten-valued card, or ace, and a doubled 17 against an ace.
- Not doubling on three or more cards. Spanish 21 lets you double at any point, on any total; a three-card 11 is still a double. Players who only ever double on two cards give up about 0.17 percentage points.
- Splitting suited 7s against a dealer 7. That specific pair is the one time you keep the double 7 and hit instead of splitting, because a third 7 completes the highest-paying bonus in the game.
- Treating a 3-card 21 as just a 21. A 6-7-8 or 7-7-7 pays a real bonus over a plain win. Do not double or split into one of these hands if it costs you the bonus.
Chart computed by an exact combinatorial engine over the six-deck Spanish shoe with the dealer's peek applied, evaluating hit, stand, double, rescue, split, and surrender for every reachable hand. See the full strategy guide for the methodology and the stand-vs-hit-soft-17 variant.