What’s the Best Blackjack Payout—and Why 6:5 Is a Red Flag

If you enjoy playing blackjack at casinos, you’ve probably seen signs that read “Blackjack Pays 3:2” or “Blackjack Pays 6:5.” While these numbers may seem like small details, they can significantly impact your potential winnings over time.

Understanding blackjack payouts is essential for making smart betting choices. In this blog, we’ll explore the best blackjack payout, break down what 3:2 and 6:5 really mean, and explain why the 6:5 payout should raise a red flag for any serious player.

What Does a Blackjack Payout Mean?

A blackjack payout refers to the amount of money you win when you’re dealt a natural blackjack—an Ace and a 10-value card—on your first two cards. The most common payouts are 3:2 and 6:5.

To put it simply:

• A 3:2 payout means you win $15 on a $10 bet
   

• A 6:5 payout means you win $12 on a $10 bet
   

The difference might seem small at first glance, but over time, this change gives the casino a much higher edge.

Why 3:2 Is the Standard (and Better) Payout

The 3:2 payout is the traditional blackjack standard. It rewards players fairly for getting a natural blackjack, which is the strongest hand in the game. This payout has been around for decades and is what most experienced players look for.

Here’s why 3:2 is better:

Better Player Value

When you’re paid 3:2, you’re getting a 150% return on your bet for a blackjack. This is a solid payout that keeps the house edge low—usually around 0.5% when playing perfect strategy.

Encourages Skill-Based Play

Blackjack is one of the few casino games where strategy matters. A 3:2 payout supports skilled play by offering fair rewards, which makes the game more appealing to players who take the time to learn the rules. Knowing where to play blackjack safely ensures you get the most out of your skills without risking unfair practices or shady platforms.

Lower House Edge

The lower the house edge, the better your chances over the long run. With 3:2 payouts and standard rules, you’re facing one of the most favorable odds in the casino.

What’s the Deal with 6:5 Payouts?

In recent years, many casinos have started offering blackjack tables with 6:5 payouts. These tables often attract newer players who aren’t aware of the difference, but for seasoned bettors, it’s a big red flag.

The Numbers Don’t Lie

Let’s do a quick comparison:

• With 3:2, you win $15 for a $10 bet
   

• With 6:5, you win $12 for the same $10 bet
   

That’s a 20% reduction in your winnings every time you hit a blackjack. Over a few hands, that might not seem like much—but over the course of an hour or a full session, you could be losing hundreds more than necessary.

Higher House Edge

The switch from 3:2 to 6:5 increases the house edge by about 1.4%. That’s nearly three times the house advantage of a standard game. This turns one of the most player-friendly games into one that strongly favors the house.

Hidden in Plain Sight

Casinos often place 6:5 tables in convenient or high-traffic areas. These tables usually have lower minimum bets, which appeal to casual players. But the lower payout can silently eat away at your bankroll without you realizing it.

How to Spot and Avoid 6:5 Blackjack Tables

Casinos aren’t always upfront about the 6:5 payout. Sometimes it’s posted on the felt of the table, and other times it’s on a small sign you might easily overlook.

Look for the Payout Info

Before you sit down, look for a sign or ask the dealer what the blackjack payout is. If it’s 6:5, it’s best to walk away and find a table that offers 3:2.

Check the Table Minimums

Sometimes 3:2 tables have higher minimum bets. While it may be tempting to play at a $5 6:5 table, it’s often smarter to play fewer hands at a $10 3:2 table with better odds.

Know the Variations

Not all blackjack games are the same. Some versions come with rule changes that favor the house—like allowing the dealer to hit on soft 17 or limiting split options. Combine that with a 6:5 payout, and your chances drop fast.

Final Thoughts

At first glance, a 6:5 blackjack payout might not seem like a big deal. But the truth is, it gives the casino a much bigger edge while giving you less return for your best hand. It’s a sneaky way casinos make more money off unsuspecting players.

Always look for blackjack games that pay 3:2. It’s a small detail that makes a big difference in the long run. Whether you’re playing at a land-based casino or online, taking a few moments to check the payout structure can protect your bankroll and boost your chances of winning.

So next time you step up to the blackjack table, don’t just look at the cards—look at the math behind the game. Because when it comes to blackjack, the payout ratio isn’t just a number. It’s your edge—or your disadvantage.