# 3:2 vs. 6:5 Blackjack Payout Comparison

BetMGM Feb 16, 2024, 11:46 AM

Blackjack is a thrilling and timeless card game enjoyed by players of all skill levels. Itâ€™s one of the most popular online casino games, with multiple variations to choose from. The main drawcard of the game is the ability to use skill and strategy to make decisions based on odds and probability, giving you greater control over the outcome compared to other chance-based games like slots and roulette.

The blackjack variant you decide to play can influence payouts and odds of winning significantly. To ensure that youâ€™re playing the variant that provides the best experience from a playerâ€™s perspective, you must have a clear understanding of odds, payouts, and strategy charts.

Two of the main variants of blackjack payouts are 3:2 and 6:5. If you compare 3:2 and 6:5 blackjack table games, youâ€™ll notice several differences that all play a part in the gameâ€™s outcome. So, which variant delivers maximum enjoyment and satisfaction? Starting with a breakdown of each payout type, take a look at all the factors relevant to your gameplay experience.

## Payout Ratios Explained

3:2 and 6:5 refer to the payout ratio for blackjack. For example, if you play blackjack with a payout of 3 to 2, you get \$3 for every \$2 bet that hits blackjack (21). 6:5 blackjack follows the same logic, with \$6 paid out for every \$5 bet hitting 21.Â

While itâ€™s easy to demonstrate the payout ratio with low bets like \$2 and \$5, the difference between the ratios is crucial. If the ratios are simplified further, 3:2 becomes 1.5:1, and 6:5 becomes 1.2:1. If you apply basic blackjack strategy with each ratio, the payouts of 3:2 blackjack can potentially provide greater returns for the player.

The difference of 0.3 might not seem like much at first, but it has a significant impact on larger bets and long-term profitability for both the casino and the players. Another factor to consider is how the payout ratio affects the house edge. The payout rule has the most significant effect on the theoretical house edge.Â

If youâ€™re playing optimally in a standard game with eight decks, the dealer standing on soft 17, and the ability to double up on any two cards, a 6 to 5 blackjack payout chart ends up with a house edge of approximately 1.77%. Using the same table rules and playing a perfect strategy, the house edge for 3:2 blackjack is much lower at 0.41%.

Plenty of factors can influence the gameâ€™s outcome, but you should always go for games with a lower house edge, no matter how small the difference is. Of course, depending on the format youâ€™re playing, you may not get the luxury of choice.

## Comparing Blackjack Formats

Before you join any blackjack game, whether itâ€™s an online or live dealer table, take note of the rules and odds so you know what youâ€™re getting into. Many players mistakenly assume that just because a number is bigger, it must be better, but itâ€™s clear from the example above that 6:5 blackjack pays less, ultimately leading to you losing out on winnings over time.

Most land-based casinos prefer 6:5 blackjack as it leads to higher profitability for the operator. 3:2 tables tend to be reserved for high-stakes games, where you must bet at least \$100 per hand. To be clear, thereâ€™s nothing wrong with this preference, but it does leave you at a disadvantage if you want to play low-limit games.Â

While itâ€™s not impossible to find 3:2 tables on the casino floor, you have a much better chance of finding 3:2 games when you play online. Online casinos offer a wider variety of blackjack options, catering to players of all budgets and preferences. There are two online formats to choose from: online blackjack and live dealer blackjack.

Online blackjack uses random number generators (RNGs) to emulate the real deal. The experience is entirely virtual and highly convenient for players. Live dealer online casino games combine the realism of brick-and-mortar tables with the convenience of online games, ensuring you can experience the best of both worlds.Â

When you play blackjack online for real money, choose 3:2 payout ratios to get the most bang for your buck. Play with a basic blackjack strategy to keep the house edge as low as possible, and remember that several factors can impact your success rate â€” from payout ratios and the number of decks used to whether the dealer hits or stands on soft 17.

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