Can You Get a Five-Card Trick in Blackjack?

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BetMGM Sep 29, 2023, 2:09 PM

Blackjack, a staple at any physical or online casino, is a game of both skill and chance that has captivated players for generations. While the goal of reaching 21 in blackjack is well known, there’s another exciting aspect that spices up the game — the five-card trick.

The five-card trick, also known as the five-card Charlie, is a unique hand that can significantly shift the odds in your favor, even when playing live dealer blackjack.

So, whether you’re a seasoned veteran or a newcomer to the virtual green felt, this guide covers the intricacies of the five-card rule, discussing its nuances across various blackjack variations and the odds of achieving this elusive hand.

Understanding the Blackjack Five-Card Rule

Players are always looking for ways to win in the competitive world of blackjack. The five-card rule presents an intriguing element to add to your strategy.

Put simply, a five-card trick in blackjack is when a player is dealt five cards that add up to 21 or less without exceeding it. This can happen even if the dealer has a higher hand of 21.

Perhaps you’re playing a round of online blackjack with a live dealer. The dealer distributes the cards, and you receive a 2, 3, 5, 4, and 7. Even though none of these cards are face or picture cards, and you didn’t hit the coveted 21, you’ve got a five-card Charlie. This means your hand totals 21 with five cards, without busting — giving you the advantage.

How Is a Standard Hand Different From a Five-Card Charlie?

A standard blackjack hand involves any number of cards that equate to 21 or less. The game’s primary goal is to either reach a total closer to 21 than the dealer’s hand without exceeding it, or to let the dealer draw additional cards until their hand exceeds 21.

The biggest difference between a standard hand and a five-card hand comes down to the number of cards in play. A five-card Charlie specifically requires five cards in your winning hand that total 21 or less, a feat that’s understandably more challenging and less likely than achieving a standard 21 with fewer cards.

The Five-Card Rule in Different Blackjack Variations

Depending on the variation of blackjack, the five-card hand can play out in distinct ways. In the traditional game, often described as classic blackjack, the five-card rule may not always apply.

But in Blackjack Switch, achieving a five-card Charlie can lead to payout odds of +100, regardless of the dealer’s hand. On the other hand, Double Attack Blackjack offers more generous payout odds of +500. Spanish 21, another popular variant in online casino games, also rewards players for achieving a five-card Charlie, paying out even money no matter the dealer’s outcome.

Before placing any bets with a live dealer, it’s important to familiarize yourself with the specific house rules of the online casino or the variation of blackjack you’re playing. Understanding the rules is crucial as it can impact the applicability and payout of a five-card trick.

The Odds of Drawing a Five-Card Trick

The odds of drawing five cards without busting are approximately +129,770 — or once in every 1,300 hands — assuming an eight-deck game and liberal rules where the player might double after a split and could draw to split aces.

So, while the potential payoff of achieving a five-card Charlie is significant, it’s a rarity, and players shouldn‘t base their strategy solely around this goal. Instead, it should be seen as an exciting bonus in the course of standard play.

Does a Five-Card Trick Beat a Traditional Blackjack Hand of 21?

The answer to this depends on the specific rules of the game you’re playing. Generally, in many blackjack variations, a five-card trick does not beat a traditional blackjack hand of 21. The standard rule is that nothing beats a hand of 21, including a five-card Charlie.

But there are exceptions. Some online casinos have rules that favor a five-card hand over a traditional blackjack hand of 21. So, while it’s not a universal rule, there can be special circumstances where a five-card trick is indeed the winning hand.

Splitting 8s and The Five Card Rule

An interesting part of blackjack strategy is the concept of splitting 8s. When a player is dealt two 8s, conventional wisdom dictates that they should split them into two separate hands. This decision is made to turn a very weak starting hand into two stronger ones.

But what does this have to do with achieving a five-card Charlie? Well, if a player splits their 8s and subsequently draws three additional cards on one or both of these hands without busting, they have achieved a five-card trick.

As always, the decision to split or not should be based on the overall game strategy and rules of the specific online casino or live dealer blackjack game you’re playing.

Try Your Blackjack Luck With BetMGM

Now that you know more about the elusive five-card trick, the next step is to put your knowledge to the test. As the saying goes, “Fortune favors the prepared mind.”

BetMGM offers a variety of blackjack games, some with unique twists on the traditional rules. Take on the challenge of hunting for a five-card Charlie from the comfort of your own home.

Register today to join a vibrant community of online blackjack enthusiasts.

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Our BetMGM editors and authors are casino experts with a wealth of knowledge of the online casino industry at all levels. Their coverage includes company news, game reviews, how-to instructional articles, strategy guides, and editorials showcasing BetMGM’s superior product and game library.

Our BetMGM editors and authors are casino experts with a wealth of knowledge of the online casino industry at all levels. Their coverage includes company news, game reviews, how-to instructional articles, strategy guides, and editorials showcasing BetMGM’s superior product and game library.