The Best Side Bets for Blackjack

min read
BetMGM Jun 11, 2021, 6:27 AM
A keyboard with playing cards and casino chips.

Online blackjack is one of the most popular online casino games at many of the best online casinos and is also one of the best casino table games to play if you’re looking for great odds. But while it offers players great gameplay and excitement, sometimes we need more action than the base game can provide, and that’s where side bets come in. 

Blackjack is one of the few casino games that has a true and tested element of skill involved in playing, which gives players the chance to improve their gameplay through study and practice at the tables. Side bets take this a step further and give seasoned veterans of online blackjack the chance to increase the variance in the card game. This creates more opportunities to beat the odds and land some new and unique winning combinations. But before we get too excited about side bets, let’s find out a bit more about what they actually are. 

What are side bets in blackjack?

 A man plays blackjack at a casino table with a tablet, a pair of aces, and casino chips.

The answer is quite straightforward, and it’s also in the name: Side bets are optional bets that players can make during a game of blackjack in addition to your main bet. They cover a rule set that the standard rules don’t include, but are still based on play with your main hand, although they can sometimes involve hands other than your own.

Why play side bets?

Casinos and players both love a good side bet, as they can provide additional winnings in both directions – it’s basically opportunities for more bets across fewer hands of play, so while you have a chance to snag bigger wins, the casino has more chance of taking your extra bets. This point is worth keeping in mind in terms of managing your bankroll because while the payouts are typically quite enticing and far more generous than the typical main hand bets, the house edge is also greater. But we’re gambling here, and you’ve got to risk it to get the biscuit, so to speak. 

Side bets are also a way to increase or intensify the excitement, the fun, and the action in your blackjack games far beyond that of the standard game, which can become quite repetitive after a couple of dozen hands. As we mentioned already, part of that excitement is the potential for a bigger payout, at a slightly higher risk. 

Players trying to minimize their losses, and chase the best odds, typically stay away from side bets. But what’s gambling if not the willingness to take a risk now and then on a potentially big win?

The most common blackjack side bets

There are three common side bets that are typically played in blackjack, but besides these, there are many others that, despite not being as popular, can be extremely fun and add whole new elements of challenge and excitement to the game. For now, though, let’s focus on the three main side bets: Perfect pairs, insurance bets, and the 21+3 bet (also referred to as poker hands or rummy).

Let’s do a brief rundown of each of these side bets, how they work, and how they affect the game’s outcome. 

Perfect pairs

The name “perfect pairs” describes this side bet quite brilliantly. To make this bet, you’d simply place a wager on your first two cards being a pair (two cards of the same rank or value,) and your payout will be determined by the rank and suit of the pair. Since casino blackjack is typically played with more than one deck of cards (sometimes more than six decks in total,) there’s always a chance of getting two of the same card. 

A perfect pair, for example, would be two cards of identical rank and suit, such as two aces of spades or two jacks of clubs. A colored pair, as the name suggests, is a pair of cards that are the same color – for example, an ace of hearts and a queen of diamonds. Note that with a color pair, the suit doesn’t matter, only the color. Lastly, there is the black/red or “mixed” pair, which can be any two cards of any color, as long as the rank or value matches (such as a king of clubs and a king of hearts). 

A perfect pair will typically have a payout value of around 25:1, a colored pair would pay out around 12:1, and a mixed pair about 6:1, though these may differ, depending on the online casino you decide to play your side bets at. 


Green casino table with yellow detailing explaining blackjack rules and insurance bet payout values.

Insurance bets are played in many casino table games and are very common in high-stakes and online poker, but a blackjack insurance bet is only played when the dealer’s upcard (the card you can see face up in the dealer’s hand) is an ace. An insurance bet is typically half your initial wager, and if the dealer’s hand turns out to be a blackjack (equal to 21), then you’ll win with a 2:1 payout (depending on the rules at your online casino of choice). If the dealer misses on their blackjack, then you’ll lose on the insurance bet, but hopefully, your main bet holds up against their hand since they didn’t hit blackjack in the end – otherwise, you’re out of pocket on two bets instead of one. 

While this sounds like a pretty solid side bet and one that’s easy enough to understand, the general consensus among skilled blackjack players is that it’s not a good bet to put down – this is where the math comes in. There’s a 31.4% to 32.7% chance (depending on whether either of your cards has a value of 10) that the dealer’s hole card (the card that’s face down in the dealer’s hand) has a value of 10. This means the insurance bet is actually a losing proposition in that it’s banking on the less likely outcomes. 

The house edge with six decks of cards (which is typical for online casino blackjack games) is roughly 7.40% – unless you’re extremely skilled at counting cards – or you’re a computer! 


Do you know anything about poker? Now, we know this is meant to be about blackjack side bets, but imagine you could combine the rules for poker hands and blackjack into one wacky game of chance? The 21+3 side bet, otherwise known as poker hands or rummy, is exactly that. 

This side bet takes the concept of perfect pairs a step further by using not only your hand but also the dealer’s first upcard. These three cards can be combined to create five potential three-card poker hands, with the payouts determined by the value of each hand created.

The payouts for these types of bets are typically better than the perfect pairs side bets, and the hands are ranked as follows: 

  • Three-of-a-kind in the same suit – 100:1 
  • Straight flush – 40:1
  • Three-of-a-kind – 30:1
  • Straight – 10:1
  • Flush – 5:1

Now, it’s important to note that these payouts are estimates and may change depending on where you decide to play online blackjack and the rules that the online casino applies to its blackjack side bets. 

Get your blackjack side betting action at BetMGM

Now that you’re better versed in the most popular types of blackjack side bets, you can go and check out some of the more obscure, but potentially more fun, blackjack side bets. Or why not take your newfound knowledge to a real online casino and put it to the test?

Register at BetMGM, or download our casino games app, to gain access to some of the best online casino games, including blackjack, as well as our extremely popular and exciting live dealer blackjack tables, where your side bets can increase the fun and excitement even further. And when you’re done at the card tables, you can always explore our extensive range of online slots or even play a casino dice game – whatever floats your boat! 

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Our BetMGM editors and authors are sports experts with a wealth of knowledge of the sports industry at all levels. Their coverage includes sports news, previews and predictions, fun facts, and betting.

Our BetMGM editors and authors are sports experts with a wealth of knowledge of the sports industry at all levels. Their coverage includes sports news, previews and predictions, fun facts, and betting.