Atlassino Academy · Blackjack · Lesson 1

Card values, soft and hard hands

The first thing a table asks you to know: what your cards add up to, and whether the ace among them can still be eleven.

  • About 14 minutes
  • Illustrated hosts: Leo and Maya
  • Last checked 4 November 2026

You do not need to know anything about blackjack yet. How a round is played, who acts first and what the moves are all come later. Today you only count: what your cards add up to, and what the hand you are holding is called. Never sat at a table? Joining a table in the first-visit track shows you how.

You are dealt an ace and a six. What is the hand worth?

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The short answer

An ace counts 1 or 11, whichever suits the hand. A jack, a queen and a king count ten; every other card counts the number printed on it. While an ace can still be eleven without taking the hand over 21, the hand is soft and has two totals at once; otherwise the hand is hard and has one total. A blackjack is 21 on your first two cards, an ace and a ten-value card, and no other 21 is a blackjack.

Leo leans over a green table and touches the edge of the left of two cards lying face up on the felt — one diamond alone on that card, eight spades on the other — while Maya reads them from the rail beside him.
Leo smiling, explaining with an open hand.

Leoformer dealer · rules and maths

I dealt this game before I taught it, and the quietest mistake at a table looks like this: the player makes the right move for a hand he is not holding. Every decision in blackjack is a decision about a number, so the number has to be the right one before anything else.

What each card is worth

You are trying to reach 21 or come close to it without going over, and you are playing against the dealer’s hand, not to reach 21 as such. The whole game sits in that one sentence, so the first skill to have is adding up the cards in your hand, quickly and without a mistake.

Cards 2 to 10 count the number printed on them

22
2
33
3
44
4
55
5
66
6
77
7
88
8
99
9
1010
10

A jack, a queen and a king count ten, all three of them

JJJ
10
QQQ
10
KKK
10

The picture on the card is different; the value of the card is not.

An ace counts 1 or 11, whichever suits the hand

AA
1 or 11

Cards come out of a shoe (the box the dealer deals from, holding several decks shuffled together) of 6 decks, and four of the thirteen kinds put ten on your hand: 30.8% of the cards in the box.

The ace: two numbers at once

The ace is the only card with two values: one or eleven, whichever suits the player or the dealer. There is nothing to announce: an ace that can still be eleven without taking the hand over 21 gives the hand two totals at once; once eleven no longer fits, the ace is one and the hand has one total. The words for the two cases are soft and hard, and the test is one question, the eleven question:

  1. Step 1Count the ace as one and add the hand up.An ace and a six: 1 + 6 is 7.
  2. Step 2Add ten to that total.7 + 10 is 17.
  3. Step 3Is the new total 21 or under?Yes: the ace can be eleven, the hand has two totals, and the hand is soft. No: the ace is one, the hand has one total, and the hand is hard.

Soft

AA66
7 or 17

An ace and a six. With the ace at eleven the hand is 17, inside 21: two totals.

Hard, no ace

101077
17

A ten and a seven. No card in the hand has two values: one total.

Hard, with an ace

101066AA
17

A ten and a six, then an ace. With the ace at eleven the hand would be 27: the ace is one, and the hand has one total.

About one starting hand in 7 has an ace in it, so you will be asking the eleven question often.

When a soft hand turns hard

Every new card asks the eleven question again. Nobody at the table announces that the hand has turned hard; noticing that the ace has dropped to one is your job.

Before the card

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7 or 17

A soft 17.

A three comes

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10 or 20

Still soft: 11 + 6 + 3 is 20, inside 21.

A ten comes

AA661010
17

Hard now: with the ace at eleven the hand would be 27, so the ace is one.

Two aces never both count eleven: 11 + 11 is already 22. However many aces a hand holds, at most one of them is eleven.

Blackjack, and what is not one

One hand at this table has a name of its own: the blackjack (twenty-one on your first two cards: the one hand a table pays at a rate of its own). A blackjack is an ace and a ten-value card as your first two cards: 21 on two cards.

A blackjack

AAKKK
Paid 3 to 2

The ace counts eleven and the king counts ten: 21 on the first two cards.

21 on three cards

55661010
Paid 1 to 1

Five, six and ten add up to 21, and three cards made it, so the hand is 21 and not a blackjack.

A blackjack is worth knowing on sight because of what it pays: any other higher hand is paid 1 to 1, and a blackjack 3 to 2.

What comes back in addition to your betThe rate is the same at any bet; the amount grows with the bet.
Your handPaid atBack, on an example bet of 10 units
Higher than the dealer’s hand1 to 110 units
A blackjack, when the dealer has no blackjack3 to 215 units
A blackjack against the dealer’s blackjackpush (a tie: your bet comes back and nothing is paid)nothing: your bet comes back
21 on three cards or more, or 21 after a split1 to 110 units

Twenty-one built from three cards or more pays the ordinary 1 to 1, and against a blackjack it is the lower hand: a dealer’s blackjack pays none of the bets, and against your blackjack the dealer can only tie.

Twenty-one on a split hand. An ace and a ten-value card on a hand made by splitting a pair is 21 on two cards, and it is still not a blackjack: it is paid like a 21 built from more cards, 1 to 1.

Two blackjacks. When your blackjack meets a dealer’s first card that is an ace, a ten or a face card, the dealer takes one more card, because the dealer can only tie you. A blackjack against the dealer’s blackjack is a tie, and your bet comes back.

What a misread costs

A misread is a move made for a hand you are not holding. Read a hard 17 with an ace in it as a soft 17, and you take a card on a hand that the chart stands on.

A hard 17 read as soft, against a 7

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3.69 units

a hand, on an example bet of 10 units: what taking another card costs against standing.

A hard 18 read as soft, against a 9

10104433AA
4.28 units

a hand, on an example bet of 10 units, for the same mistake.

Amounts are for an example bet of 10 units; at twice the bet, twice the cost. Amounts are in betting units, not pesos: a unit can stand for any amount, and the arithmetic is the same at any scale.

Even read correctly, every hand of the evening still costs: these rules leave the house 0.36% of every bet when every hand is played by the full chart. Reading the hand right keeps you from paying more than that.

Maya with a hand on her chest, speaking gently and seriously.

Mayaformer floor supervisor · manners, money and breaks

Counting right is the first skill, and a limit set before you sit down is the second. If the money on the table starts to feel like money you need, stop there and read the box below: it says where self-exclusion and the regulator are reached.

If it stops being fun

If gambling stops being fun, the SCJ self-exclusion applies in every casino in the country. Minimum entry age: 18 (age of majority under Law 19.221; Law 19.995 bars minors from gaming rooms). The casino may ask for an official ID. More on responsible gaming.

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+56 2 2589 3000All regions · Superintendencia de Casinos de Juego — Central Telefónica

Practice table

Four levels: two cards, one more card, more than one ace, and the dealer waiting with the price of a misread. Every answer is the reading of the cards on the felt.

The practice table needs JavaScript. Here is one hand from it, with the answer.

Level 2 · One more card

Blackjack · 6 decks, dealt from a shoe

A four and a two, then an ace. What do you hold?

The answer: A soft 17.

Count the ace as one first: 1 + 4 + 2 is 7. With the ace at eleven the hand is 17, still inside 21. Two totals, and the hand is soft.

En este juego las figuras valen diez puntos, el as un punto u once, según convenga al jugador o al croupier, y las otras cartas tienen su valor nominal.

Free translation: In this game the face cards are worth ten points, the ace one point or eleven, as suits the player or the dealer, and the other cards have their face value.

Superintendencia de Casinos de Juego (SCJ) · Catálogo de Juegos que podrán desarrollarse en los casinos de juego (texto de marzo 2023) · section III.1 Black Jack (modalidad Black Jack o Veintiuno); I. Cuestiones generales · read

Level 1 · Two cards

Blackjack · 6 decks, dealt from a shoe

An ace and a six. What do you hold?

The answer: A soft 17.

The ace counts one or eleven, whichever suits the hand. 1 + 6 is 7, and with the ace at eleven 17, still inside 21. Two totals at once, and the hand is soft.

En este juego las figuras valen diez puntos, el as un punto u once, según convenga al jugador o al croupier, y las otras cartas tienen su valor nominal.

Free translation: In this game the face cards are worth ten points, the ace one point or eleven, as suits the player or the dealer, and the other cards have their face value.

Superintendencia de Casinos de Juego (SCJ) · Catálogo de Juegos que podrán desarrollarse en los casinos de juego (texto de marzo 2023) · section III.1 Black Jack (modalidad Black Jack o Veintiuno); I. Cuestiones generales · read

Every hand is read the same way: add the cards, then ask whether an ace among them can still be eleven.

Check yourself

Maya with a finger raised and a knowing look.

Mayaformer floor supervisor · manners, money and breaks

Five quick ones. Pick an answer, then check it. No timer, no points: just whether it stuck.

A question marked “New situation” asks you to use the lesson on a case it did not show.

1You are dealt an ace and a six. What do you hold?

Show the answer

Answer: A soft 17: 7 or 17. Two totals at once, 7 and 17, because the ace can still be eleven without taking the hand past 21.

  • A hard 17 The ace in this hand can still be eleven or one, so the hand has two totals: soft.
  • A 7, and nothing else Half right: 7 is one of the two totals. Counting only the smaller one throws away the 17 you already hold.
  • A soft 17: 7 or 17 Right. 1 + 6 is 7, and with the ace at eleven 17, still inside 21: two totals at once.
2You hold a blackjack, and the dealer’s first card is a ten. The dealer’s second card is an ace. What happens to your bet?

Show the answer

Answer: Your bet comes back, and nothing is paid. A blackjack against a blackjack is a tie. Against any other hand of the dealer’s, your blackjack is the higher hand and is paid 3 to 2.

  • Your bet comes back, and nothing is paid Right. The dealer takes one more card only to see whether the hand ties yours, and a blackjack against a blackjack is a tie.
  • You are paid 3 to 2: yours came first The order of the deal settles nothing. Your blackjack and the dealer’s blackjack are the same hand, and the same hand against the same hand is a tie.
  • The dealer’s blackjack outranks yours A dealer’s blackjack outranks a 21 made of three cards or more. Against your blackjack the dealer’s blackjack is equal, and equal hands are a tie.
3You are dealt an ace and a king. What is that called?

Show the answer

Answer: A blackjack, paid 3 to 2. A blackjack: 21 on the first two cards.

  • A 21, paid 1 to 1 A 21 on three cards or more is paid 1 to 1. An ace and a king as your first two cards is a blackjack.
  • Nothing yet: the dealer still has to play The dealer’s hand decides whether you are paid, not what your hand is. An ace and a king as your first two cards is a blackjack whatever the dealer then does.
  • A blackjack, paid 3 to 2 Right: an ace and a ten-value card as your first two cards.
4You hold a ten and a six, and an ace comes. What do you hold?

Show the answer

Answer: A hard 17. Add the cards with the ace at one: 17. Then ask whether eleven still fits: 27 does not. One total, and the hand is hard.

  • 27, and over 21 The ace counts one when eleven would take the hand over 21: this hand is 17.
  • A hard 17 Right. 10 + 6 + 11 would be 27, so the ace was never eleven: one total, 17.
  • A soft 17 Soft means the ace can still be eleven, and here eleven would make 27.
5You hold an ace and a four. You take a card and it is an eight. What do you hold now? new situation

Show the answer

Answer: A hard 13. The same question after every card: can the ace still be eleven? After the eight it cannot, so the hand has one total and the hand is hard.

  • A hard 13 Right. 11 + 4 + 8 would be 23, so the ace drops to one: 1 + 4 + 8 is 13, one total.
  • 23, and over 21 The ace drops to one and saves the hand. A hand with an ace is over only when it is over with the ace at one.
  • A soft 13 A hand stays soft only while its ace can still be eleven. Here eleven would make 23.

And the question we opened with

An ace and a six: a soft 17, worth 7 or 17. The ace stays free to be eleven until a card takes the eleven away.

Where to play, and further reading

18+ across Chile · Play responsibly · the help box is further up this page

Further reading

How it’s worked out

Rules, numbers and hosts

Soft and hard. The two words are the trade’s words, and the definition on this page is ours: a hand is soft while an ace in it can count eleven without the hand going over 21, and hard otherwise. The catalogue of games gives the card values and the ace’s two values and defines no soft or hard hand for this game; the practice table reads every hand by this definition.

Rules. The decks, the 3 to 2 and the figures follow the national catalogue of games that the Superintendencia de Casinos de Juego (SCJ) sets for every casino in Chile: six decks, blackjack paid 3 to 2, the dealer standing on 17, and every card dealt face up. The catalogue does not say what a dealer blackjack takes from a double or a split; the house edge assumes the costlier reading, that it takes every bet on the hand. It is a preset for learning, not a statement about any one casino.

Numbers. The share of ten-value cards is card arithmetic on the shoe. A misread’s cost is worked out by our blackjack engine: the average result of the chart’s move minus that of the move made for the wrong hand, for an example bet of 10 units, each average rounded to the hundredth first. The house edge assumes the full chart and cards shuffled after every hand.

Hosts. Leo and Maya are illustrated characters. Their backstories, a former dealer and a former floor supervisor, are written for the course: neither is a real person, and neither speaks for any casino. The rules and numbers on this page come from the sources it cites, not from their experience.

No promise. Blackjack is played against the house. Reading your hand correctly keeps you from paying more than the game already costs; nothing on this page removes that cost or says how an evening will end.

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