Atlassino Academy · Blackjack · Lesson 8

Soft hands: the ace that can't bust you

The hands where an ace still counts as 11, and what to do with them when the rules let you double only on 9, 10 or 11.

  • About 13 minutes
  • Illustrated hosts: Leo and Maya
  • Last checked 4 November 2026

A soft hand is a hand where an ace counts 11 and can still drop to 1. The ace counts one or eleven, whichever suits the hand, so one card cannot take a soft hand over 21: at worst the ace steps down.

You are dealt an ace and a 7: soft 18. The dealer shows a 9. Do you stand on 18, or take a card?

The short answer

Soft 13 to 17: take a card, against every dealer card. Soft 18: stand against a 2 to 8, take a card against a 9, a 10 or an ace. Soft 19 and 20: stand. There is no double anywhere in these rows: at these tables a double is allowed only on two cards that make 9, 10 or 11.

Leo lays his palm over an ace of hearts beside a six of spades, with a ten of clubs and a seven of diamonds making the same total further along the felt, while Maya reads the second pair from the rail.
Leo smiling, explaining with an open hand.

Leoformer dealer · rules and maths

A soft hand is the one hand at the table you can draw to without fear of going over. The chart uses that: it keeps drawing to every soft total up to 17, and the only real decision is on 18.

What makes a hand soft

Put a 10 on a hard 17 and the hand is over 21. Put the same 10 on a soft 17 and the ace simply drops to 1: the hand becomes a hard 17 and is still in play. The table below shows every card you could take.

You take one card. Where does each seventeen land?
Your handThe card you take
A2345678910
A hard 17 — a 10 and a 71819202122 — over 21, hand lost23 — over 21, hand lost24 — over 21, hand lost25 — over 21, hand lost26 — over 21, hand lost27 — over 21, hand lost
A soft 17 — an ace and a 618192021121314151617

Each cell is where the hand lands after one card of that value; the jack, queen and king land where the 10 does. The hard 17 goes over 21 on every card from a 5 up; the soft 17 never does. A soft 17 tops out at 21 with one card.

The soft rows of the chart

Six decks · the dealer stands on every 17 · double on 9, 10 or 11 only · house edge 0.36% with the full chart

Soft hands, rules of the SCJ catalogue
Soft2345678910A
A,2HHHHHHHHHH
A,3HHHHHHHHHH
A,4HHHHHHHHHH
A,5HHHHHHHHHH
A,6HHHHHHHHHH
A,7SSSSSSSHHH
A,8SSSSSSSSSS
A,9SSSSSSSSSS
  • Sstand
  • Htake a card

Soft 13 to 17: take a card, against every dealer card. None of these totals is worth keeping, and the next card cannot break the hand.

Soft 18: it depends on the dealer’s card. Stand against a 2 to 8, take a card against a 9, a 10 or an ace.

Soft 19 and 20: stand, against every dealer card.

Dealer shows
66
101066
A 10 and a 6: a hard 16. The hard-totals chart answers this hand, and against a 6 it says stand: a card from a 6 up would take the hand over 21.
AA55
An ace and a 5: a soft 16. The soft-hands chart answers this hand, and against a 6 it says take a card: no card can take it over 21.

Here is the same chart, row by row, in words:

  • A,2 (soft 13): against 2 to ace, take a card.
  • A,3 (soft 14): against 2 to ace, take a card.
  • A,4 (soft 15): against 2 to ace, take a card.
  • A,5 (soft 16): against 2 to ace, take a card.
  • A,6 (soft 17): against 2 to ace, take a card.
  • A,7 (soft 18): against 2 to 8, stand; against 9 to ace, take a card.
  • A,8 (soft 19): against 2 to ace, stand.
  • A,9 (soft 20): against 2 to ace, stand.

Soft 18, the row that turns

Eighteen feels like a hand to keep, and against most dealer cards it is. Against a 9, a 10 or an ace it is not: against those three cards the dealer finishes above 18 often enough that taking a card, which cannot take a soft 18 over 21, does better on average than standing.

An ace and a 7, soft 18, on an example bet of 10 units: the average result of each move
Dealer showsStand on 18Take a cardThe chart says
an 8+1.08 units+0.41 unitsStand
a 9−1.83 units−0.98 unitsTake a card
a 10−2.41 units−2.07 unitsTake a card
an ace−3.80 units−3.76 unitsTake a card

Amounts are averages per hand for an example bet of 10 units, an example and not a suggested bet. Amounts are in betting units, not pesos: a unit can stand for any amount, and the arithmetic is the same at any scale. A plus sign is an average over many hands; any one hand can still lose.

Why there is no double here

The catalogue allows a double when your first two cards make 9, 10 or 11, for the same amount as your first bet, and the double buys exactly one card. The chart reads a soft hand with its ace counted 11 — an ace and a 6 is a soft 17 — so its soft rows take a card or stand, and never double. Where the chart does double, on hard 9, 10 and 11, is the doubling lesson.

The ace that comes later

An ace you draw later counts the same way: 11 while that keeps the hand at 21 or under, and 1 after that. A 2, a 5 and an ace is a soft 18 like an ace and a 7, and it reads off the same row of the chart. The moment a card would take the ace past 21, the hand turns hard, and the hard-totals chart in the previous lesson answers it from there.

No amounts are shown for hands of three cards: our figures are worked out for two-card hands.

What a wrong call costs

Amounts are for an example bet of 10 units; at twice the bet, twice the cost.

Standing too soon

An ace and a 6 against a 10, kept

2.08 units

each time you stand on a soft 17 against a 10 instead of taking a card. Against a 6, 1.17 units.

Fix: soft 17 or less, take a card.

Keeping 18 against a strong card

An ace and a 7 against a 10, kept

0.34 units

each time you stand on a soft 18 against a 10. Against a 9, 0.85 units; against an ace, 0.04 units.

Fix: soft 18 against a 9, a 10 or an ace, take a card.

The house keeps its edge; the chart only makes it smaller. Play every cell of the chart and these rules still leave the house 0.36% of every bet.

At the table, with Maya

  • Nothing to announce. The ace counts one or eleven as it suits the hand; you do not declare it.
  • Every card is face up. The dealer has one card on the table while you play, and the second comes after the players.
Maya with a hand on her chest, speaking gently and seriously.

Mayaformer floor supervisor · manners, money and breaks

A soft hand that keeps drawing can make a hand feel long, and a long hand can make an evening feel like it owes you something. It does not. Decide your time and your money before you sit down, and keep to them. If the money starts to feel like money you need, stop for the evening.

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.

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

Practice table

Two levels: first a soft hand on the two cards you are dealt, then a soft hand of three cards with the ace drawn third. Every answer is a cell of the chart for these rules, read from the engine, and the only moves are to stand or to take a card: the soft rows hold no double. Amounts are for an example bet of 10 units, an example and not a suggested bet; hands of three cards carry no amount.

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

Dealer shows a 4

44

You

Your hand an ace and a 4

AA44

You are dealt an ace and a 4: soft 15. The dealer shows a 4. What does the chart say?

  • Stand on 15 Standing on a soft 15 against a 4 costs 2.63 units a hand against taking a card, and one card cannot take a soft hand over 21.
  • Take a card — the chart’s move Yes. One card cannot take a soft 15 over 21: at worst the ace steps down to 1. Against a 4 standing would cost 2.63 units a hand.

On a soft 15 against a 4 the chart says take a card: standing averages −2.04 units a hand, taking a card +0.59 units. There is no double on a soft hand at these tables.

How the practice table works

One strip, no rounds. Every square on the strip is one hand of this lesson, and they are all there from the start. The square keeps your first answer; when a level’s squares are full the next level begins by itself.

Levels. Level 1: an ace and a 2 to 9 as your first two cards, against the dealer’s card. Level 2: soft hands of three cards, with the ace as the third card.

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 6. The dealer shows a 10. What does the chart say?

Show the answer

Answer: Take a card. A soft 17 against a 10 is too little to stand on, and with the ace able to drop to 1 the next card cannot break the hand.

  • Stand on 17 Seventeen is too little against a 10, and one card cannot take a soft 17 over 21. Standing costs 2.08 units a hand against taking a card.
  • Take a card Right. The ace can still drop to 1, so the card cannot break the hand, and against a 10 a 17 is too little to stand on.
  • Double: a soft 17 is a doubling hand Not at these tables. The rules allow a double only on two cards that make 9, 10 or 11, and the chart counts this hand as a soft 17.
2You are dealt an ace and a 7. The dealer shows a 9. What does the chart say?

Show the answer

Answer: Take a card. A soft 18 is the one soft row that changes its answer across the dealer’s cards: stand against a 2 to 8, take a card against a 9, a 10 or an ace.

  • Stand on 18 Eighteen looks safe, but against a 9 it does worse standing than drawing: −1.83 units a hand against −0.98 units.
  • Take a card Right. One card cannot take a soft 18 over 21, and against a 9 the chart draws.
3You are dealt an ace and a 7. The dealer shows a 2. What does the chart say?

Show the answer

Answer: Stand on 18. Against a weak dealer card an 18 is worth keeping, and the card that cannot break the hand still cannot improve it on average.

  • Take a card: the ace protects you The card cannot break the hand, but against a 2 it is still not worth taking: it costs 0.61 units a hand against standing.
  • Stand on 18 Right. Against a 2 a soft 18 is a total the chart keeps; taking a card costs 0.61 units a hand.
4You held a 2 and a 5, took a card, and it is an ace: soft 18. The dealer shows a 9. What now?

Show the answer

Answer: Take a card. A soft hand of three cards reads off the same soft rows. No amount is shown for a hand of three cards: our figures are worked out for two-card hands.

  • Stand on 18 Against a 9 the chart takes a card on a soft 18, however many cards made it.
  • Take a card Right. The ace came as your third card and still counts 11, so this is a soft 18: one card cannot take it over 21, and against a 9 the chart draws.
5You were dealt an ace and a 6, took a card, and it is a 10. What is the hand, and what now? new situation

Show the answer

Answer: Stand: the ace now counts 1, and this is a hard 17. The ace counts 1 from here on, so the hand is a hard 17 and the hard-totals chart answers it: stand. A soft hand turns hard the moment its ace can no longer count 11.

  • Stand: the ace now counts 1, and this is a hard 17 Right. Counted 11 the ace would take the hand to 27, so it counts 1: a 6, a 10 and an ace make a hard 17, and the hard-totals chart stands on every 17.
  • Take a card: it is still a soft hand A hand is soft only while its ace can still count 11 without going over 21. With a 6 and a 10 beside it, the ace has to count 1.
  • Double: the hand has three cards now A double is made on your first two cards only, and on 9, 10 or 11.

And the question we opened with

An ace and a 7 against a 9: take a card. Standing averages −1.83 units a hand on an example bet of 10 units, taking a card −0.98 units.

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

Rules. The figures on this page follow the rules the SCJ sets out for blackjack in its national catalogue of games: six decks, the dealer standing on every 17, a double on two cards that make 9, 10 or 11, surrender for half the bet except against an ace, and every card dealt face up, with the dealer’s second card dealt after the players. Whether an ace and an 8, or an ace and a 9, counted with the ace as one, may be doubled as a 9 or a 10, the catalogue does not say; the chart counts them as a soft 19 and a soft 20. What a dealer blackjack takes from a double or a split the catalogue does not say either; the house edge assumes it takes every bet on the hand. It is a preset for learning, not a statement about any one casino.

Numbers. Every figure is worked out when the page is built, by our blackjack engine. A cost is the difference of two averages for an example bet of 10 units, each rounded to the hundredth first. The landing totals are card arithmetic. The averages are worked out for two-card hands, so hands of three cards carry no amount.

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. The chart lowers the price of playing; nothing on this page removes that price or tells you how an evening will end.

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