Atlassino Academy · Blackjack · Lesson 11

One catalogue, three blackjacks

Chile’s catalogue of games has three blackjacks — Black Jack, Challenge 21 and Canal 21 — under one name and three sets of rules: what changes, and what it does to the price.

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

Three tables in the same room all deal blackjack: one says Black Jack, one Challenge 21, one Canal 21. Is it the same game at the same price?

The short answer

No. The catalogue of games has three blackjacks under one name. Black Jack is dealt from six decks, and the dealer stops on every 17. Challenge 21 is dealt from eight, and your one hand plays against two or three dealer hands at once. Canal 21 is dealt from four, the dealer takes a card on a soft 17, and an ace and a 10 on two cards is paid 1 to 1 instead of 3 to 2 — and it adds options and prizes the other two do not have. Our engine prices Black Jack at 0.36% of every bet; the other two games it cannot price as a whole.

Leo smiling, explaining with an open hand.

Leoformer dealer · rules and maths

In Chile the rules of a blackjack table do not change from casino to casino: the Superintendencia de Casinos de Juego (SCJ) writes them once, for every room. What changes is the game. There are three of them, and the word blackjack alone does not tell you which one you are sitting at.

Three games under one name

The regulator lists one card game called blackjack, with three modalities: Black Jack (also called Veintiuno), Challenge 21 and Canal 21. At Black Jack your hand plays against one dealer hand; at Challenge 21 against three, with at least two bets and at most three; Canal 21 adds rules that let you make more bets and earn extra prizes.

Three blackjacks, one catalogueThe rules the Superintendencia de Casinos de Juego (SCJ) sets for each game, in every casino in Chile
The ruleBlack JackChallenge 21Canal 21
Decks in the shoeSix.Eight.Four.
Your hand plays againstOne dealer hand. You may play up to two hands a round.Two or three dealer hands, all started from the dealer’s same first card. At least two bets, three at most.One dealer hand.
The dealer on a soft 17Stands.Stands.Takes a card.
An ace and a 10 on two cardsBlackjack, paid 3 to 2.Blackjack, paid 3 to 2.Canal 21, paid 1 to 1.
DoublingOn a two-card 9, 10 or 11, for the same amount, one card.On a two-card 9, 10 or 11, split hands included.On any two-card total under 21, for anything from the table minimum up to your bet, one card.
SplittingUp to four hands; split aces once, one card each.Up to four hands; split aces once, one card each.No limit; a new pair of aces may be split again, one card on each.
The retiroHalf the bet, after two cards; not against an ace.Half the bet, after two cards; not against an ace.Half the bet on that hand, after two cards, and also on a split hand after its first card. The Canal 21 rules do not repeat the exception for an ace.
InsuranceAgainst an ace, up to half the bet, paid 2 to 1.Up to half the bet on each dealer hand you insure, paid 2 to 1 if that hand is a blackjack.Against an ace, paid 2 to 1; against a 10 or a face card, paid 10 to 1; up to half the bet.
ExtrasThe Perfect Pairs side bet, at tables with its box.—Bonuses for three of a kind and a three-card straight flush; the desempate when you and the dealer both have 21.

Every cell carries the catalogue’s own sentence, in Spanish, with the section and the date we read it. In all three games every card is dealt face up. A Black Jack round step by step has a lesson of its own: One round, every card face up, and so do the moves: Hit, stand, double, split, retiro.

How to tell the tables apart

The cloth tells you. A table may deal Canal 21 only when its cloth shows two phrases: “Canal 21 paga 1 a 1” and “La banca pide con 16 y 17 suave, se planta con 17”. A Challenge 21 table has three betting spots marked for every player, so that each of your bets meets its own dealer hand, and seats up to six players. A Black Jack table with the Perfect Pairs box on the cloth deals that side bet as well. The side bet has a lesson of its own: Side bets: the price per hour.

Challenge 21: one hand, two or three bets

At Challenge 21 you make at least two bets and may make a third, and each bet meets its own dealer hand. The dealer plays the first hand, keeps the first card, and builds the next house hand on that same card, round after round.

Your hand is dealt only once. You decide how to play it in the first round — hit, stand, double, split or the retiro — and that decision holds for every round. And it is used for every round only while it stays at 21 or under: when it goes over, the dealer takes all two or three bets at once.

Leo raising one finger, thinking something through.

Leoformer dealer · rules and maths

Two or three bets on one hand is not two or three chances. It is the same decision, made once, with two or three times the money behind it — and one card over 21 takes all of it.

We do not put a price on Challenge 21. The two or three dealer hands start from the same card, so they do not end independently of one another, and our engine prices a hand against one dealer hand only. A figure from it would be the price of another game.

Canal 21: more options, a smaller payment for 21

Canal 21 gives the player options the other two games do not. You may double on any two-card total under 21, for anything from the table minimum up to your bet; split pairs without limit, aces included; insure against a 10 or a face card as well as an ace, at 10 to 1; take the retiro on a split hand too. A hand of three of a kind, or a three-card straight flush, earns a bonus on the original bet — 20 to 1 for three 7s of one suit, 5 to 1 for three 7s of mixed suits, 3 to 1 for any other three of a kind or a three-card straight flush.

It also takes things away. An ace and a 10 on two cards is paid 1 to 1, and the dealer takes a card on a soft 17. When the dealer makes Canal 21 and nobody has 21, no bet is paid. When you do have 21 against it, the dealer offers the desempate: decline, and your bet is void; accept, and you put down a second bet equal to the first, and you and the dealer get one card each — the higher card keeps both bets and is paid 1 to 1, the same value is paid 3 to 2, and a lower card loses both bets.

What the differences do to the price

Our engine prices one of the three games: Black Jack, played by the chart for its rules, leaves the house 0.36% of every bet. It cannot price Canal 21 as a whole — the bonuses, the desempate, the 10 to 1 insurance, unlimited splits and the double for less are outside it. What it can do is take the Black Jack rules and change one of them at a time to the Canal 21 rule.

One Canal 21 rule at a time, on a Black Jack tableThe house’s share of every bet, played by the chart, worked out by our engine
The Black Jack rulesThe house keeps
As the catalogue sets them0.36%
… with a blackjack paid 1 to 12.63%
… with the dealer taking a card on a soft 170.58%
… with four decks instead of six0.32%

Each row changes one rule and keeps the rest of the Black Jack rules. The rows are not added up, and none of them is the price of Canal 21.

The biggest of the three is the payment. A two-card 21 comes on about 4.7% of hands from a six-deck shoe and 4.8% from four, and paying it 1 to 1 instead of 3 to 2 adds 2.27% to the house’s share of every bet on the Black Jack rules. The dealer taking a card on a soft 17 adds 0.22%. Four decks instead of six moves the share the other way, to 0.32%. Whether Canal 21’s extra options give back more than its payment takes, we cannot say — and a guess at the table cannot say either.

At the table, with Maya

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

Mayaformer floor supervisor · manners, money and breaks

Bonuses and extra bets make a table feel generous. They are still bets, made out of the same money you brought. Decide how much the evening gets before you sit down, whichever of the three tables you choose, and stop when it is gone.

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.

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

Practice: same hand, three tables

Ten moments, each at a table of one of the three games, named above the cards. Some come in pairs: the same cards at a Black Jack table and at a Canal 21 table, and a different answer. Nothing here is scored: it is a reference in the shape of a hand.

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

Canal 21 · four decks · “Canal 21 paga 1 a 1” on the cloth

Dealer

77

You

AAKKK

The same ace and king against a 7, at a Canal 21 table. How is the hand paid?

The answer: 1 to 1.

One to one. At a Canal 21 table the two-card 21 is called Canal 21, and it is paid like any other hand above the dealer’s. On the Black Jack rules, that one change would raise the house’s share from 0.36% to 2.63% of every bet.

Si el jugador hace Canal 21 1 a 1 (a la par) 1a1 1a1

Free translation: If the player gets Canal 21 1 to 1 (even money) 1a1 1a1

“Canal 21 paga 1 a 1”

Free translation: “Canal 21 pays 1 to 1”

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, 1.5.3 Canal 21, Pago de apuestas, a) General · read

The other moments work the same way: one moment at a table of one of the three games, and the line of the catalogue that settles it.

How the practice works

The moments. All ten are fixed, not dealt: each one is a rule where one game parts from another. The figures among them come from the same engine as the table on this page, on the Black Jack rules.

No score. There is no round to pass and no threshold. Your answers stay in this browser, and nothing is sent anywhere.

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.

1At which of the three tables is an ace and a king on your first two cards paid 1 to 1?

Show the answer

Answer: Canal 21. Canal 21. At Black Jack and Challenge 21 a blackjack is paid 3 to 2.

  • Challenge 21 Challenge 21 pays a blackjack 3 to 2, like Black Jack.
  • Canal 21 Right: Canal 21 pays a two-card 21 at 1 to 1, and the cloth says so.
  • Black Jack At a Black Jack table a blackjack is paid 3 to 2.
2Two tables in the same room, both dealing blackjack from a shoe. How can you tell which one is Canal 21?

Show the answer

Answer: The cloth: it must show “Canal 21 paga 1 a 1” and “La banca pide con 16 y 17 suave, se planta con 17”. A table may deal Canal 21 only when its cloth shows the phrases “Canal 21 paga 1 a 1” and “La banca pide con 16 y 17 suave, se planta con 17”.

  • The cloth: it must show “Canal 21 paga 1 a 1” and “La banca pide con 16 y 17 suave, se planta con 17” Right. Those two phrases on the cloth are the condition for playing Canal 21 at that table.
  • Count the decks in the shoe The three games do use different numbers of decks, but it is the cloth that the catalogue ties to Canal 21.
  • Nothing: the three games have the same rules They do not: the same name covers three sets of rules.
3At a Challenge 21 table your hand goes over 21. What does it lose?

Show the answer

Answer: Every bet on it, two or three. Your hand is used for all two or three rounds, and when it goes over 21 the dealer takes all its bets.

  • Every bet on it, two or three Right. Your one hand plays every round, so going over 21 loses every bet at once.
  • Only the bet of the first round The hand is used for every round; when it goes over 21, the dealer takes all its bets.
  • None until the dealer has played A hand over 21 is settled straight away, at Challenge 21 as at Black Jack.
4Take the Black Jack rules and change one thing: a blackjack paid 1 to 1, as at Canal 21. What happens to the house’s share?

Show the answer

Answer: The house keeps more: 2.63% instead of 0.36%. It rises from 0.36% to 2.63% of every bet, on our engine’s count. That is the price of one Canal 21 rule on a Black Jack table, not the price of Canal 21: the rest of that game is outside our engine.

  • The house keeps less: the player is paid sooner Paid sooner is not paid more. At 1 to 1 the same hand is paid less.
  • The house keeps more: 2.63% instead of 0.36% Right. A two-card 21 comes on about 4.7% of hands, and each one paid 1 to 1 instead of 3 to 2 gives half a bet back to the house.
  • Nothing changes: a blackjack is rare Rare is about 4.7% of hands — and half a bet on each of them adds 2.27% to the house’s share of every bet.
5You have a limit for the evening and three blackjack tables in front of you. What is the plan? new situation

Show the answer

Answer: Read the cloth first, and price the evening by the game you sit at. Read the cloth, know which of the three games you are sitting at, and keep the limit you set at the door whichever it is. The name on the sign is the same; the rules underneath are not.

  • Sit at Canal 21: it has bonuses, so it must cost less Its bonuses are real, and so is the blackjack paid 1 to 1 and the dealer drawing on a soft 17. We cannot price the whole game, and neither can a guess.
  • Sit at Challenge 21: more bets means more chances More bets on one hand means more money on one decision: a single bust loses all of them.
  • Read the cloth first, and price the evening by the game you sit at Right. Three games share the name, and the cloth says which one is dealt at that table.

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. Every rule on this page comes from the catalogue of games the Superintendencia de Casinos de Juego (SCJ) sets for every casino in Chile, section III.1, where each of the three games has its own rules: “Black Jack o Veintiuno”, Challenge 21 and Canal 21. Each button shows the catalogue’s own sentence, in Spanish, with the section and the date we read it. Where the Canal 21 rules leave out something the other two say — the retiro against an ace — the page says so and does not fill the gap. We do not say which games any particular room deals on any particular night.

Numbers. Every share is worked out when the page is built, by our blackjack engine, for Black Jack only: six decks, the dealer stopping on every 17, blackjack paid 3 to 2, a double on 9, 10 or 11, splits up to four hands, the retiro except against an ace. The catalogue does not say whether a dealer blackjack also takes a second bet or a split; the figures assume that it does, the costlier reading. Each other row of the price table changes one of those rules and nothing else. How often a two-card 21 comes is counted from a full shoe. Challenge 21 and Canal 21 are not priced at all.

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. All three games are played against the house. Nothing on this page says any of them can be played at no cost, or how an evening will end.

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