Atlassino Academy · Blackjack · Lesson 10

The whole chart and your printed card

Three tables on one page, and your own two cards decide which of them you read. The whole chart, the movement of the eye that finds one cell, and a card to print.

  • About 19 minutes
  • Illustrated hosts: Leo and Maya
  • Last checked 4 November 2026

Your two cards are an eight and an eight, the dealer shows a 6, and the chart in front of you has three tables printed on it. Which of the three do you read?

The short answer

Your own two cards decide which table you read, before you look at a single number. Two cards of equal value send you to the pairs table; an ace that can still count eleven sends you to the soft hands table; everything else is a hard total. In that table your own hand runs down the left-hand side and the dealer’s card runs across the row of headings above, and the letter in the cell where the two meet is the play.

8888
Eight and eightThe pairs tablePPut a second bet down and play the two cards as two hands.
AA55
Ace and fiveThe soft hands tableHTake another card.
101066
Ten and sixThe hard totals tableSTake no more cards.

All three hands above count sixteen, and all three are facing the same 6. The only thing that changed from picture to picture is which table the two cards belong to, and the play changed with it: split the pair of eights, take a card on the ace and five, stop on the ten and six. Splitting the eights puts a second bet on the felt, and that second bet can lose as readily as the first one.

Leo rests a finger on the smallest of three blank grids printed on a strategy card lying face up on the felt while his other hand opens toward a pair of eights beside it, and Maya stands at the right of the table looking down at those same two cards, with the dealer's ten of clubs across the felt.

Which of the three tables your cards send you to

A basic strategy chart looks like one big page of letters, and it is three tables stacked on that page. Nothing on it can be read until you know which of the three you are in, and what picks the table is not the total of your hand. It is what your two cards are.

  • Two cards of equal valueA pair, and the pairs table answers it. Two eights, two nines, two aces, or a king beside a ten: what matters is that the two cards are worth the same, not what they add up to.
  • An ace that can still count elevenA soft hand, and the soft hands table answers it. An ace and a five is a 6 or a 16, and one card cannot take it over 21.
  • Everything elseA hard total, and the hard totals table answers it: no ace at all, or an ace that has to count one.

Each of the three tests above is a test on the cards themselves, not on the number they add up to. That is why a count of sixteen can send you to any of the three tables, depending on which two cards made it.

A pair has a table of its own because it has a move of its own: a second bet, and the two cards played as two hands. That second bet can lose exactly as the first can. The pairs table is read only on the first two cards.

An ace is the other card that changes which table you are in, because an ace counts as one or as eleven, whichever suits the hand. While it can still count eleven without taking the hand past 21, the hand is soft, and the soft hands table answers it. The moment a card would take it past 21, the ace counts one, and the same hand moves to the hard totals table.

AA55
Two cardsSoft sixteenThe ace counts eleven for now, and the soft hands table answers. Against a 6 it says take a card.
AA5577
Then a sevenHard thirteenCounted eleven, the ace would take the hand to 23, so it counts one. The hand is a single total now, and the hard totals table answers it from here on.
8833
One hand after the eights are splitHard elevenSplitting leaves one of the eights in this hand, and the card it draws is a three, so the two cards in front of you are no longer of equal value and the hard totals table answers the eleven.
Leo smiling, explaining with an open hand.

Leoformer dealer · rules and maths

Table, then row, then column, in that order every time. The first of those three steps is the one people skip: they see sixteen, walk straight to the hard totals table, and never notice that the sixteen in front of them is a pair of eights or an ace and a five. If you make yourself name the hand out loud before you look anything up, you will not skip it.

The whole chart, printed here

Here are all three tables for the rules of the national catalogue of games: hard totals first, then soft hands, then pairs. Together they hold 280 cells, and a hand in front of you needs exactly one of them.

Hard totals, rules of the SCJ catalogue
Hard2345678910A
5–8HHHHHHHHHH
9HDhDhDhDhHHHHH
10DhDhDhDhDhDhDhDhHH
11DhDhDhDhDhDhDhDhHH
12HHSSSHHHHH
13SSSSSHHHHH
14SSSSSHHHRhH
15SSSSSHHHRhH
16SSSSSHHRhRhH
17+SSSSSSSSSS
Soft hands: an ace that can still count eleven
Soft2345678910A
A,2HHHHHHHHHH
A,3HHHHHHHHHH
A,4HHHHHHHHHH
A,5HHHHHHHHHH
A,6HHHHHHHHHH
A,7SSSSSSSHHH
A,8SSSSSSSSSS
A,9SSSSSSSSSS
Pairs: two cards of the same value, before you play them
Pair2345678910A
2,2PPPPPPHHHH
3,3PPPPPPHHHH
4,4HHHPPHHHHH
5,5DhDhDhDhDhDhDhDhHH
6,6PPPPPHHHHH
7,7PPPPPPHHRhH
8,8PPPPPPPPRhH
9,9PPPPPSPPSS
10,10SSSSSSSSSS
A,APPPPPPPPPH

A single letter is a single move. Two letters name two: the move the chart wants, then what to do if it is not available. A double is allowed only on two cards that make 9, 10 or 11, so the soft hands table has no double in it at all, and a 10 or an 11 made of three cards takes the second letter. Surrender gives up the hand for half the bet, on your first two cards and never against an ace, so a 16 made of three cards takes the second letter there too.

  • HTake another card.
  • STake no more cards.
  • DhDouble your bet and take one card. If the table will not let you double this hand, take a card instead.
  • RhSurrender: give up the hand for half your bet. If the table will not let you surrender this hand, take a card instead.
  • PPut a second bet down and play the two cards as two hands.

Finding the one cell you need

  1. Name the hand. A pair of equal value, a hand with an ace that can still count eleven, or a total. That names the table.
  2. Run down the left-hand side until you reach your own hand, and stop on that row.
  3. Run along that row to the column headed by the dealer’s card, and read the letter where the row and the column meet.

A row read without its column gives a wrong answer out of a right table. A hand has no play of its own; it only has a play against the card the dealer is showing.

The pairs table, the row for a pair of eights, the column for a 6
Pair2345678910A
8,8PPPPPPPPRhH

Nine of the ten cells in the row belong to other dealer cards. The same pair of eights against a 10 reads Rh, surrender, and against an ace H, take a card: the dealer’s second card is dealt only after you play, and a blackjack made with it could take the second bet too.

What a cell settles, and what it does not

The letter in a cell is the play that comes out ahead on average over every hand of that one pairing — your hand against that dealer card. It is not a reading of the two cards lying in front of you, and it cannot be: the chart was worked out before those cards were dealt and knows nothing about them.

Played by every row of all three tables, these rules still leave the house 0.36% of every bet on average. The house keeps its edge; the chart only makes it smaller. What following the chart does is reduce the house advantage and the cost of playing; what it cannot do is settle how a hand, or an evening, comes out.

What reading the wrong table costs, on average, each time the hand comes round
Your two cards, and the dealer’s cardWhat that hand’s own table saysRead as a different hand insteadCosts each time
Eight and eight against a 6Split the pairRead as a hard sixteen, and take no more cards5.63 units
Ace and five against a 6Take a cardRead as a hard sixteen, and take no more cards2.48 units
Nine and nine against an 8Split the pairRead as a hard eighteen, and take no more cards1.31 units

Each row above is one hand read in the wrong table, and the last column is the difference between the two plays, averaged over many hands of that pairing, for an example bet of 10 units — an example, not a suggested bet. The price is not the same in every row, and that is where to spend your attention: the three tables are not equally forgiving.

The card you carry to the table

None of this has to be carried in your head. The card further down this page holds all three tables and is made to be printed; keep it open on your phone instead if that is easier. The catalogue says nothing about a printed card at the table, either way: ask before you put one on the felt. What it does say is that nobody may play your hand for you, and nobody may interfere in your decisions on it.

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

Mayaformer floor supervisor · manners, money and breaks

Decide how much money the evening gets and how long it runs before you sit down, and stop when either one is used up. A run of losing hands is not a debt the table owes you, and playing every cell of the chart correctly does not make the next hand owe you anything either: putting more money down to get it back only makes the hour dearer. If the money on the table 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

The lesson on one card

That is the lesson. Here it is on one card, with all three tables on it: print the card, or keep it on your phone.

The whole chartRules of the SCJ catalogue of games
Hard totals
Hard2345678910A
5–8HHHHHHHHHH
9HDhDhDhDhHHHHH
10DhDhDhDhDhDhDhDhHH
11DhDhDhDhDhDhDhDhHH
12HHSSSHHHHH
13SSSSSHHHHH
14SSSSSHHHRhH
15SSSSSHHHRhH
16SSSSSHHRhRhH
17+SSSSSSSSSS
Soft hands
Soft2345678910A
A,2HHHHHHHHHH
A,3HHHHHHHHHH
A,4HHHHHHHHHH
A,5HHHHHHHHHH
A,6HHHHHHHHHH
A,7SSSSSSSHHH
A,8SSSSSSSSSS
A,9SSSSSSSSSS
Pairs (first two cards only)
Pair2345678910A
2,2PPPPPPHHHH
3,3PPPPPPHHHH
4,4HHHPPHHHHH
5,5DhDhDhDhDhDhDhDhHH
6,6PPPPPHHHHH
7,7PPPPPPHHRhH
8,8PPPPPPPPRhH
9,9PPPPPSPPSS
10,10SSSSSSSSSS
A,APPPPPPPPPH
  • Hhit
  • Sstand
  • Dhdouble (if not allowed, hit)
  • Rhsurrender (if not offered, hit)
  • Psplit

Six decks, the dealer stops on every 17, a double only on 9, 10 or 11, surrender never against an ace.

18+ across Chile · Set a limit before you sit · Play responsibly · the regulator’s number is on the Helplines page, in the Guides section of this site

Practice table

The table below deals hands from a shuffled shoe and checks your first decision on each hand against the chart for these rules. Decide with the buttons or with the keys H, S, D and R; R, surrender, is not offered against an ace. There is no money on this table: the amounts beside each decision are averages for the example bet you choose.

What this table does not deal. Every hand it deals is a hard total: hands with an ace and pairs are set aside, so it drills only the hard totals table. It is the same table as in the doubling lesson and keeps your place.

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

Dealer shows a 7

77

You hard 16

101066

The chart says: Hit.

Hard 16 against a 7: The dealer card is strong: standing on 16 loses whenever the dealer finishes on 17 or more, 73.8% of hands against a 7.

Average result per hand on an example bet of 10 units (a minus means money lost): stand −4.77 units · hit −4.09 units. Standing instead costs about 0.68 units more each time.

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.

1Your two cards are an eight and an eight, and the dealer shows a 6. Which of the three tables do you read?

Show the answer

Answer: The pairs table, at the row for a pair of eights. Two cards of equal value are a pair, and a pair has a table of its own because it has a move of its own.

  • The pairs table, at the row for a pair of eights. Two cards of equal value may be split into two hands, so the pairs table answers first, and against a 6 it says split.
  • The hard totals table, at the row for sixteen. Eight and eight do add up to sixteen, and that is the trap: the hard table is for hands that have no move of their own, and this hand does have one.
  • The soft hands table, because sixteen is a low total. The soft table is for a hand holding an ace that can count eleven. There is no ace in eight and eight.
  • Whichever table you reach first; all three give the same play. Against a 6 the three tables give three different plays for a count of sixteen: split the pair of eights, take a card on an ace and a five, stop on a ten and a six.
2You split a pair of eights, and on one of the new hands you draw a three. That hand is now eight and three. Which table do you read for it? new situation

Show the answer

Answer: The hard totals table, at the row for eleven. The pairs table is for the first two cards. Once a third card lands, the hand is a total like any other, and eight and three hold no ace.

  • No table: a split hand is played by feel. A split hand is played by the chart like any other hand. What changes is only which of the three tables the two cards in front of you now belong to.
  • The hard totals table, at the row for eleven. Eight and three is eleven with no ace in it, so it is a hard total, and the hard table is where eleven lives.
  • The pairs table, because the hand came out of a split. Where a hand came from changes nothing. The pairs table answers one question only: what to do with two cards of equal value before you play them.
  • The soft hands table, because the hand is still small. The size of the total is not what picks the table. The soft table is for a hand holding an ace that can count eleven, and there is no ace in eight and three.
3A cell of the chart holds the letters “Dh”. What is it asking you to do?

Show the answer

Answer: Double the bet and take one card; if the table will not let you double this hand, take a card instead. Two letters name two moves: the one the chart wants, and the one to make instead when the table will not allow the first. In Chile a double is allowed only on your first two cards when they make 9, 10 or 11, so a 10 made of three cards takes the second letter.

  • Double the bet, and if the first card is poor, double again. A double buys one card and one card only, and the bet is doubled once.
  • Split the hand and then take a card on both halves. Splitting is the letter “P”, and it appears in the pairs table only, because only two cards of equal value can be split.
  • Double the bet, and take a card on the next hand as well. Every cell answers the hand in front of you. No cell says anything about the hand after it.
  • Double the bet and take one card; if the table will not let you double this hand, take a card instead. That is what the second letter is for. “D” is the move the chart wants, and “h” is the move to make when doubling is not on offer.
4You hold an ace and a seven, and the dealer shows a 9. What does the chart say? new situation

Show the answer

Answer: Take a card: the ace can still count one if the card is large. An ace and a seven is a soft 18, and one card cannot take a soft hand over 21: at worst the ace drops to one. Against a 9 the soft hands table takes that card.

  • Take no more cards: 18 is a good total. Against a dealer card as strong as a 9, a soft 18 does better with one more card, and a soft hand cannot go over 21 on that card.
  • Split the ace and the seven. An ace and a seven are not a pair, so there is nothing to split; the pairs table is for two cards of equal value.
  • Take a card: the ace can still count one if the card is large. That is the cell. Eighteen against a 9 does worse standing than drawing, and the draw cannot break the hand.
5You play every hand of an evening by the whole chart: hard totals, soft hands and pairs together. What does that settle?

Show the answer

Answer: That you pay the smallest share of every bet these rules allow. The chart lowers what the game costs on average. It decides nothing about how any one hand, or any one evening, comes out.

  • That the evening comes out level, give or take a little. Nothing on the chart makes the game cost nothing. Played by every row of it, these rules still leave the house a share of every bet.
  • That the dealer will have to change how the dealer plays. The dealer draws by a fixed rule in the catalogue and has no choice in it. Nothing you do changes that rule.
  • That every hand is played the way that hand will turn out to have needed. A cell is worked out over many hands of that pairing. On the hand in front of you the cards decide, and the chart cannot see them.
  • That you pay the smallest share of every bet these rules allow. That is what the chart is for: it reduces the house advantage and the cost of playing, and it does not remove either one.

And the question this lesson started with: an eight and an eight against a 6 is a pair before it is a sixteen, so the pairs table answers it, and the cell says P — put a second bet down and play the two cards as two hands.

Where to go next

How it’s worked out

Rules, numbers and hosts

Where this happens. Every blackjack table on this page is a table you can walk up to in a room. The three tables of the chart are worked out for the rules the SCJ sets out for blackjack in its national catalogue of games: six decks, the dealer stopping on every 17, a double only on two cards that make 9, 10 or 11, a double after a split, up to four hands from splits with one card on each split ace, 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. What a dealer blackjack takes from a double or a split the catalogue does not say; the chart assumes it takes every bet on the hand. It is a preset for learning, not a statement about any one casino.

Numbers. Every figure on this page is worked out when the page is built, by our blackjack engine. The cells of all three tables come from one solve of those rules, so the chart here cannot drift away from the chart in the lessons that teach its rows one at a time. The share of a bet the house keeps assumes the whole chart and cards shuffled after every hand. The count of cells is the count of the rows printed above, not of every total the engine works out: in the hard totals table the lowest totals share one printed row, and so do the highest, where they play the same way all the way across, and the label on the left of each row names the totals that row covers. The price of reading the wrong table is the average result of the hand’s own play minus the average result of the other play, per hand, shown for the example bet, each average rounded to the hundredth first.

What is deliberately absent. There is no count of cards, no betting system and no figure for how long money lasts at a table, and no claim about what any one casino allows you to have in your hands at the table.

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 makes the game free of cost, and nothing on it says how an evening will end.

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