Spanish 21 House Edge

Spanish 21 (SP21) is popular in the Pacific Northwest, arguably more so than the standard mediocre blackjack offerings in the same card rooms/mini-casinos.I find myself wondering why and then thinking about the other blackjack variants being introduced and their potential. I view SP21 as a successful blackjack variant as it has stood the test of time and it is not at all unusual to find more. Readers might be thinking the rules of Spanish 21 heavily favor players and they would be right. The advantage is not as much as you would think, though, because of the removal of the 10’s from the deck. This tips the house edge in the favor of the casino by about 2%, because the player won’t hit the 21 nearly so often.

• Spanish 21 Online Game
• Spanish 21 Payouts
• Spanish 21 House Edge
• Spanish 21 Match The Dealer
• Spanish 21 Vs Blackjack House Edge
• Spanish 21 House Edge Definition

Spanish 21 is a variation of regular 21 played without tens in the deck but with more liberal rules. By 'tens' I mean the card in rank between nines and jacks, all face cards are still used. For blackjack novices it should be stressed that taking the tens out of play is very disadvantageous to the player. Any card counter, myself included, can tell you a deck rich in tens favors the player and a deck rich in small cards favors the dealer.

To compensate for the loss of tens, Spanish 21 offers the following rule enhancements over regular blackjack:

• The player may double on any number of cards.

• Late surrender is allowed. In other words the player may pull out of a hand by forfeiting half his bet, but only if the dealer does not have a blackjack.

• A player 21 always beats a dealer 21.

• Late surrender is allowed on first two cards.

• Double down rescue allows player to take back doubled portion of bet and forfeit the original wager.

• Player may double after splits.

• Player may resplit up to three times, including aces.

• Player may draw and double down to split aces.

• A five card 21 pays 3:2.

• A six card 21 pays 2:1.

• A seven or more card 21 pays 3:1.

• A 21 consisting of a 6, 7, and 8 of mixed suits pays 3:2.

• A 21 consisting of a 6, 7, and 8 of matching suit pays 2:1.

• A 21 consisting of a 6, 7, and 8 of spades pays 3:1.

• A 21 consisting of three 7's of mixed suits pays 3:2.

• A 21 consisting of three 7's of matching suits 2:1.

• A 21 consisting of three 7's of spades pays 3:1.

• Three suited 7's in addition to the dealer having any 7 face up pays. $1000 for bets between $5 and $24, and pays $5000 for bets of $25 and over. In addition all other players get an 'envy bonus' of $50.

Note:
1. Dealer usually hits a soft 17 .
2. All 21 bonus hands do not count if the result of doubling or splitting.
3. Six Spanish decks are used (except in Atlantic City where eight decks are used).

Strategy

Following is my Spanish 21 basic strategy when the dealer hits a soft 17. This strategy is based on a combinatorial analysis and is verified by an infinite deck model in Excel.

Next is the Spanish 21 basic strategy when the dealer stands on a soft 17.

The following is a key to the table. Capital letters denote the usual play for a hand unless there is a bonus exception. Exceptions are noted with an h, *, ', ', or $.

If you can not see clearly the symbols for the 6-7-8 bonus exceptions here is a listing of hands where an exception should be made because of the 6-7-8 incentives.

• 6,7 (any) Vs. 6

• 6,8 (any) Vs. 4

• 6,8 (suited) Vs. 5

• 7,8 (any) Vs. 2

• 7,8 (suited) Vs. 3

• 7,8 (spaded) Vs. 4

House Edge

Following the basic strategy above the house edge in Spanish 21 is 0.69%. However if the dealer stands on a soft 17 the house edge is only 0.34%! This is lower than the Atlantic City blackjack game at 0.43%.

Where to find the Good Games

Usually the dealer will hit a soft 17 however some casinos offer the more favorable game in which the dealer stands on all 17's. Locations that I know of or have heard of where the dealer stands on a soft 17 are:

• All casinos in Atlantic City

• All casinos in Indiana (only verified at Trump Hotel and Casino)

• Venetian in Las Vegas

Match the Dealer

In Atlantic City there is a side bet available in Spanish 21. The bet pays 3 to 1 if either of the player's first two cards matches the rank but not the suit of the dealer's up card. The bet pays 12 to 1 if both the rank and suit match. These odds are payable on both of the player's cards. If there is a match the side bet always pays even if the player loses the hand. The house edge on this bet is 2.35% assuming eight decks are used.

Spanish 21 is a variation of one of the most iconic casino games, Blackjack. Spanish 21 offers some new and interesting changes that shift the dynamic of the game, one of which is the removal of all number ‘10’ cards from the deck. This leaves the dealer with decks of 48 cards, rather than 52. This increases the house edge, or the chance that the dealer will beat the players, due to the fact that high value cards are incredibly important to the player, and there are less of them to be utilized.

Players may wonder why they would want to play a version of Blackjack in which the odds are worse off for them. The truth is that this house edge is leveraged by additional in-game rule changes and advantageous bonus payout scenarios, evening the score for the players.

Differences vs. Blackjack

When playing a game of Spanish 21, it will look very much like a game of Blackjack. The variations do not change the main rules of how the game is played, but change how various scenarios in the game can be used by the players.

The first of these variations, which is very helpful to the player, is that a players’ Blackjack always beats the dealer’s Blackjack, with a payout of 3:2. Identically, a player with card values equaling 21 will always beat a dealer’s 21.

Another variation is the option of using a Late Surrender. With this feature, players are allowed to surrender their hands, as long as the dealer does not have Blackjack, and receive half of their original wager. This feature allows players to minimize losses and an opportunity to back out with half their bet if they feel overwhelmed.

Yet another change from the original game of Blackjack deals with splitting and doubling. In Spanish 21, players can split cards with equal values, including Aces, up to 3 times. Splitting 3 times would result in a player having 4 hands to play from. Additionally, players are able to double down on any cards, unlike in Blackjack where the players are only allowed to double down on the original two cards drawn for them. For those unfamiliar, doubling down is a bet placed on your hand that doubles your wager.

Upon doubling down, players are always given another card. Some casinos even offer players the ability to do what is called a ‘double-double down’. After players double down and receive a card, they can double-double down, which doubles the total wager yet again. Players can do this up to three times which could see their wager increasing up to 8 times.

Due to the fact that hands can get very large, players are allowed to use a Late Surrender at any point in the game to receive half of their wager. The ability to Late Surrender at any time is a huge benefit to players, as they can entertain certain avenues such as splitting or doubling without fear of losing the entirety of their wager should things go wrong.

Other than the in-game variations mentioned above, Spanish 21 normally offers special payouts for extraordinary hands as well as side bets that can benefit the player.

Spanish 21 Side Bets

The first of the side bets is known as the Super Bonus. The Super Bonus does not require the player to make a separate wager and players always have a chance of winning it, although the payout of the Super Bonus is dependent upon how much the player’s wager is. Although very rare, this side bet can provide massive payouts for the players.

The conditions for winning the Super Bonus are as follows…

The player must have three suited 7’s (forming a hand of 21) and the dealer must also have a 7 of any suit.

If the player originally wagers $5-$24, the payout of winning the Super Bonus is $1000. Bets of $25 and over will result in a payout of $5000.

The final facet of the Super Bonus is that whenever a player wins it, all other players at the table receive $50, so that they can have some fun as well.

As mentioned, this is an extremely rare occurrence, but since there is no needed separate wage to potentially win the Super Bonus, every hand provides the player with the opportunity to win big.

Spanish 21 Online Game

The other side bet in Spanish 21 is the Match the Dealer wager. With this wager, players can bet that one or both of their cards will match the dealer’s up card, or the dealer’s card that is visible to players during the game. The payouts vary on whether the match is based only on card value or on both card value and card suit, with the ‘perfect match’ of both value and suit paying out more for the player.

Spanish 21 Payouts

The final bit to cover of Spanish 21 is the varying payout values for different combinations of the player’s winning 21.

If the player hits 21 with 5 cards of any suit, the payout will be 3:2.

For 6 cards of any suit, the payout is 2:1, and for 7 cards of any suit the payout is 3:1. Therefore, a winning hand of 21 with more cards will provide players with bigger payouts.

Spanish 21 Payouts

Should a player form 21 with specifically the cards 6, 7, and 8, the payout will be 3:2. If the 6, 7, and 8 are of identical suits, the payout is 2:1.

Finally, if the 6, 7, and 8 are all Spades, the payout will be 3:1. If a player has a hand consisting of three 7’s, the payouts are identical to the 6-7-8 scenarios in which mixed suits pay 3:2, similar suits pay 2:1, and all Spades pays 3:1.

In conclusion, Spanish 21 may frighten Blackjack players away due to the lack of number 10 cards, culminating in a higher house edge. However, players that are familiar with the caveats of Spanish 21 can find ways to overcome this house edge through more opportunities to split and double down, special payouts for certain hands, and perhaps most importantly, the ability to surrender at any time and receive half their bet. All the while, the Super Bonus’ huge payout hangs overhead, with players hoping for a string of sevens and a bit of luck.

Spanish 21 House Edge

House Edge in Spanish 21

Spanish 21 Match The Dealer

The House Edge is a guaranteed profit that casinos make off of the bets made by players. This provides a source of long term, ensured income for the casino, while also offering opportunities for short term payouts for winning players. As Blackjack, and thus Spanish 21, are games that vary depending on the skill levels of the players, the house edge is very low in comparison to other games. One would assume that due to the rule changes that are tailored to help the player, the house edge should be less than the normal Blackjack game house edge. However, the casino has evened the score with the removal of all the number 10 cards, tipping the house edge in their favor.

For both Blackjack and Spanish 21, the house edge fluctuates depending on specific rules regarding what the dealer must do when they have a “soft 17”. A soft 17 is a hand which includes an Ace and has a total card value of 17. When dealers are forced to hit on a soft 17, the house edge is swung in favor of the casino. Therefore, players should seek games that have the dealer stand in such scenarios.

Spanish 21 Vs Blackjack House Edge

For games using 6 decks of cards, the house edge is 0.78% when dealers hit on a soft 17 and 0.37% when they stand. In 8 deck games, the house edge is 0.80% when dealers hit, 0.38% when they stand. This clearly shows the advantage to having the dealer stand on a soft 17, from the perspective of the players, that is. For sake of comparison, good Blackjack games usually hover around a 0.5% house edge, but this percentage can change due to the many rule variations that Blackjack can have.

Spanish 21 House Edge Definition