II: Strategies for Winning: Knowing when to hit
The Basics
Since the most a single card counts as is 11, you should
always hit when your hand is worth 10 or less. Since an ace can count as one, however, there's no risk of going bust if you get an ace when you hit, so you should
always hit when you have 11, too. And, of course, if you have 21, any card at all will push you over the limit, so you should
never hit if you have 21.
But what about other hands?
The Dealer's Strategy
The dealer has a simple strategy:
she always hits when she has 16 or less, and always holds when she has 17 or more. This is a very simple strategy that pays off. But why 17? Let's look a little closer.
A hand of 16 is the absolute
worst hand you can have. Why? Because the dealer will never stand with 16 or less; she will always hit until she has 17 or more. That means that your chance of winning with 16 is no different from your chances if you had a hand of 4 - only if the dealer goes bust will you win.
This happens 25% of the time (based on 184 hands).
The Rule of Tens
A ten is the most common card in the game, since tens, jacks, queens and kings all count as ten. This means
whenever you hit, you have around a 31% chance of getting a 10, which will make a lot of players go bust. With 16 in your hand, a card worth 6 or more will make you go bust, and that happens
almost 62% of the time! (based on a 52-card deck, not including cards in hand).
A note about the rule of tens: it's a pretty reasonable assumption that the dealer has a 10 or an ace as their hole card (there's a 38% chance of this!) so if you see that the dealer is showing a ten as their face card, there's a very good chance she's got 20+ already. When you see that, standing on a 16 or 17 doesn't seem like such a safe choice anymore.
On the other hand, the rule of tens can work in your favor. If the dealer is showing a 4, 5 or 6, there's a very good chance they'll have a 14, 15 or 16 and go bust on their own! That's a good time to hold if you have a bad hand.
Why Seventeen?
All of this means that if you have a 16 in your hand, you're probably not going to win this hand. But which is worse - to stand or to hit? If you stand, you've got a 75% chance of losing, while if you hit, you've got a 62% chance of going bust.
Your chance of going bust if you hit on a sixteen is huge - much bigger than your chance of getting a nice hand.
But even if you hit and don't go bust, you may not win the hand if the dealer has a higher hand. In fact, the chance of you winning outright if you hit is only 21%, although if you include the chance of tying the dealer it rises to almost 27%. Since you can (and should) cheat after you push, this isn't a bad strategy. But if you're hoping to win outright, standing on 16 is a better strategy in the long run. One thing is clear, though: you're three times more likely to lose with a 16 than to win. Luckily, that applies to the dealer, too, if she has a 16 showing.
In the end, it's your decision; personally, I stand on a 16 if the dealer is showing a 4, 5 or 6, and hit otherwise (Since Jinx can use
fresh start to replace a bad hand, I don't do this with her). I still lose more than I win with a 16, but at least I'm beating random chance.
This 16 is an exception to the rule:
The ace will count as a 1 if you get a 6 or more,
but an 11 if you get a 5 or less. You can't lose, so go ahead and hit!
At seventeen, however, the numbers look very different. Because the dealer will stand at 17, you know that if you have 17, there's a good chance you'll at least tie the dealer - and you'll also win outright if the dealer goes bust. Should you stand? Chances are better you'll win if you stand than if you hit.
Hard Numbers for your Hands
15
Hit me!: 54% chance of going bust
Stand: 25% chance of winning (dealer goes bust)
16
Hit me!: 62% chance of going bust
Stand: 25% chance of winning (dealer goes bust)
17
Hit me!: 69% chance of going bust
Stand: 25% chance of winning, 14.7% chance of pushing
18
Hit me!: 77% chance of going bust
Stand: 39.7% chance of winning, 10.8% chance of pushing
19
Hit me!: 85% chance of going bust
Stand: 50.5% chance of winning, 16.8% chance of pushing
20
Hit me!: 92% chance of going bust
Stand: 67.3% chance of winning, 21.7% chance of pushing
21 (but not blackjack, e.g. three or more cards)
Hit me!: Automatic bust if you hit. Don't do it. Just. Don't. Do. It.
Stand: 89.1% chance of winning, 10.9% chance of pushing
Your Strategy
The dealer's strategy is a winning strategy, and most of the time you want to play by her rules. Hit when you have less than 17 in your hand and stand whenever you have 17 or more - but don't react like a robot. Let common sense guide you!