Start with one clearly defined game
The chart and examples here use four to eight decks, a dealer who stands on soft 17, doubling on any opening two cards, doubling after a split and no surrender. The dealer checks an ace or ten-value upcard for blackjack before the player's further decisions. Assume ordinary blackjack rules and a 3:2 natural payout, rather than a special named variant.
This is a total-dependent starting strategy: it uses the hand's total or pair, plus the visible dealer card. It does not adjust to a running card count. Deck number, dealer checking, split restrictions and the treatment of soft 17 can change the appropriate chart, so keep this rule profile beside the examples.
Read the strategy chart in the right order
Read your hand against the dealer's upcard in the chart. Check eligible pairs first, then soft hands and finally hard totals. A pair of 8s and a 10–6 both total 16, but a split decision applies only to the pair. Ace–7 is soft 18, so it belongs with soft hands rather than ordinary hard 18.
An action must also remain available. After taking a third card, ordinary doubling is no longer an option. The chart distinguishes a double followed by hit when unavailable from a double followed by stand when unavailable. Treating every unavailable double as a hit would misplay some soft totals. This chart has no surrender action because the stated game does not offer it.
Chart for 4–8 decks, dealer stands on soft 17 (S17), dealer checks for blackjack before your decisions, doubling on any initial two cards and after splitting (DAS), with no surrender. Check pairs first, then soft hands, then hard hands.
H = Hit · S = Stand · D = Double if allowed, otherwise hit · D/S = Double if allowed, otherwise stand · P = Split the pair if allowed. A = ace; 10 includes jacks, queens and kings.
| Your hand | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | A |
|---|---|---|---|---|---|---|---|---|---|---|
| 2 + 2 / 3 + 3 | P | P | P | P | P | P | H | H | H | H |
| 4 + 4 | H | H | H | P | P | H | H | H | H | H |
| 5 + 5 | D | D | D | D | D | D | D | D | H | H |
| 6 + 6 | P | P | P | P | P | H | H | H | H | H |
| 7 + 7 | P | P | P | P | P | P | H | H | H | H |
| 8 + 8 | P | P | P | P | P | P | P | P | P | P |
| 9 + 9 | P | P | P | P | P | S | P | P | S | S |
| 10 + 10 | S | S | S | S | S | S | S | S | S | S |
| A + A | P | P | P | P | P | P | P | P | P | P |
| Your hand | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | A |
|---|---|---|---|---|---|---|---|---|---|---|
| A + 2 / A + 3 | H | H | H | D | D | H | H | H | H | H |
| A + 4 / A + 5 | H | H | D | D | D | H | H | H | H | H |
| A + 6 | H | D | D | D | D | H | H | H | H | H |
| A + 7 | S | D/S | D/S | D/S | D/S | S | S | H | H | H |
| A + 8 / A + 9 | S | S | S | S | S | S | S | S | S | S |
| Your hand | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | A |
|---|---|---|---|---|---|---|---|---|---|---|
| 5–8 | H | H | H | H | H | H | H | H | H | H |
| 9 | H | D | D | D | D | H | H | H | H | H |
| 10 | D | D | D | D | D | D | D | D | H | H |
| 11 | D | D | D | D | D | D | D | D | D | H |
| 12 | H | H | S | S | S | H | H | H | H | H |
| 13–16 | S | S | S | S | S | H | H | H | H | H |
| 17–21 | S | S | S | S | S | S | S | S | S | S |
If splitting is no longer available, use the hand total. For two aces that cannot be re-split, double against 6 if drawing and doubling are permitted; otherwise hit if drawing is permitted. After splitting aces, follow the table’s rule: one card per ace can end the hand automatically. A natural blackjack settles at the table’s stated payout. H17, no-hole-card and surrender games need different strategy charts.
Hard totals: distinguish a weak total from a forced hit
A hard hand has no ace counting as 11. Its total does not become flexible just because the dealer shows a weak card. Hard 16 against 10 is a hit in this no-surrender game, while hard 16 against 6 stands. A pair of 8s is considered separately because splitting is available.
For eligible doubles, hard 9 doubles against 3–6, hard 10 against 2–9 and hard 11 against 2–10. Hit if those doubles are unavailable. Without a double decision, hit totals of 11 or below; stand on 12 against 4–6 and on 13–16 against 2–6; otherwise hit those totals. Stand on hard 17 or above.
That makes 12 against 3 a hit and 12 against 4 a stand. The difference reflects the whole range of possible outcomes. It does not mean that the dealer must bust with a 4 showing.
Soft totals have their own double and fallback choices
For this S17 game, soft 13–14 doubles against 5–6, soft 15–16 against 4–6, and soft 17–18 against 3–6. If doubling is unavailable, hit soft 17 or below. For soft 18 against 3–6, the fallback is stand. Soft 18 also stands against 2, 7 and 8, but hits against 9, 10 or ace. Soft 19 or above stands.
For example, ace–7 against 6 doubles if it is an eligible two-card hand; otherwise it stands. Ace–7 against 9 hits. If that hit brings another 9, the ace changes to 1 and the new hand is hard 17. Reclassify the hand after every card instead of continuing to use its original row.
Pairs are separate hands, not just familiar totals
With these rules and a split available, aces and 8s split; 5s and ten-value pairs do not. Treat 5–5 as hard 10 and a ten-value pair as hard 20. With doubling after a split allowed, split 2s and 3s against 2–7, 4s against 5–6, 6s against 2–6 and 7s against 2–7.
Split 9s against 2–6, 8 and 9; stand against 7, 10 and ace. This explains why a pair chart has exceptions inside an otherwise similar row. If the resplitting limit has been reached, return to the playable hand's total and the actions still permitted; split-ace restrictions need their own rule.
Know which rule changes alter the answer
If the same multi-deck game changes to H17, some decisions move: hard 11 doubles against ace, soft 18 doubles against 2, and soft 19 doubles against 6. If surrender is also offered, its decisions need the H17 chart too. These examples do not constitute a complete replacement H17 chart.
Adding late surrender to the S17 game changes some opening decisions: surrender hard 16 against 9, 10 or ace, excluding 8–8, and hard 15 against 10. Removing doubling after a split changes several pair choices. A European no-hole-card game can expose added split and double wagers to a later dealer blackjack, depending on settlement. Each needs a matching chart.
Practise explaining a decision before memorising it
Try three opening hands with the rule profile above. For 10–6 against 10, identify hard 16 and hit because this game offers no surrender. For 8–8 against 10, recognise the pair and split. For ace–7 against 6, identify soft 18 and double, with stand as the fallback.
A useful practice record names the rules, the hand, the dealer's upcard, the available actions and the selected action. The next card can then be recorded separately from whether the decision matched the chart. This makes the reasoning visible and keeps a single fortunate or unfortunate result from rewriting the rule being learned.
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