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1Clear out junk files and repair common Windows errors2Scan for outdated or missing drivers - takes under a minute3Repair Windows errors before they cause bigger problemsThe 21+3 side bet is an optional wager on whether your first two blackjack cards and the dealer’s up-card form a qualifying three-card poker hand. The side bet is settled separately from your blackjack hand, and its payouts and house edge depend on the specific game’s rules, paytable, and deck setup.
How the 21+3 side bet works
Before the deal, you place an optional side wager alongside your regular blackjack bet. The game combines your first two cards with the dealer’s up-card and checks those three cards against the 21+3 paytable. Your later hits or the dealer’s hole card do not determine this side bet under the rules described by the cited games.
The side wager is separate from the main blackjack hand: it can win or lose regardless of whether you ultimately win, lose, or push on the regular hand. The exact dealing and settlement rules are set by the operator and game version.
Which hands can win?
Common qualifying hands are poker combinations made from the three cards. Not every game uses the same categories or ranking rules, so check the paytable displayed for the table you are playing.
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- Flush: all three cards share a suit.
- Straight: the three cards form a sequence, typically across more than one suit.
- Three of a kind: all three cards have the same rank.
- Straight flush: the cards form a sequence and share a suit.
- Suited three of a kind: all three cards have the same rank and suit. Some paytables list this as a separate, highest-paying category.
When a hand could fit more than one category, the game’s rules determine which payout applies. Do not assume that a category or classification from one casino carries over to another.
Example 21+3 paytables
These are examples from named games, not a universal schedule. The figures are stated as the sources display them; Grosvenor says its listed multiples are paid in addition to returning the original stake.
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| Game or analysis | Decks and context | Flush | Straight | Three of a kind | Straight flush | Suited three of a kind |
|---|---|---|---|---|---|---|
| Grosvenor Perfect Pairs and 21+3 | Operator online game; deck count not stated on the cited page | 5:1 | 10:1 | 30:1 | 40:1 | 100:1 |
| Grosvenor All Bets Blackjack RNG | Six decks; used cards are returned and shuffled after each round | 5:1 | 10:1 | 30:1 | 40:1 | 100:1 |
| Pragmatic Play Live Blackjack rules | Eight-deck paytable | 5:1 | 10:1 | 30:1 | 40:1 | 100:1 |
| Wizard of Odds, version 3 | Six decks | 5:1 | 10:1 | 33:1 | 35:1 | 100:1 |
| Wizard of Odds, version 4 | Six decks | 5:1 | 10:1 | 20:1 | 30:1 | Not listed in this version |
Sources: Grosvenor Perfect Pairs and 21+3 rules, Grosvenor All Bets Blackjack rules, Pragmatic Play Live Blackjack rules, and Wizard of Odds 21+3 analysis.
Why payouts and house edge vary
A payout table determines which hands qualify and how much each pays; deck count and shoe procedure also affect the probability of those hands. As a result, the label “21+3” does not identify one fixed return or house edge.
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For its version 3 analysis, Wizard of Odds estimates a 4.14% house edge with six decks; its estimates for that version range from 7.76% at three decks to 3.18% at eight decks. For version 4, which uses a 30:1, 20:1, 10:1, and 5:1 paytable for straight flush, three of a kind, straight, and flush, respectively, its six-deck estimate is 13.39%. These are estimates for those specific rule sets, not every game called 21+3.
Pragmatic Play’s rules give an eight-deck game a 3.7% house edge and 96.30% theoretical return to player. That figure belongs to its listed game and paytable; it should not be treated as a general 21+3 statistic.
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A bigger top payout does not by itself make a bet favorable. To compare versions, you need the full paytable and the relevant deck and dealing rules—not just the best-case prize.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to check a 21+3 game before betting
- Read the full paytable. Confirm which three-card hands qualify and the payout for each. The rules may distinguish suited three of a kind from other trips or omit it entirely.
- Check the deck count and shoe procedure. Look for the number of decks and whether cards are reshuffled between rounds; these details can affect the odds.
- Confirm payout notation. Determine whether a displayed multiple is winnings plus your returned stake or the total amount returned. Grosvenor, for example, says its listed multiple is paid in addition to the original bet.
- Look for progressive terms. If the game offers a progressive prize, check its qualifying hands, contribution or funding terms, and local rules rather than assuming the standard paytable applies.
- Keep the side bet separate in your decision. It is an additional wager with its own outcome; a win on the blackjack hand does not make a losing side bet profitable overall.
Progressive 21+3 versions
Progressive formats are not available under one universal set of rules. Pennsylvania’s published regulations describe multi-progressive and dynamic progressive 21+3 wagers, including conditions and approved payout-table choices. Availability and terms depend on the jurisdiction and operator. Pennsylvania’s 21+3 rules are a jurisdiction-specific example, not a statement of what every casino offers.
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Is the 21+3 side bet worth placing?
There is no answer that applies to every 21+3 game: the payout table and deck setup change the odds, and a high top payout does not establish that the bet has a low house edge. Treat it as an optional wager with a separate cost and outcome. If you choose to play, read the specific rules and decide in advance how much you are willing to risk; it is not necessary to place the side bet to play blackjack.
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