3 to 2 Blackjack Payout Guide

You’ve just hit a natural blackjack at a crowded table, but did the dealer pay you the right amount? Whether you're a player double-checking your winnings or a dealer training to calculate 3:2 payouts in your head under pressure, speed and accuracy are everything. The difference between 3:2 and 6:5 isn't just math; it’s your bankroll's survival. This guide breaks down exactly what 3:2 means, provides a printable payout chart, and includes a free calculator to ensure every bet is settled correctly so you can focus on the game, not the arithmetic.

What is a 3:2 blackjack payout? Here’s exactly what each hand is worth and why 3:2 games give you a significantly better expected value than 6:5 tables. Use the payout chart below, and if you want exact dollar calculations, use the free payout calculator.

The term “3 to 2” can be confusing. What this ratio is telling us is that the player will get paid 3 chips for every 2 chips they bet, or 3 to 2. If you're ever stuck on other table lingo, our Casino Definitions Hub covers every term used on the floor.

Understanding payout ratios like 3:2 is helpful for anyone inventing a casino table game. Payout structures directly influence player appeal, house edge, and long-term game performance on the casino floor.

Chips are the tools that players use to place bets in the blackjack game. They run through the entire blackjack game rules system.

Players may design Custom Poker Chips with personal elements or special commemorative significance for the blackjack game, allowing players to have a more involved and unique experience in the blackjack game. When players win chips according to the payout rules in the article, the unique custom chips in their hands can increase the fun and commemorative significance of the game, making the players more impressed with the game process.

Another way to think about it is, 3 to 2 is exactly the same as 1 ½. And it’s a lot easier to figure out half of the bet and then add that number to the original bet. For example, if you have a $12 wager, half of $12 is $6. Add $6 to $12 and your answer is $18.

12 x 1.5 = 18

When a player gets a blackjack, they’re immediately paid even money plus a bonus. That bonus is also known as 3 to 2 and this describes the odds the player is paid when getting a blackjack.

If a player gets a blackjack, then they are paid 3 to 2 (or 1 ½ times their bet). As soon as the bet has been paid, the cards should be placed in the discard rack. As the dealer, when it comes to paying a blackjack the 3:2 payoff is easier than it looks, you just pay the entire bet plus half. I provided a chart with these payoffs if you would like a reference. This 3 to 2 blackjack payout chart can be printed and used on the blackjack table.

Players can play online blackjack for real money with no deposit. The Online United States Casinos team has a demo blackjack game (scroll down the page) that can be played without opening an account. But there are a multitude of options available to players, who are interested in the excitement of online gambling, such as kiwigambler.

If a player has a blackjack and they insist on taking insurance, explain to them that taking “Even Money” is the same thing. Even Money can only occur if the player has a blackjack, and the dealer has an ace up card. Only after the dealer asks for insurance is the player allowed to request Even Money. Again, taking Even Money is the same thing as taking Insurance. With Insurance, you must forfeit half of your bet to protect yourself in case the dealer has a blackjack. With Even Money, you forfeit half of your winnings so you can get paid right away, which results in getting paid 1 to 1 or even money. Even Money is not normally offered on blackjack tables with 6 to 5. If you would like to know what the payout is for 6 to 5 blackjack, we have that information for you here.

Original Bet	Blackjack Payoff
$1	$1.50
$2	$3
$3	$4.50
$4	$6
$5	$7.50
$10	$15
$15	$22.50
$20	$30
$25	$37.50
$30	$45
$35	$52.50
$40	$60
$45	$67.50
$50	$75
$55	$82.50
$60	$90
$65	$97.50
$70	$105
$75	$112.50
$80	$120
$85	$127.50
$90	$135
$95	$142.50
$100	$150
$125	$187.50
$150	$225
$175	$262.50
$200	$300
$225	$337.50
$250	$375
$275	$412.50
$300	$450
$325	$487.50
$350	$525
$375	$562.50
$400	$600
$425	$637.50
$450	$675
$475	$712.50
$500	$750
$525	$787.50
$550	$825
$575	$862.50
$600	$900
$625	$937.50
$650	$975
$675	$1,012.50
$700	$1,050
$725	$1,087.50
$750	$1,125
$775	$1,162.50
$800	$1,200
$825	$1,237.50
$850	$1,275
$875	$1,312.50
$900	$1,350
$925	$1,387.50
$950	$1,425
$975	$1,462.50
$1,000	$1,500
$5,000	$7,500
$10,000	$15,000
$15,000	$22,500

Download the Free 3:2 Blackjack Payout Chart (Printable PDF)

Ready to go pro? Now that you’ve mastered the math, learn how to manage the game like a professional. Check out our Dealer Training Hub to learn how to pitch cards and handle high-limit action.