Spanish 21

Spanish 21 is similar to a regular Blackjack game with more fun and more opportunities to win.

The game is played with a Spanish deck of 48 cards; 2, 9, J, Q, K, a; no number 10 cards. All cards count as their face value with the exception of Kings, Queens and Jacks, which count as 10. Aces count as either 1 or 11.


Spanish 21 is played like Blackjack with the following exceptions:

  • Player’s Blackjack: always beats a dealer’s Blackjack and is paid 3 to 2.
  • Player’s Total of 21: always beats a dealer total of 21 unless the dealer has Blackjack and the player has 21 with more than 2 cards.

Winning player wagers are paid 1 to 1. Certain player 21 totals result in additional Spanish 21 payouts.


Insurance is an extra bet that can be made only when the dealer has an ace as the up card. In order to play the insurance bet, you may wager up to half of your original bet on the insurance line. If the dealer has Blackjack, the insurance bet pays 2 to 1. If the dealer does not have Blackjack, the insured wager loses and the game continues as usual. An insurance bet is placed immediately after you receive your first two cards.

Splitting Pairs:

If a player’s first two cards dealt are the same value, the player may split them into two hands. To split, the player places a wager equal to their initial wager. The dealer completes the first hand then progresses to the second hand. When splitting aces, players receive only one card for each hand. If the dealer has a Blackjack, you only lose your original bet. in split hands, an ace and a ten equal 21, not a Blackjack. You can only split pairs twice for a total of three hands. Aces can only be split once.

Re-Splitting Pairs:

If after splitting the player receives another card of the same value, the player may split again. The exception is aces may only be split once. A player must bet the exact amount of their original bet for each additional bet. If the dealer has a Blackjack, you only lose your original bet.

Double Down:

Except when a player has Blackjack, a player may elect to make a double down wager, which may not exceed the amount of their original wager. Players may double down once on two or more cards, on any total including after splitting. if the dealer has Blackjack only the original wager is collected. no payouts are permitted over 1 to 1 on double hands.

Double Down Rescue:

After doubling, including doubling on a split hand, players may choose to rescue (take back) the doubled portion of the bet and forfeit the original bet. Busted doubles cannot be rescued.

Bonus Payoffs:

Bonus payoffs are paid for 5, 6 and 7 card hands totaling 21. Odds are listed on the table.


After receiving your first two cards, the player will have the opportunity to surrender his wager. Simply, it means that you think that your hand total will not beat the dealer’s point total, therefore you will forfeit half of your wager and the right to play against the dealer. Note: if the dealer’s first card is an ace or a ten value card, you will have to wait for the dealer to verify that he does not have Blackjack. If the dealer has Blackjack, you will not be able to surrender.

Match the Dealer:

The dealer deals two cards face up to each player and two cards to themselves with one card face up. The cards of the players with the ‘match the dealer’ wager are checked and if either card numerically matches the dealer’s up card, players are paid for each card that matches the dealer’s up card numerically. Matches for the winning player(s) will be paid according to the payout schedule below.