Learn How to Play Super Fun 21 & Increase Your Chances of Winning

If there’s one card game with the most variants, it could be blackjack. From country to country, there would be a unique variation containing different rules. All these spice things up for gamblers seeking a different challenge. One of the popular variants is the Super Fun 21. But is this really fun? How to play 21 card game and win money? In this post, we will answer these questions.

The Super Fun 21 is a product of the continuous demand for entertaining and exciting card games. It has similarities to its origin card game but with a few unique rules.

Basically, if you know how to play 21 cards in standard blackjack, you already know 85% of the Super Fun 21 game.

What is the Super Fun 21?

This variant is typically played with a single deck. However, some casinos will use two decks to increase house edge and accommodate more players at a time.  Like the standard blackjack, the aim here is to have a favorable hand that will beat the dealer. But if a hand goes beyond 21, it’s considered a bust and the player loses.

So what makes it different from the standard American blackjack? Well, if you have a hand of 20, you automatically win. This is despite the dealer having a blackjack. So if you have a pair of 10s, your hand automatically wins money. However, blackjacks and winning 20s only pay even money. Still, it’s reasonable enough given the advantage the players get from winning a hand of 20.

This variant is widely popular in Las Vegas but it can also be found on online casinos.

Rules of Super Fun 21

Like any variants, there would be differences in the rules depending on what the casino will impose. But basically, the following are general rules applied when playing this variant:


♣️The dealer hits at Soft 17

♣️Players can double down in any two-card hands

♣️Any six-card hand that’s equal or lower than 20 automatically defeats the dealer

♣️Players can surrender even after doubling down, splitting, or hitting

♣️Players can split 4 times including pairs of Aces

♣️A five or more-card 21 pays 2:1

♣️Natural blackjack wins and doesn’t push with a dealer’s blackjack

♣️A natural blackjack pays even money, but a blackjack in diamonds gets 2:1.

What makes Super Fun 21 a popular pick among players is its liberal rules. Players can double down anytime, no matter how many cards are being dealt. For this variant, there’s a hole card and the other card of the dealer is dealt face up the same with standard blackjack.

Take note that even though a single or double-deck is customary, some casinos can play Super Fun 21 with as much as eight decks in the shoe.

In this video, we see how to play 21 card game know as Super Fun 21. You’ll know how it’s dealt and paid accordingly. Check this out to get a clearer picture of this game:

Why Super Fun 21 is a crowd favorite

Head to a Vegas casino and you’ll never see an empty Super Fun 21 table. Even if the house edge (discussed below) is higher, many players are attracted to this variant more than ever. Why? I think one of the reasons is it opens many possibilities of winning. Although the house has a bigger upper hand, it’s offset by the fact that you can win by having five or six-card Charlie (multiple cards without getting busted).

Also, players can split as much as four hands. Based on Vegas rules, there are no restrictions on how the split hands should be played. This makes it a very liberal and flexible option for those who want to take a breather from the standard blackjack.

House edge

Super Fun 21 isn’t very fun once you lay your eyes on the house edge. In a setup where the dealer hits at Soft 17 and a blackjack gets even money, the house edge is slated at a lavish 1.16%. For a two-deck game with the same rules, the house edge becomes higher at 1.3%. So the more decks there are in the shoe, the more money the casino gets from you.

For a six-deck game where the dealer hits at Soft 17, you’re going to be slapped with 1.40% of house edge. Still, a lot of players are willing to take the risk, especially the card counters.

You can find tables offering a lower edge of 0.94%. However, compared to standard blackjack, this is twice the house edge of other variants. Even if you know how to play how to play 21 cards the Super Fun 21 way, the stakes are too high.

Double down rescue

The double down rescue rule is also found on Spanish 21 where the player can surrender his hand after doubling down.
You’ll be dealt with only one card after doubling down, and if this turns out to be an ugly card, you have the choice to surrender after the double down.


You only lose your original wager and keep the extra amount you placed for doubling down. Always ask the dealer first if this feature is allowed on the game. If so, you’ll have a saving grace in case your hand turns out after a double.

This has saved many players from losing a large chunk of their bankroll while enjoying the possibility of winning twice.

Five or six-card winning hands

This feature is borrowed from the Pontoon blackjack. If the player has five or six cards on his or her hands without getting busted, the hand wins by default. This type of hand plays 2:1 even if you don’t have a 21 or a 20.

However, this is a big gamble. Unless you’re counting cards, hitting more cards becomes more and more dangerous as your hand gets bigger.

Some casinos may offer this winning hand as a side bet. But take note that casinos won’t risk big payouts if they know that there’s a high chance you’re going to win. Always bet at your own risk. Knowing how to play 21 card game should include waging with caution.

Payouts and side bets

As mentioned earlier, a natural blackjack pays only even money. This is a downer for those who are used to the 3:2 payment scheme. However, there are more possibilities of earning money on this game than the standard version.

First of all, a five-card or more Charlie with a total value of 21 pays 2:1. The same payment goes to blackjacks in diamonds.  Even if you don’t have a 21 but you have six cards, you automatically win.

There are also side bets in Super Fun 21 which is mostly about suit pairs. Most casinos will designate the suit of their own choice where the players can place a side bet.



It can be a suit of diamonds blackjack or a four-card suit. No matter what it is, this side bet is only available on the first hand dealt after the shuffle.


Some casinos may offer the OpenSide that pays 300:1. This is when you’re dealt with a suit of natural blackjack in Spades. But as much as it can win you a fortune, the house edge is unforgiving. The casino’s upper hand can be as much as 9% or more for the suit side bet. So what are your chances of getting this bankroll-changing win? Here’s a table of computation of the odds:


You don’t have to be a mathematician to understand this interpretation. It’s very unlikely, and considering the 300:1 payout, this shouldn’t come as a surprise to you.

Playing Strategy

Super Fun 21 is usually played with a single or double deck. But depending on the casino’s discretion, this card game can be played with up to 8 decks.

With the usual Vegas rules where the dealer hits at Soft 17, here’s a basic strategy chart courtesy of Wizard of Odds:

For single-deck hard hands:

how to play 21 card game

Finding it hard to read the chart? Here’s how to play 21 card game like Super Fun 21:

🎰For hard 17-20 hands, the strategy is to stand no matter what the dealer up-card is. The only exception is when you have a hard 17 and the dealer has an Ace. In this situation, it’s better to surrender.
🎰For hands of 4-8, always hit no matter what the dealer’s card is.
🎰If you have a 9 hand, double down when the dealer has 2-6. Otherwise, hit.
🎰For 10 and 11 hands, always double down
🎰If you have a hand of 12, stand when the dealer has 4, 5, and 6. Otherwise, hit.
🎰For 13 and 14 hands, stand when the dealer has 2-6. Otherwise, hit.
🎰For a hand of 15, stand when the dealer has 2-6. Otherwise, hit. If the dealer has an Ace, surrender.
🎰If you have a 16 hand, stand when the dealer has 2-6, Otherwise, hit. If the dealer has 10 or Ace, surrender.

For single-deck soft hands:

🎰For soft 19-21, always stand except if you have a Soft 19 and the dealer has 6. In this case, double down.
🎰If you have Soft 18, double down when the dealer has 3-6, hit against 9, 10, and Ace, and stand against 2, 7, and 8.
🎰For Soft 17 hands, double down against a dealer’s 2-6. Otherwise, hit.
🎰In the case of Soft 14, 15, and 16, always hit, but double down when the dealer has 4, 5, and 6.
🎰For Soft 14, always hit, but double down when the dealer has 5 or 6.

To know more strategies for double-deck and up to six decks, visit Wizard of Odds’ complete chart tutorial here.

Microgaming strategy

Your strategy in actual casinos may differ if you’re playing Super Fun 21 via Microgaming. Here’s a basic strategy chart courtesy of THE POGG:

how to play 21 card game

Nevertheless, the house edge for Super Fun 21 played in Microgaming is lower at 0.87%. This is already a great catch.

Other online platforms

If you’re looking for low house edge, your best bet is to play online. The likes of Microgaming, PlayTech, and RealTime Gaming all offer low house edge, thus better chances of winning.

In PlayTech, the house edge is 0.73% if the dealer stands on Soft 17. The same goes for RealTime Gaming when Super Fun 21 is played in six decks.

Is Super Fun 21 a profitable variant?

Considering the high house edge that’s double than that of standard blackjack, Super Fun may not be the best pick for you. For those who want to make money in a specific timeframe, the high house edge means there’s more to lose.

Still, this game offers more options for you as the player. It’s more flexible than other variants but the house edge is the price you have to pay. Not all gamblers can afford such a thing.

The lowest house edge you can find for Super Fun 21 is within the range of 0.90%. This is still high compared to standard blackjack’s 0.48% to 0.58%.


Super Fun 21 is indeed a fun game to play. However, you should minimize your losses by employing an effective strategy and a solid betting method. Otherwise, the casino will suck the money out of your pocket.

Practice is always the key here. If you want to defy the house edge, you can resort to card counting. You just have to ensure two things: you’re not playing online and the table doesn’t have an automatic shuffler.

Super Fun 21 is also a great game to play if you want a change from the usual standard rules. But as far as money-making is concerned, this can go as far as being a leisure game. If you are to make a living out of blackjack, I suggest that you master other variations with a lower house edge, reasonable rules, and excellent payout.

Now that you know how to play 21 card game, it’s up to you to decide.

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