A Hard Hand vs. a Dealer 9, 10 or Ace

Do you know what the best play in blackjack to make when you have a hard 15 or hard 16 versus a dealer’s 9, 10 or Ace? The answer might not be exactly what you think it is.

The instances in a game of blackjack that I am talking about are when you have a hard 15 versus a dealer’s 10 or a hard 16 against a dealer’s 9, 10 or Ace by the way.

Your first answer would be to stand. And in some blackjack games that would be the best statistical play to make. But in other blackjack games there is a better statistical play and it comes in two varieties: late and early surrender.

Late surrender is the more common of the two, but that is because it only hits the house edge for 0.08%. When it comes to late surrender, it is a play in which the player gives up half of his wager to exit the round only after the dealer has checked for blackjack. Players must decide to make a late surrender before they make any other plays; once a player decides to hit or stand the option to make a late surrender is gone.

The other type of surrender is early surrender. This differs from late surrender in that in an early surrender the player can give up half of their wager before the dealer checks for blackjack. Early surrender allows the player to get out of that particular round even if the dealer does have a natural blackjack. And because that aspect early surrender lowers the house edge by 0.6%. And that 0.6% hit is why early surrender is seen less often in blackjack games.

But surrender should only be used in blackjack if you have a hard 15 against a dealer’s 10 or a hard 16 against a dealer’s 9, 10 or Ace. Those are the four best times to surrender since a blackjack player’s chances of winning are the lowest then.

If you can find a game that allows for late surrender go for it, and if you can find a game of blackjack that allows for early surrender—even better!