Payouts in Super Fun 21

Super Fun 21 is a blackjack game that is a variation of the original game form. There are a few different house rules—some good and some bad. But of all the variations, which I still do not recommend playing, Super Fun 21 is the one with the lowest house edge of all the different blackjack games.

First let’s take a look at the house rules that have changed a bit.

First off all player blackjack wins. There is no topping a player blackjack, not even for the dealer. Even if the dealer also has a natural blackjack, he will still lose to the player—not a push, but a full win.

However, to counter this nice happy house rule, blackjack will only pay even money, or a 1-1 payout. The only blackjack that pays differently is if both the Ace and the 10 value card are diamonds. Then the payout is 2-1.

You might be thinking that settling for even money payouts and the occasional 2-1 payout is a fair trade for having a blackjack that wins no matter what.

You would be thinking wrong, and you would be settling.

Of all of the blackjack that can happen in a game, only one in every sixteen blackjack will be made up of two cards that are both diamonds. That translates into 93.75% of those blackjacks not having diamonds, and a 93.75% chance that you will only be receiving even money for your blackjack.

Over time the amount of money lost in even money and the occasionally 2-1 payouts will add up. Let’s say that you have played enough $10 rounds to have 100 blackjacks. In a regular game of blackjack those $100 blackjack would have given you $1,500.

But according to Super Fun 21 rules, and rounding the 93.75% to 94% to simplify math, you would be making $940 in even money payouts and $120 in the Super Fun 21 diamond blackjack payouts; that brings you to a grand total of $1,060. That is a $440 difference that you lost from playing Super Fun 21. Imagine what you would lose if you were wagering more than $10 per round.

So despite that with a specialized basic strategy played perfectly that can reduce the house edge to 0.8%, the money lost is still just too much for this blackjack variation.