What Is the 21+3 Blackjack Side Bet

June 30, 2025
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What Is the 21+3 Side Bet in Blackjack and How Does It Work

In terms of goal setting and profitability, blackjack is a great game where the target is to get a sum of 21 points without busting. What is more, the house edge in blackjack becomes incredibly low if players apply basic strategy correctly. Nevertheless, seasoned casino goers want something exciting along with the game that will bring unexpected bonuses. The solution is an extra betting circle with specific payouts offered by most casinos alongside the main one.

Operators are enthusiastic about the side bets because they provide extra earnings. On the other hand, players enjoy getting an opportunity to win a large sum with a simple combination of suited cards in the process of one gaming session. In this case, players need to know how to activate the payment, learn how the odds really work, and understand how to avoid making additional losses.

Introduction to 21+3: The Combination of Two Games

The origin of blackjack side bets goes back to the 1990s; however, they often ruined the experience of playing as they did not fit the essence of the game well. However, side bets became more popular thanks to innovative ideas. The beauty of 21+3 does not include taking rules from another casino game but adding the thrill of forming flush or straight to the game.

The player uses his/her two initial cards together with the dealer’s face card, and gets paid if the three cards form a hand similar to the one in poker. Initially, the payout was always fixed at 9:1; however, it was replaced by a tiered system where rare combinations got larger multipliers while flushes provided a modest profit for the gamblers.

Where Are You Likely to Find 21+3 Tables?

While most large brick-and-mortar facilities are sure to have at least one 21+3 table available, the Internet revolution has expanded its options even further. Real-money casino websites usually allow you to try their demo mode or simply switch between table min/max limits in the span of a couple clicks. For example, Kiwis have an opportunity to find low-limit 21+3 hands available at the Spin Casino in New Zealand. The interface on the screen mirrors what you would see at a physical pit.

In addition, many sites display the full payout schedule in the help screen. This way you get to compare your edge against different variants without spending hours tracking down tables or reading through books. Knowing whether a site pays nine-to-one on flushes or five-to-one is more important than all fancy visuals combined or the promise of bonus chips.

When You Can Make It and How Much Does It Cost

A 21+3 bet is always made together with the main blackjack stake. The player needs to place one chip of value between one and five in the special circle right after making the initial blackjack wager. Then as soon as the first two cards have been dealt and an upcard revealed, the bet stands and is settled instantly, no matter what happens during the remainder of play. If you win, your reward will be pushed back into your chips stack with a question of whether you want another hand.

Since your bet settles independently of any other moves, it won’t conflict with the proper blackjack strategy. However, it will greatly increase your expected expenditure for each hand because you’ll be effectively playing twice as expensive a game. A player betting $10 per hand while also making a $10 bet on 21+3 is risking twice as much money per round – half of which is far riskier than the main one.

Combinations of Winning Cards: From Flush to Suited Trips

Each version of 21+3 offers identical ladder of card combinations. The only thing that may differ is the multiplier. You can get five possible combinations of cards:

  • Flush is three cards with one suit;
  • A Straight consists of three consecutive cards;
  • Three of a kind is three cards of the same value but various suits;
  • Straight flush is three-card combination of a flush and a straight;
  • Suited trips are three of a kind and a flush.

The odds of getting a flush are approximately one in seventeen. This combination is the most frequent. On average, suited trips will be received once in 4,800 – 4,900 games. Thus, this combination is relatively rare. Since you need to put the bet before making a decision, you can receive some money even in case of a bust or a dealer’s natural blackjack.

Of course, depending on the casino, payouts may vary. However, the common scheme of payouts looks as follows: a flush – 5:1, a straight – 10:1, three of a kind – 30:1, a straight flush – 40:1, suited trips – 100:1. If you want to catch some promising positions among players, you should know the probability and multipliers by heart.

Edge and Payout Tables: Understand the Fine Print

You might mistakenly think that the house edge of a side bet, such as 21+3, is favorable. For example, under a typical payout structure (5-10-30-40-100), the edge of a casino is approximately three point seven percent. This figure is significantly higher than in the case of standard blackjack games (less than one percent). Moreover, under reduced payouts (4:1 and 9:1), the edge is seven percent or higher under specific conditions. Even though the figure looks minimal, with thousands of games played, there are considerable differences in the final outcome.

Sometimes, gambling operators include the additional tier called “house-friendly.” This option means lowering multipliers and creating additional small winnings. Players get a rush of adrenaline from the excitement of winning frequently, while the absence of significant victories makes their expectations negative. It is always better to consult the table of payouts and a felt board.

Bankroll Tips: Controlling Variance

Given that 21+3 hands are infrequent but have huge payouts, the variance is very high. You may find yourself playing several losing rounds before hitting the thirty-to-one win. In order not to lose motivation, keep the size of the side bet low, preferably 10% of the primary wager. On $10 games online blackjack, place one dollar on 21+3. It will enable you to go for the exciting payoff without having streaks wipe out your entire bankroll.

Establish your own criteria for hitting the ceiling on your side bet account. You may opt to close your account when you multiply your initial balance by two, or quit the game after six losing rounds in a row. Setting hard rules removes any emotional aspects of the game for both losing streaks and successful hits.

Card Counting in Blackjack and 21+3: Is Advantage Play Possible?

The essence of traditional card counting lies in tracking high cards to beat the dealer. However, this ratio adjustment is of little effect when it comes to 21+3 bets because three-card combinations are more influenced by suits rather than tens and aces. Although there are special systems designed by specialized teams to track suits, the extra effort hardly pays off in terms of profit since the tiny edge gained makes you quickly noticeable on the floor.

There is still one kind of advantage you can employ – choosing the most profitable game. If the felt offers payout for straight hands with odds of 9:1 instead of 10:1, leave the game at once. Try to find the game with the best pay table to get your edge indirectly.

Misunderstandings Related to Tilt of Gamblers

It is understandable that beginners think that winning the 21+3 side bet increases their chances to win the main blackjack hand. Such belief is erroneous since in this case, a winning streak may become just a straight or a jackpot, which is not always enough to avoid defeat when playing against the dealer who has a total of 20. It is important to divide the roles and avoid getting confused in order to maintain a rational attitude towards tilting.

It is typical of gamblers to believe that even the suited pairs are considered as bonuses. No, it is required to have either the same rank as the dealer’s upcard or form a straight flush along with the suit in order to get a payment.

People pursue due hits because of their feelings, but remember that each hand is separate from the previous one. Probability and feelings do not go together in gambling; therefore, following the budget leads to better outcomes.

Possible Future Changes: Progressive Pots and New Bonuses

As stated above, the inventors of games constantly innovate. For instance, there were several venues where the progressive jackpot was implemented to add excitement to 21 + 3. In this case, in addition to the standard payments, the players receive bonuses for forming the suited triple and royal combination. Although a small side bet is needed to participate in the game and win millions of dollars, operators introduced bonuses for color match or adding wildcards in order to increase the hit ratio.

Simplicity and cost-efficiency are critical criteria for the development of games. Being able to update payouts in 21+3 without buying new equipment makes it possible to introduce numerous changes and innovations more frequently compared to the launch of completely new games. That is why, when logging in online casinos, check if something has been modified in pay tables. Read carefully the rules to ensure yourself that you know everything related to the current game.

Therefore, whenever you see another betting circle during the game of blackjack, evaluate whether it is worth participating in. Seen from this point of view, the additional 21 + 3 bet turns a standard shoe into a memorable game.

Written by
Sophia Novakivska
10 years experience Pokies & Live Games Specialist

Sophia Novakivska has 10 years of experience in online gambling. For the past decade, Kyiv-trained linguist Sophia Novakivska has analysed everything from slot algorithms to live-dealer probabilities. Her bylines appear on Better Collective, AskGamblers and Gambling.com, and she specialises in NZ bonus clauses, slot maths and live-game odds. Sophia’s credentials include GLI University’s iGaming testing & compliance course (2020) and UKGC-approved Responsible Gambling certification (2022).

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