The Only Blackjack Cheat Sheet You’ll Ever Need

Peter Nairn
Written byPeter Nairn
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Peter Nairn

Casino Operations Specialist
  • Linkedin icon
  • Email icon
  • Over 3 decades of experience in casino operations management, with a focus on Table Games and Slots;
  • Senior executive positions in both Native American and traditional casino markets for companies like Harrah’s New Orleans and Minnesota-based Grand Casinos;
  • Hands-on experience as trainer and dealer of multiple casino games including: Blackjack, Roulette, Craps, and more;
  • Profound knowledge of Title 31 regulations, State compacts, and Federal MICS.
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icon-thumb-up100%icon-clock13 min
icon-calendarUpdated on Apr 29, 2025

Welcome to our article on Blackjack Cheat Sheets. Today, we’re going to do a deep dive into what they are, why you need one, and how best to use them when playing blackjack online, or in a land-based casino.  

When you have finished reading this article, you will know what a Blackjack Cheat Sheet is, why you should be using one and how to get the most value out of them.

Let’s get started.

What is a Blackjack Cheat Sheet?

It used to be that when people referred to a blackjack cheat sheet, they meant a small card that essentially explained the rules of blackjack and gave some simple advice on how to play.

They were not sophisticated, and didn’t educate you about blackjack beyond the basics.

Not anymore!

When we talk about Blackjack Cheat sheets today, what we’re really talking about is Blackjack Basic Strategy charts.  Which is a completely different level of expertise.

We’re going to look at Blackjack Basic Strategy – because that’s what the updated definition of ‘Blackjack Cheat Sheet’ means.  It’s the proven, mathematically-correct way to play blackjack based on your first two cards and the dealer’s up card.

I’m going to provide you with four Basic Strategy charts – two for playing a 6-deck shoe where the dealer hits a soft 17 (H17) or stands on a soft 17 (S17), and two for playing a double deck where the dealer hits (H17) or stands (S17) on a soft 17.

Why would I include them for whether the dealer hits or stands on a soft 17?

Because the charts are different depending on whether the dealer hits or stands vs that soft 17.

And because you’re more likely to play a double deck once you know the difference between that and the 6-deck shoe, I want to be sure you have the best information for both.

What you’re going to see almost all the time is the dealer hitting a soft 17.

Why?

Because if the dealer hits a soft 17, it improves the casino’s house edge by 0.22%, and on a game that typically holds about 0.65%, that’s a huge chunk that the casino keeps.

And as you know, casinos are not philanthropic organizations, so they like to win – which means they like to keep more of your money (you did know that, right?). 

The shoe games are where they’re more likely to attract the recreational players, so that’s where you’re going to see the H17 rule almost exclusively. 

Or the casino may have put other rules in place that push the House Advantage higher.

Expert Tip

If you can, always play the double deck and not the shoe.

The Double Deck Blackjack Cheat Sheets

Here’s the ‘Dealer hits a soft 17’ chart – which is the rule you’re going to see most often.

Double Deck, Dealer Hits on Soft 17
Player's Hand Dealer's Up Card
HARD 2 3 4 5 6 7 8 9 10 A
18+ S S S S S S S S S S
17 S S S S S S S S S Rs
16 S S S S S H H H Rh Rh
15 S S S S S H H H Rh Rh
14 S S S S S H H H H H
13 S S S S S H H H H H
12 H H S S S H H H H H
11 Dh Dh Dh Dh Dh Dh Dh Dh Dh Dh
10 Dh Dh Dh Dh Dh Dh Dh Dh H H
9 Dh Dh Dh Dh Dh H H H H H
4-8 H H H H H H H H H H
 
SOFT 2 3 4 5 6 7 8 9 10 A
20+ S S S S S S S S S S
19 S S S S Ds S S S S S
18 Ds Ds Ds Ds Ds S S H H H
17 H Dh Dh Dh Dh H H H H H
16 H H Dh Dh Dh H H H H H
15 H H Dh Dh Dh H H H H H
14 H H Dh Dh Dh H H H H H
13 H H H Dh Dh H H H H H
 
PAIR 2 3 4 5 6 7 8 9 10 A
A,A P P P P P P P P P P
9,9 P P P P P S P P S S
8,8 P P P P P P P P P Rp
7,7 P P P P P P Ph H H H
6,6 P P P P P Ph H H H H
4,4 H H H Ph Ph H H H H H
3,3 Ph Ph P P P P H H H H
2,2 Ph Ph P P P P H H H H
 
KEY H = Hit
S = Stand
Ds = Double if allowed, otherwise Stand
Dh = Double if allowed, otherwise Hit
P = Split
Ph = Split if double after split is allowed, otherwise Hit
Rp = Surrender if allowed and double after split not allowed, otherwise split
Rh = Surrender if allowed, otherwise Hit
Rs = Surrender if allowed, otherwise Stand

And the ‘Dealer stands on a soft 17’ chart:

Double Deck, Dealer Stands on Soft 17
Player's Hand Dealer's Up Card
HARD 2 3 4 5 6 7 8 9 10 A
17+ S S S S S S S S S S
16 S S S S S H H H Rh Rh
15 S S S S S H H H Rh H
14 S S S S S H H H H H
13 S S S S S H H H H H
12 H H S S S H H H H H
11 Dh Dh Dh Dh Dh Dh Dh Dh Dh Dh
10 Dh Dh Dh Dh Dh Dh Dh Dh H H
9 Dh Dh Dh Dh Dh H H H H H
5-8 H H H H H H H H H H
 
SOFT 2 3 4 5 6 7 8 9 10 A
19+ S S S S S S S S S S
18 S Ds Ds Ds Ds S S H H H
17 H Dh Dh Dh Dh H H H H H
16 H H Dh Dh Dh H H H H H
15 H H Dh Dh Dh H H H H H
14 H H H Dh Dh H H H H H
13 H H H Dh Dh H H H H H
 
PAIR 2 3 4 5 6 7 8 9 10 A
A,A P P P P P P P P P P
9,9 P P P P P S P P S S
8,8 P P P P P P P P P P
7,7 P P P P P P Ph H H H
6,6 P P P P P Ph H H H H
4,4 H H H Ph Ph H H H H H
3,3 Ph Ph P P P P H H H H
2,2 Ph Ph P P P P H H H H
 
KEY H = Hit
S = Stand
Ds = Double if allowed, otherwise Stand
Dh = Double if allowed, otherwise Hit
P = Split
Ph = Split if double after split is allowed, otherwise Hit
Rh = Surrender if allowed, otherwise Hit
Rs = Surrender if allowed, otherwise Stand

Download the Blackjack Cheat Sheet

And the differences between the two charts:

Your Hand Dealer's Card Dealer Hits Soft 17 Dealer Stands Soft 17
15 Ace Surrender, otherwise Hit Hit
17 Ace Surrender, otherwise Stand Stand
Ace, 3 4 Double if allowed, or Hit Hit
Ace, 7 2 Double if allowed, or Stand Stand
Ace, 8 6 Double if allowed, or Stand Stand
8,8 Ace Surrender if allowed, with double after Split not allowed, otherwise Split Split

6-deck shoe Blackjack Cheat Sheet charts

These two are the 6-deck shoe versions of the Blackjack Cheat Sheet.  The first one is for when the dealer hits a soft 17, and the second one is for when the dealer stands on a soft 17. 

6-Deck Dealer Hits a Soft 17 Chart

6 Decks, Dealer Hits on Soft 17
Player's Hand Dealer's Up Card
HARD 2 3 4 5 6 7 8 9 10 A
18+ S S S S S S S S S S
17 S S S S S S S S S Rh
16 S S S S S H H Rh Rh Rh
15 S S S S S H H H Rh Rh
14 S S S S S H H H H H
13 S S S S S H H H H H
12 H H S S S H H H H H
11 Dh Dh Dh Dh Dh Dh Dh Dh Dh Dh
10 Dh Dh Dh Dh Dh Dh Dh Dh H H
9 H Dh Dh Dh Dh H H H H H
4-8 H H H H H H H H H H
 
SOFT 2 3 4 5 6 7 8 9 10 A
20+ S S S S S S S S S S
19 S S S S Ds S S S S S
18 Ds Ds Ds Ds Ds S S H H H
17 H Dh Dh Dh Dh H H H H H
16 H H Dh Dh Dh H H H H H
15 H H Dh Dh Dh H H H H H
14 H H H Dh Dh H H H H H
13 H H H Dh Dh H H H H H
 
PAIR 2 3 4 5 6 7 8 9 10 A
A,A P P P P P P P P P P
10,10 S S S S S S S S S S
9,9 P P P P P S P P S S
8,8 P P P P P P P P P Rp
7,7 P P P P P P H H H H
6,6 P P P P P H H H H H
5,5 Dh Dh Dh Dh Dh Dh Dh Dh H H
4,4 H H H P P H H H H H
3,3 P P P P P P H H H H
2,2 P P P P P P H H H H
 
KEY H = Hit
S = Stand
Ds = Double if allowed, otherwise Stand
Dh = Double if allowed, otherwise Hit
P = Split
Rp = Surrender if allowed and double after split not allowed, otherwise split
Rh = Surrender if allowed, otherwise Hit

6-Deck Dealer Stands on a Soft 17 Chart

6 Decks, Dealer Stands on Soft 17
Player's Hand Dealer's Up Card
HARD 2 3 4 5 6 7 8 9 10 A
17+ S S S S S S S S S S
16 S S S S S H H Rh Rh Rh
15 S S S S S H H H Rh H
14 S S S S S H H H H H
13 S S S S S H H H H H
12 H H S S S H H H H H
11 Dh Dh Dh Dh Dh Dh Dh Dh Dh H
10 Dh Dh Dh Dh Dh Dh Dh Dh H H
9 H Dh Dh Dh Dh H H H H H
5-8 H H H H H H H H H H
 
SOFT 2 3 4 5 6 7 8 9 10 A
19+ S S S S S S S S S S
18 S Ds Ds Ds Ds S S H H H
17 H Dh Dh Dh Dh H H H H H
16 H H Dh Dh Dh H H H H H
15 H H Dh Dh Dh H H H H H
14 H H H Dh Dh H H H H H
13 H H H Dh Dh H H H H H
 
PAIR 2 3 4 5 6 7 8 9 10 A
A,A P P P P P P P P P P
10,10 S S S S S S S S S S
9,9 P P P P P S P P S S
8,8 P P P P P P P P P P
7,7 P P P P P P H H H H
6,6 P P P P P H H H H H
5,5 Dh Dh Dh Dh Dh Dh Dh Dh H H
4,4 H H H P P H H H H H
3,3 Ph Ph P P P P H H H H
2,2 P P P P P P H H H H
 
KEY H = Hit
S = Stand
Ds = Double if allowed, otherwise Stand
Dh = Double if allowed, otherwise Hit
P = Split
Ph = Split if double after split is allowed, otherwise Hit
Rh = Surrender if allowed, otherwise Hit

Download the Blackjack Cheat Sheet

The Differences Between the 6-Deck Hits a Soft 17 (H17) and Stands on a Soft 17 (S17)

These are the only differences between the two 6-Deck charts:

Your Hand Dealer's Card Dealer Hits Soft 17 Dealer Stands Soft 17
11 Ace Double down if allowed, otherwise Hit Hit
15 Ace Surrender if allowed, otherwise Hit Hit
17 Aces Surrender if allowed, otherwise Stand Hit
Ace, 7 2 Double if allowed, or Stand Stand
Ace, 8 6 Double if allowed, or Stand Stand
8,8 Ace Surrender if allowed, otherwise Split Split

How to Use the Blackjack Cheat Sheet

All the charts are simple to understand.

The numbers along the top edge represent the dealer’s up card.

The numbers on the left-hand side of the chart represent the total of your initial two-card hand. 

  • Top Third Numbers = Your hand with a hard total
  • Middle Third Numbers = Your hand with a Soft total
  • Bottom Third Numbers = Your hand if it’s a pair

The very bottom of the chart includes the keys to the course of action you should take.  These include whether you should Hit, Stand, Double Down, Split, or Surrender.

For the ‘Dealer Hits a Soft 17 Double Deck chart’, here are a couple of examples:

  • If the dealer has a 7, and your hand is a soft 18 (An Ace and a 7), you should Stand.  But if the dealer has a 6 up card, you should Double Down if you’re allowed to, otherwise Stand.
  • If your hand is a hard 17, and the dealer’s up card is an Ace, you should Surrender if you’re allowed to, otherwise Stand.

Can I Use the Cheat Sheet in a Casino?

Short answer?  Yes, you certainly can.  The casinos are so comfortable that even the strong basic strategy player cannot overcome the house edge, they often sell basic strategy cards in their gift shops and definitely allow the players to refer to their cards on the table.

So you will have no issues about using one at all.

Expert’s Advice

Using the Blackjack Cheat Sheet will give you a much better opportunity to win.

Basic Strategy is the first ‘must-have’ if you’re going to have a realistic chance of winning consistently playing blackjack, either online or in a bricks-and-mortar casino.

And you really need to spend the time learning it for the specific game you’re playing.  It really does make a difference to your expected win/loss.

You can have the charts available to you when playing online, but you can also have them on the table with you in a land-based casino.

Author Tip

To really make a difference, you need to learn how to count cards.

It’s not as hard as you think.  No, really, it’s not.

Read my article on counting cards. It’s a breakdown of how to become a good card counter, and includes how to count, how to disguise your play, bankroll management, the best system to use, and I recommend a couple of good books to read and so on.

Because once you can count cards (and btw, counting cards is not illegal), you can swing the odds in your favor.

Does that mean you’re going to win every time you play? 

No – of course not.

But you will be able to win more often than you lose – and that’s a good thing.

Conclusion

So there you have it – Blackjack Cheat Sheets and why you need one.

No more indecision, no more ‘what am I supposed to do now’ on the table.

And good luck.

Blackjack Cheat Sheet FAQs

What is ‘Insurance’ and should I bet it?

Insurance is an additional bet that is offered by the casino if the dealer is showing an Ace as their up card.  If you take the Insurance bet, it means you are betting that the dealer has a 10-value card as their hole card and therefore has a blackjack.

There are 13 possible cards ‘in the hole’, and 4 of them are 10-value cards.  Which means 9 of them are not.  The House Edge on the dealer having a blackjack is about 6%.  So it’s not a good bet for you to make.

Is using the Blackjack Cheat Sheet a good way to play?
Yes, it is, it’s a great way to play. The Cheat Sheet (which isn’t cheating at all) is actually a Basic Strategy chart, and it will help you minimize your losses and maximize your opportunity to win. Using Basic Strategy is the first step in becoming a great blackjack player – without Basic Strategy, you will never be able to play at the highest level.
How do I use the Cheat Sheet?

The numbers on the left side of the chart represent your hand, whether it’s a hard hand, a soft hand or a pair, and the numbers across the top of the chart represent the dealer’s up card.  Find the square that corresponds to both, and it will give you the correct play for those hands.

 And as a quick heads up, Surrender is perhaps the best-kept secret in the casino business.  It’s a legitimate tactical play, but for some reason most players don’t do it, even when they should.

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Peter Nairn

Peter Nairn

Casino Operations Specialist

  • Linkedin icon
  • Email icon

About Peter Nairn

  • Over 3 decades of experience in casino operations management, with a focus on Table Games and Slots;
  • Senior executive positions in both Native American and traditional casino markets for companies like Harrah’s New Orleans and Minnesota-based Grand Casinos;
  • Hands-on experience as trainer and dealer of multiple casino games including: Blackjack, Roulette, Craps, and more;
  • Profound knowledge of Title 31 regulations, State compacts, and Federal MICS.
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