21+3 Blackjack Rules Explained

Within this guide, we take a look at the 21+3 Blackjack side bet. To know about 21+3 Blackjack rules explained, we go through the side bet as a whole. The bet is extremely popular among online blackjack games and is found in many variants. Have a read through this guide for more information on the topic.

21+3 Blackjack Rules Explained

In most online games of Blackjack, the 21+3 side bet is an option. Essentially, this comes at a minimum cost and is purely a side bet that any player can place. It does not affect how the base game plays out. You can lose the base game but win your side bet. The same is true and vice versa.

To play 21+3, you will have to have a general knowledge of poker. That is because the side bet is made up of combining the player’s two face-up cards and the dealer’s face-up card. Thus, by combining these three cards, you will have to try and form strong poker hands.

Essentially, the 21+3 side bet in Blackjack is a superb way of making a bit extra when playing blackjack. It is one of the most popular side bets to bet on when playing blackjack online.

How to Play 21+3

Essentially, when you decide to sit at one of the best online blackjack games that have the 21+3 side bet involved, you test your luck with the two cards that you have and the dealer’s face-up card.

21+3 Blackjack Rules Explained
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If you can form one of five different poker hands, you will claim the bonus win. However, the payouts for these may vary, depending on the casino and the game provider.

Essentially, however, we give you the standard that is used for most 21+3 side bets at most casinos below:

  • Flush
  • Straight
  • Three of a Kind
  • Straight Flush
  • Suited Three of a Kind

If you are familiar with these poker hands, you will know exactly what is required to form a winner. However, if you are not familiar with poker hands, have a read-through and we will walk you through each criterion that are required for these games to win.


The most basic combination for 21+3 is to have three cards with an identical suit. That is to say, your first two cards and the dealer’s card should all be either Hearts, Clubs, Spades, or Diamonds. For instance, the 3 of Hearts, 7 of Hearts, and Jack of Hearts. If you can match these three cards, the standard payout for a Flush is 5:1.


The slightly more difficult-to-win combination is a Straight. Essentially, this is a combination that is made up of cards within numerical order.

21+3 Blackjack Rules Explained
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For instance, if the player can land a 4, 5, 6. In this scenario, the suit and color of the cards are irrelevant. The only important thing is the consecutive format. An example of this is the 10 of Spades, Jack of Clubs, and Queen of Diamonds. The payout tends to be 10:1 for a Straight.

Three of a Kind

Next up on the list is the Three of a Kind. This is made up when your first two cards and the dealer’s face-up card reveal three cards that have the same value. The suit and colors of the card do not matter. For instance, if you have 6 of Clubs and 6 Diamonds, whilst the dealer reveals a 6 of Spades, you win. The standard payout for Three of a Kind is 30:1.

Straight Flush

In this scenario, a Straight Flush is formed when you arcanand cards with the same suit in consecutive order. As the name suggests, it is just a straight and a flush at the same time. An example of a straight flush is having the 7, 8, and 9 of Clubs on the table. When you can do so, the payout for a Straight Flush tends to be 40:1.

Suited Three of a Kind

The most rewarding and biggest payout in the 21+3 side bet is the Suited Three of a Kind. As this article on 21+3 blackjack rules explained for the side bet will tell you, this is the most difficult to land but also the most rewarding.

21+3 Blackjack Rules Explained
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To have a suited Three of a Kind means to reveal three of the same cards. That is to say, the same value, the same color, and the same suit. An example of this is having three 7s of Spades on the table. When you can achieve this feat, the Suited Three of a Kind tends to pay at 100:1.

Using the 21+3 Side Bet

To use the 21+3 side bet successfully, you will have to find a blackjack game online that has this offer. Not all games will include 21+3 but the majority will. After all, it is considered to be the most popular side bet for blackjack players.

On the off chance that you come across a fantastic online blackjack game that does not have 21+3, you should be aware that this game may have Perfect Pairs instead. Perfect Pairs is also highly popular and considered to be sitting at the top of the pile – along with 21+3 – as the most popular side bets for online blackjack. In case you come across this, here is what you need to know to play Perfect Pairs.

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Perfect Pairs

This is a very common side bet and it wins if the player’s first two cards form a pair. Usually, it will offer payouts for three different types of pairs:

  • Mixed Pair –Two cards of the same value, but from different suits and different colors. For example, 9 Hearts and 9 Clubs. It usually pays at 5:1
  • Colored Pair –Two cards of the same value and  the same color. For example, 4 Diamonds and 4 Hearts. It usually pays at 12:1.
  • Perfect Pair –Two identical cards. For example, two Aces of Diamonds. It usually pays at 25:1.

The Bottom Line

Thus, now that you know all about the 21+3 Blackjack rules explained, we hope that you will be able to use this newly acquired knowledge to good use. Whenever you are ready to test out your luck in 21+3, simply head on over to one of our best online blackjack casinos. Over there, you will be able to test your luck out with the side bet and go for the big Suited Three of a Kind winner.