~ @Com ~    The Effects of Rule Variation    
  On the net Since 1994
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Percent  Gain

House Rules

Average THORP BRAUN WONG HUMBLE Various sources
No Insurance       -0.4    
Two decks -0.33 -0.35 -0.16 -0.4 -0.38 -0.35
Four decks -0.51 -0.51   -0.5 -0.54 -0.50
Five decks -0.29   -0.03   -0.54  
Six decks -0.4   -0.05   -0.54 -0.6
           

Soft 17

           
Dealer hits soft 17 -0.2 -0.2 -0.2 -0.2 -0.2  
Dealer hits soft 17 only with ace up   -0.23        
Dealer hits soft seventeen is optional   -0.23        
           

Double Down

           
Double down on any two cards       0.3    
Double down on 10 & 11 only           -0.26
Double down on 9, 10, 11 only           -0.13
Forbid doubling down on            
all soft hands -0.15 -0.14 -0.1 -0.2 -0.14  
Hard 8 O O        
Hard 9 -0.12 -0.14 -0.1 -0.1 -0.14  
Hard 10 -0.54 -0.56 -0.5   -0.56  
Hard 11 -0.85 -0.89 -0.8      
Allow doubling down after splitting pairs 0.12   0.14 0.1 0.1 0.13
Allow doubling down on any 3 cards 0.19 0.19     0.19  
Allow doubling down on 3 or more cards 0.21 0.2 0.2   0.2 0.24
           

Split

           
Draw any number of cards to split aces 0.13 0.14 0.1   0.14 0.14
Forbid splitting aces   -0.16        
Forbid splitting any pair   -0.46        
Resplit aces           0.02
Further splitting of pairs:    One deck   0.05        
Two decks   0.08        
Four decks   0.11        
All pairs 2 decks, unlimited draw to split aces   0.06        
In General         0.05  
all pairs except aces 0.06 0.02 0.1      
all pairs including aces 0.2   0.2      
           

Puerto Rican  Rules

           
One Deck   -0.71        
Two Decks   -1.04        
Surrender            
Surrender   0.1        
Late surrender  (Las Vegas) 0.05   0.06   0.06 0.02
Early surrender (Atlantic City) 0.62   0.62   0.62 .62 - .72
           

Other

           
Dealer shuffles when new player enters game       -0.5    
No Hole Card         -0.13  
Dealer wins ties         -9  
A, J of spades always wins double     0.04      
Blackjack is paid double 2.32 2.32       2.32
Blackjack always wins but is paid even     -2.06      

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