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GTA Online Blackjack Strategy

The rules shown in the game, and the best move for every hand under them.

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Basic strategy says
Play standard basic strategy. Dealer stands on soft 17, double after split is allowed

GTA Online blackjack uses ordinary rules, so the standard chart is the right one. The rules below come from the game's own rules screens, and the chart is the one for a dealer who stands on soft 17 with double after split and no surrender.

The rules that matter

These are the rules shown on the game's rules screens at the Diamond Casino tables, and what each one means for how you play.

Rule in GTA OnlineWhat it means for you
Four decks, shuffled at the start of every handCards from earlier hands never matter, so there is nothing to count. Every hand starts from a full shoe.
Dealer stands on soft 17This is the better rule for you. The calculator is preset to it. See dealer hits or stands on soft 17.
Double on your first two cards for one card, also after a splitDouble after split is allowed, which makes some small pairs worth splitting.
You can split onceA split hand cannot be split again. See the tip on 8s below.
Seven-Card CharlieDrawing seven cards without busting wins automatically. It is rare, and the standard chart still applies.
Blackjack pays 3 to 2; other wins pay even moneyThe good payout. Check it when you play other games.
Insurance is not offeredYou never have to decide. See why insurance loses money.
Bet limits of 10 to 5,000 chipsBasic strategy is the same at any bet size.

The strategy chart for GTA Online

This is the chart for the rules above. Dealer card across the top. For the strict chart with other rules, see the printable strategy chart.

Hard totals

2345678910A
8 or lessHHHHHHHHHH
9HDDDDHHHHH
10DDDDDDDDHH
11DDDDDDDDDH
12HHSSSHHHHH
13SSSSSHHHHH
14SSSSSHHHHH
15SSSSSHHHHH
16SSSSSHHHHH
17+SSSSSSSSSS

Soft totals

2345678910A
A,2HHHDDHHHHH
A,3HHHDDHHHHH
A,4HHDDDHHHHH
A,5HHDDDHHHHH
A,6HDDDDHHHHH
A,7SDsDsDsDsSSHHH
A,8SSSSSSSSSS
A,9SSSSSSSSSS

Pairs

2345678910A
A,APPPPPPPPPP
2,2PPPPPPHHHH
3,3PPPPPPHHHH
4,4HHHPPHHHHH
5,5DDDDDDDDHH
6,6PPPPPHHHHH
7,7PPPPPPHHHH
8,8PPPPPPPPPP
9,9PPPPPSPPSS
10,10SSSSSSSSSS
H HitS StandD Double (else hit) · Ds Double (else stand)P SplitR Surrender (else hit; 17 v A else stand; 8,8 v A else split)

There is no surrender in GTA Online, so ignore any R in other charts. Where it says to double and you cannot, such as after taking a third card, take the second choice shown.

Quick rules for GTA Online

  • Always split aces and 8s. Never split 10s or 5s. See when to split pairs.
  • Always stand on hard 17 or more.
  • Double 11 against a dealer 2 to 10, and 10 against a dealer 2 to 9. See when to double down.
  • Stand on 12 to 16 against a dealer 2 to 6 (hit 12 against a 2 or 3). Hit them against a 7 or higher.
  • Never stand on soft 17 (ace and 6), and play ace-7 carefully. See soft 18.

After you split: one tip that is easy to miss

Because you can only split once, a split hand that gets a second 8 cannot be split again. Play it as a hard 16 instead. Against a dealer 2 to 6, stand. Against a 7 or higher, hit. Surrender is not an option in GTA Online, so that is the plain hard 16 row of the chart above.

You can still double after a split when the chart says to, for example a 10 or 11 made with a new card.

Does the seven-card rule change anything?

Not in a way that matters. I solved the hit or stand decision exactly with an automatic win at seven cards. Only hands of five or six cards change (for example, hitting a six-card hard 13 against a 2). Those hands almost never happen, so the standard chart is right for all of them.

How much does the house take?

With perfect basic strategy, the closest standard rules (dealer stands on soft 17, double after split, 3 to 2 blackjack, no surrender) give a house edge of about 0.51% in an infinite-deck model. GTA Online's single split and seven-card win change that by a small amount, and I have not calculated those separately. The point is the same as for any blackjack game: it is a low edge if you play the chart, and a much higher one if you do not. See blackjack house edge by rules.

It is a virtual game with chips, so the aim is to play well and enjoy it. Basic strategy cannot guarantee a win on any hand.

More blackjack strategy guides

Blackjack basic strategy chartA printable chart for hard totals, soft totals and pairs that changes with your table rules.16 against a dealer 10Hit, stand or surrender? The numbers behind blackjack's most famous decision.Soft hands strategyHow to play soft 13 to soft 20, such as ace and 7 or ace and 6.Soft 18 (ace-7)Stand, hit or double? The hand that is most often played wrong.When to double downWhich hands to double on 9, 10 and 11, and the close calls.When to split pairsWhich pairs to split against each dealer card, and which never to split.Should you split 9s?Split against some dealer cards, stand against others, and why.When to surrenderThe few hands where giving up half your bet is the best move.Dealer hits or stands on soft 17What the rule changes and which plays are different.Blackjack insuranceWhy the side bet loses money, and what even money means.Blackjack house edgeHow much the casino wins, and how much each rule changes it.

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Frequently asked questions

What is the best strategy for GTA Online blackjack?

Standard basic strategy for a dealer who stands on soft 17, with double after split allowed and no surrender. The chart on this page is for those rules.

Can you count cards in GTA Online blackjack?

No. The game shuffles four decks at the start of every hand, so cards from earlier hands tell you nothing.

Is insurance offered in GTA Online blackjack?

No. The game's rules say insurance is not offered when the dealer shows an ace.

Can you split more than once in GTA Online?

No. You can split your hand once. If a split hand gets another pair, play it as a normal hand.

What is Seven-Card Charlie in GTA Online?

If you draw seven cards without going bust, you win automatically. It rarely happens and does not change the standard advice.

Does the GTA Online dealer hit soft 17?

No. The dealer stands on soft 17.