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How To Play Pontoon: Rules, Payouts and Tips to Win
In this blog post, we’ll break down the essential rules of Pontoon, a popular variation of blackjack with its own unique twists. From hitting and standing to doubling down and splitting, we’ll cover everything you need to know to start playing with confidence.
Pontoon rules
Pontoon is a fun twist on classic blackjack, but with its own unique flair. The goal is the same: get closer to 21 than the dealer without going over.
Players start with two face-up cards, while the dealer keeps both of theirs hidden. From there, you can hit (take another card), stand (stick with what you’ve got), split a pair into two separate hands, or double down to boost your bet and take one final card.
The best possible hand in Pontoon is—you guessed it—a Pontoon, which is an Ace plus any 10-value card. It beats everything, even a regular 21. One big difference? If your hand totals 14 or less, you're not allowed to stand—you have to take another card.
Card values in Pontoon
| Card | Value |
|---|---|
| Ace | 1 or 11 (depending on the hand) |
| 2-10 | Face value |
| Jack, Queen, King | 10 |
Pontoon Payouts
| Hand Type | Description | Payout |
|---|---|---|
| Pontoon | Strongest possible hand, made up of an Ace and any 10-value card | 2:1 |
| Five Card Trick | A hand consisting of five cards without exceeding 21 | 2:1 |
| Higher Total | Player's hand surpasses the dealer’s without going over 21 | 1:1 |
| Dealer Bust | Dealer exceeds 21, resulting in a win for all remaining players | 1:1 |
Tips to Win at Pontoon
Winning at Pontoon requires strategy and a good understanding of the game’s unique rules. Here are a few tips:
- Hit when your hand totals 19-21 to improve your chances.
- Double down on 11 or less to maximize potential winnings.
- Never split pairs of 4s or 5s, but always split Aces.
- Surrender when holding 15 against a dealer’s 9, 10, or Ace to minimize losses.
- Master the Five Card Trick, as it pays 2:1 and can be a game-changer.