Meet the Charlie Rule in Blackjack

Charlie Rule in Blackjack

What can casino operators do to keep the players interested in blackjack? This game is exhilarating, but let's not forget that significant results are possible only through long hours of training and practice. It is therefore unsurprising that new customers in land-based or online casinos often prefer simpler games over blackjack.

Thus, casinos must introduce rules that reduce the house edge and make the gameplay more thrilling. This approach helps attract experienced fans of the game and new players. Moreover, they offer options that appeal to the most dedicated gamblers. Thus, they put them at unreasonable risk. In the long run, it turns out that the rule that is profitable to customers also benefits the casino.

One of those innovations is the so-called Charlie rule offered in some blackjack versions.

The Charlie rule in blackjack states that a non-busting hand with a certain number of cards automatically wins.

The dealer's cards usually do not count, although, in some casinos, the croupier's natural blackjack beats Charlie's hand.

Varieties of the Charlie Rule

Depending on how many cards must be in one hand, the Charlie rule has a different name. We will briefly discuss them.

  • 5-Card Charlie. Less than five cards in hand is a common situation, so it is the minimal number for this rule. On average, five cards in hand happen once in 50 games, so this version is rare. It reduces the house edge by 1.46%, allowing the player to gain an edge over the house. Pay attention to other rules if you find a blackjack with a 5-card Charlie. Most likely, they are unprofitable for players.
  • 6-Card Charlie. Blackjack with this rule is much more standard. It lowers the house edge by 0.16%, and six cards come once in 400 games. The basic strategy tables are usually modified specifically for 6-card Charlie.
  • 7-Card Charlie. The house edge is downsized by only 0.01%. Seven cards in hand occur once in 4600 rounds. There is no need to adapt the basic strategy to this rule, so consider it a surprising bonus.
  • 8-Card Charlie. You can see it once in 79,000 games. Naturally, you should not rely on it seriously.
  • 9-Card Charlie. The odds of seeing it are 1 in 2,200,200, which speaks for itself.
  • 10-Card Charlie. Have you managed to get ten cards without busting? Grab your cell phone and take pictures. Until the end of your life, you can boast that you have a card combination with odds of about 1:100,000,000!


What Is the Catch in the Charlie Rule?

For experienced blackjack players, there are no tricks. They continue playing by the optimal blackjack strategy. But amateur gamblers tend to chase the Charlie and continue hitting when the strategy recommends other actions.

Therefore, never deviate from the optimal blackjack strategy, even if you believe that you will beat the dealer with the help of Charlie.

Here is a modification of the basic strategy for blackjack featuring the Charlie rule, developed by Michael Shackleford, the author and owner of The Wizard of Odds website.

Charlie strategy in blackjack

  • H - hit another card.
  • S - stand.
  • D - double down on two cards; otherwise, hit.
  • 1 - hit if you need one card to get a Charlie; otherwise, stand.
  • 2 - hit if you need two cards to get a Charlie: otherwise, stand.

On Casinoz, you will find reviews of blackjack games with the Charlie rule.

Frequently asked Questions

💎 What is the Charlie rule in blackjack?

The Charlie rule means that your hand with a specific number of cards automatically beats the dealer's hand. Of course, you must have no more than 21 points in your hand. 

🤔 How does the Charlie rule affect the player's strategy?

The presence of a Charlie rule fundamentally shifts a player's strategy, particularly when holding hands that would typically be considered "stiff" (12-16) against a dealer's upcard. With a Charlie rule in play, players become more inclined to hit these hands, as every additional card brings them closer to the automatic win condition. This is especially true for lower-value cards, as they contribute to the card count without significantly increasing the risk of busting. The mathematical expectation of drawing another card changes, making it more favorable to continue hitting even on hands that might normally call for a stand.

🙋‍♂️ Is the Charlie rule common in blackjack games?

No, the Charlie rule is not very common in land-based casinos or even in most online blackjack games. It's considered a player-friendly rule that reduces the house edge, and as such, casinos generally prefer not to offer it. When it is found, it's often in specific promotional games or at tables with other less favorable rules to compensate for the advantage it provides. However, some online blackjack variations or specialized casino platforms might incorporate it as a unique feature to attract players.

👌 Does the Charlie rule guarantee a win?

While the Charlie rule provides an automatic win under specific conditions, it does not guarantee a win in every hand. A player still needs to avoid busting (exceeding 21) while accumulating the required number of cards. If a player busts before reaching the Charlie card count, they still lose the hand in the traditional manner. It simply offers an additional pathway to victory that bypasses the dealer's hand.

📄 How does the Charlie rule impact the house edge?

The Charlie rule significantly reduces the house edge in blackjack. By providing an automatic win for players under certain circumstances, it shifts the mathematical advantage more towards the player. The exact reduction in the house edge depends on the specific Charlie rule (e.g., 5-card Charlie offers a greater advantage than 7-card Charlie) and other rules present at the table. Casinos that offer the Charlie rule will often compensate by implementing other rules that increase the house edge, such as less favorable payout ratios for blackjack, restrictions on doubling down, or limitations on splitting pairs, to maintain their profitability.

Denis Anipchenko
Denis Anipchenko
Editor-in-chief and online gambling expert

Denis is a true professional with many years of experience in the gambling industry. His career started back in the late nineties when he worked as a croupier, pit boss, manager and casino manager. This unique experience allowed him to deeply understand the world of gambling from the inside. Since the late noughties Denis has dedicated himself to writing articles and analyses about gambling, and since the early tens he has become a key figure in the Casinoz team. Here he not only writes and edits content, but also creates reviews, shares his expertise and helps readers understand the intricacies of gambling. Denis combines practical experience and in-depth knowledge, making him one of the most respected experts in the industry. His writings are always up-to-date, proven and useful information for anyone interested in the casino world.

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Facts checked Alex Vasilev Scientific editor and fact checker
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