Blackjack Side Bets in New England Casinos

According to John Grochowski, side bets in Blackjack are offered for two basic reasons, “….to add a little excitement for players who want more out of the game than trying to grind out a profit one bet at a time, and to increase action to generate more profit for the house.”

What are the side bets offered in New England’s Casinos for Blackjack?  And are they worth playing?

We will list the side bets, explain a little about them, and give John Grochowsk’s take on if it’s worth it.  Keep in mind some side bet paytables differ even with the same game.  My suggestions is to check out the Wizard of Odds for more on side bets variance for blackjack.

Match The Dealer

In New England’s casinos, there are a variety of side bets.  The most popular is Match the Dealer, which can be found at Mohegan Sun, Foxwoods and Twin River in Rhode Island.  

The Match the Dealer side bet pays when either of the player’s first two cards match the dealer’s up card. According to Traditional blackjack, the payouts are as follows:

  • 1 non-suited match pays 4 to 1;
  • 2 non-suited matches pay 8 to 1;
  • One suited match pays 11 to 1;
  • One suited match and one non-suited match pay 15 to 1;
  • 2 suited matches pay 22 to 1.

According to many players, this side bet has a fixed house advantage that is fairly high, several times higher than blackjack. Not a good bet.

Lucky Ladies

Lucky Ladies side bet c an be found at the HOLLYWOOD Casino, Hotel & Raceway in Bangor, ME. LUCKY LADIES™ BONUS BET is a side bet based on the player’s first two cards and the dealer’s up card. As far as I know, it is the first side bet to be based on the player’s first two cards and the dealer’s up card. Since it came out, there have been many imitators.  Lucky Ladies is also known as, “The 20 Point Bonus Wager” point count of their first 2 cards equals 20.

PAYOUT SCHEDULE – First two cards: Queen of Hearts Pair (with Dealer Blackjack) = 1,000 to 1; Queen of Hearts Pair = 125 to 1; Matched 20 = 19 to 1, Suited 20 = 9 to 1;  Any 20 = 4 to 1

JG – Lucky Ladies: There’s the possibility of huge wins here, with a 1,000-1 bonanza if the player is dealt two queens of hearts while the dealer has a blackjack, or 125-1 on a pair of heart ladies regardless of the dealer hand. In the version I’ve seen, there’s also a 19-1 payoff on a 20 if both cards are the same rank and suit, 9-1 on a suited 20 on cards of different ranks, such as jack-king, or 4-1 on an unsuited 20.
That’s an attraction, to be sure, but at a 24.71 percent house edge, the cost is high. Average loss per hour is a whopping $14.83 of the $60 at risk. That dwarfs the average blackjack loss for a $10-a-hand basic strategy player, and is even higher than the loss for an average player.
Think about it: That extra $1 per hand more than doubles the average loss for a $10 blackjack bettor who is just an average player.
For those who don’t limit the side bets to a buck, just multiply by your bets. Make the side bets equal to your $10 blackjack bets, and average losses shoot up to about $20 an hour in 21 + 3, $40 in Royal Match, and $148 in Lucky Ladies.


This side bet, found at Oxford Casino, in Oxford,ME., pays based on the player’s first two cards and the dealer’s up card. If the three cards equal a flush, straight, straight flush, or three of a kind the side bet pays 9 to 1.  It does come in various versions according to the number of decks.

JG – “21 + 3: At mostly full tables, the $1 side bets mean a risk of $60 per hour. The 3.24 percent house edge means a few pennies shy of $2 extra in the house coffers. For basic strategy players, that’s just $1 less than the losses from betting 10 times as much on the main game.
Average players who are losing $12 an hour might find that extra two bucks palatable for the chance at 9-1 payoffs if their two cards plus the dealer’s up card form a flush, straight or three of a kind. It’s a much smaller leap from their regular loss rate of $1.20 per $60 wagered.

“In BETween”

This blackjack side bet has been seen a few places here and there, and in New England, it’s found found at Oxford Casino. According to Mike Shackelford, the “Wizard of Odds” himself, “The goal is for one card to fall between two others in rank. In this case, the primary goal is the dealer’s up card to fall between the player’s initial two cards.”


The “Super Four” side bet in Mohegan Sun is the only location to offer it in New England.  Here’s more on the bet:

  • The side bet is $5 and $5 only.
  • The circle will be to the left of the blackjack bet as Match The Dealer will be retained in it’s usual place.
  • Super 4 is a progressive blackjack side bet based on the four cards consisting of the player’s and dealer’s initial two cards.
  • In both, the player wins on a dealer blackjack. The amount of the win depends on the poker value of all four cards.

One gentleman walked away feeling very lucky on July 12th after hitting the Super 4 Diamonds bonus jackpot totaling $347,456.

At Foxwoods, Blackjack Match Progressive is offered. Here’s more on the bet:

  • Blackjack Match is a side bet that wins if the player and/or the dealer have a blackjack.
  • The value of the win is maximized if the blackjacks are suited and match.
  • Unlike most other progressive side bets, this one costs $5 instead of $1 and are on a “for one” basis, meaning the original wager is not returned on a win.
  • On the top two awards, there is an “Envy Bonus,” which means a win for every other player at the table who made the side bet.


We visited all 7 New England Casinos this summer.  This is part of what we found.  More comparisons and info will be presented throughout the fall.

That’s all for now.


New England Blackjack Report by Joe Freda

Last year we were happy to announce a new friend of the NETimeGambling group.  It’s time to post his report and add it to our “Games & Strategy” Menu. Enjoy.

Joe Freda has frequented casinos throughout New England during the past two decades, while also writing for the popular gambling sites of Blackjack Insider ( and Don Best Sports( Freda can be reached at or through Twitter (@ReloadSports).

New England Blackjack Report

by Joe “Reload” Freda

After making the rounds up and down I-95 over the past few months, I have had my share of blackjack adventures to report on for NETime Gambling. As we await the gambling ‘shuffle’ in Massachusetts to be dealt out, five major casinos in the region stand tall with their share of different conditions.

Foxwoods Resort Casino

Foxwoods Resort Casino

Foxwoods Resort Casino

The main floors in Mashantucket deal eight deck shoes with the house hitting soft 17’s, while high-limit rooms in Fox Tower, Club Newport, and Stargazer feature six decks and the more favorable “S17” rules. Surrender is offered throughout, and penetration runs a deep 75-85 percent. Pits have turned up the ‘heat’ a bit in recent times to protect the bottom line, which has unfortunately left me unable to bet beyond any table’s minimum since last year. You will still find friendly dealers and staff throughout the property, making this a top pick for blackjack and other games of choice.

Mohegan Sun

Mohegan Sun

Mohegan Sun Casino

Penetration runs a tighter 65-70 percent in Uncasville, but you will find six decks and “S17” through nearly all pits. Splitting 10’s is uniquely not allowed, and surrender is offered on all tables. The “Super Four” side bet in Mohegan Sun’s blackjack has remained popular, giving you a chance at big payoffs for risking an additional $5 wager. Comp points per hour are rather sparse, but occasional “Triple Status” days give you a chance to rise up. Unlike Foxwoods limiting players to three spots of blackjack at a time, Mohegan allows you to play all six if you want to high roll with a black chip on each.

Oxford Casino

Oxford Casino

Oxford Casino

Oxford deals eight decks throughout its casino, with penetration averaging a deep 80 percent. The house hits the soft 17 and surrender is not offered. One higher-limit table ($50 minimum) is tucked away in back of the main floor, but no different rules are used. Auto-shufflers take care of the cards between shoes, keeping the action fast and moving. While all drinks have to be paid for, you can request a food comp for the restaurant. The pit crew and dealers here are some of the friendliest you will find in all of New England, including the hard-working mother/daughter team of Dianna and Nicki.

Hollywood Casino, Bangor Maine

Hollywood Casino, Bangor Maine

Hollywood Casino

The table game setup in downtown Bangor has a smaller feel to it than Oxford, with maximum bets also on the lower side ($300-500). Blackjack rules and conditions are similar to its Maine competitor (including deep penetration), with a small added advantage that Aces can be resplit. Multiple spots can be played, but you must bet double the minimum (also the case in Oxford). One table on the floor was paying blackjacks at 6/5 and was usually at the lowest minimum from the others. Also note that Hollywood is not a 24/7 casino, closing at 3 am and reopening at 8 am.

Twin River Casino

Twin River Casino

Twin River Casino

Blackjack has its share of high and low stakes in Lincoln, while nearly all tables have the house staying on soft 17. Penetration is a deep 75-80 percent through most of the main floor’s eight-deck games, while the higher-limit felt uses six decks and a more dealer-dependent cut (65-75 percent). Surrender is offered throughout all pits, but beware that showing your sharpness can book you a one-way trip to the parking lot. I have been banned from the whole property since last year despite losing five figures under its roof. If you must take the plunge here, stick to small bets and avoid being skimmed by “Skim River.”

Ocean Gaming, Hampton Beach, NH

Ocean Gaming, Hampton Beach, NH

Honorable Mention – Ocean Gaming (Hampton Beach, NH)

New Hampshire has its handful of “charity casinos” with low stakes blackjack at a $4 maximum. I have played at Rockingham Park (Salem), River Casino (Milford), and Manchester Poker Room (Manchester). My favorite spot in the “Granite State” is Ocean Gaming at Hampton Beach. The house hits the soft 17, while surrender is available. Penetration of the casino’s eight-deck shoes is deep at 75-85 percent, with tables having side bets like “Over-Under” for some added excitement. Ocean Gaming is run by Anthony Fusco, who made the rounds regularly as a Foxwoods pit manager, years ago.


Thanks to Joe, who seems to be a wealth of info.  Hopefully this will be the first of other posts by Joe.  Don’t forget to follow him at at or through Twitter (@ReloadSports).