Hard 10 vs dealer 10: hit, stand, or double down?
Hit. Hard 10 against a dealer 10 is played the same way whether the dealer hits or stands on soft 17.
- Dealer hits soft 17Hit
- Dealer stands on soft 17Hit
- Hit: take one more card.
Why
Hard 9, 10, and 11 are the doubling totals, but only against dealer cards that are weak enough. Against a dealer 10, a plain hit does better on average than doubling down, so take one card and play on.
Hard 10 means no ace is being counted as 11. Two-card ways to make it: 8 + 2, 7 + 3, 6 + 4 (a 10 can be a 10, jack, queen, or king). When the two cards are a pair, the pair chart applies instead: see Pair of 5s vs dealer 10.
The numbers
- A dealer 10 busts about 23% of the time, counted after the dealer has checked for blackjack.
- A hard 10 cannot bust on one card.
| Dealer rule | 17 | 18 | 19 | 20 | 21 | Bust |
|---|---|---|---|---|---|---|
| Either dealer rule | 12% | 12% | 12% | 37% | 4% | 23% |
| Play | Either dealer rule |
|---|---|
| Hit | +0.03best |
| Double down | -0.01 |
| Surrender (where offered) | -0.50 |
| Stand | -0.54 |
Scoring: a win scores +1, a loss -1, a tie 0, and a doubled hand counts twice. Surrender scores -0.50. Hit means take a card, then play on as well as possible. These are averages over many hands from the strategy audit behind the app, rounded and approximate. Any single hand can go either way.
Rules assumed
- 4, 6, or 8 decks (the chart is the same for all three)
- The dealer checks for blackjack when showing a 10 or an ace, before you act
- Double down is allowed on any first two cards
- Double after split is allowed
- Late surrender is offered, as your first decision only
- Split up to four hands; split aces get one card each and cannot be resplit
One-deck and two-deck games, tables without surrender, and dealers who do not check for blackjack change some plays. Check your table's rules before relying on any chart.
Both soft 17 rules are shown. The two charts differ on only 6 of 360 hands: see the dealer hits and dealer stands charts. The plays come from the verified 4 to 8 deck tables behind the Blackjack Trainer app (bs_4to8_h17_peek and bs_4to8_s17_peek).
Common questions: Hard 10 vs dealer 10
What is the correct play for hard 10 against a dealer 10?
Hit. This is basic strategy for 4 to 8 decks, and it is the same whether the dealer hits or stands on soft 17.
Does the soft 17 rule change hard 10 against a dealer 10?
No. The play is the same whether the dealer hits or stands on soft 17. Only a handful of hands on the chart change with that rule, and this is not one of them.
Why hit with hard 10 against a dealer 10, and not stand?
Hard 9, 10, and 11 are the doubling totals, but only against dealer cards that are weak enough. Against a dealer 10, a plain hit does better on average than doubling down, so take one card and play on. Average result per hand over many hands (a win scores +1, a loss -1): when the dealer hits soft 17, hitting scores +0.03 and standing scores -0.54; when the dealer stands on soft 17, hitting scores +0.03 and standing scores -0.54.
Is doubling down better than a hit here?
No. Basic strategy hits here, because doubling down does worse on average against a dealer 10. Average result per hand over many hands (a win scores +1, a loss -1): when the dealer hits soft 17, hitting scores +0.03 and doubling down scores -0.01; when the dealer stands on soft 17, hitting scores +0.03 and doubling down scores -0.01.
Does the play change if hard 10 has more than two cards?
No. This chart uses only your total and the dealer card, not how many cards made the total. Exact card makeup can shift a few close calls by a fraction of a percent, which is why basic strategy ignores it.
Does this assume the dealer has already checked for blackjack?
Yes. In US-style games the dealer checks for blackjack when showing a 10 before you act, so this play applies once the dealer is known not to have one. In games where the dealer does not check, some plays change.
Does basic strategy guarantee a win?
No. It picks the play with the best average result, but any single hand can go either way, and the house keeps a small edge. This site and the Blackjack Trainer app are for practice only.