Hard 16 vs dealer 10: hit, stand, or surrender?
Surrender (hit if surrender is not offered). Hard 16 against a dealer 10 is played the same way whether the dealer hits or stands on soft 17.
- Dealer hits soft 17SurrenderIf surrender is not offered: hit
- Dealer stands on soft 17SurrenderIf surrender is not offered: hit
- Hit: take one more card.
- Surrender: give up the hand at once for a smaller, fixed loss. Only as your first decision, and only where the table offers it.
Why
Some hands are bad enough that surrendering half the hand beats playing them out. This is one of the few spots where cutting losses is the mathematically best play.
Hard 16 means no ace is being counted as 11. Two-card ways to make it: 10 + 6, 9 + 7 (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 8s vs dealer 10.
The numbers
- A dealer 10 busts about 23% of the time, counted after the dealer has checked for blackjack.
- Taking one card on a hard 16 busts about 62% of the time.
| Dealer rule | 17 | 18 | 19 | 20 | 21 | Bust |
|---|---|---|---|---|---|---|
| Either dealer rule | 12% | 12% | 12% | 37% | 4% | 23% |
| Play | Either dealer rule |
|---|---|
| Surrender (where offered) | -0.50best |
| Hit | -0.53 |
| Stand | -0.54 |
| Double down | -1.07 |
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 16 vs dealer 10
What is the correct play for hard 16 against a dealer 10?
Surrender (hit if surrender is not offered). 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 16 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.
What if surrender is not offered?
Then hit. Late surrender is only offered as your first decision, after the dealer has checked for blackjack, and not every table offers it.
Why surrender with hard 16 against a dealer 10?
Some hands are bad enough that surrendering half the hand beats playing them out. This is one of the few spots where cutting losses is the mathematically best play.
Does the play change if hard 16 has more than two cards?
Yes. Double down and surrender are only available on your first two cards, so with three or more cards, hit.
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.