New Jersey Online Blackjack

Blackjack is the most popular online casino table game in New Jersey. It’s available at all regulated New Jersey online casino sites. The game is often referred to simply as “21.”

Players start by making a bet. Some New Jersey online casinos allow play of up to three hands at one time.

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Every blackjack game offered by New Jersey casinos has a house edge under one percent.

New Jersey online blackjack variants

Most New Jersey online blackjack games are generic. They often use six or eight decks that they shuffle after each hand. Players may double down on any two cards and after splitting at most virtual New Jersey blackjack tables.

Surrender is available at a few games. The dealer stands on all 17’s about half the time but more often in a game that uses the European hole card rule.

There are a few exceptions to this, detailed below.

Live Dealer Blackjack

Live Dealer Blackjack is the latest innovation to sweep the NJ online casino market. The games are broadcast from a live studio, in real-time, but all betting is done from the comfort of one’s own home computer or mobile device.

Real-life dealers are used to run these games, and physical playing devices are used, so naturally the action is a little slower than playing a digital game — although not so slow as at a land-based casino.

Live Dealer Blackjack is currently available at Golden Nugget Casino, and soon will be making its way to Betfair Casino. Golden Nugget Casino also spreads Live Dealer Roulette and Baccarat.

For more on Live Dealer Blackjack and other Live Dealer games, check out our comprehensive overview here.

Side Bet Blackjack

Side Bet Blackjack is spread at Borgata, Party Poker and Pala Casino. The rules for the blackjack game itself vary a bit. Borgata and Party Poker stay on all 17’s and do not permit surrender. Pala Casino hits soft 17 and does allow surrender.

The five side bets in the game are identical. The side bets are in addition to the standard blackjack bet. The side bets are optional but the player must make the flat bet on the actual hand. Players can bet as many side bets in one hand that they wish.

Cash Queens

  • Pair of queens with dealer blackjack: 500-1
  • Pair of queens: 50-1
  • Paired 20: 10-1
  • Suited 20: 5-1
  • Any other 20: 2-1

Mega Match

  • Player and dealer have suited queen and king: 5000-1
  • Player has suited queen and king: 50-1
  • Any two suited cards: 2-1

Crazy 7s

When the first:

  • Three cards are suited 777: 2,000-1
  • Three cards are unsuited 777: 500-1
  • Two cards are suited 77: 150-1
  • Two cards are unsuited 77: 15-1
  • Card is any 7: 5-1

Pair Play

  • First two cards are a pair: 12-1

Any Blackjack

  • Pays 18-1 if the player is dealt blackjack, even if it pushes

Blackjack Micro Limit

Borgata, Party Poker, Resorts and Mohegan Sun offer Blackjack Micro Limit. This game starts with a minimum bet of only $.10. The game only pays 6-5 on a blackjack but offers some favorable rules to offset this.

  • Suited blackjack pays 2-1
  • Suited 777 pays 3-1
  • 5-card or more 21 pays 2-1

Double down before and after splitting is permitted. Surrender is not. The dealer stands on all 17’s.

The house edge for this game is 0.99 percent. No New Jersey online blackjack game has a higher advantage for the casino but it is still better than the 6-5 games in Atlantic City. The small minimum bet takes some of the sting out of the higher house edge.

Multi-Player Blackjack

Pala Casino offers a unique game where multiple players on the sit at the same table. A single player can begin the action. Multi-Player Blackjack does not require multiple participants.

Multi-Player Blackjack offers the same rules as Pala Casino’s other blackjack games. Eight decks are used that are reshuffled after each hand. Players may double down on any two cards and after splitting. The dealer hits soft 17. The house edge is 0.6 percent.

What blackjack games can I play at NJ online casinos?

Online BrandGame NamePayback %Min. BetMax. BetSidebets
Virgin CasinoAtlantic City Blackjack99.64$1.00$1,000No
Virgin CasinoSingle Deck Blackjack99.74$1.00$1,000No
Virgin CasinoMultihand Blackjack99.28$1.00$5,000No
Virgin CasinoVegas Downtown Blackjack99.61$1.00$1,000No
Virgin CasinoVegas Strip Blackjack99.64$1.00$1,000No
Tropicana CasinoAtlantic City Blackjack99.64$1.00$1,000No
Tropicana CasinoSingle Deck Blackjack99.74$1.00$1,000No
Tropicana CasinoMultihand Blackjack99.28$1.00$5,000No
Tropicana CasinoVegas Downtown Blackjack99.61$1.00$1,000No
Tropicana CasinoVegas Strip Blackjack99.64$1.00$1,000No
Golden NuggetBlackjack (IGT)99.6$1.00$200No
Golden NuggetBlackjack Pro99.59$1.00$50No
Golden NuggetVegas Blackjack99.6$1.00$100No
Golden NuggetSidebet Blackjack99.54$1.00$500Yes
Golden NuggetBlackjack European99.41$1.00$500No
Golden NuggetBlackjack Micro Limit (Min 0.10)99.3$0.10$10No
Golden NuggetBlackjack Micro Limit (Min 0.50)99.3$0.50$25No
Golden NuggetLive Blackjack99.34$5.00$1,000Yes
Betfair CasinoBlackjack (IGT)99.6$1.00$1,000No
Betfair CasinoPro Blackjack99.6$1.00$10,000No
Caesars CasinoBlackjack Micro Limit (Min 0.10)99.3$0.10$10No
Caesars CasinoBlackjack Micro Limit (Min 0.50)99.3$0.50$25No
Caesars CasinoEuropean Blackjack99.41$1.00$500No
Caesars CasinoBlackjack Sidebet99.54$1.00$500Yes
Caesars CasinoVegas Blackjack99.6$5.00$100No
Caesars CasinoBlackjack Pro99.59$2.50$100No
Caesars CasinoBlackjack Pro Micro Limit99.59$0.25$100No
Harrah's CasinoClassic Blackjack99.54$1.00$10,000No
888 CasinoClassic Blackjack99.54$1.00$10,000No
Borgata CasinoBlackjack (IGT)99.6$1.00$1,000No
Borgata CasinoBlackjack Micro Limit SP 1099.3$0.10$10No
Borgata CasinoBlackjack Micro Limit SP 2599.3$0.50$25No
Borgata CasinoSP Vegas Blackjack99.6$5.00$100No
Borgata CasinoSidebet Blackjack99.54$1.00$500Yes
Borgata CasinoMulti-Hand Blackjack99.39$1.00$100No
Borgata CasinoBlackjack Multi-Hand Pro99.39$5.00$500No
Party CasinoBlackjack (IGT)99.6$1.00$1,000No
Party CasinoBlackjack Micro Limit SP 2599.3$0.50$25No
Party CasinoSP Vegas Blackjack99.6$5.00$100No
Party CasinoSidebet Blackjack99.54$1.00$500Yes
Party CasinoMulti-Hand Blackjack99.39$1.00$100No
Party CasinoBlackjack Multi-Hand Pro99.39$5.00$500No
Pala CasinoBlackjack99.54$1.00$500No
Pala CasinoMicro Limit Blackjack (Min $0.10)99.3$0.10$10No
Pala CasinoEuropean Blackjack99.41$1.00$500No
Pala CasinoLucky 7 Blackjack99.54$1.00$500Yes
Pala CasinoPerfect Pairs Blackjack99.54$1.00$500Yes
Pala CasinoSidebet Blackjack99.54$1.00$500Yes
Pala CasinoSingle Deck Blackjack99.74$1.00$500No
Pala CasinoVegas Blackjack99.6$5.00$100No
Resorts CasinoAtlantic City Blackjack (Micro Limit)99.59$0.25$100No
Resorts CasinoAtlantic City Blackjack (Low Limit)99.59$2.50$100No
Resorts CasinoAtlantic City Blackjack (High Limit)99.59$25.00$1,000No
Resorts CasinoMicro Limit Blackjack (Min $0.10)99.3$0.10$10No
Resorts CasinoMicro Limit Blackjack (Min $0.25)99.3$0.25$25No
Resorts CasinoBlackjack (IGT)99.6$1.00$1,000No
Resorts CasinoEuropean Blackjack99.41$1.00$500No
Resorts CasinoVegas Blackjack99.6$5.00$100No
Mohegan CasinoAtlantic City Blackjack (Micro Limit)99.59$0.25$100No
Mohegan CasinoAtlantic City Blackjack (Low Limit)99.59$2.50$100No
Mohegan CasinoAtlantic City Blackjack (High Limit)99.59$25.00$1,000No
Mohegan CasinoMicro Limit Blackjack (Min $0.10)99.3$0.10$10No
Mohegan CasinoMicro Limit Blackjack (Min $0.25)99.3$0.25$25No
Mohegan CasinoBlackjack (IGT)99.6$1.00$1,000No
Mohegan CasinoEuropean Blackjack99.41$1.00$500No
Mohegan CasinoVegas Blackjack99.6$5.00$100No
PokerStars CasinoClassic Blackjack99.39$0.10$100No
PokerStars CasinoPerfect Pairs Blackjack99.34$0.50$500Yes
PokerStars CasinoAtlantic City Blackjack99.55$1.00$1,000No
PokerStars CasinoEuropean Blackjack99.65$1.00$1,000No
PokerStars CasinoDouble Deck Atlantic City Blackjack99.77$100.00$2,500No
PokerStars CasinoDouble Deck Blackjack99.77$100.00$2,500No

New Jersey mobile blackjack

All New Jersey online casinos offer a mobile app for Android and iOS devices. Most of the games are slots, although blackjack is also spread.

Mobile apps do not offer as many games as the PC versions. There will generally be one or two blackjack games with basic rules that include the options to hit, split and double down before and after splitting. Insurance is also available on New Jersey blackjack apps.

Online blackjack versus live blackjack

Online blackjack is much faster than live blackjack. The minimum bet at online blackjack is usually just $1. Some New Jersey blackjack sites offer the game for as little as $.10. Borgata is typically the only Atlantic City casino with a $5 blackjack game and that is just one table. Most Atlantic City blackjack games start at $10.

There are also more games available online. Side bets that are not available in Atlantic City may be found on the Internet at regulated sites. Online blackjack shuffles after each hand. This is actually advantageous to players that are not expert counters.

The rules are generally more favorable at blackjack sites than in a live casino setting.

Ranking The Highest Return Blackjack Varieties

Largely because it represents any player’s best chance to beat the house, blackjack has emerged as the most-popular casino game on the planet.

At online casinos in New Jersey, the game is faster, the minimum bets are smaller, and the variety of blackjack games available at online casinos is much larger than that of their brick and mortar counterparts. As a result, blackjack is even more popular online in New Jersey than it is live.

Outside of a pair of NJ online gambling sites that offer live dealer blackjack games of the same variety you will find in traditional casinos, the online blackjack games at New Jersey online casinos are a little different.

Online casinos use random number generators in place of dealers and card shuffling machines. In fact, these random number generators essentially shuffle the cards between hands, rendering card-counting strategies useless. However, that does not necessarily mean New Jersey online blackjack games are tougher to beat.

Return to player rates

Return to player (RTP) rate is one measurement used to decipher how easy, or difficult, a particular casino game is to beat. It is a percentage showing how much of an initial investment players should expect a particular game to return over the long run. Short-term luck can play havoc with a game’s RTP rate, paying out more or less than what’s expected. However, over the long term, a game should stay true to its RTP rate.

For example, if a game has a RTP rate of 98.5 percent, it is expected to eventually pay out $98.50 of every $100 put into it. Again, this is a long-term figure that comes with no guarantees. So, don’t expect to be paid back $98.50 every time you put $100 into the game. In order to realize a game’s true RTP rate you’ll need to realize the long term.

The RTP rate on hundreds of different slots and electronic table games available at New Jersey online casinos range from a low of 94.74 percent to a high of 99.87 percent. You can find the RTP rate of any online casino game in NJ using PlayNJ’s own Payback Pal. This tool publishes the RTP for more than 245 online casino games, including all blackjack variations, helping you find the highest returns available.

NJ online gambling sites offer a number of different blackjack games with varying rules that can have a big effect on RTP rates. In fact, a lot of these rules work in the player’s favor, increasing RTP rates, decreasing the house edge, and making the games easier to beat.

Casino blackjack options

By offering a huge variety of different games at varying stakes, New Jersey online casinos have helped elevate the world’s most popular casino game to new heights.

Since it’s online blackjack, it is much faster than the live game. Minimum bets are smaller, making the game more accessible. Plus, the variety of games available at each and every online casino is much greater.

With computers and random number generators doing the shuffling, most of the time, card counting is out. However, the rules can often be more favorable to the player online.

That’s right, it’s blackjack, but it’s blackjack your way. A number of NJ online gambling sites offer blackjack games with rules that work in the player’s favor. The house edge is reduced, and if the reason blackjack has become so popular at brick and mortar casinos is because it’s the best way to beat the house, that often goes double for online casinos in New Jersey.

Of course, not all online blackjack games, and for that matter, the New Jersey online casino sites that host them, are built the same. A site’s variety of blackjack games, the return to player (RTP) rates of the blackjack games offered, and the different bonuses offered to blackjack players all play a role in separating the best NJ online casinos for blackjack from the pack.

Online blackjack games in New Jersey

Here’s a look a dozen of the most popular blackjack game titles at the top NJ online casinos:

  • Single-Deck Blackjack (Tropicana/Virgin)
  • Atlantic City Singlehand Blackjack Pro (Golden Nugget)
  • SideBet Blackjack (Pala)
  • Single Player Blackjack (Pala)
  • High Stakes Blackjack (Tropicana/Virgin)
  • Live Dealer Blackjack (Betfair/Golden Nugget)
  • Vegas Blackjack (Golden Nugget)
  • Vegas DownTown Blackjack (Tropicana/Virgin)
  • Single-Deck Blackjack (Tropicana/Virgin)
  • Vegas Strip Blackjack (Tropicana/Virgin)
  • Vegas Blackjack (Golden Nugget)
  • Pro Blackjack (Betfair)

Below you find a list of the top seven blackjack games in terms of RTP rate with a description of each game:

1. Single-deck Blackjack

The Single-deck Blackjack games at Tropicana and Virgin offer the best odds of any online casino game in New Jersey. The RTP rate is an unbeatable 99.87.

Even at brick and mortar casinos, Single-deck Blackjack games have always been considered the easiest way to beat a casino. Even online, it’s basic blackjack played with a single deck instead of a traditional six or eight-deck shoe. This increases the RTP rate right out of the gate.

2. Atlantic City Blackjack

Tropicana and Virgin also offer the second-best odds of any online blackjack game in New Jersey with Atlantic City Blackjack. Atlantic City Blackjack at Tropicana and Virgin offers a RTP rate of 99.64 percent. Only Single-deck Blackjack on the same sites is better.

The RTP on Atlantic City Blackjack is tweaked through a few key rule changes. It is basic blackjack with rule changes that include:

  • Dealer stands on soft 17
  • Double down on any two cards
  • Split any 10-valued cards
  • Split up to three times (aces only once)
  • Late surrender

3. High Stakes Blackjack

The minimum bet on Tropicana and Virgin’s High Stakes Blackjack is $50 a hand. The maximum bet is $2,500 a hand. However, the game features a RTP rate of 99.64 percent for those willing to wager under those parameters. This is the third-best RTP rate for any blackjack game in New Jersey.

Except for the larger bets required, High Stakes Blackjack is essentially the same game as Atlantic City Blackjack. Rule changes from traditional blackjack that keep the RTP rates high include:

  • Dealer stands on soft 17
  • Double down on any two cards
  • Split any 10-valued cards
  • Split up to three times (aces only once)
  • Late surrender

4. Vegas Strip Blackjack

It’s a fourth Tropicana and Virgin blackjack game that offers the fourth-best RTP rate among blackjack games in New Jersey. Vegas Strip Blackjack also features a 99.64 percent RTP rate.

This basic blackjack game is played with a four-deck shoe and the following rule variations that hep increase the RTP rate:

  • Dealer stands on all 17s
  • Split any 10-valued cards
  • Split up to four times (aces only once)
  • Double down on all hands
  • No surrender

5. Multi-Bet Blackjack

SugarHouse NJ online casino’s Multi-Bet Blackjack offers an outstanding RTP rate of 99.64 percent.

This blackjack variation was just released in New Jersey in May 2017 and it offers the chance to make up to 12 different bets and side bets on every hand.

The game also includes a feature allowing players to stop the random number generator from shuffling the virtual deck after each hand. In theory, this could bring card-counting strategy back into play.

6. Vegas Downtown Blackjack

The Tropicana and Virgin title Vegas Downtown Blackjack has an RTP rate of 99.61 percent.

This is basic blackjack game with rule variations similar to Vegas Strip Blackjack. The difference between the two games is that Vegas Downtown Blackjack is played with a two-deck shoe instead of four.

7. Vegas Blackjack

Vegas Blackjack, which is available on Caesars and Golden Nugget in New Jersey, offers an RTP rate of 99.6 percent. It’s a relatively basic blackjack game with rule changes that include:

  • Dealer stands on a soft 17
  • Double down on any two cards
  • Split any 10-valued cards
  • Split only once
  • No surrender
  • Play up to five hands at once

8. Sidebet Blackjack

Pala offers eight different varieties of online blackjack, but the game with its best RTP rate is Sidebet Blackjack.

The game has a 99.54 percent RTP Rate. Plus, although the odds aren’t quite so good, the game offers five different side bets players can wager on, including various pairs and royal cards bets.

Sidebet Blackjack is played under the following rules:

  • Played with eight decks
  • Dealer hits on soft 17
  • Double down on any two cards
  • Split only once
  • Double down allowed after splitting
  • No re-splitting Aces
  • No hitting split Aces
  • Late surrender

Live Dealer Games At NJ Online Casinos

Blackjack with a real dealer inside a casino, but online? Take a look at live dealer games in New Jersey.

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Slingo At New Jersey Online Casinos

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Top online blackjack in New Jersey by return

Betfair offers the best online blackjack table, which is also the best game at all New Jersey Internet casinos. That is Single Deck Blackjack. Players can double when the first two cards are 9, 10 and 11 only and not after splitting. The dealer stands on all 17’s.

The house’s hole card is dealt European-style. This means that the player acts before the dealer gets its second card. This changes how players should act when the dealer is showing an ace or a face because it does not check for blackjack before a player doubles down or splits. The player loses all splits and double bets if the dealer ends up with blackjack. The house edge for this game is 0.26 percent.

The second best New Jersey online blackjack game is Single Deck Blackjack at Borgata and Party Poker. This game only allows double down on two cards when the total is 9, 10 and 11 and not after splitting. The dealer hits soft 17. Unlike the Betfair single deck game, the dealer receives its card before the player acts. The house edge for this game is 0.35 percent.

The best game that is not single deck offers four decks. It is called Single Player Blackjack at Borgata and Party Poker. Tropicana calls it Vegas Strip Blackjack, which is an odd name since there are no games in Las Vegas that spread four decks. This game allows players to double down any two cards before and after splitting. The dealer stands on all 17’s. The house edge is 0.4 percent.

How to play blackjack

The goal of blackjack is to get as close to 21 without going over. A count of 22 or more is a bust. A player going over 21 automatically loses. If the dealer busts, the player wins. Even money is won if the player has more points than the dealer without going over 21. If the dealer has more points, the house wins. When the player and dealer have the same valued hand then there is a push, meaning the player gets his bet back.

All number cards are face value in points. Jacks, queens and kings are worth 10 points. An ace may be used as either a 1 or 11, whichever benefits the hand the most.

The deal starts with the player and dealer receiving two cards. The player’s cards are dealt face up. The dealer receives one card up and one down.

The first step involves the dealer checking for a blackjack. This only occurs if the dealer is showing an ace or a ten-value card. If the door card is a ten-value card, the dealer will peek to see if there is an ace in the hole. If the dealer has an ace, the hand ends immediately.

The player loses unless he also has blackjack. The player and dealer having blackjack in the same hand results in a push.


If the dealer is showing an ace, he will ask for insurance. Players may bet half of their wager to insure the entire amount. If the dealer has blackjack, the insurance pays 2-1. This creates a push. If the dealer does not have blackjack, the insurance bet loses and the hand continues as normal. Insurance has a house edge of 6.7 percent.

European Blackjack does not deal the hole card until after the player has acted. This means that the hand will play out before insurance is paid.

Player blackjack

A player dealt an ace and a ten-value card is paid 3-2. This means that a player wins $1.50 for every $1 wagered. If the player and dealer both have blackjack then the hand is a push.

Player actions

Once the blackjacks are resolved, players have several options.


A player satisfied with his point total may stand at any time. No more cards are drawn.


A player that wants to draw a card hits. Players can hit until they choose to stand or go over 21.

Double Down

A player may double his bet and take just one card. This can only be done on the first two cards dealt. The player must keep the dealt card and may not draw any other cards.


A player dealt a pair may split the two cards into two separate hands. This requires double the original bet. Most games allow players to double down after splitting. Aces may only receive one card on each. An ace and a face in a split hand are 21, but not a blackjack.


Surrender is folding on the first two cards. This game returns half of the original bet. This is the proper play when dealt a 16 against a dealer’s 9, 10 or ace or 15 versus a dealer’s 10 or ace.

Blackjack strategy and tips

Counting cards

Card counting is easily the most popular blackjack strategy. Movies have been made about the most successful card counting teams in the world. Their exploits are the stuff of legend in the casino and gaming industry.

Look around the internet and you’ll find a plethora of card counting training sites promising to teach you their method for beating the house.

Card counting isn’t against the law. However, it is frowned upon by most casinos. In fact, the list of players barred by casinos across the United States for counting cards at the blackjack tables seems to grow almost daily.

Basically, card counting involves assigning a value to each of the cards dealt, determining when the shoe is heavy with high-value cards, and betting big when the odds fall in a player’s favor.

It’s a simple enough strategy. Many players successfully employ it at land-based casinos around the world. However, that same success has not been duplicated online.

New Jersey online casinos employ random number generators. These essentially act the same way as a continuous shuffle machine in blackjack games. This makes each card dealt independent, random, and impossible to keep count of.

Of course, there are Live Dealer blackjack games available at New Jersey online casinos. However, even the most experienced card counters may have difficulty employing the same strategies they do in person with the same speed and accuracy.

Blackjack betting systems


The Martingale System is a negative progression system for blackjack betting that involves increasing bets with every loss in an effort to pull back to even. 

For example, should you bet $5 on a single hand of blackjack and lose, you would bet $10 on the next hand. Lose again and you would bet $20. A player must keep doubling the bet until they get a win and break even. Moderate profits are found collecting wins on the initial bet.

On the surface, it’s a can’t-miss strategy, but you’d better have deep pockets with which to cover the big bets or a lengthy losing streak could break you.

Additionally, players employing the Martingale System need to pay strict attention to table limits. Doubling the bet with each loss quickly adds up. When the table limit is reached, you could be shut out.

The Martingale System is a risky blackjack strategy. However, it is one that could be employed successfully online, assuming you’ve got the bankroll to handle the swings and patience to play within the table limits.


The parlay system is a positive progression system for blackjack betting that involves increasing bets with every win in an effort to maximize profits playing with the house’s money.

Essentially, a player employing the parlay system would double the bet after every win. Those who have been successful with the parlay system set strict win and loss limits and stick to them. Without setting a win limit, a player would conceivably keep betting profits until they’ve lost them. Leaving the table when you’ve hit your win limit ensures profitability. On the same accord, setting a loss limit allows players to avoid extended losing streaks.

There’s no reason why players can’t employ the parlay system playing online blackjack. However, it is just as important to set win and loss limits when employing this system online as it is offline.


There is a myriad of variations on the Martingale and parlay systems. Most involve varying the bet sizing in one way or another in a less-than scientific fashion.

There is the Paroli system, a positive betting progression system with incrementally increased bets that helps players avoid letting all profits ride like the parlay system.

Similarly, the 1-3-2-6 betting system is a positive betting progression system using multiples of 1,3,2, and 6 on each successive bet for some undetermined reason.

The D’Alembert is a betting progression system whereby a player raises a bet one unit after a loss and lowers it one unit after a win.

Players can employ these betting systems, or any other variation of positive and negative progression systems, to online blackjack games. However, it’s important to understand there’s very little method to the madness here, outside of the basic Martingale and parlay systems.

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