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Caribbean 21
Similar to Blackjack with a wee bit more flexibility…Caribbean 21 offers players the ability to split any two initial cards and to hit and redouble after doubling. The hitch is that players lose all ties!
Here are the full rules for the game, some of which may be the same as Blackjack:
Rules
1. Played with eight regular 52-card decks.
2. Cards are valued as in blackjack, except an ace is always one point.
3. Play starts with a player making an initial wager.
4. Players will receive two cards face up and the dealer one card face up. The dealer does not take a hole card.
5. Players can hit, stand, double, split, or surrender. The hit and stand option are the same as blackjack.
6. Players can double at any time with two or more cards. This includes redoubling and doubling after a split.
7. Any two cards can be split. As in blackjack, aces have no restrictions and have the same splitting rules as other cards. After the player splits, each single card hand in turn shall immediately get an additional card.
8. Players can surrender at any time. If the player surrenders they forfeit half their total bet at that time. Surrender is allowed after splitting on a hand-by-hand basis.
9. Two 10-point cards and an ace is called a "Caribbean 21" and is ranked higher than all other 21 point hands, including after splitting.
10. The dealer wins all ties.
11. Winning player bets pay even money, except for a Caribbean 21 that pays 3-2 on the initial hand only.
12. A player can take insurance against the dealer having a Caribbean 21, if the dealer's up card is an ace. Insurance may be taken at any time and for any amount up to half the total bet at the time insurance is taken. Insurance shall pay 9 to 1 if the dealer does get two 10-point cards as the second and third cards. The insurance bet shall be adjudicated at the end of the hand. The player may also add to the insurance bet at any time, so that the total insurance bet does not exceed half the total wager.
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