← All games

Three Card Poker

Ante up. Beat the dealer’s 3-card hand or fold. Optional Pair Plus side bet pays straight flush 40:1.

Dealer
?
You
?
Paytable
Pair PlusAnte Bonus
Straight Flush 40:1Straight Flush 5:1
Three of a Kind 30:1Three of a Kind 4:1
Straight 6:1Straight 1:1
Flush 4:1
Pair 1:1
Optimal strategy: play any Q-6-4 or better, fold otherwise. Dealer qualifies with Q-high+. House edge ~3.4% on ante/play, ~7.3% on pair plus side bet.
For entertainment only. No real money. The virtual chips on this page have no cash value and cannot be redeemed, traded, exchanged, or converted. We do not accept deposits, hold funds, or process withdrawals. 21+. If gambling is a problem for you, call 1-800-GAMBLER or visit ncpgambling.org.

About Three Card Poker

RTP96.63%
House edge3.37%

Overview

Three Card Poker bundles two games: an "Ante + Play" hand against the dealer and an optional "Pair Plus" side bet. The combined house edge is moderate (3.37% on Ante/Play with the standard paytable; 2.32% on Pair Plus); the game's appeal is the fast pace, the clear paytable, and the bonus payouts for premium hands.

How to play

Place an Ante. Optionally place a Pair Plus side bet. You and the dealer each receive 3 cards. After looking at yours, fold (forfeit Ante and Pair Plus) or "play" (place an additional bet equal to Ante). The dealer must qualify with Queen-high or better. If the dealer doesn't qualify, Ante pays 1:1 and Play pushes. If the dealer qualifies, hands are compared and the better wins. Pair Plus pays regardless of dealer hand: Pair 1:1, Flush 3:1 or 4:1, Straight 6:1, Three of a Kind 30:1, Straight Flush 40:1 (paytable varies).

Optimal strategy

Play (raise) any hand of Queen-6-4 or higher; fold everything below. This is the simplest professional strategy in any casino game — one line. Pair Plus is a separate decision: at 1-3-6-30-40 paytable, the side bet has ~2.32% house edge — playable but not great. At "1-4-6-30-40" it improves to 2.14%. At any paytable where Flush pays 3:1, edge is around 7.28% — skip. Always check the paytable before placing Pair Plus.

The math behind the house edge

Q-6-4 is the optimal cut because: above it, your hand wins enough vs the qualifying dealer to make the additional bet profitable; below it, folding caps your loss at the Ante. The math has been brute-force-checked against all 22,100 possible 3-card hand combinations; Q-6-4 is the exact break-even point.

Origin & history

Three Card Poker was invented by Derek Webb in the United Kingdom in 1994 and licensed to U.S. casinos in 1997. It's now one of the most-played table games on Las Vegas Strip floors, often outpacing blackjack at midnight peak.

Payout table

BetPayoutNotes
Ante bonus — Straight1:1Pays even if dealer wins
Ante bonus — Three of a Kind4:1
Ante bonus — Straight Flush5:1
Pair Plus — Pair1:1~1 in 4
Pair Plus — Three of a Kind30:1~1 in 425
Pair Plus — Straight Flush40:1~1 in 460

Bankroll & session tips

  • Set a session loss limit before you start playing — typically 2-5% of your monthly entertainment budget. Walk away when you hit it.
  • Flat-bet 1-2% of your roll per round. Progressive betting systems (Martingale, Fibonacci) do not change the house edge and accelerate ruin.
  • Track your sessions. Short sessions can swing wildly even at optimal play; long-run results converge close to the published RTP.
  • Take breaks. Tilt — emotional play after losses — bleeds bankroll faster than bad strategy.
  • Variance is real. A 3.37% house edge does not mean you'll lose 3.37% every session — it means that's the long-run average. Individual sessions vary wildly.