A few years ago, no casino really offered 3 Card Rummy to players, but it seems to be getting more popular, both online and in land-based casinos.
The game of Rummy originated around 400 years ago in Spain and Mexico and later reached the shores of America and England. It is now one of the most popular card games around.
The casino version sees the player go up against the Dealer with the aim of getting an as low score as possible. It is played with 1 standard deck of 52 cards.
1. Decide the amount you wish to bet. It is worth noting that your initial bet, the Ante bet, is only half the total bet if you wish to play the hand, remember this when deciding how much to bet.
2. You can also bet on a bonus game at most casinos, including the one above. More details on how to play this can be found below.
3. Once you have placed your bets, you will be dealt 3 cards face up and the Dealer will receive 3 cards face down. At this point, the bonus game is finished and you receive a payout if you win.
4. There is only one option to make in 3 Card Rummy which is whether to Raise at this stage or Fold. If you place a Raise bet, you place a further bet equal to the initial Ante bet and have a chance of winning the hand. If you choose to Fold, you lose your Ante bet, but don’t have to put any further money in.
5. If you Fold, the hand is over. If you Raise, the Dealer’s cards are turned over and the scores of both hands are compared. The Dealer must have 20 or less in order to ‘qualify’.
a. If the Dealer does not qualify, you get even money on your Ante bet and the Raise bet ‘pushes’ – so you get your money back.
b. If the Dealer qualifies and you have a lower score than the Dealer, you win a payout depending on your hand – further details are shown below.
c. If the Dealer qualifies and has a lower score, you lose both the Ante bet and the Raise bet.
d. If the Dealer qualifies and the scores are the same, the bets are a ‘push’ and you get your money returned.
The scoring in 3 Card Rummy is similar to the popular version of Rummy. An Ace is worth 1 point1, a Jack, Queen, and King are worth 10 points, and all numbered cards are worth their face value – 4 is worth 4 points, 6 is worth 6 points etc.
This isn’t quite the end of the story though, and this is where things get a bit more complicated. If you play online at one of our recommended sites, you will see your total displayed for you after your 3 cards have been dealt, so you won’t need to worry about working it out for yourself.
• If you have a pair or 3 of a kind, those cards score 0 points.
• If you have 2 or 3 suited cards in ascending order – such as 5 and 6 of Spades or 10 and Jack of Diamonds, these cards score 0 points. Please note that an Ace-King suited does not count as suited in ascending order as an Ace is considered to be low only.
If you are new to Rummy, we would suggest playing for free at one of our recommended sites before you play for real money so you get used to the rules of the game
The Bonus game takes into account your hand only, the Dealers hand does not affect the payout.
• If you play the Bonus game and get an Ace, 2, 3 suited, you get paid out at 100 to 1.
• If you play the Bonus game and get 0 points, you get paid out at 25 to 1.
• If you play the Bonus game and get between 1 and 6 points, you get paid out at 2 to 1.
• If you play the Bonus game and get between 7 and 10, you get paid out at 1 to 1.
• If you play the Bonus game and get 11 or 12, you get paid out at 4 to 1.
• If you play the Bonus game and get 13 or more, you lose the Bonus Bet.
Payouts from the Ante bet and Raise bet can get a bit confusing.
• If the Dealer fails to qualify, you get your Ante and Raise bet back.
If the Dealer qualifies and you have a lower score:
• The Ante bet pays out at 1 to 1.
• If your score is 0 points, the Raise bet pays out at 4 to 1.
• If your score is between 1 and 5 points, the Raise bet pays out at 2 to 1.
• If your score is 6 points or higher, the Raise bet pays out at 1 to 1.
Please note that these amounts can vary from casino to casino so we recommend you check with the casino for full details.
As there is just one choice to make when playing 3 Card Rummy, apart from whether or not to play the Bonus game, it is hard to get a good strategy going.
The suggested way would be to Raise with 20 points or less and Fold with 21 points or more. This is the cut off at which the Dealer qualifies or doesn’t qualify and gives the game a House Edge of around 3.2%.
The Bonus game only has a House Edge of 3.5% and with a payout of up to 100 to 1, this is one table game where it can be a good idea to play if you are after a big payout. Most other table games, such as Blackjack, it is not recommended to play Bonus games.