Black Jack Basic Rules The player and dealer are both dealt 2 cards (1 of dealers is hidden). The closest to 21 after the game is finished wins. A Black Jack or "Natural" occurs and pays 3:2 if a hand contains an Ace (1 or 11 value) and a Ten. 10's and all face cards count as 10, 2 thru 9 are their face value. HIT: Take 1 card. Stand: Hold what you got. Double: You double your bet and get 1 additional card ONLY. Split: You split your 2 cards into 2 seperate hands and double your bet. You will receive another card on each and play as above on each. Insurance: If the dealer shows an Ace up you can bet that the dealers hand is a Natural, the bet is 1/2 your bet and if you win you win 2:1 and lose your other bet (effectively breaking even).