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Online Pontoon: Rules, Strategies, and How to Play Like a Pro

Zane | April 12, 2023 | Updated on: April 15th, 2025

Online Pontoon works like blackjack. The goal is to reach 21 or get as close as possible without going over. However, its hidden dealer cards and unique terms make it different from classic blackjack.

If you are new to blackjack variations, read our guide on Blackjack Variants. You can explore other fun versions of the game.

Our casino experts playing Pontoon

What is Pontoon?

Pontoon is like Blackjack. The goal is to get a hand total of 21 or as close as you can without going over. However, there are unique rules that make it different and, for many players, more challenging.

How is Pontoon Different from Blackjack?

  • The dealer’s cards are both face-down, making it harder for players to decide their next move.
  • A hand of Ace + 10-value card is called a “Pontoon”, not a blackjack, and pays more.
  • Players must twist (take a card) if they have a total of 14 or less.
  • There are no “Stand” or “Hit” actions—instead, players use “Stick” and “Twist”.

Why is Pontoon Popular?

  • Offers higher payouts than Blackjack (2:1 for a Pontoon).
  • Adds more strategy options with the ability to “buy” extra cards.
  • The dealer having both cards face-down makes the game more unpredictable and exciting.

Understanding the Rules of Pontoon

Before diving into strategies, let’s cover the fundamental rules of Pontoon so you can confidently play.

Basic Objective of the Game

  • The goal is to beat the dealer’s hand by having a total closer to 21 without exceeding it.
  • A Pontoon hand (Ace + 10-value card) is the strongest hand, paying 2:1.
  • If the dealer and player both have a Pontoon, the dealer wins.

Key Differences Between Pontoon and Blackjack

AspectPontoonBlackjack
Dealer CardsBoth face-downOne card face-up, one face-down
Best Hand“Pontoon” (Ace + 10-value card)“Blackjack” (Ace + 10-value card)
Player Must TwistIf total is 14 or lessNo such rule
TerminologyTwist (Hit), Stick (Stand), Buy (Double Down)Hit, Stand, Double Down
Payout for Best Hand2:13:2

Card Values and Hand Rankings in Pontoon

The card values in Pontoon are the same as in Blackjack:

  • Aces = 1 or 11
  • Face cards (J, Q, K) = 10 points
  • Number cards (2-10) = Face value

What is a “Pontoon” Hand?

A Pontoon is when a player’s first two cards form an Ace + 10-value card. This is the best hand and pays 2:1.

Soft vs. Hard Hands in Pontoon

  • A Soft Hand contains an Ace that can count as 1 or 11 (e.g., Ace + 6 = 7 or 17).
  • A Hard Hand is any hand without an Ace or where the Ace must count as 1 (e.g., 10 + 7 = 17).

4. Step-by-Step Guide to Playing Pontoon

Step 1: Placing Bets

  • Players place their bets before the cards are dealt.
  • The minimum and maximum bet limits vary depending on the casino.

Step 2: Receiving Initial Cards

  • Each player receives two face-up cards.
  • The dealer receives two face-down cards (this is a major difference from Blackjack).

Step 3: Player Actions

  • Twist (Hit): Take another card. Players must twist if their total is 14 or less.
  • Stick (Stand): Stop taking cards.
  • Buy (Double Down): Players can double their bet and take an extra card. Unlike Blackjack, you can buy multiple times per hand.
  • Split: If the player has two cards of the same value, they can split them into two separate hands.

Step 4: Dealer’s Turn & Determining the Winner

  • The dealer reveals their hand only after all players have finished.
  • The dealer must twist until their hand is at least 17 or higher.

Winning Hands in Pontoon

  • Pontoon (Ace + 10-value card) → Pays 2:1
  • Five-Card Trick (5 cards totaling 21 or less) → Pays 2:1
  • Higher total than the dealer (without busting) → Pays 1:1

Pontoon Table Layout and Betting Options

The Pontoon table layout looks like a blackjack table. It has several betting circles for players and a spot for the dealer. However, the game differs in terminology and structure.

Understanding the Layout of a Pontoon Table

  • Betting Circles: Each player has a designated betting spot where they place their chips.
  • Dealer Area: The dealer has two cards dealt face-down, which remain hidden until the end of the round.
  • Payout Display: Many Pontoon tables display the payout structure for Pontoons and Five-Card Tricks.

Minimum and Maximum Bets in Pontoon

Each casino or online platform sets its minimum and maximum bet limits. Typically:

  • Low-limit tables: Start at $1 to $5 per hand.
  • High-stakes tables: Can go up to $500 or more per hand.

Common Side Bets in Pontoon

Some versions of Pontoon include side bets, such as:

  • Perfect Pairs: Pays out if the first two cards form a pair.
  • 21+3: A side bet based on a combination of the player’s and dealer’s cards forming poker hands.
  • Progressive Jackpots: Some casinos offer progressive prizes for hitting a Pontoon multiple times.

The House Edge and Odds in Pontoon

Pontoon is often considered a player-friendly game when played with the right strategy.

How Pontoon’s Rules Affect the House Edge

  • The 2:1 payout for Pontoons and Five-Card Tricks lowers the house edge.
  • The dealer winning ties slightly increases the house edge.
  • The ability to buy extra cards and twist freely allows skilled players to reduce losses.

Probability of Different Hands in Pontoon

The probability of different hand outcomes varies based on the number of decks used. Here are estimates for an 8-deck game:

Hand TypeProbability
Pontoon (Ace + 10-value card)~4.75%
Five-Card Trick~7.5%
Winning Hand (Non-Busted Total Higher Than Dealer)~43%
Busting (Over 21)~28%

Comparison of Pontoon Odds vs. Blackjack

FactorPontoonBlackjack
House Edge0.38% – 0.45%0.5% (with basic strategy)
Best Hand Payout2:13:2
Dealer’s Hand VisibilityBoth Cards HiddenOne Card Face-Up
Forced Twists on 14 or LessYesNo

Best Strategies for Playing Online Pontoon 

Winning at Pontoon requires both basic strategy and an understanding of optimal betting techniques.

If you want to master blackjack strategy, read our detailed guide on Blackjack Strategy. It has tips for Pontoon and other blackjack games.

When to Twist, Stick, Buy, or Split

The following guidelines will help you make the best moves:

1. When to Twist (Hit) in Pontoon

Always twist if your hand is 14 or less (mandatory rule).
Twist on 15 or 16 unless you have four cards already.
Twist on soft 17 (Ace + 6)—this gives you a chance to improve your hand.

2. When to Stick (Stand) in Pontoon

Stick at 17 or higher unless you have four cards and can try for a Five-Card Trick.
Stick if the dealer is likely to bust (based on past patterns).

3. When to Buy (Double Down in Blackjack Terms)

✅ Buy when your hand totals 9, 10, or 11, especially if the dealer is weak.
✅ Consider buying if you have Ace + low-value card (soft hand).
✅ Avoid buying if you already have four cards, as twisting for a Five-Card Trick might be better.

4. When to Split in Pontoon

✅ Split Aces—this gives you two chances to hit a Pontoon.
✅ Split 8s—two 8s create a weak total (16), but splitting gives you a better chance at a strong hand.
Do not split 4s, 5s, or 10s—these hands are better played together.


Managing Your Bankroll in Pontoon

Setting a Betting Limit

Since Pontoon is a fast-paced game, managing your bankroll is essential.

  • Casual Players: Keep bets small and play for entertainment.
  • Serious Players: Follow a structured bankroll management system, such as the 1-3-2-6 betting system.

When to Increase or Decrease Bets

Increase bets after a win streak to maximize profits.
Decrease bets after a losing streak to minimize risk.

Avoiding Common Bankroll Mistakes

  • Don’t overuse the buy option—doubling your bet too frequently can drain your bankroll.
  • Don’t chase losses—if you’re on a losing streak, take a break.

Common Mistakes to Avoid in Pontoon

Ignoring the dealer’s face-down cards—since both dealer cards are hidden, avoid assuming the dealer has a weak hand.
Misusing the buy option—only buy when it mathematically improves your chances.
Splitting incorrectly—always split Aces but avoid splitting 10s.
Failing to twist when required—if you have 14 or less, twisting is mandatory.


10. Pontoon vs. Blackjack: Key Differences

FeaturePontoonBlackjack
Dealer’s HandBoth cards face-downOne face-up, one face-down
Best HandPontoon (Ace + 10)Blackjack (Ace + 10)
Payout for Best Hand2:13:2
Player’s MovesTwist, Stick, BuyHit, Stand, Double Down
Splitting RulesCan split multiple timesUsually limited to one split

Where to Play Pontoon Online

Land-Based Casinos Offering Pontoon

  • Common in Australian and UK casinos.
  • Some European casinos offer variations of Pontoon.

Best Online Casinos with Pontoon

Live Dealer Pontoon Games

Many online casinos offer Live Dealer Pontoon, where you play against a real dealer via live video streaming.


Conclusion

Online Pontoon is an exciting alternative to Blackjack that rewards skill and strategy. With higher payouts and hidden dealer cards, it offers thrill and unpredictability.

To maximize your winnings:
✔ Learn the basic strategy.
✔ Use the buy option wisely.
✔ Avoid common betting mistakes.

Pontoon is more than just a game of luck—a smart player can reduce the house edge and boost their winnings.


Online Pontoon FAQs

1. What is the best strategy for winning in Pontoon?

Use basic strategy: Twist on 14 or less, Stick at 17+, Buy on strong hands, and Split Aces.

2. How does the “buy” option work in Pontoon?

Buying lets you double your bet and receive an extra card, similar to Blackjack’s Double Down.

3. What is the difference between “Twist” and “Hit”?

Twist is the Pontoon version of Hit, but you must twist on 14 or less.

4. Can I count cards in Pontoon?

Card counting is less effective because both dealer cards are hidden.

5. Is Pontoon easier to win than Blackjack?

Pontoon offers higher payouts but is more challenging due to hidden dealer cards.

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