As you enhance your knowledge and skills playing casino table games, at some point you will come across the blackjack late surrender strategy.

This additional option added to some blackjack variants gives you the chance to surrender your bet and receive half your money back if you do not like the look of of your hand or if you know the hand has a low percentage chance of winning.

There are two versions of the ‘surrender’ rule, and the difference between them is very subtle. Below we will look at what they are and how you should play the blackjack late surrender strategy.

We focus on the late surrender strategy because this is the most common variant found on blackjack tables.

Here is a summary of content for this Blackjack late surrender strategy guide:

Early Vs Late Surrender Rule

Late surrender: This rule only permits you to surrender your hand/bet after the dealer checks his/her cards. If the dealer does not have blackjack, the house returns half your bet. The late surrender rule reduces the house edge by 0.07% percent.

Early surrender: Regardless of whether dealer has blackjack or not, you can surrender your hand. When this rule is in play, the dealer does not need to check for blackjack which means you have the option to surrender as soon as your cards are in front of you. If you play at tables that offer the ‘Early Surrender’ rule, you gain 0.61% advantage which is huge compared to the late surrender rule.

Find Blackjack Tables Offering Early Vs Late Surrender Rules

Nearly all tables that offer the ‘surrender’ option will have it written on the felts but not all. Also, if ‘surrender’ is clearly marked on the felts, generally you will not know whether this is an ‘Early Surrender’ or ‘Late Surrender’ until you make further inquiries.

To find out if the table offers ‘Late Surrender’ Vs ‘Early Surrender:

  • Check the rules menu option if you are playing a virtual blackjack table at an online casino
  • Ask the dealer if you play live dealer tables or land-based casino tables

Why Use the Late Surrender Rule?

You can compare the surrender strategy to poker in some ways. In poker, when a player receives a bad hand, he or she will fold. Blackjack surrender is the same.

If the hand is weak and has little chance of winning versus the house, then if you have the chance to surrender your hand and rescue half your bet, then it’s the obvious route to take.

Most decisions in blackjack are mathematical. For example, look at the table below. You can see that if you hit, you have a 23.4% chance of winning and if you stand the percentage is worse. The correct decision when faced with these percentages is to ‘Surrender’ if the table allows you to do so.

The 50% Surrender Option Is Correct When It Outweighs 'Stand' or 'Hit' 

Using Basic Strategy as a Guide to Surrender

Surrendering your hand should always be the mathematically correct choice. To make the right decisions based on math means using a proven system, and it just so happens blackjack is one of these most scrutinized casino card games on the planer which means it has proven systems.

The best system to use is ‘Basic Strategy’. In every blackjack guide found here on mBitcasino, we always mention basic strategy because it is the ‘only way’ to play blackjack correctly!

"Basic strategy is the only way to play optimal blackjack. It guides you to making the correct decision based on deadly accurate mathematic equations and percentages, so you play the table rules according to the house edge”

What this means is that if you decide to play blackjack without using basic strategy, you will hand over 1% to 2% of the house edge back to the house.

  • Use the surrender rules based on mathematically proven odds
  • Blackjack’s ‘basic strategy’ guides you to surrender at the correct time

Choosing the Correct Basic Strategy Rules

When you play basic strategy, you will 100% need to make sure that you choose the correct basic strategy table. That means taking into account other rules on the tables.

Q1. Does the dealer hit or stand on soft 17?

  • Dealer stands of hard 17 = H17
  • Dealer stands on soft 17 = S17

Q2. Can you ‘Doubling Down’ after splitting?

  • Doubling Down After Splits Allowed (DAS)
  • No Doubling Down After Splits (NDAS)

Q3. How many decks are being used on the table?

  • Single Deck
  • Double Deck
  • 4 Decks to 8 Decks

By knowing exactly which rules the blackjack tables uses, you can then select the correct basic strategy chart to begin using your ‘Blackjack Late Surrender Strategy’.

Basic Strategy & Blackjack Surrender In Action

Below there are 2 scenarios backed up with basic strategy charts so you can get a feel for how to choose the correct charts and how to use these charts on a blackjack table.

Scenario 1: Here is a ‘Double Deck H17 DAS’ table for example:
  • Answer 1: Dealer stands of hard 17 = H17
  • Answer 2: Doubling Down After Splits Allowed (DAS)
  • Answer 3: Double Deck

Now you can see in the table below that there are 5 points in the table that indicate when taking the ‘Surrender’ option is the mathematically correct move to make:

  • If your hand total is ‘Hard 15’ and the dealer’s up card is a 10 card or Ace = ‘Surrender’
  • If your hand total is ‘Hard 16’ and the dealer’s up card is a 10 card or Ace = ‘Surrender’
  • If your hand total is ‘Hard 17’ and the dealer’s up card is an Ace = ‘Surrender’
  • If your hand is 8-8 Split (Do not surrender)
Scenario 2: Here is a ‘Double Deck S17 DAS’ table for example:
  • Answer 1: Dealer stands of soft 17 = S17
  • Answer 2: Doubling Down After Splits Allowed (DAS)
  • Answer 3: Double Deck

Now you can see in the table below that there are 3 points in the table that indicate when taking the ‘Surrender’ option is the mathematically correct move to make:

  • If your hand total is ‘Hard 15’ and the dealer’s up card is a 10 card = ‘Surrender’
  • If your hand total is ‘Hard 16’ and the dealer’s up card is a 10 card or Ace = ‘Surrender’
  • If your hand is 8-8 Split (Do not surrender)

As you can see, there are some very subtle differences between the basic strategy charts that you choose, which is why is important that you choose the correct one matching the rules of the blackjack table you are playing at.

10 Blackjack Late Surrender Strategy Tips

Understanding the late surrender rule versus the early surrender rule in blackjack is easy enough. The difference is so subtle despite the huge change in the house edge between them.

However, there is more to just understanding last surrender, you need to also embrace other influences surrounding the different blackjack rules and systems that come with the world’s most popular and most strategized online casino table game.

Here is a recap of how to play blackjack late surrender strategy:

  1. Always ask the casino if the surrender rule is ‘Early’ or ‘Late’ or check the game rules if you are playing at an online casino
  2. Surrender allows you to give up your hand instead of ‘hit’ or ‘stand’
  3. Late surrender reduces the house edge by 0.07%
  4. If the dealer has blackjack, late surrender is invalid
  5. When you surrender, the house returns 50% of your original bet
  6. Making the right surrender depends on using the correct mathematics
  7. Basic strategy charts suggest mathematically correct surrenders
  8. Use the correct basic strategy charts according to the number of decks
  9. Choose the correct basic strategy charts accosting to S17, H17, NDAS, DAS
  10. Make sure you understand the difference between ‘Hard’ & ‘Soft’ totals

Test Your Blackjack Surrender Strategy At mBitcasino

At mBitcasino you will find tables that offer the blackjack late surrender rule in our online casino blackjack section.

The Blackjack Surrender table by BGaming gives you a 6 deck H17 NDAS ‘Late Surrender’ game with an RTP of 99.404%. Make sure you choose the correct basic strategy chart, so you play this table 100% mathematically correct to take full advantage of that 0.596% low house edge.

You can play the demo mode to get started and then switch to BTC, BCH, LTC, ETH, XRP, USDT, or DOGE cryptocurrency bets once you feel confident.

For those high rollers out there that want to test out their late surrender blackjack strategy on a live dealer table, you can also check out our VIP Blackjack with Surrender table over in the live dealer casino area. This game comes courtesy of eZugi which is an arm of Evolution!