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Playing US blackjack online is one of the most powerful sectors currently in global online gambling markets. 21 is the most widely played casino card game on the globe. Since its online conception, blackjack has become one of the most popular USA online casino games to date.
In short; There is no federal law against playing blackjack online. There are some states where it is declared illegal however prosecution would be extremely rare and would most likely be against any establishment rather than the player.
It is completely safe to play blackjack online for real money.
It’s often reported that playing blackjack online for real money is illegal in the US.
But is it really?
Let’s tackle this head on and resolve this confusing and commonly misunderstood issue.
So let’s get one thing straight:
Playing Blackjack Online is NOT Legally Prohibited in Any Way by Federal Law
There is no law whatsoever against gambling online at the federal level which is a myth that has been established most likely from a misinterpretation of the Unlawful Internet Gambling Enforcement Act of 2006 which states:
The Act prohibits gambling businesses from knowingly accepting payments in connection with the participation of another person in a bet or wager that involves the use of the Internet and that is unlawful under any federal or state law (termed “restricted transactions” in the Act).
This is basically saying it’s prohibited for banks to knowingly accept transactions that are a result of an illegal online bet.
It does not in any way state that it is illegal for a player to participate in gambling online!
Another reason why some people may think it is illegal is the confusion of the Federal Wire Act which is related to sports betting and does not apply to whether online blackjack is legal since they are considered different forms of gambling.
Play Blackjack Live Online
If you want to try playing blackjack online for real money, we recommend US players to visit Bovada casino.
Are There any State Laws which Explicitly Allow Online Blackjack?
Another reason why it’s confusing to determine whether it’s legal to gamble online is the fact that most states actually don’t have any specific laws which apply to online gambling in general.
If there is no specific law prohibiting online gambling then it is considered legal.
However there are three states that have explicitly passed laws specifically for allowing online gambling which are:
Interestingly, Nevada has allowed for online poker but have prohibited online casino gambling.
States Where Online Blackjack is Technically Illegal
- Illinois
- Indiana
- Louisiana
- Montana
- Nevada
- Oregon
- South Dakota
- Washington
- Wisconsin
There are 9 states that have prohibitions against online casino gambling however it should be noted that the real target of these laws are the online casinos themselves and not the player.
The likelihood of being criminally charged is extremely low and even if you were it would most likely be considered just a misdemeanor
There is only one incident I have been able to find dating back to 2003 in North Dakota where a player, Jeffrey Trauman, plead guilty for placing a bet over $500 and was charged with a misdemeanor and subsequently fined $500. (source: https://digitalscholarship.unlv.edu/cgi/viewcontent.cgi?article=1146&context=grrj)
So for further clarity, let’s look at a table of all states so you can easily distinguish the laws of the state you reside in.
| State | Legal? | State | Legal? |
|---|---|---|---|
| Alabama | Montana | No | |
| Alaska | Nebraska | Yes | |
| Arizona | Nevada | No | |
| Arkansas | New Hampshire | ||
| California | New Jersey | Yes | |
| Colorado | New Mexico | Yes | |
| Connecticut | New York | Yes | |
| Delaware | North Carolina | Yes | |
| Florida | North Dakota | Yes | |
| Georgia | Ohio | Yes | |
| Hawaii | Oklahoma | Yes | |
| Idaho | Oregon | ||
| Illinois | Pennsylvania | Yes | |
| Indiana | Rhode Island | Yes | |
| Iowa | South Carolina | Yes | |
| Kansas | South Dakota | ||
| Kentucky | Tennessee | Yes | |
| Louisiana | Texas | Yes | |
| Maine | Utah | Yes | |
| Maryland | Vermont | Yes | |
| Massachusetts | Virginia | Yes | |
| Michigan | Washington | ||
| Minnesota | West Virginia | Yes | |
| Mississippi | Wisconsin | ||
| Missouri | Wyoming | Yes |
If You Are Unsure, Seek Legal Advice
Usa Online Blackjack
When in doubt, seek professional legal advice: This website serves to provide players with advice and is not legally binding. Therefore, if you ever have more nuanced questions, do consider consulting a legal professional.
How would I deposit and withdraw money given the UIGEA and Where Can I Play?
The UIGEA has made it considerably more difficult for US residents to deposit and withdraw money from casinos. For example, e-Wallet services such as PayPal or Moneybookers, which are commonly used to transfer funds to/from casinos, usually will not work with US residents engaging in online gaming. We recommend US players avoiding these in general.
Most often, players from the US will be able to use debit cards, direct bank wire transfer, checks, and automated clearing house (ACH). The best method though is to use Bitcoin which is extremely quick and doesn’t have any excess fees. Read our complete guide on how to buy Bitcoin to deposit at a casino here.
For US residents outside of New Jersey, Nevada and Delaware, we recommend playing at Bovada or Betonline.
Related Reading
FAQ
The most recent prosection recorded incident occurred in 2003 where a player was fined $500 and charged with a misdemeanor.
Offshore online casinos do not fall under US jurisdiction so we highly recommend sticking to well known brands such as Bovada or BetOnline.
Pennsylvania has been the most recent state to legalize online gambling and it is expected that West Virginia will be following suit by 2021.
Yes. Since they are located offshore, they do not have to abide by the restrictions made by the UIGEA
Yes, but as with participating in any service online, it is up to you to do your own due diligence before making any wager. While we can recommend reputable various online casinos to play at, we insist that you read the terms and conditions at any online casino so you know exactly what is involved.
Online Blackjack - Real Money Blackjack For US Players
Blackjack has always been an extremely popular table game at American casinos, but online blackjack has risen in popularity with pop culture depictions of suave card counters making a fortune at the blackjack table. While the reality of card counting is a lot less exciting than its stylized movie depictions, blackjack remains a tense, thrilling game of risk, skill and luck that can make or break fortunes for those daring enough to play.
The rise of online casinos has allowed blackjack to propagate in ways previously unimaginable. Once an activity confined to crowded casinos or back alley card rooms, real money blackjack is now accessible anywhere thanks to the magic of technology. Online casinos offer blackjack to both desktop and mobile users through sleek, intuitive gaming software. As online blackjack has grown in popularity, its offerings have expanded to include a wide array of rules variations and even live dealer options. These rapid developments have ensured that there are now more ways to play blackjack than ever before.
How Does Online Blackjack Work?
Online blackjack follows the same rules as traditional blackjack. A player and a dealer both receive a hand consisting of two cards with a goal of reaching a total hand value of 21 without going over. The player is the first to choose whether to hit (receive another card), double down (double their bet and receive another card without the option to hit again) or stand (lock in their hand). Then it is the dealer’s turn. If the player’s hand busts (goes over 21), it is an instant losing condition.
Most online blackjack sites run their games through a browser that does not require players to download additional software, although some may require a download. Most online blackjack games are played against a computer dealer, but blackjack dealers are guided by strict rules about when to hit and when to stand, so this does little to affect the actual gameplay experience. Depending on the site, online blackjack games may give players virtual chips to bet in specific intervals, or they might offer players the ability to determine their own bets. Find the best USA online gambling sites that offer only the best online Blackjack.
Best Online Blackjack Sites
Major international online casinos are generally the best bet for safe, legal online blackjack. These online casinos have the resources needed to invest heavily in their gaming technology, meaning that their online blackjack games are smooth, well-developed, and have already been tested thoroughly by huge player bases. Websites like Bovada and Ignition have built global brands out of their top-notch online casino gaming options, including both live and computer dealer blackjack games. These blackjack sites offer a host of advantages, including easy banking for their players, huge deposit bonuses, and thorough data security to protect the financial and personal information of their players.
Best USA Online Casinos
Live Dealer Blackjack - Casinos With Live Dealer Blackjack
They are a relatively recent invention, but live dealer blackjack games have quickly gained popularity. As technology has improved over the past several years, it has become possible for online gambling sites to emulate the experience of actual casino betting by connecting players via video feed to an actual dealer. Live dealers will react and respond verbally to player messages and they deal using a physical deck of cards. The main functions of live dealer blackjack are creating an experience that closely resembles that of a traditional casino and providing skeptical players with peace of mind that they are not being cheated by a card shuffling algorithm.
Many online casinos have begun offering live dealer play options for blackjack along with a selection of other popular casino table games. Whereas a few years ago live dealer play was a unique way for a company to set itself apart from the competition, it is quickly becoming an industry standard and an expectation from players. Most major online casinos have adopted live dealer blackjack.
Online Blackjack For Real Money
It is possible to bet, win and lose real money playing online blackjack no matter where you are in the United States. There are a handful of states that offer online gambling, and online casinos based in other countries offer real money online blackjack to players throughout the United States. The states that offer fully legal online casino gaming—New Jersey, Delaware, Pennsylvania—have some great online blackjack options, but for most players international online casinos are the best legal way to play.
These international sites are not subject to federal or state anti-gambling laws, meaning that they are perfectly legal for all players who meet their age requirements. These online casinos accept deposits and withdrawals through a variety of payment methods. For deposits, credit/debit card payments are accepted, but cryptocurrency is the recommended method of transaction because it also functions for withdrawals and crypto transactions are processed nearly instantaneously. Online blackjack deposits with international casinos are also eligible for huge deposit bonuses, which are covered further down on this page.
Free Online Blackjack For US Players
There are plenty of free online blackjack options for U.S. players, ranging from extensions of the blackjack games already available with online casinos to free downloadable apps. Free blackjack apps are a nice distraction for a few minutes on the way to work or while waiting in a doctor’s office, but without the risk-reward element, the fun quickly fades. A far more interesting option is playing free versions of real money online games. Free play options offer players the chance to test out a website’s blackjack systems before risking real money, getting a better feel for both the game itself and its expected payouts. With both options being free, most players will likely default to the options that helps them win money down the road.
Popular Online Blackjack Games
Blackjack has a number of variations. Like most table games that have been around for decades and been played by millions of people, blackjack evolved differently in different regions and with different populations of people. Traditional single hand blackjack evolved into multi-hand blackjack, pontoon, and dozens of other increasingly niche subgenres of the card game. While there are far too many variations of blackjack to list here, a few of the most popular that can be played online are:- Atlantic City Blackjack
- Blackjack Switch
- Classic Blackjack
- Double Exposure Blackjack
- European Blackjack
- Live Dealer Blackjack
- Multi-Hand Blackjack
- Pontoon
- Progressive Blackjack
- Spanish 21
- Super Fun 21
- Vegas Strip Blackjack
Mobile Blackjack Apps
Best Online Blackjack Usa
Outside of the small handful of states with state legalized online casino gaming, there are no downloadable real money blackjack apps for U.S. players. There are free play apps, but these are a hollow imitation of real blackjack and fail to hold the attention of most players beyond a few minutes. Some of the most popular free blackjack apps are Blackjack 21, Blackjack Strategy Practice, and myVegas Blackjack.
Alternatively, mobile blackjack is available through international online casinos; the only caveat is that these casinos are not allowed to author downloadable apps to American players. Instead, they have developed specialized mobile sites that are optimized to provide full functionality while still being designed to work with a touch screen. Online blackjack through these mobile sites looks and functions exactly like it does on their desktop counterparts, only with simplified controls for ease of use.
Blackjack Bonuses And Promo Codes
One of the biggest incentives of online blackjack is the prevalence of huge deposit bonuses to benefit players. Most of these bonuses come in the form of deposit matches wherein a website offers to match a portion of a player’s deposits. The percentage of that portion varies depending on what the deposit is funding, what payment method is used, and what seasonal or time-sensitive promotions a gambling website is running at the time of the deposit. Some of these bonuses require specific codes, while others are automatically applied when a deposit is made. Every deposit will be listed alongside its terms and conditions.
Blackjack bonuses usually fall under the general umbrella of “casino bonuses” and can be worth up to several thousand dollars depending on the website. Bovada, for instance, offers players multiple 100% deposit matches worth up to $1,000 each using pre-set codes. These bonuses do require players to wager the full value of their deposit before cashing out any winnings, but the bonus money is an amazing cushion for players to start winning faster.
Notable Blackjack Bonuses
- Bovada: 100% deposit match up to $1,000 (redeemable three times, codes: NEWWELCOME and BV2NDCWB)
- Ignition: 25% Bitcoin deposit match Bonus up to $1,000 (Unlimited uses)
- Café Casino: 500% deposit match up to $5,000 (only valid with first deposit)
- Slots.lv: 200% deposit match on first deposit, 100% deposit match on next three up to $1,000 each (codes: HELLOSLOTS200 and HELLOSLOTS100, respectively)
Online Blackjack Software
Every online blackjack site uses a different software. Most contract a third-party company that specializes in blackjack software, and often this software offers better payout rates than you would find in a brick-and-mortar casino. It is worth researching which software a particular website uses for its blackjack games if you plan to wager serious money. The following is a list of common blackjack software providers and their lowest available house edge:- Amaya 0.26%
- Amigotechs 0.38%
- Amuzi Gaming 0.38%
- Arrow’s Edge 0.72%
- BetSoft 0.38%
- Boss Media 0.11%
- Bwin 0.46%
- Cryptologic 0.21%
- Dragonfish 0.44%
- Gamesys 0%
- Habanero 0.55%
- Microgaming 0.31%
- Net Entertainment 0.38%
- Novomatic 0.26%
- Pala Interactive 0.46%
- Playtech 0.14%
- PokerStars 0.39%
- RealTime Gaming .54%
- Rival 0.66%
- Saucify 0.23%
- Soft Magic Dice 0.25%
- SoftSwiss 0.56%
- Visionary iGaming 0.79%
- Vista Gaming 0.78%
- Wager Works 0.45%
- WGS Technology 0.36%
Best Online Blackjack Payouts
There are two primary variations of blackjack payouts: 3:2 blackjack and 6:5 blackjack. The payout rates of these two variants are in the name, as a winning hand at a 3:2 table will pay out $3 for every $2 wagered, a 6:5 table will pay out $6 for every $5 wagered. It goes without saying that players should strive to play at a 3:2 table whenever possible. The house edge greatly increases as 6:5 tables, which are mainly used to increase the profitability of low minimum bet games.
| Wager | Payout 6:5 | Payout 3:2 |
|---|---|---|
| $1.00 | $1.20 | $1.50 |
| $5.00 | $6.00 | $7.50 |
| $20.00 | $24.00 | $30.00 |
| $50.00 | $60.00 | $75.00 |
| $100.00 | $120.00 | $150.00 |
With no additional information about which cards a player or a dealer holds, the odds of winning a single blackjack hand playing with optimal strategy are about 42.2%, with an additional 8.5% chance for a push and a 49.1% chance to lose. If we assume every player will immediately re-bet the same value whenever their hand results in a push, the win percentage increases to 46.4% and the loss percentage increases to 53.6%.
When playing with optimal strategy, the house edge in 3:2 blackjack is only about 0.5%-- by far the lowest of any casino table game. With 6:5 blackjack, the house edge increases to around 2%. In other words, if you played 3:2 blackjack over an infinite number of hands, the house would only take home 50 cents for every hundred dollars wagered. At a 6:5 table, the house would take home two dollars per hundred wagered.
Is Online Blackjack Legal?
Yes, online blackjack is legal in 2021. The legality for in-state operators offering online blackjack varies heavily from state to state, but international online casino blackjack is accessible to all. While most states are restrictive of online blackjack and federal law prevents players in other states from using the online blackjack platforms hosted in New Jersey, Delaware and Pennsylvania, international gambling sites do not fall under the jurisdiction of either state or federal law.
Anti-gambling laws are also designed explicitly to target gambling operators rather than players, so the players that do fall under the jurisdiction of anti-gambling laws are not actually vulnerable to them. Not even the staunchest anti-gambling states have prosecuted individual players for gambling online. The only legal hurdles you need to be worried about when playing online blackjack also apply to gambling at brick-and-mortar casinos: taxes. All gambling winnings, whether they came at a state-licensed casino or an international online gambling site, must be reported on your taxes. Failure to do so can land you in trouble for felony tax evasion.
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States That Have Legal Online Blackjack
Online blackjack is legal in every state, but that does not mean that every state licenses domestic operators to provide online blackjack to their players. Many states have physical casinos that offer online blackjack, but only three states in the union offer online blackjack that is controlled by a state regulatory agency. These are the only states with fully legal online casino gaming. The three legal online blackjack states are:
While the other 47 states do not have state-licensed online blackjack options, residents can still legally play online blackjack through operators based in other countries. With headquarters outside of the U.S., these companies avoid the restrictions of state and federal anti-gambling laws. These international blackjack websites are regulated by their country of origin, which ensures that players, their money and their personal data remain adequately protected against exploitative business practices.
Future Of Online Blackjack In The USA
Online gambling as a whole is experiencing a steady rise in the United States, with online sports gambling being slowly adopted by a handful of states every year. While the evolution of the online black industry is moving agonizingly slow, international online casinos will help hold people over during the years it will take for online blackjack to become more widely accepted in the United States. With the world in a state of financial flux and gambling being a reliable producer of tax revenues, there could be some incentive in 2021 for state governments to begin considering legalizing additional forms of gambling, including online blackjack to recoup budget shortfalls caused by COVID-19.
Is Online Blackjack Legal To Play?
Yes, whether you live in a state with legal online casino gaming (DE, NJ, PA) or not, there are legal online blackjack options. The most popular of these options are international online casinos that are available to all players who can provide valid proof of ID and age (18+). Be sure to report winnings on your taxes.
How Old Do I Have To Be To Play Online Blackjack?
International online blackjack sites require that their players be at least 18 years old to participate in all forms of gambling. The three states with legal online blackjack all require that players be at least 21 years old. You won’t need to prove your age to register an account, but you will be asked to do so before you are allowed to withdraw winnings.
Which Type Of Blackjack Should I Play?
This comes down to personal preference. There are numerous different variations of online blackjack to choose from, and the only way to figure out which one is best for you is to test them out. The only universal guideline we can offer is that you should never play 6:5 blackjack if 3:2 is available, as you are just arbitrarily restricting your expected winnings when you do so.
Can I Play Online Blackjack In Nevada?
Surprisingly, the gambling capital of the world does not offer state-licensed online blackjack. Nevada’s many casinos have leveraged their power to prevent the state government from legalizing online casino gaming, which they believe would cut into their profits. International online blackjack is still available, but some websites do not accept accounts registered in Nevada.
How Do I Deposit Money Into My Online Blackjack Account?
The most common and easiest way to deposit and withdraw money from your online blackjack account is through cryptocurrencies like Bitcoin and Ethereum. Crypto is a secure, untraceable currency protected through an encryption software called blockchain. Crypto transactions are processed nearly instantaneously and can be transferred easily from your crypto wallet into a traditional bank account.