Lucky Ladies game icon

Blackjack Side Bet

Lucky Ladies Casinos

A blackjack side bet that pays on any 20 -- with a massive 1,000:1 jackpot for suited Queen of hearts + dealer blackjack.

21 US venues offer lucky ladies.

House Edge
~10% to ~15% (varies by paytable)
RTP
~85% to 90%
Typical Min Bet
$1 (side bet)
Pace
Resolves on deal
Category
Blackjack Side Bet
Beginner-friendly

Casino Directory

Where to play Lucky Ladies in the US

Showing 12 of 21 venues

Lucky Ladies is a popular blackjack side bet that pays when your first two cards total 20. The payout scales from a simple 20 (any combination) up to the top prize: suited Queen of hearts pair with the dealer also holding a blackjack, which pays 1,000:1. The bet is placed alongside your regular blackjack wager and resolves as soon as your first two cards are dealt. It adds excitement to every hand and turns a common 20 into a potential winner, but the house edge is steep -- typically above 10 percent depending on the paytable. You'll find live tables at most major properties. See our full US casino directory for venue contact details and hours.

Lucky Ladies is the most popular blackjack side bet in US casinos. The appeal is simple: a 20 is the most common strong hand in blackjack, and the side bet turns a routine hand into a potential winner. The odds of hitting the top prize (suited Queen of hearts pair plus dealer blackjack) are astronomical, but the mid-tier payouts for a suited 20 or a matched 20 in hearts hit often enough to keep players interested. Compared to other blackjack side bets like Lucky Lucky or Trilux, Lucky Ladies is the most widely available and has the most recognizable payout structure.

How to play Lucky Ladies

  1. Place a Lucky Ladies side bet in the marked circle before the deal. The bet is separate from your main blackjack wager.

  2. You receive two cards face up. The payout is based on the rank and suit of your first two cards.

  3. A simple 20 (any two cards totaling 20) pays the lowest tier. The payout increases with suited cards, matched ranks, and specific suits.

  4. The top payout requires both cards to be Queen of hearts (suited pair) and the dealer to hold a blackjack. This pays 1,000:1.

  5. The bet resolves immediately on your first two cards. The remainder of the blackjack hand plays out normally.

  6. If you win the Lucky Ladies bet, you are paid before the dealer plays their hand.

Lucky Ladies Payouts and House Edge

The standard Lucky Ladies paytable: any 20 pays 4:1, a suited 20 pays 9:1, a matched 20 (same rank, different suits) pays 19:1, a matched 20 in hearts pays 25:1, a pair of Queen of hearts (suited) pays 200:1, and a pair of Queen of hearts with the dealer holding a blackjack pays 1,000:1. Some casinos offer variations on these payouts, particularly on the mid-tier hands.

The house edge on the standard paytable is roughly 10 to 15 percent, depending on the deck count and the specific payout for each tier. Eight-deck games typically have a slightly higher edge than six-deck games because the odds of drawing specific card combinations change with more decks. The top jackpot (Queen of hearts pair plus dealer blackjack) is the main draw but is extremely rare -- the odds are roughly 800,000 to 1 in a six-deck game.

  • What is the house edge of the Lucky Ladies side bet?

    The house edge is typically 10 to 15 percent depending on the paytable and deck count. It is a high-edge side bet that should be treated as entertainment rather than a serious winning strategy.

Editorial Strategy

Strategy & etiquette for Lucky Ladies

  • Treat Lucky Ladies as entertainment, not a value bet. The house edge is typically above 10 percent.

  • Compare paytables between casinos. Some paytables offer better odds for mid-tier hands like a suited 20.

  • Never increase your main blackjack bet to justify playing the side bet. The side bet should be a small, fixed wager.

  • The Lucky Ladies bet is independent of your main hand. Your blackjack strategy should not change based on whether you placed the side bet.

  • Some paytables offer a bonus for a matched 20 in hearts. This is the most common mid-tier payout and the one most players hope to hit.

  • If you play Lucky Ladies regularly, track the paytable. Some casinos reduce the mid-tier payouts, which significantly increases the house edge.

Where to play in the US

Top land-based casinos to play Lucky Ladies

Editorial picks for visitors who want a real-floor Lucky Ladies session. Ranked by directory depth (table counts, amenities, and floor quality). Tap any card for the full property review.

  1. #1Casinos
    Editor's pick
    Muckleshoot Indian Casino — auburn

    Muckleshoot Indian Casino

    Auburn, Washington

    3,125 slots · 75 tables · 32 poker tables · 24/7

    Selection100
    Value66
    Experience100

    Games available

    • 3 Card Poker
    • Baccarat
    • Bingo

    Property

    • Open 24 7
    • Restaurant
    • Self Parking
    Rate for Lucky Ladies0 votes

    Your vote is saved to this browser only.

    Read review →
  2. #2Casinos
    Casino at Delaware Park — wilmington

    Casino at Delaware Park

    Wilmington, Delaware

    2,300 slots · 63 tables · 25 poker tables · 24/7

    Selection100
    Value58
    Experience100

    Games available

    • 3 Card Poker
    • Blackjack
    • Cajun Stud

    Property

    • Golf
    • Open 24 7
    • Restaurant
    Rate for Lucky Ladies0 votes

    Your vote is saved to this browser only.

    Read review →
  3. #3Casinos
    Little Creek Casino and Resort — shelton

    Little Creek Casino and Resort

    Shelton, Washington

    1,200 slots · 25 tables · 6 poker tables · 24/7

    Selection72
    Value71
    Experience95

    Games available

    • Bingo
    • Craps
    • Crazy 4 Poker

    Property

    • Open 24 7
    • Restaurant
    • Self Parking
    Rate for Lucky Ladies0 votes

    Your vote is saved to this browser only.

    Read review →

Rankings reflect directory data depth (floor counts, game variety, amenity tags) re-verified quarterly. They are not a substitute for current operating status; confirm hours and game spread directly with each casino before visiting.

Lucky Ladies Strategy

There is no strategy for Lucky Ladies. The bet resolves on the first two cards, and you have no control over what is dealt. The only decision is whether to place the bet and how much to wager. A $1 or $5 bet per hand is standard. Betting more than that increases your risk without improving your odds, since the house edge is fixed.

Lucky Ladies is best treated as a small, fixed entertainment bet alongside your main blackjack game. The occasional suited 20 or matched hearts payout adds excitement without significantly impacting your session bankroll if you keep the bet size modest. For players who enjoy blackjack side bets, comparing paytables across casinos is the only way to improve your expected return. Some casinos offer better mid-tier payouts that reduce the house edge by several percentage points.

Common Lucky Ladies variants

Where to Play Lucky Ladies

Lucky Ladies is widely available at blackjack tables across the US. It is one of the most common side bets and can be found at nearly every casino that offers blackjack, from Las Vegas to Atlantic City to tribal casinos. The bet is typically offered at tables with a $5 or higher minimum.

Before you play, check the paytable posted on the table placard. Some casinos offer reduced payouts on mid-tier hands. Browse our US casino directory to find venues near you.

  • What are the odds of hitting the Lucky Ladies jackpot?

    The odds of hitting the top prize (suited Queen of hearts pair plus dealer blackjack) are roughly 800,000 to 1 in a six-deck game. It is extremely rare but pays 1,000:1 when it hits.

Related games

Search