Poker Rules 3 Cards
There are many casino poker variants to choose from, but unquestionably, three card poker is among the most fast-paced and thrilling. This essential guide takes you through everything you need to know; we breakdown the rules of 3 card poker and explain how to play the game. Plus, we cover all the side bets, bonuses, and payouts; and reveal the perfect three-card poker strategy.
How to play three card poker
- A free online version of 3 Card Poker with 6-card Bonus. Test out your 3 Card Poker strategy here. Practice for Vegas. Play Three Card Poker for Free.
- Rules Three Card Poker is played as heads-up between the player's hand and the dealer's hand. After all ante wagers are placed, three cards are dealt to each player and the dealer. Players have a choice to either fold or continue in the game by placing a 'play' wager equal to their ante.
The important elements of creating great casino poker games are to firstly make the rules easy to understand, and secondly, the payouts have to be appealing to players. Derek Webb, the game’s inventor, combines these factors to a tee. Learning the basics of how to play three card poker only takes a minute or two.
Of course, you want to refine your play with a proven strategy, but we’ll get to that part later. For now, let’s explain 3 card poker rules and guide you through the gameplay.
A hand with two cards of equal rank and three cards which are different from these and from each other. When comparing two such hands, the hand with the higher pair is better - so for example 6-6-4-3-2 beats 5-5-A-K-Q. If the pairs are equal, compare the highest ranking odd cards from each hand; if these are equal compare the second highest odd. Physical Characteristics: Cards used to play Three Card Poker shall be in standard decks of 52 cards. No jokers shall be utilized. Number of Decks: Cards used to play Three Card Poker shall be played with two alternating decks, each consisting of a 52-card deck with backs of the same design. The backs of each deck will be a different.
Three card poker rules
Once you know the rules, you’ll be well on your way to being able to play 3 card poker online. The game is played with a standard 52-card deck. Here’s a step-by-step guide to a single round.
- To begin a round, the player must place an ante bet.
- The dealer then deals three cards to the player, which are face-up, and three cards to himself, which are face down.
- Based on the three cards, the player can either fold the hand or continue by placing a play bet.
- If the player folds, he loses the original ante bet wager.
- If he continues, the cost of the play bet is equal to the ante bet.
- Assuming the player continues, the dealer turns over his three cards.
- The dealer’s hand needs to be at least Queen high to qualify.
- If the dealer’s hand doesn’t qualify, the player wins even money (1:1) on the ante bet, but the play bet is pushed (returned).
- When the dealer does qualify; the player’s hand is compared to the dealer’s hand. The winner is determined according to the order of 3 card poker hand ranks.
- If the player’s hand wins, he gets paid 1:1 on both the ante bet and the play bet.
- If the dealer’s hand wins, both bets are lost.
- It is possible for the hands to tie. In which case, the ante and play bets are pushed.
- Regardless of the outcome of the round, if the player holds a straight or higher, he wins an ante bonus (as described below).
Poker hand ranks
There’s a slight alteration in the poker hand ranks for this game (compared to most other forms of poker). The reason is that you are less likely to hit a straight draw than you are to get a flush draw. This is the ranking order, starting with the highest three card poker hand at the top:
- Straight flush: 3 cards of the same suit in consecutive order.
- Three of a kind: 3 cards of equal face value.
- Straight: 3 cards of mixed suits in consecutive order.
- Flush: 3 cards from the same suit but not in consecutive order.
- Pair: two cards of equal face value.
- High card: none of the above hands, means you only have a high card.
Three card poker odds and payouts
We described the standard 1:1 payouts in the 3 card poker rules outlined above, but those are just one part of this game. The excitement jumps up a few notches because three card poker also includes an ante bet bonus. The ante bet bonus is based purely on the player’s three cards. Therefore, you can win this bet but still lose the round.
Ante bet bonus payouts:
- Straight flush: 5 times the ante bet
- Three of a kind: 4 times the ante bet
- Straight: 1 times the ante bet
Pair Plus bet
Before the start of a hand, players can also make a Pair Plus side bet. Again, this wager is independent of the outcome of your game against the dealer. It’s based on the 3 cards you are dealt.
Pair Plus bet payouts:
- Straight flush: 40 to 1
- Three of a kind: 30 to 1
- Straight: 6 to 1
- Flush: 4 to 1
- A pair: 1 to 1
Six Card bonus
The six card bonus is another optional side bet, but not all three card poker games offer this wager. It uses the three player cards and the three dealer cards from which you must form a five-card hand that is on the pay table to win.
Pair Plus bet payouts:
- Royal flush: 1000 to 1
- Straight flush: 200 to 1
- Four of a kind: 50 to 1
- Full house: 25 to 1
- Flush: 15 to 1
- Straight: 10 to 1
- Three of a kind: 5 to 1
These poker hand rankings are more traditional with a royal flush being the best possible hand, and the flush payout is valued higher than the straight.
3 card poker strategy
We can categorize casino card games into two types. The first are games of chance, such as baccarat and Dragon Tiger. The others are decision-based games like blackjack, Caribbean Stud, and Casino Hold’em. Three card poker drops into the second type because the player makes a decision after seeing his cards on whether he wants to fold or continue by making the play bet.
All of these decision-based games have an optimal strategy. However, some of these involve studying playing charts, which dilutes the entertainment value of the game when you first start playing. The 3 card poker strategy doesn’t bother with such complexities. In fact, you only need to remember 3 cards.
The optimal three card poker strategy for the ante and play bet is QUEEN – SIX – FOUR
This means if your hand is equal to, or stronger than, Q-6-4, you should always raise and make the play bet. What you need to remember is to look at each card separately.
- Start with your highest card. If it’s lower than a Queen – you fold the hand.
- If the highest card is a King or Ace – you raise.
- If the highest card is a Queen, you must look at the second highest card. If lower than 6 – you fold the hand. But, if higher than 6 – you raise.
- If the second highest card is 6, you move onto the third card. Lower than 4 means you fold. 4 or higher, and you raise.
House edge
When choosing what casino games to play, you should always consider the house edge. This is essentially the advantage the casino has. The good news is the three card poker house edge is competitive, which is why this game has grown in popularity.
- The house edge for the ante and play bet combination is 2.01% when using the Q-6-4 strategy described above.
- For the Pair Plus bet, the house edge is 2.32% based on the pay table used in our example. This is reasonable value for a side bet.
- The same cannot be said for the Six Card Bonus bet. It has a house edge of 14.36% using the pay table shown. Therefore, even though the royal flush pays 1000 to 1, this side bet will cripple your bankroll over the long-term.
New players should note that the term ‘house edge’ is rarely used these days. Instead, the theoretical return to player (RTP) percentage is given. The RTP can be calculated by: 100% – house edge. Therefore, the RTP for the ante – play bet is 97.99%.
Tips for playing 3 card poker
Using our experience, and from talking with other three card poker players, we’ve composed a few easy-to-follow tips to help you get more from this game.
- Follow the Q-6-4 strategy. It can be tempting to play J-10-8 because the cards are all reasonably high, but this is not smart, and you will end up losing more than you win.
- Check the pay tables before you play. Several software developers have created their own variants, and there is also live 3 card poker. Just because the title of the game is the same, it doesn’t mean the pay tables are. This has an impact on the RTP, and you want to play where you get the best value.
- Avoid the Six Card Bonus wager. The RTP for this bet is 85.64%. That means on average (over the long-term) for every $100 wagered, you win $85.64.
- Manage your bankroll. You don’t want to play $20 ante bets, and $20 play bets if you only have $100 in your casino account. Look to divide your budget so you can get 50 to 100 hands out of what you have.
- Practice by playing free three card poker games. Most online casinos, after you have registered, will allow you to play in demo mode. This allows you to practice your playing and betting strategy. Please note, you won’t be able to play live 3 card poker games for free.
Live three card poker
The award-winning Evolution Gaming, in partnership with Scientific Gaming, has created a spectacular live dealer three card poker game. This brings you all the authentic gameplay that you get in a land-based casino, but from the comfort of your own home.
It should be noted that there is usually a trade-off playing live games. Most of the time, the RTP is lower due to the extra costs involved in operating these tables. For instance, we’ve read reports that the ante bonus on Evolution’s live variant pays 5 to 1, but you need a mini royal flush to claim it.
This title also has the two side bets we talked about above. However, the pay table for Pairs Plus is not identical. Playing live, there is a maximum payout of 100 to 1 for a mini royal. This may appear more rewarding, but the payout for a straight is less, so the house edge ends up being higher. With that said, playing three card poker live is a great experience, and we think it’s worth trying even though the RTP is not as high.
Where to play online three card poker
Three card poker may not have the iconic status of roulette or blackjack, but it’s catching up in the popularity stakes. Thanks to there being both virtual RNG and live games, you can now find this poker variant in hundreds of online casinos around the world, including:
- 888casino
- PlayOJO
- Mr Green
- Ignition
The decision where to play three card poker depends on what you want from the casino. Each operator has its strengths and weaknesses. Some offer larger bonuses, while others have faster payouts or better mobile apps. If you’re looking for your first casino, we recommend checking out our online casino reviews section for an honest point of view. In terms of bonuses specific for 3 card poker; the truth is that there aren’t many. You can use a casino’s welcome bonus to play, but the wagering requirements combined with game weighting limitations means you are unlikely to score a profit from these offers.
Three card poker – F.A.Q.
To summarize the main points of this article, we’ve included this general three card poker FAQ.
Is there any strategy to 3 card poker?
Yes, and it’s very straightforward. The strategy is Queen – Six – Four. If your hand value is lower than that, you fold. If equal or higher, you make the play bet.
What is the highest hand in 3 card poker?
The highest hand is Ace – King – Queen of the same suit. This is known as a mini royal. There are no trump suits in three card poker.
Do I play against other players?
Play 3 Card Poker Free
No, three card poker is a player vs dealer game. If you play live, you can play alongside other players although each of you has to take on the dealer.
Can I play free 3 card poker?
Yes, nearly all online casinos that offer an RNG version will allow you to play free 3 card poker in practice mode.
Just what is it? Three Card Poker is also known as Tri Card Poker, Trey Poker and Poker Three but why all the names for the same game? Well, it all started out as a name protected casino table game called 3 Card Poker that became very popular. Then it seems that others wanted to offer the game without paying the royalties due so they just renamed it. So whether it's called 3 Card, Tri Card or just plain Tri Poker, the rules are the same, the optimal playing strategy is the same and a lot of players love it.Three Card Poker is two gambling games in one. You are usually allowed to play either one or both games at the same time, but some casinos will require you to play both. The two games are 'ante/play', where you compete against the dealer, and 'pair plus' that has different bonus payouts for hands of one pair or better. When both games are played at the same time, players may wager different amounts on each game.
The games are played with a standard 52 card deck. The cards are distributed to the dealer in groups of three by an automatic shuffling machine. The player's table layout is shown at the right. The rules are also printed on the table at each player spot, just like this: (note :) The rules listed below are FULL PAY. Always look for these!
- Play MUST EQUAL Ante
- Dealer Plays With QUEEN High or Better - At some casinos dealers play with a King High or Better. The result is a much higher house advantage.
- When Dealer Does Not Play:
- Play Pays: PUSH
- Ante Pays: 1 to 1
- When Dealer Plays:
- Play Pays: 1 to 1
- Ante Pays: 1 to 1
3 card hand values: The first thing you will probably notice from the hand rankings list below is that a straight has a higher ranking than a flush. That's simply because there are fewer ways to make a 3 card straight than a 3 card flush. As in most poker games, aces play both high and low to a straight. An ace high straight flush is the highest hand you can get and some casinos have also added a mini-royal flush to the ante bonus and pair plus pay table.
Rules - Ante/Play & Pair Plus
This game starts with the players placing bets in the 'ante', 'pair plus' or both spots on the table layouts. The ante and pair plus wagers can be any amount within the posted table limits. The players and the dealer all get three cards, face down. The players all look at their hands and either fold by giving their cards back and losing their ante bet, or play by placing a bet, equal to the ante, in the 'play' spot on the layout. Note that even if the player folds, pair plus wagers are still paid on any pair or better.
| Hand Rankings | Full Pay Pair Plus Table | Full Pay Ante Bonus Table |
|---|---|---|
| Mini-Royal | - | - |
| Straight Flush | 40 to 1 | 5 to 1 |
| Three of a Kind | 30 to 1 | 4 to 1 |
| Straight | 6 to 1 | 1 to 1 |
| Flush | 4 to 1 | - |
| Pair | 1 to 1 | - |
| High Card | - | - |
The dealer then turns over his cards. If he does not have queen high or better, he doesn't 'qualify' to play and pays the active players even money on their ante bets and those with a straight or better are paid the additional ante bonus shown above. These players get a 'push' on their play bets. If he does have a qualifying hand, those who cannot beat it lose their antes and their play bets, but can still win the ante bonus with a straight or higher. Those who can beat the dealer win even money on their ante and play bets plus the ante bonus, if any.
Strategy - Ante/Play
In Three Card Poker ante/play, the only thing the expert player needs to know is how high his or her hand should be to produce the best possible long term results, if played. The answer to that question is Q-6-4 or higher.
High card hands between Q-6-4 through K-Q-10 are loss limit plays. These are hands with negative expectations. They will lose less if played than they will in ante forfeiture losses if they are not played. Ace high hands and better have positive expectations. The house advantage for ante/play, against the optimal strategy shown below is a comfortable 3.37%. Not too bad for the player.*
Optimal Three Card Poker Strategy
- Always play Q-6-4 or higher
- Never play anything lower
* Note: The house advantage percentages referred to are based on the full pay schedules shown above. Be aware that lower payouts, especially in pair plus, are used in many places that double and triple the house advantage against the player. Avoid games with a pair plus payout of only 3-1 for a flush instead of 4-1 etc. and look for full pay games.
Pair Plus 'Non-Strategy' and Unequal Bets Play
Since the only decision the player has to make in pair plus is how much to bet, there is no optimal strategy involved. However, at full pay the low house advantage of 2.3% makes it about as attractive as any table poker game you can find. You can't bet five dollars and win a house here, but the payouts are very generous and you should get a pay hand of some sort about 25% of the time. This is a good game but you want to remember that the win/loss swings are much more volatile in pair plus than in ante/play.
| Poker Hand | AB1 | AB2 | AB3 | PP1 | PP2 | PP3 | PP4 |
|---|---|---|---|---|---|---|---|
| Straight Flush | 5 | 5 | 4 | 40 | 40 | 40 | 40 |
| Three of a Kind | 4 | 3 | 3 | 30 | 25 | 30 | 30 |
| Straight | 1 | 1 | 1 | 6 | 6 | 5 | 6 |
| Flush | 4 | 4 | 4 | 3 | |||
| Pair | 1 | 1 | 1 | 1 | |||
| House Advantage | 3.37% | 3.61% | 3.83% | 2.3% | 3.5% | 5.6% | 7.3% |
| AB = Ante Bonus, PP = Pair Plus | |||||||
Most places allow you to make unequal bets on the two games. A conservative bet would be two units on ante/play and one unit on pair plus, or equal bets. A more aggressive approach is to place more on pair plus than on ante/play. Many good players prefer to keep their pair plus to ante play ratio on the conservative side and try to get a little ahead before they get aggressive and load up on the pair plus.
6 Card Bonus
The 6 card bonus side bet is an optional wager that gives players one more chance to win. To play, place a bet within table limits inside the 6 card bonus betting circle. Depending on the casino you may also be required to place a wager on the ante and/or pair plus betting spots. You then combine your three card hand with the dealer's three card hand to form the best five card hand. A 6 card bonus winning hand is paid regardless of the outcome on the ante/play bet. Some of the more popular pay tables are listed below and will vary by casino.
| Poker Hand | Pay Table 1 | Pay Table 2 | Pay Table 3 | Pay Table 4 |
|---|---|---|---|---|
| Royal Flush | 1,000 to 1 | 1,000 to 1 | 1,000 to 1 | 1,000 to 1 |
| Straight Flush | 200 to 1 | 200 to 1 | 200 to 1 | 200 to 1 |
| Four of a Kind | 100 to 1 | 100 to 1 | 50 to 1 | 50 to 1 |
| Full House | 20 to 1 | 20 to 1 | 25 to 1 | 25 to 1 |
| Flush | 15 to 1 | 15 to 1 | 20 to 1 | 15 to 1 |
| Straight | 9 to 1 | 10 to 1 | 10 to 1 | 10 to 1 |
| Three of a Kind | 8 to 1 | 7 to 1 | 5 to 1 | 5 to 1 |
| House Advantage | 6.74% | 8.56% | 10.23% | 15.28% |
| Hit frequency | 7.2798% | 7.2798% | 7.2798% | 7.2798% |
Even the best pay table gives the house a larger than acceptable advantage of 6.74%, which makes the 6 card bonus side bet a bad gamble.
Progressive
The progressive side bet, developed by Shuffle Master in 2008, adds a jackpot element that is popular with many players. The rules are simple: Place a bet, within table limits, on the progressive betting sensor and play your hand as usual. If your hand is a mini-royal AKQ of spades, you win the jackpot. The pay tables below show typical payouts and house edge numbers.
| Poker Hand | Pay Table 1 | Pay Table 2 | Envy |
|---|---|---|---|
| AKQ Spades | 100% | 100% | $100 |
| AKQ Hearts/Diamonds/Clubs | 500 for 1 | 500 for 1 | $25 |
| Straight Flush | 70 for 1 | 100 for 1 | |
| Three of a Kind | 60 for 1 | 90 for 1 | |
| Straight | 6 for 1 | - | |
| Seed Amount | $1,000 | $1,000 | |
| House Advantage | 22.33% | 22.85% | |
| Hit Frequency | 3.72% | .45% | |
| Probability of top payout | 22,100 to 1 | 22,100 to 1 | |
| Top payout average ($1 wager) | $4,000 | $5,000 |
Note that the payouts are listed as odds-for-1 which means the original wager is not returned. With a house advantage of 22% you should stay far away from this game unless the jackpot is very, very high.
Envy Bonus Payout
If you place a wager on the progressive side bet and another player seated at the table has AKQ suited (a mini-royal), you are eligible for the envy bonus payout. Here are a few rules to be aware of:
- Players with AKQ suited are paid according to the pay table and are not eligible to receive their own envy bonus.
- Dealer with AKQ suited does not trigger the envy bonus.
- If you are playing multiple hands and hit a mini royal, the other hands are eligible for the envy bonus. (the hands are considered independent of each other)
Prime
Prime is an optional side bet that was invented by Derek Webb, the same man who invented three card poker. To play you must put a wager on the prime betting spot, ante/play and/or pair plus as required by the casino. If all three of your cards are the same color or your cards and the dealer's cards are all the same color, you win.
| Hand | Pay Table 1 |
|---|---|
| Your three cards and the dealer's three cards are all the same color | 4 to 1 |
| Your three card hand is the same color | 3 to 1 |
| House Advantage | 3.62% |
What Are The Rules For Three Card Poker
If your three cards are not the same color, the prime bet is lost and collected by the dealer. The ante/play and pair plus games are played out as usual.
The house advantage on prime is 3.62%... not too bad for a side bet.
| Rank | Casino | Sign Up Bonus | Bonus Code | Full Pay Games | Visit Casino |
|---|---|---|---|---|---|
| 100% up to $/€/£ 250 | Ante/Play Pair Plus | ||||
| €200 Free or 200 Free Spins | Ante/Play Pair Plus |