Online Three Card Poker Real Money

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Many casino games have been around for centuries, but in recent decades, new favorites have emerged to give players new options for their gambling dollars. One of the most popular new games is Three Card Poker, a game that is simple to play but offers big payouts for players who get dealt the right hands. Real money online Three Card Poker is one of the most popular games at most online casinos, in large part because both the rules and strategy of the game are easy enough to learn in just a few minutes.

Online casino Three Card Poker is one of those great games that contributes towards a gambling bonus. When you sign up with one of our top rooms and make a real-cash deposit, you can get your money matched by the casino site. If you are looking for a slick slots experience online, give our reviews a go. Credit cards online 3 card poker real money like Visa and MasterCard are often the most convenient and top choice with online gamblers around the world. Online casino gaming including poker and exchange betting is forbidden under the Betting Law of 2012.

Where to Play Three Card Poker Online

Three Card Poker is offered at most online casinos, though it is sometimes offered under alternative names for legal reasons. These games, with names like Tri-Card Poker, may also have some cosmetic differences from the Three Card Poker games we describe here. However, none of these changes affect the strategy or odds of the game.

The key thing to watch for when playing Three Card Poker online is the pay tables being used. Most casinos use the standard ante bonus pay table, but the PairPlus payouts can vary dramatically. Other than that, though, most online Three Card Poker games should play similarly.

How to Play Three Card Poker

Three Card Poker is really two games in one. When you play online Three Card Poker for money, you can choose to play either or both games. We’ll cover the two games separately, starting with the simpler of the two. Both games begin with each player receiving a three-card hand; the dealer will also get a hand. All hands are face down, though players may examine their own cards.

PairPlus Rules

The PairPlus bet is often seen as a side bet; however, it’s actually a game that may be played even without making the ante bet. The PairPlus bet pays out if the three-card hand the player is dealt is strong enough. As the name of the bet implies, players need at least a pair in order to win. The best pay table commonly offered is as follows:

Online 3 card poker
  • Straight Flush: 40-1
  • Three of a Kind: 30-1
  • Straight: 6-1
  • Flush: 4-1
  • Pair: 1-1

Ante Bet Rules

The ante bet is normally seen as the standard Three Card Poker bet, as most of the action at the table revolves around resolving it. The ante bet also allows players to incorporate some strategy, unlike the PairPlus bet, which is entirely based on luck.

After receiving and taking a look at their cards, all players who have made the ante bet now have a decision to make. Players can choose to fold – forfeiting their ante bet – or make a second play (or raise) bet of equal size if they wish to stay in the hand.

Once all players have chosen to play or fold, the dealer reveals his hand. The dealer must have at least a queen-high to qualify. If the dealer does not qualify, all players remaining in the hand win even money on their play bet, while all ante bets push.

If the dealer does qualify, the dealer and player hands are compared. If the player hand is better, the player wins even money on both the play and ante bets; if the dealer hand is stronger, then all player bets lose. Three Card Poker rankings are as follows:

  • Straight Flush
  • Three of a Kind
  • Straight
  • Flush
  • Pair
  • High Card

In addition, there is an ante bonus that is paid on hands of a straight or stronger. This bonus should be paid whether the player wins or loses. The most common pay table for the ante bonus is as follows:

  • Straight Flush: 5-1
  • Three of a Kind: 4-1
  • Straight: 1-1

Keep in mind that neither the ante bonus nor PairPlus pay tables are set in stone, and both have several variations that can be seen at different casinos. When playing online Three Card Poker for real money, always check the pay table before playing if you want to be sure about the payouts for various hands.

Online Three Card Poker Strategy

If you’re going to play Three Card Poker online, it’s worth memorizing the very simple strategy required to get the most out of the game. First, let’s state the obvious: the PairPlus bet has no strategic element. You’re paid based on what you’re dealt, and you have no control over that, so that bet is entirely luck-based.

On the other hand, the ante bet does require you to make a decision on whether or not to play each hand. The optimal real money online Three Card Poker strategy is to play all hands of queen/six/four or better (including all pairs and better hands), and fold everything that’s worse. If even that feels like too much to memorize, you can simply copy the dealer’s strategy and play any queen-high hand; this will add a tiny bit to the house edge, but comes relatively close to the optimal strategy.

If you play in a real money Three Card Poker game using the ante bonus table we outlined above, the house edge is 3.37% with optimal strategy. As we said earlier, using a simpler “queen-high” strategy is almost as good, raising the house edge to just 3.45%. the house edge on the PairPlus bet can vary significantly depending on the pay table; the table we used in our example above is the best one you’ll find, and has a house edge of 2.32%. Another common pay table reduces the amount paid for a straight from 6-1 to 5-1, which raises the house edge to 5.57%.

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Of all the casino table games based on poker hand rankings, 3 Card Poker is the most popular. This game combines simple strategy with a shot at some big pay outs for the best poker hands.

If you live in a state with regulated online casinos, you’ll be able to play Three Card Poker via desktops and mobile casino apps. Live dealer online casinos let you play a dealt game online. Software-based games are also available where you can play 3 Card Poker for free or with real money.

The key to the popularity of 3 Card Poker is the ‘Pair Plus’ side bet. Most players bet on the main hand (a requirement) and one or more optional side bets. In live casinos, you might find a side bet includes a big progressive jackpot for players lucky enough to hit a 6 card ‘Super’ Royal Flush.

This page gives you all you need to get started with 3 Card Poker whether you play online or in a brick and mortar casino. The rules and order of events in a hand of the game are covered directly below. After this, you’ll find detailed information on the side bets, house edge, strategy and the options for online play.

How to play 3 Card Poker

Each hand starts with the players placing bets. The only mandatory bet is the Ante. The minimum and maximum bet will vary. Online this can be as little as 50c, in live casinos a $5 minimum is more common. Players often combine their ante bet with one or more side-bets – these are covered in the section below.

After all the players have bet, each player and the dealer are dealt 3 cards face down.

Players examine their cards individually (without sharing what they have with the other players). You then decide whether to fold, which forfeits the ante bet, or raise. To continue with the hand (raise), you place an additional bet equal to the ante on the table in the square marked ‘Play’. Strategy for which option to choose is covered below.

After all the players have either folded or raised, the dealer will reveal his/her cards.

This game includes a dealer qualification rule. If the dealer does not have at least Queen high, his/her has not qualified. When this happens, the ante is paid at 1-to-1 and the Play bet is a push (the stake is returned).

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If the dealer has a qualifying hand, then the value of that hand is compared to the value of the players hand to determine the winner. Standard poker hand rankings are used, with bonus payouts paid for a straight or better. Note that with 3 cards, a flush is easier to get than a straight, and so considered below this in the poker rankings. In the rare event of a tie, both the Ante and Play bets are returned.

Payout on Ante Bets

Here are the additional Ante bet pay outs:

  • Straight: 1-to-1
  • 3 of a Kind: 5-to-1
  • Straight Flush: 5-to-1

Simple 3 Card Poker strategy and casino house edge

The math shows that the optimal strategy in 3-Card Poker is to play when you have Queen/6/4 or better, and to fold anything below this. You might notice that this strategy is very close to the dealer’s play – qualifying with Queen high. Some players choose to further simplify their strategy by mimicking the dealer and raising with any Queen regardless of the side cards.

While close, this does give the house a slightly bigger advantage in the long run.

Online Three Card Poker Real Money
  • House Edge for Q/6/4: 3.24%
  • House Edge for any Queen: 3.37%

As the side bets are completely independent from the main game, the pay tables for these bets will never influence your strategy.

Popular side bets in Three Card Poker games

For many players, a hand of Three Card Poker would not be complete without a bet on the ‘Pair Plus’ side bet. This bet is optional. It is also independent of the main game.

Pair Plus works by looking at your own three cards. If you have less than 1 pair, the bet is lost.

Card

Pairs Plus Payouts

With hands of 1 pair or better, you’ll be paid according to the table below:

  • Mini Royal (Ace / King / Queen of the same suit): 80-to-1
  • Straight Flush: 40-to-1
  • 3 of a Kind: 25-to-1
  • Straight: 6-to-1
  • Flush: 3-to-1
  • Pair: 1-to-1

Note that you can find casinos with minor variations of this pay table. Some casinos do not offer a boosted prize for a mini-royal, instead increasing the prize for the flush.

The other popular side bet involves all 6 cards in your hand and the dealer’s hand. The best possible 5-card poker hand using a combination of these cards will qualify for the bonus. There are several variations under the generic title of 6-card bonus.

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Some of these may include progressive jackpots. For example, Caesars Entertainment casinos have a linked progressive which pays on a 6-card ‘Super Royal’ in diamonds only.

Payouts for 6-card bonus

Typical payouts for 6-card bonuses are as follows:

  • Royal Flush: 1000-to-1
  • Straight Flush: 200-to-1
  • 4 of a Kind: 5-to-1
  • Full House: 25-to-1
  • Flush: 15-to-1
  • Straight: 10-to-1
  • 3 of a Kind: 5-to-1

Any hand below 3 of a kind results in a loss. There are many side-bet variations. Some casinos add a (smaller) progressive element to the 3 card hands of individual players. Note that the side bets have a much bigger house edge than the main game. This can be as high as 15.28% in some 6-card bonus variations.

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How to Play 3 Card Poker online

Regulation for online casinos is happening at the state level. The online casinos in New Jersey, Pennsylvania, Michigan and West Virginia will only work within state lines in each instance.

Big casino brands have partnered with local brick and mortar venues to create mobile apps as well as desktop casinos. Brands include 888 Casino, Golden Nugget and Sugarhouse.

You’ll be able to enjoy slots, video poker and table games via these casino apps. This includes 3-Card Poker, alongside blackjack, roulette, Ultimate Texas Hold’em and more.

There are two ways to enjoy 3 Card Poker online. First, you can play against casinos on software-based games. These are fast, include side-bets and can be enjoyed for micro-stakes starting at around 50c per hand.

You can also bet on the result of games streamed from a casino. Live dealer 3-Card Poker uses an overlay to bet, with a real dealer handling the cards in real time. Everyone bets on the same hand, with the hand being continued to its conclusion each time (for those people who did not fold).

This way of enjoying 3-Card Poker has social element. You can chat with the dealer and share messages with other players. Stakes are higher compared to the software-based games. You’ll have to stay focused on the game. If you time out (or disconnect) before making your decision, then your hand will be folded.

How to clear your bonus using 3 Card Poker

Most mobile casinos in the regulated states offer new players generous bonuses to sign up. These include no-deposit (free play) style bonuses, matched welcome bonus offers based on your first deposit – and many other promotions.

Keep in mind that you’ll need to play through your bonus a set number of times before any winnings can be withdrawn.

If you are playing slot machines, then all of your play counts towards ‘clearing’ your bonus. With table games including 3-Card Poker, the contribution towards bonus clearing is weighted. Some casinos will allow for 25% of your play to count, while others will offer 10% or under. Before you choose a casino bonus, checking the terms of each bonus for excluded games and weightings is always a sound strategy.

With free-play casino bonuses, you might find that only slots are permitted.

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Pros and cons: Live vs Online 3-Card Texas Hold’em

While both online and live casino table games have their place, there are distinct advantages to each. If you are lucky enough to live in a state with legal online casinos, the pros and cons are outlined below:

The pros and cons of playing 3-Card Poker online are as follows:

Pros

  • No need to travel to a casino to enjoy the game
  • Stakes are lower
  • Live dealer games include a social element

Cons

  • Only available in a handful of regulated states
  • Disconnections or time outs (live dealer) mean your hand will be folded
  • Game is not fully weighted for clearing casino bonuses

Live 3-Card Poker Casinos

The pros and cons of playing Live 3-Card Poker online are as follows:

Pros

  • Enjoyable social settings
  • Casinos often have progressive jackpot side bets
  • Loyalty schemes with free-play/resort benefits

Play Three Card Poker Online

Cons

  • Stakes are generally higher than online ($5 minimum is typical)
  • You’ll need to travel to a casino
  • Naturally slower pace of play

FAQ

Can you cheat at Three Card Poker?

While some forms of collusion are possible, these would be fraudulent and require marked cards or a casino dealer getting involved. Collusion among players would not result in a positive expectation for the game. If players developed a system to share their hands, several cards could be accounted for. This would increase or decrease the chances of the dealer having a good hand slightly – although not enough to win any money over time.

Marked cards or fraudulent collusion would be picked up by casino security as soon as losses from the table were significant. With the base strategy very simple, diversions from this would be very easy to spot.

How big a bankroll do I need for 3-Card Poker?

Compared to many casino table games (UTH, Mississippi Stud and Casino Hold’em for example) the natural variance of 3-Card poker is low. On most hands, you’ll be winning or losing single bets. There is also a low house edge, at least in the main game, of 3.27%.

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20 times your ante bet is a common starting point for this game. This is enough to enjoy a session, with the possibility of upping your bets if you go on a hot streak.

Your total bankroll depends on how much you can afford to lose and how easily your gambling money can be topped up.

How does the house edge of 3 Card Poker compare?

Compared to other casino table games based on poker hand rankings, 3 Card Poker has a slightly higher house edge. This game has an easy strategy, which means new players can quickly realize the house edge. Compare this with blackjack, where small mistakes made by newer players can have large effect on the casino’s edge.

Online 3 Card Poker

You should keep in mind that 3-Card Poker side bets have a big edge in favor of the house compared to the main game.

Three Card Poker House Edge vs. Other Table Games

Here is how 3-Card Poker’s house edge compares:

  • 3 Card Poker: 3.27%
  • Blackjack: 0.5% to 3% (depends on the rules)
  • Baccarat: 1.06% (if you play the ‘Player’ bet)
  • Ultimate Texas Hold’em: 2.2% + 0.5% of any play bets
  • Roulette: 2.7% / 5.26% (European / US wheel)
  • Casino Hold’em: 2.16%

Is it legal to play 3-Card Poker online?

States determine their own laws for online casinos. In each state where these are legal, the casinos will only work within their borders. So far, PA, NJ, MI and WV have legal online casinos. There are many more states in various stages of introducing gambling online.

Outside of these states, you can enjoy limited casino table games and slots at ‘Sweepstakes Casinos’. 3-Card poker has not yet made it to any of these brands.

Final thoughts on 3 Card poker

Of all the casino games based on poker hand ranks, 3-Card Poker is the most popular. This game combines a straightforward strategy (play Q-6-4+/fold otherwise), with the chance of boosted payouts for big poker hands. The house edge, at just 3.27%, is reasonably low. It is harder to make mistakes in this game which could boost this edge in favor of the casino. Optional side bets are available, many of them with big progressive jackpots.

If you live in one of the regulated states, you can now enjoy free and real money 3 Card online. This can be played against software, or at live dealer online casinos – where you’ll bet on a dealt game streamed from a studio.