Rummy 500

OBJECTIVE OF RUMMY 500: To be the first player to earn a total of 500 points.


NUMBER OF CARDS: Standard 52 card deck (Joker is optional)

RANK OF CARDS: A (15 points), K-Q-J (10 pts),10,9,8,7,6,5,4,3,2




500 Rummy is typically played with 52 card deck plus the 2 Jokers for a total of 54 cards. With games of 5+ players use two decks. In games with 2+ players, the dealer hands out cards one at a time starting from their left. Each player gets 7 cards. In a 2 player game, each player gets 13 cards. The cards left over form the stockpile, a face-down pile of cards available to every player. The top card of the stock is flipped face-up beside it, this is the discard pile. Cards in the discard must overlap so that they are visible. Players are allowed to look at and rearrange the cards in their hand.


The play begins with the first player to the left of the dealer and moves clockwise. A turn has three parts:

  1. Players may draw the top card from the stockpile, keeping it secret from other players, and adding it to your hand. Players may also draw one or more cards from the discard pile. You can take cards from within the discard pile if (not on top of it): the card is immediately melded (see below) and you take all the cards above the card you choose to meld.
  2. Players may meld combinations of cards in their hand by placing them face-up on the table. Players may also ‘lay off’ their cards on pre-existing melds, whether it is their own or other players. Melded cards are scored for the player who melded them, so, if you wish to add your card to someone else’s meld place it in front of yourself. Rules for melding are outlined below.
  3. Players may discard. Unless every card in your hand was used to meld you must discard one card face-up on top of the discard pile. If you drew a single card from the top of the discard pile you are not permitted to discard that card. However, if you drew multiple cards from the discard you may choose one of those to discard again.

How to form a Meld: 

  • A meld can be a set of 3 or 4 cards of equal value. For example, King of Hearts, King of Spades, and King of Diamonds. In games with more than one deck, the meld can not have 2 cards in a group from the same suit. For example, you can not have 2 five of diamonds and one five of hearts, they must be all different.
  • A meld can be a sequence of 3 or more cards that are both consecutive and from the same suit. For example, if all the cards are spades, 3-4-5-6 is a valid meld.

Melds can be added onto if it extends the sequence. This process is called ‘laying off.’ Jokers act as wild cards and can be used to substitute any card in a meld. The rank of the Joker must be announced and remain unchanged through the course of the game.

Game play continues until either a player has no cards left in their hand (this happens when all cards or all but one are melded, and the remaining card goes to the discard) OR if the stockpile runs dry and the player whose turn it is does not want to draw from the discard. After this, gameplay ends and the hands are scored.


If during gameplay a player discards a card which could have been melded or leaves the discard so that it has cards which can be melded without any additional cards, any player but the one who discarded can call, “RUMMY!” They then can take a portion of the discard pile with the relevant cards. This must be done before the next player draws. The player who called rummy completes the remainder of their turn and from then on play passes to their left. You can not call rummy if the game has ended.


The game ends when one player no longer has any cards in hand or the stock is dry and the current player does not wish to draw from the discard. Players then sum the total of the cards they have melded while subtracting the value of the cards left in their hand. These scores are added to each player’s cumulative score. When the game ends you are not allowed to meld anymore. It is possible to have a negative score.

The values associated with cards are as follows. 2s, 3s, 4s, 5s, 6s, 7s, 8s, 9s, and 10s are all worth their face values. Jacks, queens, and Kings are all worth 10 points each. Aces and Jokers are worth 15 points each. There is an exception however, that an Ace melded in a run with a 2 and 3 is only worth 1 point instead of its usual 15.

Hands are continued to be played until at least one player reaches or exceeds 500 points. Highest score wins. In the event of a tie, another hand is dealt.


  • Gameplay without Jokers, Rummy was originally played without Jokers.
  • 5/10/15, some versions of Rummy value cards 2-9 = 5 points. 10, J, Q, K = 10 points. Joker = 15 points.
  • Floating can occur when a full hand is used to meld. Since you cannot discard play does not end and you ‘float’ until your next turn. On your next turn you can:
    • Draw and discard, ending the game, OR
    • Draw several cards from the discard, which you then meld, then discard a remaining card, ending the game, OR
    • Meld a single card from the stockpile and float again, OR
    • Draw several from the discard, meld some, discard one, and still have at least one card in hand. This keeps the game going like normal.
  • When ending the game or “going out,” the card put in the discard must be unplayable. 

When looking to play Rummy related card games online for real or fake money, choose a regulated online casino site for your region.

1 Star2 Stars3 Stars4 Stars5 Stars (No Ratings Yet)

16 thoughts on “Rummy 500”

    • Hey Thomas, I think I understand your question, just let me know if this isn’t the answer your looking for. If you drew just the top card of the discard pile you must discard a different card. However, if you drew more than one card from the discard pile, then after melding, you may discard again the card that was previously on top of the pile. Does this answer your question?

    • Hi Alexandria, yes you can call Rummy in this instance. Any time a player discards or leaves the discard pile in a state where any of the cards can be naturally melded without the aid of additional cards another player can call Rummy.

  1. Can I lay down 1 or 2 cards when it is my turn on another players meld? ex: opponent laid down 2, 3, 4 of hearts. Can I then lay down when my turn and after drawing from pile or discard pile an Ace of hearts or a 5 of hearts…..or both?

    • Hi Teri, hopefully, I understand your question, let me know if I do not. Yes you can lay off cards from your hand unto other players melds, these cards are still played in front of you though for scoring purposes. You may meld as many cards as you are able or wish to from your hand on your turn. You may only discard one card though at the end of your turn.

    • Hi Bella, The deal always rotates clockwise in Rummy 500. In a two-person game this just means you will take turns dealing.

    • Hi Bella, I am not exactly sure what your question is but hopefully, this helps. As far as I know, there are no additional scorings available to players. The only way to score points is to complete melds and have as few cards in your hand at the end as possible.

  2. My wife and I have been engaged in a marathon 500 rummy tournament for almost 3 months now during the Covid-19 pandemic.
    We have had several arguments over the rules. Most notably she says that I am playing “dirty” because I don’t always lay down/reveal a meld immediately when I get it. For example, I may have the K, Q, & J of hearts. Instead of laying down the meld, I may choose to wait and see if I pick up the Ace of hearts, rather than chance letting her pick it up and then lay off on my meld. The risk I take is that she may go out leaving me with a meld in my hand. I have also been known to hold two melds in my hand waiting for the opportunity to “go out” all at once. Please help me understand if this is breaking the rules (as my wife says), or if it is simply, as I believe, a smart strategy. My searches of the 500 Rummy rules on the internet have been unsuccessful in finding any website that says holding melds in your hand is illegal.

    • Hi Bill, I have never heard of a rule that states a player must immediately play their melds upon getting one in hand. In fact, many other rummy games specify that a player may hold onto melds to play in their own timing. This is offset by the fact if you wait to play and the other player goes out, you will be stuck with that meld which will affect your scoring. I hope this helps!

    • Hey Bill, I hope she’s not too mad, haha, but I am also a firm believer in modifying the rules to fit how you all like to play best.

  3. If opon going out your discard leaves a rummy in discard pile can you go out or suck it up buttercup ? also if playing Jokers also with Aces, do they go up to 20 or 25 points, and when declaring them in a meld, what happens to the card replaced, obviously it cant be used in same run meld but can it act as a meld card if its just a play in a run not by suit? ty

    • Hey Doc, So for the first part of your question. If you discard your last card a player cannot call rummy, even if your card creates a rummy because the game ends once a player has no cards in hand. A rummy cannot be called after the game has ended. For the second part of your question, jokers and Aces are worth 15 points each. this was not made clear, so I have updated the rules. Thank you for letting me know. Finally, cards that have been replaced with a joker can sometimes become “dead cards”. Basically, a card has two places it can be played, in a meld of the same rank of cards or in a run of consecutive cards of its suit. If both of these places somehow become invalidated the4 card can no longer be legally played to the board. they only way to get it out of your hand is to discard it. Hope this helps!

Leave a Comment