OBJECTIVE OF THREE CARD RUMMY : The final goal of Three Card Rummy is to create a hand that has a value lower than that of the dealer’s. 

NUMBER OF PLAYERS : 1 to 7 players

MATERIALS : A standard decks of 52 cards, casino chips or cash, and a blackjack table with a custom layout.

TYPE OF GAME : Card Matching Game



The game is played by forming a card hand that trumps that of the dealer’s, in value. There are several variations of rummy, and this is one of them. In this version, players are dealt 3 cards each. If their hand is valued less than the dealer, they win.


Each player is dealt a total of 3 cards at the table. Bets are made with chips or cash. The card values are calculated, including any hands that form, and compared to that of the dealer. The winning hands are paid out.


The dealer collects the Ante bets from all players. A maximum of 7 players can play in each round. Once all bets have been collected, each player will be dealt a total of 3 cards. Player’s cards are dealt face up while that of the dealers remain face down. The players then count their cards and take into consideration any hands that may have formed.

Points are calculated based on the face value of the cards. Numbered cards are accepted as is, court cards are assigned as 10, and Aces are valued at 1. Any hands that are formed are valued at 0. 

Based on their active hand, players will decide to Fold or Play. If they fold, the Ante bet is forfeited and the round ends. Any player who chooses to play will make a further Play bet. The dealer opens his cards and the winning bet for Play is paid out.

There is also an optional Bonus bet. This bet pays out whenever a player’s active hand is scored at 12 and below. However, this bet has a high house edge, at 3.46%. This is nearly double that of the game itself.


  • Ante bets pay out when the player’s hand is lower than the dealer, in any situation.
  • Bonus bets pay out whenever the player’s hand is valued at 12 and below, in any situation.
  • To play, the dealer’s cards must qualify.
  • Dealers cards cannot exceed 0 – 20 to qualify for the Play round.
  • Players who want to play must make the Play bet.
  • The rule of thumb is that the lowest value card hand will win.



Any two or three cards that are of the same kind are called pairs and sets, respectively. When found, the value of these cards drops to 0. For example :

  • 9♥-9♠-9♦ = 0
  • 4♠-8♥-8♣ = 4
  • 3♦-A♣-A♥ = 3


When your cards are lined up by suit, either two or three of them, they’re known as a suited run. These also have a value of 0. For example :

  • 8♥-9♥-10♥ = 0
  • 9♠-10♠-Q♣ = 10
  • 1♦-2♦-6♠ = 6


Players with cards lower than the dealer’s hand will win their respective Ante and Play bets. Any player with a Bonus bet wins a payout with a hand of 12 or lower. 

Nakoa Davis