Pontoon is a British banking and gambling game, deriving from the same common ancestor as Blackjack. As in Blackjack, the goal of the game is to get as close to 21 as possible without going over. Those who have played Blackjack before will find it instantly familiar; it plays much like the former game, but with a few extra rules and more places for the player to increase their bet.
The name Pontoon is most likely a corruption of vingt-et-un, French for twenty-one.
Object of Pontoon
The object of Pontoon is to, through selectively drawing more cards, obtain a better score than the dealer without going over 21.
Unlike in Blackjack, which can be dealt with as many as six decks of cards, Pontoon only uses one 52-card deck of playing cards. There’s absolutely no reason not to use Denexa 100% Plastic Playing Cards in your game. You’ll also need something to bet with, most likely poker chips.
Establish one player to be the dealer and banker. This player will be required to shoulder the risk of paying out all winning players, but also the reward of collecting all the losing players’ bets. Therefore, the banker is permitted to establish the maximum and minimum bets they are comfortable with.
Shuffle and deal one card, face down, to each player. Each player looks at their card, not revealing or disclosing it to the other players. Starting at the dealer’s left and going around, each player then places a bet between the dealer and their cards, making it clear which bet corresponds to which player. The dealer then gives each player a second card, face up.
The point value of each hand is calculated by adding the values of its cards together. Aces are worth one or eleven points, at the player’s option, face cards are worth ten points, and all other cards are worth their pip value.
The hands rank in the following order, highest first:
- Pontoon. Two cards totaling 21, i.e. an ace and a ten-point card: A-K, A-Q, A-J, A-10.
- Five-card trick. Five or more cards totaling 21 or less. For example, 5-3-3-2-A (counting ace as one).
- All other hands in order of point value, starting at 21 (with three or more cards) and going down from there.
If a player exceeds a score of 21 at any time, they are said to have busted, and can no longer win anything from their bet.
Play of the hand
Before the hand is actually played, if the dealer is showing an ace or a ten-valued card, they check their face-down card to see if they have a pontoon. If they do, they collect double the amount bet from each player, and the hand ends with no further play.
The player to the dealer’s left goes first. They have the following options:
- Declare pontoon. If a player has a pontoon, they simply note this and move the cards so that the ace is face up and the ten-point card is face down. Play moves to the next player to the left.
- Stick or stand. To take no action because they are satisfied with the current total of their hand. Play moves to the next player to the left.
- Buy a card. To place an additional bet, at least the amount of the original bet but no more than twice the bet, and receive an additional face-down card. Unlike doubling in Blackjack, a player can continue to buy cards as long as they have the money and remain under 21 (unless they twist a card, as explained below).
- Twist a card or hit. To request an additional face-up card without having to pay for it. Upon twisting a card, a player can no longer buy cards. Any further cards must be twisted.
- Split. If a player has two cards of the same rank, they may turn them both face up and split their original hand into two hands, receiving a second card for each. Only available on the first action after being dealt a hand. The player first plays out the two hands in turn order, only moving to the second hand when the first is resolved. They may stick, twist, or split again if dealt a pair.
If a player busts as a result of buying or twisting cards, they turn all of their cards face up and announce this fact. The dealer then collects their bet and their cards (the latter of which go on the bottom of the deck).
After all players have had a chance to act on their hands, the dealer reveals their face-down card. They may draw until they are satisfied with their hand total (unlike in Blackjack, there is no requirement for the dealer to stop at 17).
After the dealer resolves their own hand, all players reveal their cards. The dealer collects bets made by all players with a point total lesser than or equal to theirs (e.g. if the dealer stops at 19, the dealer collects all bets from players holding 19 or lower. Players holding a pontoon or a five-card trick are paid double the amount of their wager.
If the dealer makes a five-card trick, only players with pontoons are paid out, receiving twice the amount of their bet as normal, and all other bets are lost to the bank.
If the dealer busts, all active players get paid, with pontoons and five-card tricks paying double, as per usual.
The next hand
If anyone had a pontoon on the last hand, the cards are collected and the deck shuffled. If the pontoon was held by a player, that player becomes the banker for the next hand. Should there be multiple people with pontoons, the first one to the left of the dealer has the right to bank the next hand.
The next hand is dealt by the same banker if there were no pontoons on the preceding hand. The cards are collected and simply placed on the bottom of the deck, with no shuffle. This rewards players with a good enough memory to remember which cards were in play on the previous hand, and therefore are less likely to come up.
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