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Most Liberal 21 – How to Play This Blackjack Variant

Most Liberal 21 is a game owned by PlayLV. That company operates the casino at Plaza in Downtown Las Vegas. It is the only property under the PlayLV corporate umbrella.

This blackjack variant used to include “World’s” at the beginning of the title. The game originated at the now-defunct Las Vegas Club. That casino was a fixture on Fremont Street for 75 years before closing in 2015.

The rules during the early days of Most Liberal 21 were far more generous than the ones today.

Back then, players could surrender after hitting, blackjack paid 3-2, and the dealer stood on all 17s. None of those rules exist today, making Most Liberal 21 one of the worst blackjack variants spread.

Find out more about the game below.

How Most Liberal 21 Differs from Traditional Blackjack

There are many differences between Most Liberal 21 and standard blackjack games. Blackjack pays even money, except if it is suited. That pays 2-1. This rule helps offset the friendly ones Most Liberal 21 offers.

Players may double down on 2, 3, or 4 cards. This changes some of the double-down strategy, especially on soft hands and 9.

Pairs may be split an infinite number of times. Split aces may be hit, doubled, or split again.

A player that makes a six-card hand that does not bust automatically wins.

How to Play Most Liberal 21

The first step in playing Most Liberal 21 is finding the game. The only casino that spreads it is Plaza. It is on Main Street in Downtown Las Vegas across from the Fremont Street Experience. There is one table. It has a classic sign with the title attached to the table.

Once at the table with chips, place a bet into the circle in front of you. The dealer will give each player two cards face up in clockwise order out of a continuous shuffling machine. Six decks are used. The dealer receives two cards. One is face up. The other is down.

If the dealer’s door card is an ace, insurance is offered. This pays 2-1 if the dealer ends up with a blackjack. Even money is not offered if the player also has a blackjack because the game does not pay 3-2 on a natural. The dealer will check for blackjack after insurance is offered.

If the dealer is showing a 10-value card, the dealer will also check for blackjack. If the dealer has blackjack, the hand ends. Any player without blackjack loses. Blackjack hands push. Insurance bets win 2-1.

If the dealer does not have blackjack, the hand continues as normal. A player blackjack is paid now. A suited blackjack pays 2-1. All others pay even money.

Players have the following options when playing their hand.

  • Hit
  • Stand
  • Double down
  • Surrender
  • Split (if dealt a pair)

To hit, tap the table by your cards. This tells the dealer to give you a card. You may hit until the hand is 21 or over. You stand by waving over the hand. This tells the dealer that you would not like any cards.

To double down, place chips equal to the original bet. This will get the hand one card. Double down is permitted after hitting. You must stand after this action.

To surrender, run your finger across the table in front of your bet. This folds the hand. Half of the bet is returned.

If dealt a pair, split is offered. Place an equal wager next to the original bet. The dealer will split the pair. A new card is placed on each pair, and the hands play out as normal.

The player automatically loses if the count of the hand goes above 21. This is called a bust. The player wins automatically if the hand contains six cards that total 21 or less. This is called a six-card charlie.

Once all players have acted, the dealer exposes the hole card. The following rules apply.

  • If the dealer has 18 or higher, or a hard 17, the dealer stands
  • If the dealer has 16 or lower, or soft 17, the hand hits until it has a hard 17 or 18 and higher
  • If the dealer makes a count of 22 or higher, the house busts

All players still in the hand win if the dealer busts.

If the dealer does not bust, the house hand is compared to the ones held by each player. If the player has a higher count than the dealer, the player wins even money on all bets.

If the dealer has a higher count than the player, the house wins the bets. If the house and the player have the same point total, the hand pushes, and bets are returned.

Split hands are graded separately. It is possible to win one and lose others or vice versa.

Most Liberal 21 Strategy

The ability to double down after hitting and winning on a six-card charlie changes the strategy when compared to a typical game.

Hard Hands

Always hit on hands up to 8. After that, follow the list below.

  • 9: Double down against 3 through 6; otherwise, hit
  • 10: Double down, except hit against 10
  • 11: Always double down
  • 12: Stand against 3 through 6; otherwise, hit
  • 13 and 14: Stand against 2 through 6; otherwise, hit
  • 15: Stand against 2 through six; surrender against 10 or ace; otherwise, hit
  • 16: Stand against 2 through 6; surrender against 9, 10, and ace; otherwise, hit
  • 17: Surrender against ace; otherwise, stand
  • 18 and higher: Always stand

Soft Hands

  • Soft 13: Always hit
  • Soft 14: Double down against 6; otherwise, hit
  • Soft 15: Double down against 5 and 6; otherwise, hit
  • Soft 16: Double down against 4 through 6; otherwise, hit
  • Soft 17: Double down against 3 through 6; otherwise, hit
  • Soft 18: Double down against 2 through 6; stand against 7 and 8; otherwise, stand
  • Soft 19: Double down against 6; otherwise, stand
  • Soft 20: Always stand

There are a few hands where the strategy changes once a card has been hit.

  • Hit 9 against a 3 on two cards
  • Hit 10 against an ace on two cards
  • The only correct doubles after hitting 2 cards are 10 against a 4, 5, or 6 and soft 19 against a 6
  • On 5 cards, always hit 15 and lower and 16 against anything but a 5 or 6


  • 2s: Split against 2 through 7; otherwise, hit
  • 3s: Split against 3 through 7; otherwise, hit
  • 4s: Split against 5 and 6; otherwise, hit
  • 5s: Double down, except hit against 10
  • 6s: Split against 2 through 6; otherwise, hit
  • 7s: Split against 2 through 7; otherwise, hit
  • 8s: Split, except surrender against an ace
  • 9s: Split, except stand against a 7, 10, or ace
  • 10s: Always stand
  • Aces: Always split

We’ve produced the following strategy chart to help you learn and remember these strategy rules.

Most Liberal 21 Strategy Chart

Where to Play Most Liberal 21

Plaza Hotel and Casino in Downtown Las Vegas is the only place you will find Most Liberal 21 spread.

This game used to be spread at Las Vegas Club. However, that casino shuttered in August 2015. Both casinos were owned by the same company.


Most Liberal 21 most certainly is not what the title describes. The house edge is 1.33%.

This is more than double the house edge of the standard blackjack games at Plaza. We recommend playing one of those instead if you are there.

The traditional blackjack tables at Plaza pay 3-2 and permit double down before and after splitting. The dealer hits soft 17.

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