Some single-deck versions carry an abysmal edge of 13.39% for a 21+3 side wager. So, is 21+3 worth it? Not really, considering that the house edge in blackjack using the optimal (basic) strategy is around 0.5%. For casual players, the difference may not seem significant, but for high-volume players, it can add up.

Top 3 is a second optional proposition wager with 21+3, where you can receive large payouts on a three of a kind, a straight flush, and three of a kind suited. See posted paytable for payouts and minimum/maximum betting limits. Top 3, just like 21+3, has no effect on your main blackjack bet.