is great for beginners or those who have mastered the art of the Criss Cross. Let's say you bet $10 and you decide to take insurance because the dealer's face-up card is an Ace. You place another $5 under your original bid. If the dealer does not have blackjack, you lose your $5, but keep your original bet of $10. You're out $5. If the dealer does have blackjack, you lose your original bet of $10, but the dealer pays out two to one, thus giving you back $10. You haven't made a penny. Blackjack Surrender The ability to surrender a late hand and get half your bet back can increase the RTP by 0.07%. The best online Blackjack Surrender games offer 3:2 natural payouts, doubling down on any cards and splitting hands up to three times. One Blackjack Surrender game from Ezugi has a 99.89% RTP.