After a player makes a wager, a dealer deals a hand comprised of two cards face up to the player and a hand comprised of two cards face down to himself. When the player's hand has a point value of 20, the player has an option of accepting a guarantee of a payout. When the option is accepted and the dealer's hand is not a natural, a payout that is preferably equal to one half of the wager is given to the player. When the option is accepted and the dealer's hand is a natural, a guarantee payout that is preferably equal to either one to one or a three to two on the wager is given to the player.
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