The surrender rule makes you give up 50% of your bet. In the long run, you should only put the play into action when you are dealt two cards that, based on percentages, will lose approximately 75% of the time.

If the dealer's up card is 9 through Ace, always surrender when your first two cards equal fifteen or sixteen.

If the dealer's up card is 10 through Ace, sur­render when your first two cards equal four, five, six, or seven. (Exception: Take a hit if one card is an Ace.)

This is a very broad base for surrender moves. There is a lot of controversy among so‑called Blackjack experts about surrendering the four through seven hands, but I have found that by throwing in these very weak hands against the dealer's strong cards, losses are reduced.

Casino Surrender

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