OPTIMAL HOLD DECISIONS FOR 9/6 FULL-PAY — 99.54% RTP
The following table lists every possible hand category in priority order from highest to lowest expected value (EV). When you are dealt a hand that matches multiple categories, always hold the option with the highest priority (highest row in the table). This is the definitive jacks or better strategy chart for 9/6 full-pay machines.
| # | HAND TYPE | HOLD | EV |
|---|---|---|---|
| 1 | Royal Flush | All 5 | 800.00 |
| 2 | Straight Flush | All 5 | 50.00 |
| 3 | Four of a Kind | All 5 | 25.00 |
| 4 | 4 to a Royal Flush | 4 cards, draw 1 | 18.66 |
| 5 | Full House | All 5 | 9.00 |
| 6 | Flush | All 5 | 6.00 |
| 7 | Three of a Kind | 3 cards, draw 2 | 4.30 |
| 8 | Straight | All 5 | 4.00 |
| 9 | 4 to a Straight Flush | 4 cards, draw 1 | 3.40 |
| 10 | Two Pair | Both pairs, draw 1 | 2.60 |
| 11 | High Pair (JJ, QQ, KK, AA) | Pair, draw 3 | 1.54 |
| 12 | 3 to a Royal Flush | 3 cards, draw 2 | 1.41 |
| 13 | 4 to a Flush | 4 cards, draw 1 | 1.22 |
| 14 | Low Pair (22–1010) | Pair, draw 3 | 0.82 |
| 15 | 4 to Open-Ended Straight | 4 cards, draw 1 | 0.68 |
| 16 | 3 to a Straight Flush (open) | 3 cards, draw 2 | 0.63 |
| 17 | 4 to Inside Straight (3+ high cards) | 4 cards, draw 1 | 0.60 |
| 18 | 2 Suited High Cards (JQ, JK, QK suited) | 2 cards, draw 3 | 0.58 |
| 19 | 3 to a Straight Flush (1 gap) | 3 cards, draw 2 | 0.54 |
| 20 | 2 Unsuited High Cards | 2 cards, draw 3 | 0.49 |
| 21 | Suited 10-J, 10-Q, or 10-K | 2 cards, draw 3 | 0.48 |
| 22 | 1 High Card (J, Q, K, or A) | 1 card, draw 4 | 0.47 |
| 23 | Nothing (no pair, no draw) | Discard all 5 | 0.36 |
These are the hands where most players make mistakes. Understanding these borderline decisions separates break-even players from those who achieve the full 99.54% return.
Always yes. A pat flush pays 6 coins, but four to a Royal has an EV of 18.66. The Royal draw is worth three times more than the guaranteed flush payout. This applies even to the strongest flush (Ace-high flush with four Royal cards).
Three to a Royal (EV 1.41) beats a high pair (EV 1.54) only when the three Royal cards are suited and consecutive or near-consecutive. Wait — the chart shows high pair as 1.54 vs. 1.41 for three to a Royal. So why break a high pair? You don’t. Hold the high pair over three to a Royal in standard jacks or better strategy. The only exception: if you have NO high pair and your three suited cards include 10-J-Q or higher suited combinations.
Four to a Flush (EV 1.22) beats a low pair (EV 0.82). Always discard the low pair and draw to the flush. Many recreational players instinctively keep pairs, but the flush draw is significantly stronger.
Low pair (EV 0.82) beats four to an open-ended straight (EV 0.68). Keep the pair. The pair can improve to trips (4.26%), full house (0.92%), or quads (0.09%), giving you multiple winning paths. The straight draw only completes 17% of the time for a single 4-coin payout.
When dealt multiple unsuited high cards (e.g., J♠ Q♥ K♦), prefer keeping the lowest two. The reason: J-Q can make more straights (J-Q-K-A straight and 10-J-Q-K straight) than Q-K (only one straight pattern). If you must choose between two suited and two unsuited, always prefer the suited combination.
The “9/6” designation refers to the Full House (9x) and Flush (6x) payouts. This is the full-pay version with the highest return. Lower pay tables (8/5, 7/5, 6/5) have progressively worse returns and should be avoided when better options exist.
| HAND | 1 COIN | 2 COINS | 3 COINS | 4 COINS | 5 COINS (MAX) |
|---|---|---|---|---|---|
| Royal Flush | 250 | 500 | 750 | 1,000 | 4,000 |
| Straight Flush | 50 | 100 | 150 | 200 | 250 |
| Four of a Kind | 25 | 50 | 75 | 100 | 125 |
| Full House | 9 | 18 | 27 | 36 | 45 |
| Flush | 6 | 12 | 18 | 24 | 30 |
| Straight | 4 | 8 | 12 | 16 | 20 |
| Three of a Kind | 3 | 6 | 9 | 12 | 15 |
| Two Pair | 2 | 4 | 6 | 8 | 10 |
| Jacks or Better | 1 | 2 | 3 | 4 | 5 |
Apply what you’ve learned with our free Jacks or Better games. Each game includes an AI trainer that flags sub-optimal holds in real time, helping you internalize the strategy chart above.
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