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Royal Vegas Casino Full Review
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Bonuses & Promotions

We appreciate the bonus and promotional program that this casino has put together for its players for a few reasons.
The first is that the site and the program are not overwhelming and packed with a reload bonus here and a reload bonus there and throw in some free spins three times a day as long as you make ten deposits a week. You know, that type of thing…
Instead, there’s a standard welcome bonus package that’s nothing different than most that you’ll find through internet casinos. But, what creates some real value add opportunities are the loyalty program plus the limited time promotions.
We’re going to detail the current promotion for you in just a minute but, what’s great about it is that there’s no deposit required If you’re on the site to do some betting, you can get in on the action and have some fun participating and spinning the wheel for prizes. It’s frustrating to see some great rewards up for grabs but then read the small print and find out that it’ll cost you hundreds to even get in the running, and that’s not the case here. Play your favorite game and wager as you normally would, and you’re part of the promotion.
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$1,200 Welcome Bonus Package + 50 Free Spins

New players can get in on a three-part reward that includes both a deposit match plus some free spins on three different designated slot games. That’s good news. The not quite as good news is that you have to rollover the bonus 40 times before you can cash anything out. This site offers two types of tracking, though, so you’ll need to get further clarification on meeting any wagering requirement and find out if you’re on a percentage tracking system or in protected bonus mode as it will make a difference.

The Welcome Package

#1: 100% matching bonus up to $400 plus 50 free spins on MEGA MOOLAH
#2: 100% matching bonus up to $400
#3: 100% matching bonus up to $400

Limited Time Promotions

Royal Vegas features a current promotion that runs for about a month or so, and it also provides information on past contests so new players can get a good idea of what to expect in the future.
When we checked in, the current promotion was “Wild Wins” with a €300,000 instant prize pool at stake. This is the kind of bonus that we like to see because it’s not tied into a deposit requirement. Those types of things get old. You want some extra value while you’re playing instead of having to fund your player account over and over again.
So, the way Wild Wins works (say that three times fast) is that you log in and play your favorite game in the casino. The more you bet, the faster you fill your progress bar with rewards points. Every time you get up to 100% on that meter, you get a spin on the jungle wheel
The jungle wheel has prizes that include free spins, rewards points, or a trip to the bonus round where you can get in on the big stuff. They’re all instant prizes, and you can spin as many times as you fill that progress bar.
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Royal Vegas Rewards Program

If you’re familiar with online casino VIP programs, you’ll immediately understand this one. It’s a four-tiered club, and every new player is automatically enrolled as soon as they complete registration of their betting account.
The tiers are:

Silver
Gold
Platinum
Diamond

Silver is the starting point and, just to get the ball rolling, new members get 2,500. From there, points are earned based on your betting, with slots providing one point for every credit bet. Some table games provide at a rate of one point per five credits but, when you get to Classic Blackjack and All Aces Video Poker, you need to do some substantial wagering. It takes 100 credits to earn one point when you play those two games.
As soon as you earn 10,000 in one month, you hit the Gold status and then you’ll receive a birthday present, accelerated earnings, and a monthly loyalty bonus. Get all the way to Platinum with 75,000 points in one month, and all of those rewards are multiplied significantly. Plus, once you reach 5,000 points you can convert them to cash whenever you want. They exchange at €1 for every 1,000 points redeemed. Cash to points and points to cash.

Money Transfers – In and Out

If you’ve read some of our reviews, you may have noticed that we like full disclosure when it comes to banking. We want to see options right up front for everyone to review and not hidden behind a password so that customers need to register to find out if they can even deposit using their financial accounts.
While this casino does provide a good, detailed list of all of the available financial providers that they use for deposits and withdrawals, what it doesn’t provide is accurate information on their turnaround times for processing and any fees that may be imposed.
It does say that some fees may apply, and we do know that there is a minimum 24 hour waiting period before an internal approval is made on cash out requests, but that’s the extent of it.
We’re putting the focus on this because cash outs with Royal Vegas are one of the most discussed topics in player forums about the casino. You will see some very complimentary comments stating they had money in hand within seven days. But, you’ll also find some people report that they went through a very lengthy withdrawal process and didn’t feel that customer service did much to help them or clarify things.
Just like opinions, money issues will vary from person to person so we can’t give a definitive answer here, but you will want to keep this information in mind if you are someone who demands a quick turnaround as you may not find one through this site.
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Deposit Options

It’s typical for a casino to have many ways to deposit and fewer withdrawal methods and that is also the case here. But, there are so many withdrawal options that the expanded “cash in” list goes on and on. Unless you are a Bitcoin user, your preferred banking method is surely on this list.
The minimum deposit for all of these methods is 10. However, you can sign up with a lower minimum deposit, but then forfeit the free spins that are included in the welcome bonus package.
That’s quite a list, isn’t it?! There are some other currency restrictions but just click on banking and then the deposit tab and you’ll be able to review the currency options that specifically apply to you.

Withdrawals

There aren’t specific guidelines on payout approvals and fees. The internal approval takes a minimum of 24 hours and could take longer and then it’s in the hands of the payment processor or bank.

Visa Credit Card
Visa Debit Card
Solo
Neteller
Skrill
ecoPayz
Entropay
Instant Banking by Citadel
WebMoney
CartaSi by Moneybookers
Diners Club
GiroPay by Moneybookers
Solo by Moneybookers
Nordea by Moneybookers
Sofort by Moneybookers
Cheque
iDebit

As far as fees, we contacted customer service and were told that any charges depend on the method that you’re using. They don’t have published guidelines, so you will want to keep that in mind. We highly suggest contacting customer service and providing your country, currency, the financial method you’re selecting, and approximate transfer amount and get all of the details up front, so you’re not disappointed later.

Game Variety

Thumbs up to Royal Vegas for providing a great variety that includes specialty, video poker, some unusual table games, and both reel and video slots courtesy of Microgaming. Not all of them appear in the mobile casino, so specialty players need to pull up the full website version.

Audio and Video Quality

As long as you have Flash installed first, the user interface is very easy, and the quality is as good as it gets with these particular titles. We found them to be fast loading and the graphics crisp and clear.

Software

Microgaming
Evolution Gaming
Netent

Mobile Casino

171 games appeared for us on an Android device. While we couldn’t find the specialty games, slots, table games, video poker, and the full live casino area were all ready to go for us with a clear picture and touchscreen operation.

Slots: 350 (148 on mobile)

The slot banks are all together as there aren’t different versions separated out, but you can sort them alphabetically or search for a particular title to quickly locate your favorite. Slots can also be played in free play mode so you can try out some without risking money at the same time.

A Few of the Newer Games Include

108 Heroes – Multiplier Fortunes
Gnome Wood
Emoti Coins
Oink Country Love

You can even filter the games with a Hot and Cold designation. If you use that particular function, you’ll get a new list of games with either flames or a snowflake next to them, which is kind of a fun way to narrow down your selections.

Some of the Reel Slots

Jurassic Jackpot
Bar Bar Black Sheep
7 Oceans
Couch Potato
Flo’s Diner
Jester’s Jackpot
Wheel of Wealth
Jewel Thief
Joker 8000
Gladiators Gold

Video Slots

And, what Microgaming is known for, those intricate video slots with amazing graphics and video, and featuring some unusual bonus games.

Jungle Jim El Dorado
Thunderstruck II
Shoot!
Jurassic Park
Bridesmaids
Jekyll and Hyde
MegasSpin – Break da Bank Again
Game of Thrones
Wheel of Wealth – Multiplayer
Hitman

Progressive Jackpots

When you talk about slots provided by Microgaming, the focus is usually more on the progressive jackpots as this software giant offers some of the more well-known big money games. Royal Vegas provides a running total of the current combined progressive amounts available on the site. Just in case you were wondering, it was $6.2 million when we last checked.

Mega Moolah
Mega Moolah Isis
Major Millions
Cash Splash
Treasure Nile
King Cashalot
Tunzamunni
Fruit Fiesta
Lots a Loot
Jackpot Deuces
Wow! Pot
Cyberstud Poker

Major Millions, Fruit Fiesta, and Lots a Loot each have two versions, a three reel and a five reel but boast the same top payout amounts.

Video Poker: 26 (seven on mobile)

It can get monotonous to talk about video poker as it’s typically not well-represented on online casinos compared to its presence in brick and mortars. When it is online, there are usually only a few of the most basic games like Jacks or Better and Deuces Wild. While this site’s video poker collection isn’t what you would call massive, there are some fun variations that we appreciate, as it gives those poor neglected poker players some choices.

Tens or Better
Louisiana Double
Deuces Wild 4 Up
Aces and Faces Poker
Cyberstud Poker
Deuces and Joker Power Poker
All American
All Aces
Bonus Poker Deluxe
Aces and Eights

Table Games: 50 (eight on mobile)

When you access the table game area, you’ll see 58 tables as opposed to 50 but that’s because the live dealer tables are also included, and we’re breaking them out so you can get a better picture of what this casino has to offer.
A few of the “non live” options include:

Double Exposure Blackjack
Vegas Strip Blackjack Gold
Big Five Blackjack Gold
Multi Wheel Roulette Gold
Three Card Poker Gold – Single Hand
Baccarat Gold
Hold ’em High Gold
High-Speed Poker
European Blackjack Gold Series High Streak
Craps

Scratch Cards: 20 (zero on mobile)

Although we didn’t find any of these games on our smartphone, there are plenty of specialty type games on the full website for instant or download play.

Flip Card
Wild Champions
Mumbai Magic
Card Climber
Golden Ghouls
Bowled Over
Plunder the Sea
Offside and Seek
Halloweenies
Dawn of the Bread

Casual Games: 33 (zero on mobile)

Another section that we couldn’t find in the mobile casino, but this casual games section has a lot of variety to it

Hexaline
Keno
Four by Four
Whack a Jackpot
Max Damage and the Alien Attack
Pharoah Bingo
Electro Bingo
Pick ‘N Switch
Beer Fest
Bubble Bonanza

Live Casino: eight (eight on mobile)

Although live casino doesn’t appear in the middle menu where all of the other gaming menu items are featured, there is a live casino selection from the top menu. Oddly enough, though, when you click on it, it takes you to the main slots area. At first, we didn’t think there was a live casino, but when we headed into the table game section, there were eight live tables in action.
Except for Live Dream Catcher, the tables in the in this area are provided by Evolution Gaming.

Live Dream Catcher
Live Blackjack
Private Blackjack (2)
Live Casino Hold ’em
Live Caribbean Stud Poker
Live Roulette
Live 3 Card Poker

Customer Service

Contact Email: via contact form
Contact Phone (Canada): 1-866-7452416
Contact Phone (Australia): 1-800-658640
Contact Phone (other areas): different numbers per language in the contact us area
WhatsApp: +27 76 073 9635
Skype: Link on Contact Page
Live Chat: Available 24/7

We did make contact with the customer service department to clarify a few things about their banking minimums and fees. In some forums, we saw that players weren’t answered promptly, but our live chat started within one minute. The most we waited for a reply to one of the questions was three minutes.
On the other hand, we weren’t overwhelmed with the quality of the responses. It was like pulling teeth to try to get an answer and, when we did, it was short and barely scratched the surface of what we asked. So, we can certainly understand the frustration that some people experienced, especially if they were trying to get information on a payout they’re owed.

Summary

When we look at a casino that features one and only one software provider, it’s difficult to be creative in our assessment. Microgaming is a top company and offers some of the best games around, so slot players who know these games already know what to expect.
If you pull up the Microgaming website and look at their top “creations,” you’ll find most, if not all, of them on Royal Vegas, not to mention those big jackpot providers like Major Millions.
We do like that this site offers more than just a focus on slots. The specialty games area is chock full of possibilities for people who would rather play something different. There are a lot of players who enjoy keno or bingo or scratch offs, and they’re all set as long as they play the full site version and aren’t mobile casino players.
Video poker and table games are plentiful and have a good variety in addition to a suitable quantity.
Evolution Gaming is behind the live dealer tables, and it’s one of the best for this type of “real person” table action, so that’s another feather in Royal Vegas’ cap.
Taking a look the rest of the service, though, there are some positives and negatives.
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Since the Diamond Casino update, I have seen a large number of 12-year-olds posting Blackjack memes on this sub. As a parent, this has me very worried.
On top of that, I have seen some of the most trustworthy GTA Youtubers giving flawed gambling advice, which can have damaging impact on their gullible audiences.
So that's why I decided to write this up, to educate everyone on the subject, so there will be no more misunderstandings.
(2020 Update down at the bottom.)
If you're one of those Youtubers that wants to use this information in a video, feel free to do so. The more people (especially kids) that become educated about gambling, the better.
But then also please go back and review your own work, and delete or edit the videos that are giving out the wrong advice, like where you're saying you have "a good strategy for making money with roulette", or some other nonsense that I've heard this week. Delete that please.
Before I get into the individual games, I need to discuss a few concepts first, that will make understanding the rest a lot easier.

Expected return and variance
A game like Roulette or Slots has a fixed expected return on your bets. This is a percentage that you have no way of influencing. Say you are flipping a coin against a friend, and you both put up $1. The winner gets the pot. Since the odds are even at 50%, in the long run, you will expect to break even. Your expected return is 100% of your bet.
But imagine if you would play this coin flipping game in a casino against the house. On the "house rules" listed at the table they would probably say that you would only get 95 cents back for every win, while you are forfeiting a dollar on every loss. Would you still play?
Sounds stupid to do so, but still, everybody does it. Every bet they place on Roulette, every coin they put into a Slot machine, is based on the same concept.
Those few cents they take on every bet are their profit margin, and has paid for all the Vegas lights, the Mirage volcanoes, and the Bellagio fountains. Make no mistake - casino gambling games are not designed to make you lose, because sure, you can get lucky on a single night, but they are designed to make them win. That's the beauty of it. They can both exist at the same time.
Too many people that don't see how this works, are just destined for disaster. Just because you went on a lucky streak and won 8 games out of 10, does not mean that flipping coins is a profitable game, or that choosing tails is a winning strategy. Always be aware of the house edge, your true chances of winning, and just realize that you got lucky. There is no such thing as a strategy in flipping a coin that will give you a higher expected return, so it's just pure gambling, just like Slots and Roulette.
Most casino games are made in such a way, that your expected return is a little under 100%. This means that from every dollar bet at the tables, the casino expects to keep a few cents. For individual players, results may vary. Some will win, most will lose. But for the house, it doesn't matter. They take millions of bets each day, so for them, the expected average works out a lot sooner. In short: the house always wins.
When looking at the house edge, we're talking about the expected long-term result, based on the game's house rules. But for a player, it can take literally tens of thousands of hands or spins before you also reach this average number. Until that time, you can experience huge upswings and downswings, that are the result of nothing but short-term luck, which is called variance.
Some games and some bets have a much higher variance than others, which means your actual results will differ enormously from what you're expected to be at.
Take for example betting on red/black at the Roulette table. This is a low-variance proposition, because it has a high percentage chance of occurring, and a low payout.
Contrast this with betting single numbers in Roulette, which only win once every 38 spins on average. This bet has a much higher variance, meaning you can easily hit a dry spell, and not hit anything for 200 bets in a row, or you can see a single number hit three times in five consecutive spins. This is not a freak occurrence in high-variance bets.
Even though the expected return in both these bets is exactly the same, there's a huge difference in variance, causing massive differences in short-term results, which can go both ways. You need to be aware of this, before you decide what types of bets you are comfortable with placing.

Gamblers' Fallacy
Another thing to realize, is that each individual game, hand, or spin, is completely independent from the one(s) before it, and after it.
Gamblers tend to believe, that the chance of a certain outcome is increased, based on previous results.
The most famous example comes from the Casino de Monte Carlo, where the Roulette wheel managed to land on black 26 times in a row. Gamblers lost many millions during that streak, all frantically betting on red, believing that the odds were in favor of the wheel coming out on red, after producing so many blacks. This is not true. Each round is completely independent, and the odds are exactly the same.
You will hear people say things like a Blackjack table being "hot" or "cold", which is completely superstitious, and should be ignored. The exception was when Blackjack was being dealt from a shoe. It made card counting possible. But with the introduction of shuffle machines, and continuous shuffling like is being used in GTA, this no longer exists.
This is also why "chasing your losses" is a very bad idea. After being on a losing streak for some time, many gamblers believe that now it's their turn to start winning. So they will often increase their bet size, believing that when their predicted winning streak comes around, they will win back their losses, and more.
The reality of it, more often than not, is that people will indeed start playing higher and higher limits, until they are completely broke. Nobody is ever "due for a win". There is never a guarantee that you're about to start winning. In fact, the opposite is more likely to be true. You are, after all, in a casino.

Betting systems
Some people like to think that they have a fool-proof betting system, like the Martingale system. Simply increase or even double your bet when you lose, and keep doing that until you win. In theory, this system will always win. So that's why table limits were introduced, and where the system fails.
If you start at the Roulette table, playing red/black, with a small 750 chip wager, and just double your bet every time you lose, you only have to lose 6 times in a row, before you will be betting the table limit of 48,000, just to get that 750 chip profit.
Sure, you can go on all evening without this happening, winning 750 chips each time, but this losing streak only has to happen once, and you're bust. Any betting system like this is ill-advised, because you are hugely increasing your so-called "risk of ruin", and that's what we were trying to avoid.
And even if your starting bet is only 100 chips, after only nine straight losses, and nine doubled bets, you are betting the table limit at 50,000 chips. If you lose that bet, you're 100,000 chips in the hole, with no way to recover that with your 100 chip base wager.
So don't believe anyone that says this is the perfect system to always win in the casino. Sooner or later they will understand why they were wrong, when they're asking you for a loan.

Set your limits BEFORE you start playing
One final point before we get into the games, a general tip for people that head out to play: money management.
Just like in real life, before you go to the casino, decide on a maximum amount that you are WILLING TO LOSE.
Bet small enough, so that amount can last you through the entire evening, and you will not be tempted to run to the ATM to continue playing.
Considering GTA money, some people will be comfortable losing 1% of their GTA bank balance, some people will be comfortable with gambling away 5% of their total GTA savings. It's up to you what you can handle. Decide for yourself where it will start to hurt, and don't cross that line.
But whatever number you decide on, as soon as you lost that amount, get up and walk away. Don't chase your losses, stick to your limits, and accept that this has not been your day. There is always another game tomorrow. Always agree with yourself on a simple stop-loss rule, how much you would want to lose at most, and simply stop playing when you get there.
Same goes for winning. You can decide on a number, how much profit you would like to take away from the casino. You can go on a hot streak and be up half a million in a short period of time, but if you would continue to play longer, looking for more, chances are that you're going to lose it all back.
Most people are happy with doubling their daily casino budget, for example. Others are looking for 10 bets profit in Blackjack. Whatever you choose, when you hit that number, you can stop playing and bank your profits, or you can continue playing if you're still enjoying the games, but then only just play minimum bet sizes. Then you're just playing for fun, not for money. You've already made your profit, so simply keep it in your pocket, and don't risk losing it again.
Either way, decide on what your money management strategy will be, and STICK TO IT.

Casino games in GTA Online
Now, I'm going to dive into the games that you can find at the Diamond casino, ordered from worst to best.

6) Slots
Generally the rule is this: the less strategy a game has, the worse it is for the player. And with slots, this is definitely the case.
The only influence you have, is choosing what type of machine you're going to play. Basically, there are two types of slot machines:
-high frequency, low payout slots
-low frequency, high payout slots
In the first type, there is no huge (progressive) jackpot on offer, just your average selection of prizes that don't go up to crazy amounts.
This will result in a player having many more spins resulting in a win. The amounts that you win on the bigger prizes, will be smaller, but they do come around more often. This type of slot machine has a lower variance, which means that your money should last you longer, winning many smaller prizes along the way to keep you going.
The second type of slot machine lures you in with the temptation of a huge jackpot prize. Even though the long-term expected return on these machines is the same as the previous type, the prize distribution is hugely different. The large jackpot prize weighs heavily on the scale of expected return, but the chance of it hitting is extremely small. This results in a much higher variance on this type of machine. Usually your money will go down very fast, because the smaller prizes are less rewarding than on the other type of machine.
At the Diamond, the info screen says the player return at slots is set at 98.7%. This means that, on average, for every maximum bet of 2,500 chips, you expect to lose 32.5 chips.
This might not seem like a lot, but the danger of slots is that the game is extremely fast. You can spin about once every 6 seconds, which would result in an expected LOSS of about 20,000 chips per hour of playing.
But again, in this long-term expected number, the large jackpot awards are also factored in, and as long as you don't hit those big prizes, you'll see your money go down a lot faster.
In any case, thank heavens the max bet is only set at 2,500, or else we would see more players go bankrupt at alarming rates.
Optimal strategy for slots:
There is none. Because after betting, you have no more influence over the outcome. The only choices you have, is what type of machine you want to play at, and how much money you are going to risk. And those are all personal preference. As long as you stick to your loss limits, as discussed above, there's no harm in having a go every once in a while, hoping to get a lucky hit. Just realize that you don't have a high chance of scoring a big win, so as soon as you do, get up and walk away.

5) Roulette
Roulette is also a game where you have no influence over the outcome. There is zero skill involved. You place your bet, and that's it.
In traditional French roulette, a table has only the single-zero, but of course, for American casinos that wasn't enough of a house edge, so they simply doubled their profits by adding a second zero. The house edge was increased from 1/37 to 1/19, which is huge.
This makes playing on a double-zero roulette table by definition a sucker's play.
The payouts scale evenly, which means that a bet on a single number, and a bet on half of the numbers, and everything in between, yields the same expected return. The only difference, again, being the variance that you are willing to subject yourself to.
The player return for double-zero Roulette for all bets is 94.74%.
Except for the 5-number bet, which can only be made by placing a bet on the two top rows that contain 0, 00, 1, 2 and 3. The expected return on this bet is lower: 92.1%. This is because it only pays out 6-1. Why? Well, the number 36 isn't divisible by 5, so the greedy people that came up with double-zero Roulette had to round it off someway, and as expected, it wasn't going to be in the players' favor.Just remember that that 5-number bet is the worst bet at the table, and should be avoided. All other possible bets have the same expected return.
So it really doesn't matter how you spread your bets, if you bet only one chip, or if you litter the entire table with a bucketload of chips. Each chip you put out there, has the same expected return, so there is no strategy that will improve your long-term results.
Assuming that you're betting the maximum table amount of 50,000 chips, you will be looking at an expected loss of about 2,630 chips per spin. Considering that a round takes about 45 seconds to complete, your expected LOSS at the GTA Roulette tables will be around 200,000 chips per hour of playing.
Optimal strategy for double-zero roulette:
Stay away. Stay far away.

4) Three Card Poker
With Three Card Poker, we come across the first game where there is actually some strategy involved. You get to look at your cards, and then decide if you want to fold, and surrender your ante, or double your bet.
Additionally, you can choose to place a side bet on "Pair Plus", which offers progressive payouts.
There are some websites out there that ran all the numbers with computer simulations, and even though I would like to quote the source here, these websites are understandably littered to the max with online casino ads, so that's why I have decided against doing that.
Optimal strategy for Three Card Poker:
For this game you only have to remember one strategy rule: Always bet on any high card queen-six-four or better, and fold any high card queen-six-three or lower. That's it. Just don't forget to double check if you're not folding a straight or a flush, and you'll be fine.
This strategy will result in an expected return of 96.63%.
The Pair Plus sidebet, with the payout table that is used at the Diamond casino, gives you an expected return of 97.68%, which is actually a bit better than the main ante bet.
So by playing both wagers, you're reducing your expected losses per bet, but since you're betting more, you're also increasing your expected loss per hour.
My advice would obviously be to not play this game at all, but if you do, put as much of your bet as possible on the Pair Plus, while making our Ante bet as small as you can.
To be able to compare it to the other games at the Diamond, let's stay on that 50,000 maximum wager, meaning making your ante bet 35,000, and your pair plus bet 15,000, if the table would allow it.
This results in an expected loss of about 1,525 chips per hand, and with a round taking about 45 seconds, this adds up to an expected LOSS of around 120,000 chips per hour of playing. In comparison, if you would only play the ante bet for 50,000 per hand, you expect to lose 1,685 chips per hand, which means an expected LOSS of about 135,000 chips per hour. So the more out of that 50,000 wager you can put on the "Pair Plus" sidebet, the better.
Even though it may be fun to try out this game for a bit, since there's only one simple strategy rule to follow, you'll soon find yourself robotically grinding down your bankroll until it has vaporized. You're not missing out on anything if you skip these tables, there is no real challenge.
Just like with Roulette and Slots, if you want to try it out nonetheless, you can just bet the minimum amounts and only play for fun, so it won't matter if you win or lose.

3) Blackjack
Blackjack is the most complicated game by far. Simply because the player has to make a series of decisions, which will largely decide the outcome. Luckily, there is such a thing as an optimal strategy, which will be outlined below.
However, the strategy is also dependent on the house rules. These not only affect your expected return, but in some places also your decisions.
Here are the house rules at the Diamond casino:
-The game uses 4 standard decks, and a continuous shuffle.
-Blackjack pays 3 to 2, dealer checks for early blackjack.
-No insurance offered, no surrender.
-Dealer stands on soft 17.
-Double down on any two cards.
-Player can split only once, but doubling after split is allowed.
-Seven-Card Charlie.
Under these rules, and following the "basic strategy" chart, your expected return at Blackjack is a shade under 99.6%, which is extremely good for a casino game, that's why Blackjack should be your table game of choice.
But it comes at a price: you are going to have to memorize the relatively complicated strategy chart, or at least stick it to your monitor until you have it in your head. But in case you ever stumble into a real-life casino, you won't regret having this table memorized, so I would definitely advise you to work on that.
The strategy chart might look complicated at first, but you will be able to notice certain patterns. Your decisions are mainly based on the dealer's upcard, which is basically divided into a weak card (2 to 6), and a strong card (7 to ace).
When a dealer shows a strong card, you will be hitting more often with the risk of going bust, but when a dealer shows a weak card, you're not taking that risk, and you will be standing more, but also doubling and splitting more. You want to increase your bets when the odds are in your favor, and get out cheap when they're not.
But it also helps to take some time to think about why a certain advice is given. For example, why does it say that you always have to split two eights, even against an ace. Well, that's because two eights equals 16, which is the worst total you can have. It's better to split them up, and give yourself a chance of finding a 17, 18 or 19 with the next card. Once you see the logic in that, you'll have one less thing to memorize.
The playing advice in the basic strategy chart is a result of computer simulations that ran all possible outcomes against each other, and produced the most profitable decision for each situation. So you can't go wrong following it.
Optimal strategy for Blackjack with Seven-Card Charlie
The added house rule of Seven-Card Charlie, adds a small advantage for the player, and it does influence a few strategy decisions. For example, you might have a 14 with 6 cards, against the dealer's 5 upcard.
Normally this would be an automatic stand, but if you're only one card away from the Seven-Card Charlie, meaning an instant win for the player, regardless of the dealer's hand, it turns it into a hit.
Here's the most optimal strategy chart to follow for the Diamond Casino house rules: https://prnt.sc/olct6g
You'll see that two fives are missing from the chart, and that's because you never split them. You treat them as a regular 10. You also never split tens. Just stand on 20.
If you follow this strategy religiously, even with a maximum wager of 50,000 chips, you only expect to lose about 215 chips per hand, and with rounds taking about 30 seconds, that amounts to an expected LOSS of 26,000 chips per hour, which is only half a bet. A small price to pay for an hour of entertainment.
But since the expected return is so extremely close to 100%, you will see more positive short-term results than with other games. But obviously it can also swing the other way. Again, this is supposed to be the game where your money lasts you the longest, but always set your loss and win limits before you sit down. That rule simply always applies.

Still, even with optimal strategies applied, all these games are expected to lose you money in the long run. So betting any kind of large amounts is not advised. If you simply want to enjoy playing these games, there's nothing wrong with betting a minimal amount. Playing these games for a longer period of time will already cost you money anyway, since your daily property fees will still be charged while you're playing in the GTA casino. As long as you can play for fun, there's nothing wrong, but when you see yourself betting insane chunks of your entire bank balance to try to recoup some unfortunate losses, you're doing it wrong.
As the commercials in Britain all correctly say: when the fun stops, stop.

2) Virtual Horse Racing
Now onto the good stuff. I ran some numbers, and I believe Rockstar has made a mistake with the horse racing game. Because as it stands, and if I read the numbers correctly, this game is actually profitable for the player. You can actually make money with this, at least, until Rockstar figures out their mistake and patches it.
If anyone wants to jump into the math and double check this to make sure, please do so. I will add any corrections to this post. This is one of those "to good to be true" things, so I keep thinking that I might have overlooked something. So please verify it if you can.
The setup is this. There is a pool of 100 horses, each with their own attached payout. These are divided into 3 groups, ranked by their odds. From each group, 2 horses are randomly selected to provide a pool of six runners for you to bet on.
Now it's not an actual race you're looking at. You are looking at a raffle. This is important to realize.
Each horse gets awarded a certain number of raffle tickets. The favorites get awarded more tickets than the underdogs, and therefore, have a higher chance of winning.
If this distribution works like it does in the real-life casinos, then the raffle tickets are awarded according to the betting odds.
Example 1: imagine a race with 3 runners, all have 2/1 odds, representing a 33.3% chance of winning. (Because 2/1 means 2 AGAINST 1, so 3 total.) In this case, each horse gets one third of the raffle tickets, giving them an equal chance to win.
Example 2: imagine a race with 3 runners, one has 1/1 odds (or EVENS), representing a 50% chance of winning, and the other two horses are marked up as 3/1, with a 25% chance of winning. The favorite gets half the tickets, the other two get a quarter of the tickets each.
A ticket is drawn, and you'll have a winner.
It doesn't matter in this game which horse you bet on, because the expected return is always the same: 100% or break-even, for the above examples.
Now, what happens if the percentages don't exactly add up to 100%?
They must add up to 100%, because there will always be a winner. And only one winner.
So when this is the case, the actual winning chances of the horses are adjusted to meet the 100% requirement, using their payout odds to determine the scale.
So, if the represented percentages add up to more than 100%, the actual winning chances of the runners will be DECREASED, resulting in all bets becoming losing propositions for the players.
Example: In a 6-horse race, all runners are listed at 4/1, representing a 20% chance. Only with six runners that amounts to 120%. So all chances are scaled down by 1/6th, to end up at 100%.
This means your horse's chances are reduced from 20% to 16.67%, turning it into a losing bet: 5 times you will lose your bet, and 1 time you will win, but only get 4 bets back in this instance, instead of 5. A losing bet in the long run.
This is the type of odds that you find in regular casinos, with fields as large as 15 runners to bet on, where the assumed winning chances always add up to more than 100%, therefore are decreased for all runners, resulting in a house edge.

But in GTA Online's Inside Track, there are other scenarios, because of the small field, and the way that they are put together.
In some cases, the represented percentages when added up, are LESS than 100%, meaning that the actual winning chances of all runners, are INCREASED.
This creates profitable bets for the players, because in the long run, you're expecting to win more money than you lose. This is a gambler's dream, pure and simple.
So, according to the in-game information, the three groups of horses are divided as follows:
-Favorites: EVENS to 5-1
-Outsiders: 6-1 to 15-1
-Underdogs: 16-1 to 30-1

Let's take the two most extreme examples to show what's happening.
The worst possible field to bet on: two runners at EVENS, two runners at 6-1, and two runners at 16-1.
EVENS represents a 50% chance, 6-1 is 14.29%, and 16-1 is 5.88%. Add those up and you land on a total of 140.34%.
This means that the actual winning chances of the horses are decreased by 28.75% (to get that 140% down to 100%), which makes betting on this field extremely unwise.
A horse at EVENS will only come in as a winner 35.63% of the time, instead of 50%,
a horse at 6-1 will only win 10.18% of the time,
and an underdog at 16-1 will only win 4.19% of the time.

The expected return on a bet on any of the horses in this field is only 71.26%, so a maximum bet of 10,000 chips on any of these horses holds an expected LOSS of 2,875 chips.
These returns are the same, because the winning chances are scaled equally, according to the payout numbers. So it really doesn't matter which horse you bet on, in the long run, you expect the same results.
But as explained before, it does influence variance, and therefore your short-term result, which can swing both ways.

But now, the best possible field to bet on: two runners at 5-1, two runners at 15-1, and two runners at 30-1.
Odds at 5-1 represents a winning chance of 16.67%, 15-1 odds means 6.25% chance, and 30-1 odds means a 3.23% chance of winning. Add these six horses together, and you only get 52.285%.
This means that, to get from 52% to 100%, the actual winning chances of these horses will be almost doubled! Multiplied by 1.91 to be exact.
So the 5-1 favorites will now win 31.88% of the time, instead of 16.67%,
the 15-1 runners will win 11.95% of the time,
and the underdogs at 30-1 odds will still win 6.17% of the time.
When betting on this field, the expected return on your bet is 191.25%!
This means that a max bet of 10,000 chips will result in an expected PROFIT of 9,125 chips.
This is printing money, if there ever was such a thing.
Optimal strategy for Virtual Horse racing
So all you have to do, is only bet high on the games where you have an expected positive return, and bet the absolute minimum on the games where your expected return is negative. Or back out of the racing game to refresh the field.
If you don't have a way to quickly add up all the percentages, and until somebody shows up here with a neatly formatted table, just use a few general rules of thumb:
-Always bet the maximum on a race with favorites at 2/1 and 3/1 or higher in it.
-Simply skip all races with two favorites at EVENS in it, and at EVENS and 2/1. Or bet the minimum, if you can't skip or refresh the field.
-To decide if you should play races with other favorite combinations EVENS and 3/1, EVENS and 4/1, EVENS and 5/1, or two favorites at 2/1, the payouts on the other four runners determine whether or not it's profitable to play them. The results of betting on these fields vary from an expected 1,330 chip loss (worst-case) to an expected 1,680 chip win (best-case), with a max bet of 10,000 chips.
But if you're not looking for another strategy chart, you might just want to skip these borderline cases, and just cherry pick the best ones, which are easy to recognize, and with which you can never go wrong.
It's difficult to put a number on an expected win-rate, because it all depends on which fields you get presented with, but it's not unreasonable to state that you can maintain a steady win-rate of around 200,000 chips per hour, with about 50 seconds per race.
Remember, you're not trying to win every race. You're trying to win the most money per hour. So don't sweat it when you bet on a 4/1 favorite, and lose a couple of races in a row. It will still be more profitable in the long run. You have the math on your side.
To reduce negative variance, always bet on the favorite, when betting on profitable fields. We're not gambling anymore, we're grinding out a steady profit. We want to keep the swings to a minimum.
I contacted Rockstar support to verify if this is indeed how it works, but the only reply I got after 6 weeks is that they were "looking into it".
User u/Garsant made a useful Excel-worksheet, available for you to download, where you can quickly type in the payouts on the horses, to see if it produces a profitable bet or not. You can find it in his post here: https://www.reddit.com/gtaonline/comments/ekp8na/gta_online_inside_track_odd_calculato

1) Wheel of Fortune
The number one profitable casino game in GTA Online is obviously the Wheel of Fortune, because it costs you nothing to play.
Unfortunately, you only get one free spin per day, but it holds great value, so make sure you do it.
With a chance to win a super car, vehicle discounts, expensive mystery prizes (which also can be vehicles), and a lot of cash and chips, the expected return on a single spin is around $100,000 in value.
So don't forget your daily spin, it's definitely worth your time.

2020 Update:
As of the Diamond Casino Heist update, the Inside Track horse racing is confirmed to still be as profitable as outlined above.The only thing that seems to be changed, is that you can't refresh the field anymore by backing out of the screen. This does affect your hourly rate in a negative way, but does not change the fact that this game has a huge positive expected return, and should be your go-to when you're trying to take money from the house, without having Lester's nagging voice in your ear. That should also be worth something.

And with that, I conclude my 5,000 word essay on gambling in GTA. Questions, comments, feel free to add your input to this guide.

Cliffs:
-Gambling games should only be played for fun, not for big money. You should expect to lose in the long run. The house always wins.
-A casino game doesn't have a memory, and betting systems don't work.
-Set your limits before you start, how much you are willing to lose or win, and then walk away when you get there.
-Don't play slots, roulette, or three card poker.
-Only play blackjack following a basic strategy chart (https://prnt.sc/olct6g).
-Inside Track betting can be played profitably, if you only bet on fields WITHOUT a heavy favorite.
-Wheel of Fortune is always your best bet, because it's a free bet.

Ultimate Gambling Guide for GTA Online - odds, probabilities, and optimal strategies

This is not mine, the creator of this is u/enderpiet

Since the Diamond Casino update, I have seen a large number of 12-year-olds posting Blackjack memes on this sub. As a parent, this has me very worried.
On top of that, I have seen some of the most trustworthy GTA Youtubers giving flawed gambling advice, which can have damaging impact on their gullible audiences.
So that's why I decided to write this up, to educate everyone on the subject, so there will be no more misunderstandings.
(2020 Update down at the bottom.)
If you're one of those Youtubers that wants to use this information in a video, feel free to do so. The more people (especially kids) that become educated about gambling, the better.
But then also please go back and review your own work, and delete or edit the videos that are giving out the wrong advice, like where you're saying you have "a good strategy for making money with roulette", or some other nonsense that I've heard this week. Delete that please.
Before I get into the individual games, I need to discuss a few concepts first, that will make understanding the rest a lot easier.
Expected return and variance
A game like Roulette or Slots has a fixed expected return on your bets. This is a percentage that you have no way of influencing. Say you are flipping a coin against a friend, and you both put up $1. The winner gets the pot. Since the odds are even at 50%, in the long run, you will expect to break even. Your expected return is 100% of your bet.
But imagine if you would play this coin flipping game in a casino against the house. On the "house rules" listed at the table they would probably say that you would only get 95 cents back for every win, while you are forfeiting a dollar on every loss. Would you still play?
Sounds stupid to do so, but still, everybody does it. Every bet they place on Roulette, every coin they put into a Slot machine, is based on the same concept.
Those few cents they take on every bet are their profit margin, and has paid for all the Vegas lights, the Mirage volcanoes, and the Bellagio fountains. Make no mistake - casino gambling games are not designed to make you lose, because sure, you can get lucky on a single night, but they are designed to make them win. That's the beauty of it. They can both exist at the same time.
Too many people that don't see how this works, are just destined for disaster. Just because you went on a lucky streak and won 8 games out of 10, does not mean that flipping coins is a profitable game, or that choosing tails is a winning strategy. Always be aware of the house edge, your true chances of winning, and just realize that you got lucky. There is no such thing as a strategy in flipping a coin that will give you a higher expected return, so it's just pure gambling, just like Slots and Roulette.
Most casino games are made in such a way, that your expected return is a little under 100%. This means that from every dollar bet at the tables, the casino expects to keep a few cents. For individual players, results may vary. Some will win, most will lose. But for the house, it doesn't matter. They take millions of bets each day, so for them, the expected average works out a lot sooner. In short: the house always wins.
When looking at the house edge, we're talking about the expected long-term result, based on the game's house rules. But for a player, it can take literally tens of thousands of hands or spins before you also reach this average number. Until that time, you can experience huge upswings and downswings, that are the result of nothing but short-term luck, which is called variance.
Some games and some bets have a much higher variance than others, which means your actual results will differ enormously from what you're expected to be at.
Take for example betting on red/black at the Roulette table. This is a low-variance proposition, because it has a high percentage chance of occurring, and a low payout.
Contrast this with betting single numbers in Roulette, which only win once every 38 spins on average. This bet has a much higher variance, meaning you can easily hit a dry spell, and not hit anything for 200 bets in a row, or you can see a single number hit three times in five consecutive spins. This is not a freak occurrence in high-variance bets.
Even though the expected return in both these bets is exactly the same, there's a huge difference in variance, causing massive differences in short-term results, which can go both ways. You need to be aware of this, before you decide what types of bets you are comfortable with placing.
Gamblers' Fallacy
Another thing to realize, is that each individual game, hand, or spin, is completely independent from the one(s) before it, and after it.
Gamblers tend to believe, that the chance of a certain outcome is increased, based on previous results.
The most famous example comes from the Casino de Monte Carlo, where the Roulette wheel managed to land on black 26 times in a row. Gamblers lost many millions during that streak, all frantically betting on red, believing that the odds were in favor of the wheel coming out on red, after producing so many blacks. This is not true. Each round is completely independent, and the odds are exactly the same.
You will hear people say things like a Blackjack table being "hot" or "cold", which is completely superstitious, and should be ignored. The exception was when Blackjack was being dealt from a shoe. It made card counting possible. But with the introduction of shuffle machines, and continuous shuffling like is being used in GTA, this no longer exists.
This is also why "chasing your losses" is a very bad idea. After being on a losing streak for some time, many gamblers believe that now it's their turn to start winning. So they will often increase their bet size, believing that when their predicted winning streak comes around, they will win back their losses, and more.
The reality of it, more often than not, is that people will indeed start playing higher and higher limits, until they are completely broke. Nobody is ever "due for a win". There is never a guarantee that you're about to start winning. In fact, the opposite is more likely to be true. You are, after all, in a casino.
Betting systems
Some people like to think that they have a fool-proof betting system, like the Martingale system. Simply increase or even double your bet when you lose, and keep doing that until you win. In theory, this system will always win. So that's why table limits were introduced, and where the system fails.
If you start at the Roulette table, playing red/black, with a small 750 chip wager, and just double your bet every time you lose, you only have to lose 6 times in a row, before you will be betting the table limit of 48,000, just to get that 750 chip profit.
Sure, you can go on all evening without this happening, winning 750 chips each time, but this losing streak only has to happen once, and you're bust. Any betting system like this is ill-advised, because you are hugely increasing your so-called "risk of ruin", and that's what we were trying to avoid.
And even if your starting bet is only 100 chips, after only nine straight losses, and nine doubled bets, you are betting the table limit at 50,000 chips. If you lose that bet, you're 100,000 chips in the hole, with no way to recover that with your 100 chip base wager.
So don't believe anyone that says this is the perfect system to always win in the casino. Sooner or later they will understand why they were wrong, when they're asking you for a loan.
Set your limits BEFORE you start playing
One final point before we get into the games, a general tip for people that head out to play: money management.
Just like in real life, before you go to the casino, decide on a maximum amount that you are WILLING TO LOSE.
Bet small enough, so that amount can last you through the entire evening, and you will not be tempted to run to the ATM to continue playing.
Considering GTA money, some people will be comfortable losing 1% of their GTA bank balance, some people will be comfortable with gambling away 5% of their total GTA savings. It's up to you what you can handle. Decide for yourself where it will start to hurt, and don't cross that line.
But whatever number you decide on, as soon as you lost that amount, get up and walk away. Don't chase your losses, stick to your limits, and accept that this has not been your day. There is always another game tomorrow. Always agree with yourself on a simple stop-loss rule, how much you would want to lose at most, and simply stop playing when you get there.
Same goes for winning. You can decide on a number, how much profit you would like to take away from the casino. You can go on a hot streak and be up half a million in a short period of time, but if you would continue to play longer, looking for more, chances are that you're going to lose it all back.
Most people are happy with doubling their daily casino budget, for example. Others are looking for 10 bets profit in Blackjack. Whatever you choose, when you hit that number, you can stop playing and bank your profits, or you can continue playing if you're still enjoying the games, but then only just play minimum bet sizes. Then you're just playing for fun, not for money. You've already made your profit, so simply keep it in your pocket, and don't risk losing it again.
Either way, decide on what your money management strategy will be, and STICK TO IT.
Casino games in GTA Online
Now, I'm going to dive into the games that you can find at the Diamond casino, ordered from worst to best.
6) Slots
Generally the rule is this: the less strategy a game has, the worse it is for the player. And with slots, this is definitely the case.
The only influence you have, is choosing what type of machine you're going to play. Basically, there are two types of slot machines:
-high frequency, low payout slots
-low frequency, high payout slots
In the first type, there is no huge (progressive) jackpot on offer, just your average selection of prizes that don't go up to crazy amounts.
This will result in a player having many more spins resulting in a win. The amounts that you win on the bigger prizes, will be smaller, but they do come around more often. This type of slot machine has a lower variance, which means that your money should last you longer, winning many smaller prizes along the way to keep you going.
The second type of slot machine lures you in with the temptation of a huge jackpot prize. Even though the long-term expected return on these machines is the same as the previous type, the prize distribution is hugely different. The large jackpot prize weighs heavily on the scale of expected return, but the chance of it hitting is extremely small. This results in a much higher variance on this type of machine. Usually your money will go down very fast, because the smaller prizes are less rewarding than on the other type of machine.
At the Diamond, the info screen says the player return at slots is set at 98.7%. This means that, on average, for every maximum bet of 2,500 chips, you expect to lose 32.5 chips.
This might not seem like a lot, but the danger of slots is that the game is extremely fast. You can spin about once every 6 seconds, which would result in an expected LOSS of about 20,000 chips per hour of playing.
But again, in this long-term expected number, the large jackpot awards are also factored in, and as long as you don't hit those big prizes, you'll see your money go down a lot faster.
In any case, thank heavens the max bet is only set at 2,500, or else we would see more players go bankrupt at alarming rates.
Optimal strategy for slots:
There is none. Because after betting, you have no more influence over the outcome. The only choices you have, is what type of machine you want to play at, and how much money you are going to risk. And those are all personal preference. As long as you stick to your loss limits, as discussed above, there's no harm in having a go every once in a while, hoping to get a lucky hit. Just realize that you don't have a high chance of scoring a big win, so as soon as you do, get up and walk away.
5) Roulette
Roulette is also a game where you have no influence over the outcome. There is zero skill involved. You place your bet, and that's it.
In traditional French roulette, a table has only the single-zero, but of course, for American casinos that wasn't enough of a house edge, so they simply doubled their profits by adding a second zero. The house edge was increased from 1/37 to 1/19, which is huge.
This makes playing on a double-zero roulette table by definition a sucker's play.
The payouts scale evenly, which means that a bet on a single number, and a bet on half of the numbers, and everything in between, yields the same expected return. The only difference, again, being the variance that you are willing to subject yourself to.
The player return for double-zero Roulette for all bets is 94.74%.
Except for the 5-number bet, which can only be made by placing a bet on the two top rows that contain 0, 00, 1, 2 and 3. The expected return on this bet is lower: 92.1%. This is because it only pays out 6-1. Why? Well, the number 36 isn't divisible by 5, so the greedy people that came up with double-zero Roulette had to round it off someway, and as expected, it wasn't going to be in the players' favor.Just remember that that 5-number bet is the worst bet at the table, and should be avoided. All other possible bets have the same expected return.
So it really doesn't matter how you spread your bets, if you bet only one chip, or if you litter the entire table with a bucketload of chips. Each chip you put out there, has the same expected return, so there is no strategy that will improve your long-term results.
Assuming that you're betting the maximum table amount of 50,000 chips, you will be looking at an expected loss of about 2,630 chips per spin. Considering that a round takes about 45 seconds to complete, your expected LOSS at the GTA Roulette tables will be around 200,000 chips per hour of playing.
Optimal strategy for double-zero roulette:
Stay away. Stay far away.
4) Three Card Poker
With Three Card Poker, we come across the first game where there is actually some strategy involved. You get to look at your cards, and then decide if you want to fold, and surrender your ante, or double your bet.
Additionally, you can choose to place a side bet on "Pair Plus", which offers progressive payouts.
There are some websites out there that ran all the numbers with computer simulations, and even though I would like to quote the source here, these websites are understandably littered to the max with online casino ads, so that's why I have decided against doing that.
Optimal strategy for Three Card Poker:
For this game you only have to remember one strategy rule: Always bet on any high card queen-six-four or better, and fold any high card queen-six-three or lower. That's it. Just don't forget to double check if you're not folding a straight or a flush, and you'll be fine.
This strategy will result in an expected return of 96.63%.
The Pair Plus sidebet, with the payout table that is used at the Diamond casino, gives you an expected return of 97.68%, which is actually a bit better than the main ante bet.
So by playing both wagers, you're reducing your expected losses per bet, but since you're betting more, you're also increasing your expected loss per hour.
My advice would obviously be to not play this game at all, but if you do, put as much of your bet as possible on the Pair Plus, while making our Ante bet as small as you can.
To be able to compare it to the other games at the Diamond, let's stay on that 50,000 maximum wager, meaning making your ante bet 35,000, and your pair plus bet 15,000, if the table would allow it.
This results in an expected loss of about 1,525 chips per hand, and with a round taking about 45 seconds, this adds up to an expected LOSS of around 120,000 chips per hour of playing. In comparison, if you would only play the ante bet for 50,000 per hand, you expect to lose 1,685 chips per hand, which means an expected LOSS of about 135,000 chips per hour. So the more out of that 50,000 wager you can put on the "Pair Plus" sidebet, the better.
Even though it may be fun to try out this game for a bit, since there's only one simple strategy rule to follow, you'll soon find yourself robotically grinding down your bankroll until it has vaporized. You're not missing out on anything if you skip these tables, there is no real challenge.
Just like with Roulette and Slots, if you want to try it out nonetheless, you can just bet the minimum amounts and only play for fun, so it won't matter if you win or lose.
3) Blackjack
Blackjack is the most complicated game by far. Simply because the player has to make a series of decisions, which will largely decide the outcome. Luckily, there is such a thing as an optimal strategy, which will be outlined below.
However, the strategy is also dependent on the house rules. These not only affect your expected return, but in some places also your decisions.
Here are the house rules at the Diamond casino:
-The game uses 4 standard decks, and a continuous shuffle.
-Blackjack pays 3 to 2, dealer checks for early blackjack.
-No insurance offered, no surrender.
-Dealer stands on soft 17.
-Double down on any two cards.
-Player can split only once, but doubling after split is allowed.
-Seven-Card Charlie.
Under these rules, and following the "basic strategy" chart, your expected return at Blackjack is a shade under 99.6%, which is extremely good for a casino game, that's why Blackjack should be your table game of choice.
But it comes at a price: you are going to have to memorize the relatively complicated strategy chart, or at least stick it to your monitor until you have it in your head. But in case you ever stumble into a real-life casino, you won't regret having this table memorized, so I would definitely advise you to work on that.
The strategy chart might look complicated at first, but you will be able to notice certain patterns. Your decisions are mainly based on the dealer's upcard, which is basically divided into a weak card (2 to 6), and a strong card (7 to ace).
When a dealer shows a strong card, you will be hitting more often with the risk of going bust, but when a dealer shows a weak card, you're not taking that risk, and you will be standing more, but also doubling and splitting more. You want to increase your bets when the odds are in your favor, and get out cheap when they're not.
But it also helps to take some time to think about why a certain advice is given. For example, why does it say that you always have to split two eights, even against an ace. Well, that's because two eights equals 16, which is the worst total you can have. It's better to split them up, and give yourself a chance of finding a 17, 18 or 19 with the next card. Once you see the logic in that, you'll have one less thing to memorize.
The playing advice in the basic strategy chart is a result of computer simulations that ran all possible outcomes against each other, and produced the most profitable decision for each situation. So you can't go wrong following it.
Optimal strategy for Blackjack with Seven-Card Charlie
The added house rule of Seven-Card Charlie, adds a small advantage for the player, and it does influence a few strategy decisions. For example, you might have a 14 with 6 cards, against the dealer's 5 upcard.
Normally this would be an automatic stand, but if you're only one card away from the Seven-Card Charlie, meaning an instant win for the player, regardless of the dealer's hand, it turns it into a hit.
Here's the most optimal strategy chart to follow for the Diamond Casino house rules:https://prnt.sc/olct6g
You'll see that two fives are missing from the chart, and that's because you never split them. You treat them as a regular 10. You also never split tens. Just stand on 20.
If you follow this strategy religiously, even with a maximum wager of 50,000 chips, you only expect to lose about 215 chips per hand, and with rounds taking about 30 seconds, that amounts to an expected LOSS of 26,000 chips per hour, which is only half a bet. A small price to pay for an hour of entertainment.
But since the expected return is so extremely close to 100%, you will see more positive short-term results than with other games. But obviously it can also swing the other way. Again, this is supposed to be the game where your money lasts you the longest, but always set your loss and win limits before you sit down. That rule simply always applies.
Still, even with optimal strategies applied, all these games are expected to lose you money in the long run. So betting any kind of large amounts is not advised. If you simply want to enjoy playing these games, there's nothing wrong with betting a minimal amount. Playing these games for a longer period of time will already cost you money anyway, since your daily property fees will still be charged while you're playing in the GTA casino. As long as you can play for fun, there's nothing wrong, but when you see yourself betting insane chunks of your entire bank balance to try to recoup some unfortunate losses, you're doing it wrong.
As the commercials in Britain all correctly say: when the fun stops, stop.
2) Virtual Horse Racing
Now onto the good stuff. I ran some numbers, and I believe Rockstar has made a mistake with the horse racing game. Because as it stands, and if I read the numbers correctly, this game is actually profitable for the player. You can actually make money with this, at least, until Rockstar figures out their mistake and patches it.
If anyone wants to jump into the math and double check this to make sure, please do so. I will add any corrections to this post. This is one of those "to good to be true" things, so I keep thinking that I might have overlooked something. So please verify it if you can.
The setup is this. There is a pool of 100 horses, each with their own attached payout. These are divided into 3 groups, ranked by their odds. From each group, 2 horses are randomly selected to provide a pool of six runners for you to bet on.
Now it's not an actual race you're looking at. You are looking at a raffle. This is important to realize.
Each horse gets awarded a certain number of raffle tickets. The favorites get awarded more tickets than the underdogs, and therefore, have a higher chance of winning.
If this distribution works like it does in the real-life casinos, then the raffle tickets are awarded according to the betting odds.
Example 1: imagine a race with 3 runners, all have 2/1 odds, representing a 33.3% chance of winning. (Because 2/1 means 2 AGAINST 1, so 3 total.) In this case, each horse gets one third of the raffle tickets, giving them an equal chance to win.
Example 2: imagine a race with 3 runners, one has 1/1 odds (or EVENS), representing a 50% chance of winning, and the other two horses are marked up as 3/1, with a 25% chance of winning. The favorite gets half the tickets, the other two get a quarter of the tickets each.
A ticket is drawn, and you'll have a winner.
It doesn't matter in this game which horse you bet on, because the expected return is always the same: 100% or break-even, for the above examples.
Now, what happens if the percentages don't exactly add up to 100%?
They must add up to 100%, because there will always be a winner. And only one winner.
So when this is the case, the actual winning chances of the horses are adjusted to meet the 100% requirement, using their payout odds to determine the scale.
So, if the represented percentages add up to more than 100%, the actual winning chances of the runners will be DECREASED, resulting in all bets becoming losing propositions for the players.
Example: In a 6-horse race, all runners are listed at 4/1, representing a 20% chance. Only with six runners that amounts to 120%. So all chances are scaled down by 1/6th, to end up at 100%.
This means your horse's chances are reduced from 20% to 16.67%, turning it into a losing bet: 5 times you will lose your bet, and 1 time you will win, but only get 4 bets back in this instance, instead of 5. A losing bet in the long run.
This is the type of odds that you find in regular casinos, with fields as large as 15 runners to bet on, where the assumed winning chances always add up to more than 100%, therefore are decreased for all runners, resulting in a house edge.
But in GTA Online's Inside Track, there are other scenarios, because of the small field, and the way that they are put together.
In some cases, the represented percentages when added up, are LESS than 100%, meaning that the actual winning chances of all runners, are INCREASED.
This creates profitable bets for the players, because in the long run, you're expecting to win more money than you lose. This is a gambler's dream, pure and simple.
So, according to the in-game information, the three groups of horses are divided as follows:
-Favorites: EVENS to 5-1
-Outsiders: 6-1 to 15-1
-Underdogs: 16-1 to 30-1
Let's take the two most extreme examples to show what's happening.
The worst possible field to bet on: two runners at EVENS, two runners at 6-1, and two runners at 16-1.
EVENS represents a 50% chance, 6-1 is 14.29%, and 16-1 is 5.88%. Add those up and you land on a total of 140.34%.
This means that the actual winning chances of the horses are decreased by 28.75% (to get that 140% down to 100%), which makes betting on this field extremely unwise.
A horse at EVENS will only come in as a winner 35.63% of the time, instead of 50%,
a horse at 6-1 will only win 10.18% of the time,
and an underdog at 16-1 will only win 4.19% of the time.
The expected return on a bet on any of the horses in this field is only 71.26%, so a maximum bet of 10,000 chips on any of these horses holds an expected LOSS of 2,875 chips.
These returns are the same, because the winning chances are scaled equally, according to the payout numbers. So it really doesn't matter which horse you bet on, in the long run, you expect the same results.
But as explained before, it does influence variance, and therefore your short-term result, which can swing both ways.
But now, the best possible field to bet on: two runners at 5-1, two runners at 15-1, and two runners at 30-1.
Odds at 5-1 represents a winning chance of 16.67%, 15-1 odds means 6.25% chance, and 30-1 odds means a 3.23% chance of winning. Add these six horses together, and you only get 52.285%.
This means that, to get from 52% to 100%, the actual winning chances of these horses will be almost doubled! Multiplied by 1.91 to be exact.
So the 5-1 favorites will now win 31.88% of the time, instead of 16.67%,
the 15-1 runners will win 11.95% of the time,
and the underdogs at 30-1 odds will still win 6.17% of the time.
When betting on this field, the expected return on your bet is 191.25%!
This means that a max bet of 10,000 chips will result in an expected PROFIT of 9,125 chips.
This is printing money, if there ever was such a thing.
Optimal strategy for Virtual Horse racing
So all you have to do, is only bet high on the games where you have an expected positive return, and bet the absolute minimum on the games where your expected return is negative. Or back out of the racing game to refresh the field.
If you don't have a way to quickly add up all the percentages, and until somebody shows up here with a neatly formatted table, just use a few general rules of thumb:
-Always bet the maximum on a race with favorites at 2/1 and 3/1 or higher in it.
-Simply skip all races with two favorites at EVENS in it, and at EVENS and 2/1. Or bet the minimum, if you can't skip or refresh the field.
-To decide if you should play races with other favorite combinations EVENS and 3/1, EVENS and 4/1, EVENS and 5/1, or two favorites at 2/1, the payouts on the other four runners determine whether or not it's profitable to play them. The results of betting on these fields vary from an expected 1,330 chip loss (worst-case) to an expected 1,680 chip win (best-case), with a max bet of 10,000 chips.
But if you're not looking for another strategy chart, you might just want to skip these borderline cases, and just cherry pick the best ones, which are easy to recognize, and with which you can never go wrong.
It's difficult to put a number on an expected win-rate, because it all depends on which fields you get presented with, but it's not unreasonable to state that you can maintain a steady win-rate of around 200,000 chips per hour, with about 50 seconds per race.
Remember, you're not trying to win every race. You're trying to win the most money per hour. So don't sweat it when you bet on a 4/1 favorite, and lose a couple of races in a row. It will still be more profitable in the long run. You have the math on your side.
To reduce negative variance, always bet on the favorite, when betting on profitable fields. We're not gambling anymore, we're grinding out a steady profit. We want to keep the swings to a minimum.
I contacted Rockstar support to verify if this is indeed how it works, but the only reply I got after 6 weeks is that they were "looking into it".
User u/Garsant made a useful Excel-worksheet, available for you to download, where you can quickly type in the payouts on the horses, to see if it produces a profitable bet or not. You can find it in his post here: https://www.reddit.com/gtaonline/comments/ekp8na/gta_online_inside_track_odd_calculato
1) Wheel of Fortune
The number one profitable casino game in GTA Online is obviously the Wheel of Fortune, because it costs you nothing to play.
Unfortunately, you only get one free spin per day, but it holds great value, so make sure you do it.
With a chance to win a super car, vehicle discounts, expensive mystery prizes (which also can be vehicles), and a lot of cash and chips, the expected return on a single spin is around $100,000 in value.
So don't forget your daily spin, it's definitely worth your time.
2020 Update:
As of the Diamond Casino Heist update, the Inside Track horse racing is confirmed to still be as profitable as outlined above.The only thing that seems to be changed, is that you can't refresh the field anymore by backing out of the screen. This does affect your hourly rate in a negative way, but does not change the fact that this game has a huge positive expected return, and should be your go-to when you're trying to take money from the house, without having Lester's nagging voice in your ear. That should also be worth something.
And with that, I conclude my 5,000 word essay on gambling in GTA. Questions, comments, feel free to add your input to this guide.
Cliffs:
-Gambling games should only be played for fun, not for big money. You should expect to lose in the long run. The house always wins.
-A casino game doesn't have a memory, and betting systems don't work.
-Set your limits before you start, how much you are willing to lose or win, and then walk away when you get there.
-Don't play slots, roulette, or three card poker.
-Only play blackjack following a basic strategy chart (https://prnt.sc/olct6g).
-Inside Track betting can be played profitably, if you only bet on fields WITHOUT a heavy favorite.
-Wheel of Fortune is always your best bet, because it's a free bet.

[Let's Build] D100 New Deck of Many Things Cards

The Maiden- A random person you have met throughout your adventure becomes hopelessly, obsessively in love with you
The Wizard- You may choose a spell from the first level list of wizard spells and once per day that spell may be cast without expending a spell slot. Using it at higher tiers still uses higher tier spell slots.
The Mountain- You permanently grow by one size class. The only way to undo this is a wish spell.
Sloth (As in the Sin)- You fall into a deep sleep and will not wake by any normal method. You are magically sustained and your body does not age while this effect is active.
The Mime - You lose the ability to speak. Can only be cured by a wish spell (By TheDirtyDeal)
The Sun - You glow brilliantly like the sun and shed bright light in a 60 foot radius around you, and dim light up to 180 feet. (By TheDirtyDeal)
The Comedian - +2 To charisma skill checks and saving throws. -1 to all others. (By QuintTheWarlock)
Wrath: You gain the flaw "I am quick to anger, driven to extract vengeance from those who have wronged me and a real bear first thing in the morning." (By oddtwang)
Greed: all non-magical coins, trade goods and other currency, gemstones and art objects on your person, held in your containers (including e.g. a bag of holding), stored within your legal property or held on your behalf in a bank or other institution under your name are instantly replicated 10 times. The copies are identical and indistinguishable, including any identifying features, flaws or serial numbers. If there is insufficient space for them to be held, the objects spill out, rupture or otherwise force their way into the world. (By oddtwang)
Gluttony: You develop an insatiable hunger. Your normal requirements for sustenance are doubled and you find it difficult to stop consuming. If you do not currently require sustenance, or if you are unable to satisfy your newly increased needs for 48 hours, you develop a need to consume something unusual, taboo or difficult to acquire. (By oddtwang)
The Void- (opposite of the Sun) Light seems to dim when you are around. If you are in bright light, it becomes dim light for a 60 ft radius around you. If you are in dim light, it become dark for a 60 ft radius around you. Creatures can not see you, unless they have true sight, if you are in dim light. (Similar to the Darkness spell) (By CreepShowGirl666)
Serpents: You immediately contract a poison that will kill you in 1d10 days. The only way to cure it is with a potato from a different continent. [Your character and party know this] (By LongIslandBall)
The Orchard:You gain an apple, that, when bitten into, heals itself over time, effectively granting you infinite food. However, if another person were to bite the apple, it would become just a normal apple. [Your character does not know this.] (By LongIslandBall)
4 Leaf Clover: the card turns into a 4 leaf clover that is unaffected by the use of force or magic and can only be destroyed by the use of the wish spell or Divine intervention. The creature in possession of this clover is imbued with great luck and gains the following abilities. You may pick one ability where any ability checks, skill checks, attack rolls, or saving throws that you make using that skill automatically succeed for 24 hours. Using this feature drains the available luck from the artifact for 1d4+1 days rendering it useless for that amount of time after the 24 hours expire. Once per day, you can change any dice roll you make excluding d100 to be equal to x-1 where x is the number of sides on the dice. This must be done prior to finding out the result of the action intended by the roll. Once per short or long rest, you have advantage on one ability check and one saving throw of your choice. (By Ed_Radley)
Lust- Every person you meet of the opposite sex must make a dc10 wisdom saving throw or immediately try to seduce you from now on.
The Orchestra: summons 20 unseen servants that repeat everything you say/sing. If you cast a spell with a verbal component, it counts as being one level higher if applicable. You also have advantage on performance checks. The Unseen servants do not obey your commands and last until killed. (By Capt_Bread_Beard)
The Liar - you gain advantage on Deception checks but you are unable to tell the truth — your party has to roll Insight checks whenever you reveal to them information (By Researcher_Boi_314)
The Crystal: Your skin crystallizes. Your speed decreases by 5 feet and you are put under the effect of a stoneskin spell. (By ThanosHeffley)
Uno Reverse Card - Allows the user to hold up the card to deflect things back at the person who the card is facing, once per short or long rest. (By Abs0lutely_N0thing)
The Cornicopia: you no longer need to eat, drink, sleep, or breathe, and you do not age. (By Clickclacktheblueguy)
The Fates: You gain the Lucky feat, but you have also gained The Fates disdain. When you re-roll your dice using the Lucky feat roll an additional 1d4 and subtract it from your new roll. (By True_Empire91)
The Smith: This card immediately transforms into a +3 Warhammer that deals an additional 1d8 fire damage on a hit. The person who drew this card becomes proficient with Warhammers and loses all other weapon proficiencies. (By True_Empire91)
The Coin: Immediately after drawing this card the users hand is burned and takes 1d4 damage and drops the card as a reaction to the pain. As the card is falling to the floor it transforms into a coin. If the coin lands face up (Heads) the person who drew this card doubles the amount of currency they are carrying. If the coin lands face down (Tails) the person who drew this card has their currency vanish. The Coin itself is now worth 50gp. (By True_Empire91)
The Beast: Once per day, you can Wildshape. Upon transforming back into your normal self you take 1 point of Exhaustion. (By True_Empire91)
The Leviathan: A great beast has your scent. It will arrive in 1d10+5 days or at the DM’s choosing. Only you can slay the beast and all damage not caused by you directly or indirectly (such as through traps) is halved. (By Astr0C4t)
The Casino: You are transported to the demiplane of luck. This demiplane consists of a silver road in a desert with extravagant casinos glowing with displays of light against the permanent night sky. The casinos themselves are owned by the permanent residents of the plane, known as the Casino Barons. Barons include everything from human crime bosses to powerful wealthy monsters such as cloud giants, red dragons, and genies. The casino's appearances match with the baron or baroness who owns it. (By Sporedian)
The Blank: When you draw this blank card it begins to emit bright light and smoke, than dissapear along with whatever equipment you had on you. The card then drops to the floor. The next person to pick up the card sees a stylized image of you printed on it. They will recieve an item, ability, or personality trait from your character sheet at the GM's descretion. The effects can be reversed with a wish spell. (By Sporedian)
The hermit: You gain disavantage on any charisma checks. You gain advantage on any wisdom checks. Can be undone by a wish spell. (By awesomemanswag)
The Clock. You gain a small tattoo of an oddly-shaped arrow somewhere on your body. The tattoo is imbued with magical power, and will appear as a transmutation effect when viewed with Detect Magic. As an action, you may invoke this power to cast Time Stop. Once the spell ends, the power is lost forever. (By Ae3qe27u)
Judgement - you forever feel sickened when in the presence of evil-aligned people, and forever anxious around those of chaotic alignment. (By ergotofwhy)
Temperence - you can no longer feel intoxicated, no matter how much you drink. Furthermore, you are made immune to damage/drain of your int, wis, and cha, but also immune to effects that raise those abilities (By ergotofwhy)
The world - you are teleported to a random location on the other side of the world (By ergotofwhy)\
The Pack, 1d6 hell hounds come every 1d10 days to try and bring the person who drew the card down to the nine hells. The player can hear the howls, and is frightened for 1d4 rounds when they come. (By MeerkatArray)
The Blind Man: your character is now permanently blinded, physically losing their eyes, and gains tremorsense up to 30 feet. (By Silverdragon701)
The Artist: your character is now exceptionally skilled in a random art(painting, cooking, singing, etc.) and is known around the world for their talent. (By Silverdragon701)
The Fib: your character is now a pathological liar and must make a Wisdom saving throw to tell the truth about anything their audience doesn’t already know(I.E, can state the obvious, but must roll to explain a plan or tell a secret truthfully). (By Silverdragon701)
The goblin: Permanently gain +2 to dexterity and Constitution Permanently lose -2 to charisma and intelligence (By fwimmygoat)
The Mirror- whoever draws this card immediately understands to an instinctual, spiritual, emotional, and/or philosophical degree why their most hated enemy/enemies are the way they are and are doing what they're doing. They are able to completely sympathise. (By AndrewRequiem)
The behemoth- when next the character is slain in battle, they shall rise again with temporary hit points double that of the nearest healthy enemy. For the battle, they lose the ability to cast spells, but their Strength score temporarily increases to 30 (+10). When the last nearby enemy dies, they return to normal, and are rendered unconscious, but stable at 1 hit point. (By RollinThundaga)
The Mask: You immediately, and permanently change races into a random race. You retain all of your memories of your previous life, but lose all ability score changes and abilities your previous race granted you. You gain all ability score increases and/or abilities that this new race grants you. (NoireGarde)
dead weight - a 5 ton steel cube appears with shackle welded onto it. you are shackled to it. you cant move five feet from the cube until its shackle is removed. if it is removed, the cube and shackle disappear. (By Tobymaxgames
the fondler - you can cast mage hand if you couldn't before. this doesn't require a spell slot. (By Tobymaxgames)
the substrate - a boulder, weighing 3d12 tons appears in above a random person around you, and promptly falls down. its made of some type of metal ore. it its in your possession, and you may do what you will with it. (By Tobymaxgames)
the captain - if the drawer of the card owns some type of vehicle (cart, boat, etc.), they will physically merge with that vehicle. a wish spell is undo the merge. (By Tobymaxgames)
The Holdout - after drawing, the location you take a long rest at is converted into some type of fortified structure. the structure takes a form that makes scene for its location. a forest will grow a great tree fort. fields become palisade camps. mountains spring forth castles to rock the heavens. caves dig themselves out and become elaborate dungeons. the one who draws the card is considered the owner of this structure. however, 3d10 days later, the structure is attacked by some force. it can be a powerful wizard, a dragon, an ork warband, etc. if the structure is not defended, that force will destroy it. (By Tobymaxgames)
The Jinx - You are rendered mute until someone says your name three times. You cannot speak or cast any verbal spells during this time. (Your party does not know this). (By Jorster)
Greater Balance - The next time you roll a d20 and roll a critical success or fail, you receive an outcome beyond all expectations. The impossible happens despite all likelihood. Example: On a success, the Queen not only agrees with your theories and plans for the coming battle but trusts you over her advisors. On a fail, the Queen looks disgusted at your sad attempt of sharing information and banishes you to the dungeon for your ignorance just to get you out of the way. Should a critical success happen during combat, the number of damage dice is multiplied by 4 instead of 2, but if a critical fail happens, you or an ally are damaged by double the dice. This affect is a one time use. (By WitchDearbhail)
Null: The deck of many things vanishes. (By Sirvantis)
Discord: For the next hour your character cannot speak common, elvish, gnomish, dwarven, etc.(By Sirvantis)
Yes: For the next two weeks your character cannot decline any offers for samples, work, quests, magic items, etc. and cannot say the word "no" or similar. (By Sirvantis)
Butterflies: A force of immense change you may use this card to change one small moment in the past. This will have rippling effects through time to the present day. Choose wisely. (By faerieunderfoot)
The Damned- you are immediately teleported to one of the nine hells roll a D10 on the roll of a 10 you are trapped between two of the hells roll two more D10 and reroll all 10s. (By minecraftchickenman)
Surface: Your body and soul are bound to a random humanoid within 60 feet, determined by the GM. Your appearance changes to match that of the chosen humanoid and neither of you may move more then 120 feet away from each other, and attempting to do so will result in running against an invisible wall. A Greater Restoration or Remove Curse spell cast at 5th level or higher on either one of you ends both effects. (By Cruye)
Talking Head: You become incapable of saying, writing, or otherwise expressing a truthfull message instead, any attempt to do so will result in you telling a lie instead, usually the opposite of what you meant. You are not affected by the Zone of Truth spell, as these lies are not deliberate. A Greater Restoration or Remove Curse spell cast at 5th level or higher on either one of you ends the effect. (By Cruye)
Father: A Will-o'-Wisp (MM 301) with the memories, mental ability scores and alignment of a deceased relative appears within 10 feet and is bound to you as a familliar. The Will-o'-Wisp acts independently of you, but it always obeys your commands. In combat, it rolls its own initiative and acts on its own turn. It can't attack and loses the Shock action, but it can take other actions as normal. As an action, you can temporarily dismiss your familiar. It disappears into a pocket dimension where it awaits your summons. As an action while it is temporarily dismissed, you can cause it to reappear in any unoccupied space within 30 feet of you. If the Will-o'-Wisp dies, it is gone forever. (By Cruye)
Experience: Your mind speeds up, enhancing your senses and reflexes but leaving you more exposed to mental assault. You gain advantage on Dexterity saving throws and Wisdom (Perception) checks, but gain disadvantage on Wisdom saving throws and vulnerability to psychic damage. A Greater Restoration spell can end this effect. (By Cruye)
Door: A magical book appears in your posession, containing the entirety of your memories written on it's pages, even ones you have forgotten through non-magical means. The book updates itself whenever you finish a long rest. Turning a page will always take you to the memory you'd like to see, and the book will always appear to be the same size, regardless of how many pages it has. You or a creature that has stolen the book can modify your memory by writing on the book, either writing fake memories or crossing or tearing out real ones. If the book is completely destroyed, you lose all your memories for 1 week, before getting them back, excluding fake memories from the book, and including memories that were removed from the book. (By Cruye)
Diamond: You can cast the Creation, Greater Restoration, Mass Cure Wounds or Wall of Stone spells once per day. (By Cruye)
Company: You gain the service of twelve Guards (MM 347) who appear in a space you choose within 30 feet of you. The guards are of the same race as you and serve you loyally until death, believing the fates have drawn them to you. (By Cruye)
The Death Note- The first name that is written on this card immediately dies, no saving throw. (By warriornate)
The infant- Your character immediately turns into a newborn baby. (By warriornate)
The Mirror- An exact duplicate of the PC pulling this card is instantly created somewhere in the world. This copy has one purpose, to supplant the PC that pulled the card. The copy is indistinguishable from the PC in every visible way, and is physically in essence that PC. This copy differs only in that they believe that pulling the card sent them across the world and supplanted THEM with a copy located at the DOMT. This copy can accomplish supplanting the PC using any method (Violent, non violent, etc) that they wish as long as the final result is taking the place of the original PC. For rules purposes this created copy is the same level, class, and alignment as the PC that drew the card, and has access to all of the items that PC had on their person when drawing the Mirror. (By HimurasanX)
The Fish - The character reeks of fish in a way that cannot be masked or removed. Additionally, any dead fish with the Beast creature type that the character touches, comes back to life as if had the True Resurrection spell cast on it. All Kuo-Toa are made aware of and believe in this effect on the character making it unremovable, even against the wish spell, except by the complete genocide of all Kuo-Toa. (By TheDrunkenMagi)
Mystery - Something extraordinary has happened, but the players don't know what. The DM will roll randomly to determine if it is a good, bad, or neutral thing for the players and decide what it is in secret. Regardless of the roll the event will have a significant effect on the entire region (if not the whole world) and, upon encountering the event, the character who drew the card will be made aware drawing this card was the cause. (By TheDrunkenMagi)
Wayfinder - A gate to another dimension appears before the character. This gate connects to the GM's choice of Sigil, The Outlands, The Astral Plane, or another Material Plane. Regardless of the GM's choice, the other side of this gate is guarded by both an Androsphinx and a Gynosphinx that the players will need to bypass in order to freely pass through the gate. (By TheDrunkenMagi)
Destruction - 8 bolts of chaotic energy fly out of the card extremely fast and attack all creatures within a 120ft radius sphere centered on where the card was drawn. The bolts acquire targets randomly each round and make a single attack at initiative 20. The attack is a ranged spell attack with +7 to the attack roll and deal 2d8 + 6d6 damage. Each orb deals a different type of one these 8 damage types: Acid, Cold, Fire, Force, Lightning, Poison, Psychic, Thunder. The bolts cannot be harmed or dispelled, do not attack anything that leaves the sphere, and disappear after 1 minute. (By TheDrunkenMagi)
Creation - Immediately after drawing this card the player who drew it chooses one item that they can create as if they had cast the Fabrication spell and it appears before them. No material components for the crafted item are required and the casting time is instant. Players who don't know how to make anything can create a single item of raw materials such a log or cube of gold. They must still meet the dimension requirements of the Fabrication spell. (By TheDrunkenMagi)
Animosity - From now on all creatures the character encounters with intelligence 6 or greater are initially hostile towards the character. This effect does not change their opinion of the character's companions and does not necessarily mean they will attack on sight. (By TheDrunkenMagi)
Friendship - From now on all creatures the character encounters with intelligence 6 or greater are initially friendly towards the character. This effect does not change their opinion of the character's companions and does not mean they will treat them as an equal. (By TheDrunkenMagi)
The Dragon - The entire contents of the nearest dragon's horde is placed before you. Immediately after, the dragon is made aware of your name, appearance and current location. The dragon believes you culpable and cannot be convinced otherwise. (By rstarr13)
The Rose- the card puller gains a +3 to all charisma skill tests for 24 hours (By infinitum3d)
The Flood- a soft gentle rain slowly grows over the next hour into a torrential downpour that follows the card puller, centered over then the entire hour. (By infinitum3d)
The Fop- for one hour, you fail every skill test, attack roll, and saving throw. You cannot succeed at anything. (By infinitum3d)
The Reward- for one hour, you have the exact funds to purchase anything you want. Just reach into your backpack and the gold coins are there. (By infinitum3d)
The Flumph - After 1d4 hours a Flumph painlessly grows from your body and detaches itself. The Flumph is completely loyal to you and you gain the ability to communicate with it and other Flumphs telepathically. If a Flumph dies two more Flumphs will grow from your body in 1d4 hours; this process continues until you have accumulated twelve Flumps. When the twelveth Flumph dies you magically transform into a Flumphp yourself, keeping all your statistics and abilities. (By clivedauthi)
Granite skin: +2 AC, disadvantage on Dex saving throws as your skin becomes a hardy but unwieldy mottled grey colour (By sjeveburger)
The Elder: There are no immediate effects to drawing the card until you attempt to sleep, the further you lull to sleep the more a sense of dread begins to build. This effect ends until you sleep or die from exhaustion. If you do sleep your consciousness is transported to a unknown realm outside the material plane, this realm appears to be a endless slab of carved mossy stone ground, floating above a dark abyssal ocean. The only sight within miles being the faint outline of a pillar. You can get closer to the pillar every night before waking up, each night you walk towards the pillar your character loses 5 max hp. It takes 10 nights to get to the pillar, which depicts a large tentacled being with its appendages wrapped around the planes of existence. If you choose not to touch the pillar or give up before reaching it, you awake with your hit points back and a forever lingering sense of dread. If you touch the pillar, the slab begins to sink and you are consumed by water before you glimpse at hundreds of orange beady eyes and tentacles, then you wake up,with your hp back and with the ability to see the world as it truly is, along with the knowledge that something terrible and older than the universe has been unleashed. (By Ford6Fingers)
Open Chest: The image of an open box resting on the ground grants the person who drew the card a random magical item of random rarity determined by the DM using either the magic tables in the DMG or the DMs choice. (By equinox75)
Insignificance- You are placed under a modified version of the Silence spell for 1d8 hours (By ControlledChaosJR)
The Card - This card features the image of a card on it. It negates all effects of the next card you draw. (By The_Incredible_Thulk)
Beast - next full moon you will transform into a werewolf. (By Dan-Han-Man)
Self-Control: You gain resistance to psychic damage and are less impulsive overall. Barbarians temporary lose these effects when raging. (By Spearhartt)
Gentleness: You take a permanent -2 to your AC. All non-hostile creatures with an intelligence greater than 6 now take a paternal affection towards you and are more likely to offer you assistance when possible. You gain advantage on persuasion checks against hostile creatures when the goal of your persuasion is to prevent conflict. If you witness someone close to you get killed you lose all effects of this card and gain +2 AC and +2 Strength for 1D4 hours afterwards. (By Spearhartt)
Faithfulness: For the next 1D10 days, everything you do is motivated by your deity. If you do not follow a deity, one appears to you and anoints you as it’s new follower. The deity that appears is based on your alignment, race, and background, at the DM’s discretion. If you roll a 10, you gain the Channel Divinity feature at its lowest level, based on the domain associated with your deity. (By Spearhartt)
Kindness: You find yourself drawn towards charity. For the next 1D6 days, anytime you see someone or something in need and you can assist in any way, you feel compelled to do so. This includes things such as healing, giving away your money, or assisting in a task that doesn’t take longer than the duration rolled earlier. (By Spearhartt)
Patience: If you’re the last person to enter a room, speak in a conversation, or take your turn in combat, you gain advantage on your next skill check relevant to that scenario. If you are the first, you have disadvantage. (By Spearhartt)
Peace: You gain the Calm Emotions spell and can cast it for free once per long rest. (By Spearhartt)
Joy: You find yourself overcome with obnoxious optimism. No matter what happens you always feel like it’s going to turn out okay. You become immune to being frightened but gain disadvantage on insight checks. This can be dismissed by the wish spell or by being knocked unconscious by a hostile creature. (By Spearhartt)
Love: You fall in love with the next non-hostile humanoid stranger you meet. You have disadvantage on any malicious skill checks against this person. This can be dismissed by the Wish spell or an act of true love by someone else towards you. (By Spearhartt)
The Diminutive Tree: A random player character of the party is suddenly and unceremoniously turned into a bonsai tree. Only vocal communication is available while in the form of the bonsai. The bonsai speaks only Sylvan. The bonsai is otherwise an inanimate object. The PC retains their HP and is able to cast spells of vocal components or freecast. To revert from the bonsai, the tree must either be planted and grown for three days with plenty of water, or with a wish/miracle/etc. Otherwise the PC will remain a bonsai tree, incapable of thirst, hunger, aging, or sleep. (By RealRedditPerson)
The Changeling: You immediately exchange powers and abilities with the nearest person or creature with an equivalent power level (as determined by level / challenge rating. (By Methuen)
The Mind Reader - you gain the psychic abilities of an Illithid but also gain the face sucking tentacles. (By AllHailMackius)
The Ghost - You immediately become semi-transparent, along with all clothing and equipment that you don (items lose this state if contact is lost). You are unable to change your opacity beyond this; you cannot turn invisible, or be made more visible (except by means of a wish spell). (By vysken)
Platinum : All platinum you possess (wherever it is) is tripled, but teleported to the lair of a powerful monster or dragon. The name of the monster appears on the card before disappearing. (By Sunkain)
Gold : You double all Gold coin you possess on this plane (so not in a bag of holding) (By Sunkain)
Silver : You become vulnerable to silver weapons. When you touch silver at the end of your turn, you gain a level of exhaustion (By Sunkain)
Bronze : You can always choose to be third in the Initiative Order in combat (By Sunkain)
The Tolling Bell : Shows a tolling bell with the words of John Donne "Therefore, send not to know/For whom the bell tolls,/It tolls for thee." Throw 1d12. The one who holds the card will die at dawn in as much days. Each day they will here a bell ringing the number of days left. You can pass the card but only unbeknownst to the other person, you can't sell it. When the time is other, instead of waking up, the person will see a gigantic black bell with an eye in its center. It will toll one last time, and the soul of the person will be consumed by the bell. No resurection possible. A tatoo of a black bell will appear on the head of the dead. If it is a PC, the card will disappear. If the person is not the PC who drawed the card, the card will appear in their inventory at the very moment the bell had tolled. Throw 1d12. For whom will she toll now? (By TanhaAel)
The Prophet - When this card is pulled, a projection of that players Deity forms in front of them, telling your player that they have been chosen as that deities prophet (DM role plays the Deity projection). The twist is that there is no actual affect that is granted to the player, but the DM should NEVER reveal this to the player. If the player has no religion or doesn't worship any deities, instead the card shouts at the player "You are not worthy, heretic!" in a deep booming voice, and then disappears in their hand and goes back into the deck randomly. (By metalzim)
The changeling- your character dies and the spell reincarnation is cast on your character. (By Chopperuofl)
Envy- Rather than sharing in their victory, your PC becomes saddened at the successes of those closest to them. Every time a party member besides the players rolls a natural 20 on a skill check, you have disadvantage on your next skill check. (By a combination of Spearhartt and Dan-Han-Man)

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