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Bovada If the dealer's up card is a 2–6, it is a "stiff" hand for the dealer. What are the best practices for beginners trying out baccarat? , In the play, a queen and a five would equal 15, but an ace and a five would total either 6 or 16. A hand that does not have an ace is referred to as a hard hand because it has only one value. A hand that contains an ace is referred to as a soft hand because the value can change. If you draw to a soft hand and the three cards total a number where counting an ace as 11 puts you over 21, then the hand becomes a hard hand. For example, say you are dealt an ace and a three. Your hand is either a 4 or 14. If you then draw a 10, you now have a hard 14 because if you count the ace as 11 you would have 25, which would bust you.
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