Official Poker Rules
Official Poker Rules BoardDocument OPR-662 · Updated 28 September 2026

Home game · Stud

Buy Your Card Rules

In Buy Your Card, each player is dealt two cards face down and three face up, and three cards plus the top of the deck are offered for sale at fixed prices. Over three buying rounds, players may pay to swap one of their cards for one on offer, with a betting round after each. The pot is split between the best high and best low hands, which players declare before the showdown.

Also known as Substitution (buy version)

Players
Up to 6
Type
Stud, with bought cards
Cards per player
5 (2 down, 3 up)
Wild cards
None
Pot
High-low split, with declaration

Article 1Players, deck and objective

1.1

The game is played with a standard 52-card deck without jokers, by up to six players.

1.2

Each player holds a five-card hand throughout. There are no wild cards.

1.3

The game is played high-low: the best high hand and the best low hand share the pot. High hands rank according to the standard poker hand rankings. The low ranking, and whether a low hand must qualify, shall be agreed before play; ace-to-five low is the usual choice in home games.

1.4

A unit is equal to the ante, which is also the minimum bet. Card prices are expressed in units.

Article 2Antes, the deal and the cards on offer

2.1

Each player antes one unit. The dealer then deals each player five cards: two face down and three face up. Players may look at their face-down cards.

2.2

The dealer then deals three cards face up in a row in the centre of the table and places the rest of the deck face down at one end of the row.

2.3

The four cards on offer are priced by position:

2.3(a) The face-up card furthest from the deck costs 1 unit.

2.3(b) The middle face-up card costs 2 units.

2.3(c) The face-up card next to the deck costs 3 units.

2.3(d) The unseen top card of the deck costs 4 units.

Article 3Buying rounds and betting

There are three buying rounds. Each is followed by a betting round.

StageWhat happensWho starts
First buying roundEach player may buy one card, stand pat or foldFirst active player to the dealer's left
First betting roundNormal bettingPlayer with the best hand showing
Second buying roundAs beforeFirst active player to the dealer's left
Second betting roundNormal bettingPlayer with the best hand showing
Third buying roundAs beforeFirst active player to the dealer's left
Third betting roundNormal betting, then declaration and showdownPlayer with the best hand showing
3.1

A buying round goes once around the table clockwise. At their turn, a player may:

3.1(a) Buy: discard one card from their hand and take one of the four cards on offer in its place, paying its price into the pot.

3.1(b) Stand pat: keep their hand unchanged, at no cost.

3.1(c) Fold: throw in their cards and take no further part in the hand.

3.2

Money paid for a card is not a bet. Other players do not call or match it.

3.3

A player who buys the top card of the deck looks at it and keeps it face down, even if it replaces one of their face-up cards.

3.4

A player who buys a face-up card keeps it face up if it replaces a face-up card. If it replaces a face-down card, the bought card is turned face down, even though the other players have seen it.

3.5

Every player shall keep at least two cards face down at all times, and may have more.

3.6

When a face-up card is bought, the dealer replaces it at once with a new face-up card from the deck, at the same price. If the last player in a buying round buys a face-up card, the gap is not filled until after the following betting round.

3.7

Each betting round is started by the player whose face-up cards make the best hand at that moment.

Example

Buying a card to improve

A player holds 9♣4♦ face down and K♠K♥7♣ face up. On offer are 2♥ (1 unit), K♦ (2 units) and 5♠ (3 units), with the deck top at 4 units.

The player discards the face-up 7♣ and pays 2 units for the K♦. Because it replaces a face-up card, it stays face up, so the player now shows three kings. The dealer fills the 2-unit position with a new card from the deck.

Article 4Declaration and showdown

4.1

After the third betting round, each remaining player declares high, low or both. The method (simultaneously with chips held in the fist, or in turn) shall be agreed before play.

4.2

The best high hand among those who declared high takes half the pot, and the best low hand among those who declared low takes the other half. If no one declares one way, the other side wins the whole pot.

4.3

Under the usual convention, a player who declares both must win, or tie, both ways; otherwise they win nothing and the pot is shared by the other winners.

Article 5Related games and variations

Several games share the idea of buying cards for fixed prices:

  • Substitution: the same deal and three rounds of exchange, but replacement cards are dealt free from the deck, and up to ten can play.
  • The Price Is Right: a seven-card game in which every card after the first two must be bought.
  • Wall Street: seven-card stud in which each up card may be bought from a row of four or taken free from the deck.
  • Abyssinia: players start with no cards and buy all five.

Article 6Strategy notes

  • Buying the unseen deck card is the most expensive option and the least certain, but it is the only way to improve without revealing what you took.
  • A face-up card bought to replace a hole card is known to everyone, so it gives away as much as a face-up card would.
  • Because extra units go into the pot with every purchase, pots grow faster than in ordinary five-card stud.

Article 7Frequently asked questions

Is the price paid for a card a bet?

No. The price goes into the pot, but no one has to match it. Betting happens separately, in the round that follows each buying round.

Does a bought card go face up or face down?

A card bought from the top of the deck is always kept face down. A face-up card bought from the row stays face up if it replaces a face-up card, and is turned face down if it replaces a hole card.

How many players can play Buy Your Card?

Up to six. For more players, play Substitution, where replacement cards are dealt from the deck and up to ten can take part.

§
Final authority

Where any doubt remains in the application of this document, Rob is right.

Hand rankings, high to low: royal flush · straight flush · four of a kind · full house · flush · straight · three of a kind · two pair · one pair · high card. Suits never break ties.

Buy Your Card Rules · OPR-662 · officialpokerrules.com/buy-your-card/

OPR-662Uncontrolled when printed