Official Poker Rules
Official Poker Rules BoardDocument OPR-621 · Updated 28 September 2026

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Five and Two or Three Rules

In Five and Two or Three, each player is dealt five cards and declares in or out. Everyone who is in receives two more cards and makes the best five-card hand from seven, and every player who stays in and loses must match the pot. The twist is that if only one player declares in, the dealer takes them on and receives three extra cards instead of two.

Also known as 5 and 2 or 3

Type
Guts (match pot)
Cards
5, then 2 more (3 for the dealer against one player)
Wild cards
None
Pot
High only

Article 1Players, deck and objective

1.1

Five and Two or Three was contributed to pagat.com by Phil Boschert. It is a guts game: anyone who stays in and loses must match the pot.

1.2

The game is played with a standard 52-card deck. There are no wild cards. Hands rank according to the standard poker hand rankings.

1.3

Each player who stays in makes the best five-card poker hand from all the cards they hold.

1.4

The source does not set a number of players. Each player may need seven cards, and the dealer eight, so the number of players shall be limited to what the deck can supply.

1.5

The game was designed as an answer to games in which the dealer collects the pot if nobody stays in against them. Here, a player who tries to take the pot alone must beat a dealer who gets an extra card.

Article 2Antes and the deal

2.1

The source does not describe how the pot is started. The usual practice in guts games is for every player to pay an agreed ante.

2.2

The dealer deals five cards face down to each player, including themselves.

Article 3Declaring and the extra cards

3.1

Each player in turn, around the table, declares in or out on the strength of their five cards. The usual practice is to start at the dealer's left and end with the dealer.

3.2

Every player who declares in is dealt two more cards, giving seven.

3.3

If only one player other than the dealer declares in, the dealer plays against that player and is dealt three more cards, giving eight, while the player receives two. This is the rule that gives the game its name.

3.4

If two or more players other than the dealer declare in, the dealer gets no extra card. A dealer who chooses to be in receives two cards like everyone else.

Players in (not counting the dealer)Each player receivesDealer receives
One2 cards3 cards, and plays against that player
Two or more2 cards2 cards, only if the dealer declares in

Article 4Showdown and payments

4.1

The hands of all players who are in are shown, and the best five-card poker hand wins the pot.

4.2

Every player who stayed in and did not win must pay an amount equal to the pot.

4.3

The source does not say whether a dealer who loses to a lone player must also match the pot, what happens when nobody declares in, or how ties are settled. The dealer shall announce these rules before the deal.

Example

A lone player against the dealer

Only Player A declares in. A starts with K♠K♦8♣8♥3♠ and is dealt Q♦4♣. A's best hand is two pair, kings and eights with a queen.

The dealer started with 9♣9♠6♦5♥2♣ and, facing a lone player, is dealt three cards: 9♥J♦4♠. The dealer's best hand is three nines.

Three of a kind beats two pair, so the dealer wins and Player A must match the pot.

Article 5Strategy notes

A player who is the only one in faces eight cards against their seven, so a hand that would be worth playing against a dealer on equal terms may not be worth playing alone.

When several players stay in, the dealer loses the extra card, so the contest is on equal terms: seven cards each.

Because nothing is wild, hands are ranked as in ordinary seven-card games such as Seven Card Stud, and the usual odds for those games are a fair guide.

Article 6Frequently asked questions

Why is it called Five and Two or Three?

Everyone starts with five cards. Players who stay in get two more. If only one player stays in, the dealer, who plays against them, gets three.

Are there wild cards in Five and Two or Three?

No. Nothing is wild, and hands rank as in standard poker.

What happens if you stay in and lose?

It is a guts game, so any player who stays in and loses must pay an amount equal to the pot.

§
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.

Five and Two or Three Rules · OPR-621 · officialpokerrules.com/five-and-two-or-three/

OPR-621Uncontrolled when printed