Like other games Web has created (including Hi-lo Go and Wild Draw, which as of November, 1997 were in their approval cycles), Three Card Poker is comprised of two independent bets. The player may play either or both in any amount, without going over the house limit. To understand this aspect, look at the table layout for each player.

On the top is the Pair-Plus bet (circle) which pays solely on the three cards dealt to the player. The payouts are 1-1 for any pair, 4-1 on a flush, 5-1 on a straight, 30-1 for a three of a kind and 40-1 for a straight flush. There is absolutely no strategy with this Pair-Plus option. The house advantage on Pair-Plus is a fair 2.32 percent.

On the bottom is the Ante (diamond) and Play (rectangle) proposition, which puts the player's three-card hand in competition with the dealer's three-card hand. After seeing his cards, the player who had put an Ante up may either fold, or call for a showdown against the dealer's hand by placing a bet (equal to the Ante) in the Play box. If the dealer does not have at least a Queen High in his hand, the player wins and is paid 1-1 on the Ante. If the dealer has a Queen High or better hand, but does not beat the player's hand, the player is paid 1-1 on both the Ante and Play wagers. If the dealer's hand beats the player's hand, the player loses both the Ante and Play bets.

Nonetheless, the player is awarded "guaranteed" bonuses on the Ante bet, regardless of what ensues in the competition. These are payouts of 1-1 for a straight, 4-1 on three of a kind, and 5-1 on a straight flush. The overall house advantage is 2.14 percent for those who opt for the Ante/Play feature, which gives the players the additional opportunity to win on Ace High, King High and Queen High hands, which comprise 44 percent of all hands.