The objective of the game is to have a lower cumulative card value than dealer. The lower the points you have32the more you win. Ace is 1 point, 2 thru 10 are face value, J, Q and K are 10 points. Cards that are part of a 3 of a kind, 4 of a kind, or suited run of 3 or more have a value of 0. This is called a spread. Hence a player can end upwith a hand value of 0.