Abstract: A card game wherein a first set of cards is dealt face up and arranged in a row. Each card represents a first card of one hand of a plurality of separate hands that will be completely formed when the dealer deals all cards necessary to complete all of the separate hands. A first difficulty factor is assigned to the first set of cards. Wagers may be placed on each card in the first set. This process is then repeated for a second set of cards and a third set of cards. Additional sets of cards are dealt face up and arranged in rows that are aligned with rows of cards formed by the first, second and third sets of card thereby forming a plurality of rows and columns of cards. Each column of cards defines a separate and complete hand of cards. Winnings are paid to the player with the winning hand based on (i) the player's wagers that correspond to the winning hand, (ii) a predetermined payout schedule and (iii) the difficulty factors.