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MIT senior math major Ben Campbell is accepted into Harvard Medical School but cannot afford the $300,000 cost. Despite boasting a 44 MCAT score and a 4.0 GPA, Ben faces fierce competition for the prestigious Robinson Scholarship which would pay for medical school. He is told that he needs a way of "dazzling" Harvard in some way to stand out from from the other extremely well-qualified applicants.
Professor Micky Rosa challenges Campbell with the Monty Hall problem, which Campbell solves successfully. Rosa invites Campbell to join his blackjack team, which consists of fellow students Choi, Fisher, Jill and Kianna. The system involves card counting, and the team—shepherded by Rosa—is split into two groups. "Spotters" play the minimum bet and keep track of the count. They send secret signals to the "big players," who place large bets whenever the count at a table is favorable. Campbell reluctantly joins the team, telling Rosa he is only doing so until he can pay for medical school.
Rosa takes the team to Las Vegas over many weekends; Campbell comes to enjoy his luxurious lifestyle there. His performance impresses Jill (who falls for him) and Rosa, but Fisher becomes jealous at Campbell's blackjack success. Rosa kicks a drunken Fisher off the team after he insults Campbell and incites a melee that requires the team to quickly "cash out" (using dancers from their usual strip-club meeting place) before the casino switches chips. Meanwhile, security chief Cole Williams monitors the blackjack team, particularly Campbell.