Another retired casino worker piping in here. Others have pretty well covered that using a basic strategy card is fine; just do it. By the way, in over 20 years of working in casinos, I saw only one person who was using one of those cards who actually did what the card said on every hand; I married her.
Regarding table minimums: Playing perfect basic strategy for a given number of decks and the rule variations for that particular game will give the house an advantage of somewhere between basically zero up to about 1.5%. Playing typical tourist strategy, the way you would learn by listening to the dealers and other players gives a house advantage of right around 2% … so without expending any effort studying, you still have a sporting chance by just having fun and playing like a tourist.
At a typical BJ game full of casual players, each player will be dealt around 50 hands per hour. Let’s say there are players betting $1 per hand for 1 hour … each player ends up betting $50/hour, so the total amount wagered on the table is $50 * 6 = $300. The casino wins 2% of the total amount wagered, so $300 * 0.02 = $6.
The casino can’t run games that are only expected to win $6/hour and give out free drinks to boot. If there are any places left that are willing to try it, they are hoping that people will bet more than the minimum. Experience tends to indicate that the people who seek out the lowest minimum tables tend to always and only make minimum bets … so … even our theoretical $5 minimum table only expects to earn $30/hour, and they have to pay the dealer, the relief dealer, the floor supervisor, the pit boss, the shift boss, the cocktail waitress, the cost of the alcohol, the light bill, the security and surveillance people, the taxes, etc., etc.
We’ve seen what the minimum bet means to the casino – so what does it mean to the player? It means, that with typical tourist play, a player will lose one bet per hour. If you play $10 a hand, you will bounce up and down, but in the long run, you will end up losing $10 per hour. (A typical tourist playing a quarter slot machine will expect to lose $40 per hour and a $1 slot player will average losing $80 to $90 per hour. The table games are very user friendly by comparision.)
Back to table minimums: They are generally very fluid, changing with conditions. Part of the bosses job is to be aware of how many empty seats / tables there are and move the minimums up or down. Usually, when the minimum is raised on a table, the boss will change the sign and announce “This applies to new players only.”, so if have been betting $5 and the sign now says $10 Minimum, you can still bet $5 (the dealer will tell his relief about it.)
So, if the casino is full of $10 and up players at 9 o’clock Saturday night, the boss isn’t going to make a $3 table for you … but if it’s 11 AM on Tuesday and there are a lot of empty tables, he might, if you ask … but you’re really worrying yourself needlessly by seeking out such low stakes.
Good luck … and have fun.