3♥ 4♥ 5♥ 6♥ + 5♣ cut = 18 points

What the 5 of clubs contributes

Holding 3 of hearts, 4 of hearts, 5 of hearts, 6 of hearts with the 5 of clubs as the cut scores 18 points in the hand.

Scoring combinations involving the 5 of clubs contribute 8 points. The remaining 10 points come from combinations entirely within the four held cards.

• fifteen: 4 of hearts, 5 of clubs, 6 of hearts — 2 points.
• run of four: 3 of hearts, 4 of hearts, 5 of clubs, 6 of hearts — 4 points.
• Pair: 5 of hearts, 5 of clubs — 2 points.

Other available cuts of this rank: 5 of diamonds (18 points); 5 of spades (18 points). Changing only the cut suit leaves this score unchanged.

How this cut compares

For these four held cards, 36 possible cuts score less than 18, 9 score the same (including the 5 of clubs), and 3 score more.

Across all 48 possible cut cards, the score ranges from 12 to 20 points, averaging 13.98 points. This comparison treats every card outside the four-card hand as equally likely; it does not exclude known discards or other seen cards.