Hermann, an ethnic German, is an officer of the engineers in the Imperial Russian Army. He constantly watches the other officers gamble, but never plays himself. One night, Tomsky tells a story about his grandmother, a countess. Many years ago, in France, she lost a fortune at faro, and then won it back with the secret of the three winning cards, which she learned from the notorious Count of St. Germain. Hermann becomes obsessed with obtaining the secret.
The countess (now 87 years old) has a young ward, Lizavyeta Ivanovna. Hermann sends love letters to Lizavyeta, and persuades her to let him into the house. There Hermann accosts the countess, demanding the secret. She first tells him that story was a joke. Hermann persists, but she refuses to speak. Finally he threatens her with a pistol, and she dies of fright. He flees to Lizavyeta's apartment (in the same building) and tells her what has happened. He defends himself by saying the pistol was not loaded. Though Lizavyeta helps him escape, she is disgusted to learn that his attentions to her were motivated by greed.
Hermann attends the funeral of the countess, and is terrified to see the countess open her eyes in the coffin and look at him. Later that night, her ghost appears to him and names the secret three cards (three, seven, and ace). It tells him he must play just once each night and then orders him to marry Lizavyeta. Hermann takes his entire savings to Chekalinsky's salon, where wealthy men gamble at faro for high stakes. On the first night, he bets it all on the three and wins. On the second night, he wins on the seven. On the third night, he bets on the ace—but when the cards are shown, he finds he has bet on the Queen of Spades, not the ace, and he loses everything. When the Queen appears to wink at him, he is astonished by her remarkable resemblance to the old countess, and flees in terror.
In a short conclusion, Pushkin writes that Lizavyeta marries the son of the Countess' former steward, a state official who makes a good salary. Hermann, however, goes mad and is committed to an asylum. He is installed in Room 17 at the Obukhov hospital; he answers no questions, but merely mutters with unusual rapidity: "Three, seven, ace! Three, seven, queen!"
