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Five Card Tarot Spreads

Five-card Tarot readings are a favored arrangement due to their ability to offer greater depth compared to a three-card layout, while remaining less extensive and intense than readings with more cards. They are a common feature in many Tarot readers’ practices because they provide versatility for various scenarios. Similar to three-card spreads, the straightforwardness of five-card layouts makes them readily adjustable and adaptable based on the querent’s inquiry.

A five-card spread is suitable for obtaining prompt answers, guidance in decision-making, or assistance during periods of transition and change.

Here, you’ll discover the fundamentals of how five-card spreads operate, but feel empowered to adjust the interpretations of certain cards in these spreads to align perfectly with your own requirements.

Cross Formation Tarot Spread

A five-card spread can adopt a cross formation, expanding upon the traditional three-card layout. In this configuration, a central row typically comprises three cards representing Past, Present, and Future. Beneath these three cards, another card is placed to unveil the underlying cause of the current circumstances.

Additionally, a card is drawn and positioned above the three-card row to illustrate the potential outcomes of the situation. Although it may not depict the definitive outcome, it highlights the most optimistic or pessimistic possibility concealed within the current state of affairs.

This five-card Tarot spread serves as a tool to chart a course of action. It is relatively straightforward to perform and is particularly beneficial for beginners. This spread provides additional insight into the querent’s concerns, predicts the most probable outcome, and unveils any latent potential within the situation.

  1. The Present – This card symbolizes the current situation of the querent. Connect it to the querent’s question or concern to establish the overarching theme for the reading.
  2. The Past – This card unveils past occurrences that continue to impact the present situation. Letting go of these influences may be necessary for the situation to realize its full potential, as indicated in card 5.
  3. The Future – This card depicts the future outcome of the situation based on the current circumstances, should the querent continue along their present trajectory.
  4. Reasons/Causes – This card unveils the reasons or causes behind the querent’s current situation. It may also expose any obstacles obstructing the querent’s path, working in tandem with card 2. Should a significant correlation exist between these two cards, the querent must address the issues they reveal in order to attain the potential indicated in card 5.
  5. Potential – This card unveils the potential outcome that may manifest if the querent decides to heed the advice provided by cards 2 and 4.
Important to note

Should card 3 depict a positive outcome, while cards 2, 4, and 5 present negative aspects, the cards encourage the querent to maintain their current course and steer clear of the negative circumstances indicated by the other cards. The fifth card unveils the hidden potential within the situation, which can manifest either positively or negatively; this should be kept in mind throughout the reading.

The card representing the past may portray a positive scenario, indicating a time when the querent made a wise decision. The advice for the querent in the present situation may align with their past actions. In such instances, card 4 is likely to provide justification for replicating the past actions, rather than elucidating the current challenges or their causes.

Five-Card Horseshoe Tarot Spread

This modified version of the standard five-card spread provides deeper insight into the querent’s expectations and their impact on the situation. Unlike traditional layouts, the past is not emphasized in this arrangement, and any guidance offered pertains to the querent’s beliefs rather than their actions or inactions. This spread is straightforward enough to be repeated multiple times to explore various facets of a problem.

  1. This card symbolizes the current situation of the querent. Connect it to the querent’s question or concern to establish the overall theme for the reading.
  2. This card embodies the querent’s anticipations regarding the situation. It may unveil the beliefs or aspirations that the querent presently holds or wishes to materialize.
  3. This card symbolizes the unforeseen or elements currently concealed from the querent.
  4. This card signifies the imminent future, indicating events set to unfold in the coming days or weeks. These are developments that lie just beyond the querent’s immediate grasp but are swiftly approaching.
  5. This card symbolizes the distant future, unveiling the long-term repercussions of the situation should the querent persist along their present course.
Important to note:

If card 2 portrays negativity, it suggests that the querent harbors doubts about deserving a positive outcome. This inclination towards self-sabotage originates from a deeply ingrained belief that must be altered to attain the optimal result.

If cards 4 and/or 5 depict negativity, link them back to cards 2 and 3. If either of the latter cards is negative, it serves as the underlying cause for the adverse events forecasted in the future, and the querent should adapt accordingly to alter both short and/or long-term outcomes. Changing short-term outcomes may prove more challenging as energies are already in motion, shaping the depicted events, but the severity of the situation can still be mitigated.

Five Card Spread to Help Welcome Transformation

This five-card spread proves beneficial when the querent seeks assistance in navigating a transitional phase in their life. Major changes can often feel daunting and challenging to embrace, making it valuable to seek guidance from the Tarot for direction.

  1. This card unveils the optimal steps the querent can take to facilitate a smoother transition. It provides insights and guidance on how to navigate the changes more effectively, ensuring a smoother journey through the transitional phase.
  2. This card unveils the individuals, attitudes, beliefs, or elements that will offer support to the querent as they navigate significant changes. These may include people who provide guidance, beliefs that offer reassurance, or objects that bring stability. They serve as anchors, helping the querent feel grounded and secure amidst the tumultuous shifts.
  3. This card offers deeper understanding of the underlying reasons behind the changes unfolding in the querent’s life. It sheds light on the purpose and potential benefits of these transformations, revealing how the querent stands to grow and evolve through the experience.
  4. This card unveils the elements or attachments that the querent must release in order to progress forward. It may highlight past experiences or wisdom that can serve as valuable resources to aid the querent in their journey through the transition. Essentially, it offers insights into what needs to be shed or relinquished to facilitate growth and advancement during this period of change.
  5. This card serves as a channel for Higher Guidance, offering the querent essential insights needed during this transition phase. It unveils significant aspects or messages that the querent must acknowledge or understand to navigate the changes effectively. This guidance can encompass wisdom, warnings, or revelations that are crucial for the querent’s journey forward.
Important to note:

If any of these cards present negative aspects, it’s essential to remind the querent of the principle of duality. In this principle, the coexistence of good and bad is acknowledged, recognizing that nothing exists solely in one state. Rather, these states are in constant flux, moving towards each other. The presence of negativity suggests a potential for growth and evolution, as traversing through challenges can lead to a deeper understanding and spiritual development. This serves as a reminder that both positive and negative experiences contribute to one’s journey and eventual enlightenment.

Five Card Financial Spread

This layout represents a modified version of the fundamental five-card spread, tailored specifically to assess the querent’s financial circumstances.

  1. This card signifies the present financial state of the querent, offering insights into their current monetary standing, including assets, debts, and overall financial stability.
  2. This card unveils whether the querent can expect an influx of money or financial opportunities in the near future. It provides insights into potential sources of income, windfalls, or financial gains that may be on the horizon, offering guidance on upcoming financial developments.
  3. This card signifies potential opportunities that the querent should examine more closely. These opportunities or situations hold promise for financial gains or advancement for the querent. It advises the querent to pay attention to avenues that could lead to increased financial prosperity or stability, urging them to explore these possibilities further.
  4. This card unveils individuals or endeavors that can contribute to the querent’s financial well-being. It may indicate specific individuals who could offer support, guidance, or opportunities related to finances. Additionally, it could highlight projects, collaborations, or partnerships that have the potential to generate income or enhance the querent’s financial situation. Overall, this card encourages the querent to recognize and leverage the resources and connections available to them for financial advancement.
  5. This card signifies the eventual outcome or result of the querent’s financial circumstances. It provides insight into where the querent’s financial journey is headed based on their current actions, decisions, and external factors. Depending on the card drawn, it could indicate financial stability, growth, challenges, or setbacks. The interpretation of this card offers guidance on how the querent can navigate their financial path and achieve their desired outcomes.
Important to Note:


As evident, the straightforward nature of the five-card spread renders it highly adaptable for customization. You possess the liberty to alter the positions and interpretations of each of the five cards to align more closely with your specific requirements. This flexibility allows you to tailor the spread according to the nuances of your inquiry or the preferences of the querent, ensuring a personalized and insightful Tarot reading experience.

While five-card readings offer quick insights, I have an even more straightforward method to provide you with the answers you seek. Get your complimentary 3-card reading from me today, and I’ll illuminate aspects of your past, present, and future. This personalized reading requires no commitment and may reveal hidden truths about your life. Don’t hesitate to request your reading now for valuable insights.