There are 12 cards with a value ≤ 3 (3 between 1, 2, and 3, and multiply by 4 to count each suit). So the probability of drawing one of these cards and thus winning the game is 12/52 = 3/13.
The expected winnings for playing this game once are
3/13 × ($41) + 10/13 × (-$11) = $1
so after playing 877 times, you can expect to win a total of $877.
