Once considered among the most popular card games, baccarat has made a comeback at U.S. online casinos. In this comprehensive guide, our team of experts will explain the rules, different ways to play the game and where to find the best baccarat games in the U.S. Read on for more!
What are the best casinos to play Online Baccarat in the U.S.?
Whether you’re a beginner or expert, there is a baccarat table available for you at nearly every U.S. online casino.
At AmericanCasinoGuide.com, we’ve reviewed the top casinos in the country and come up with those that are guaranteed to be regulated — safe, secure, and trustworthy — with the best selection of baccarat games you can find.
Here are the best choices for online baccarat gameplay in the U.S.:
With six different versions of the game, BetMGM has the most expansive collection of baccarat games in the market.
BetMGM has both an online (RNG) version and live dealer baccarat, along with First-Person Baccarat and Baccarat Pro Series.
This casino is a rarity in having two versions of the live dealer game, including one developed by Evolution Gaming, which is an industry leader.
As one of the most respected online casino names out there, Golden Nugget has a quality selection of baccarat games, offering the flexibility of a minimum bets ranging from $0.10 to $1.00.
Golden Nugget’s Live Baccarat game is also powered by Evolution Gaming. They offer multiple RNG versions.
Known primarily for their big-name sportsbook, DraftKings Online Casino stands out for offering a branded baccarat game called Lunar New Year.
In Lunar New Year, this baccarat variant mixes things up by changing the feel of the game based on the lunar new year. It’s a must-try for any player looking for a new twist on the game and offers promotions that players can’t find anywhere else.
DraftKings also offers RNG baccarat for the more traditional player.
Is Online Baccarat Legal in the U.S.?
Yes, it is legal to play blackjack online in the U.S.
Nearly all U.S. online casinos offer blackjack and many of them offer different variations of the game, which our team of experts will detail below.
PartyCasino, 888 Casino and Borgata Casino are a few sites that have a diverse variety of blackjack games. While some online casinos focus on popular slot machines, most have a table game presence — at least blackjack and roulette.
If you are a serious blackjack player, it might be worth it to look around at the online casinos we’ve reviewed to compare the variety and see which games interest you the most.
Here at AmericanCasinoGuide.com, we’ve only reviewed casinos that have been authorized by and licensed by their respective states. Currently, only five U.S. states allow online casino gambling: New Jersey, Pennsylvania, West Virginia, Delaware and Michigan. All of the casinos on our site are licensed by their respective states:
- New Jersey Division of Gaming Enforcement
- Pennsylvania Gaming Control Board
- West Virginia Lottery
- Delaware Gaming Enforcement
- Michigan Gaming Control Board
Online gambling has been legal in the U.S. since it was legalized in New Jersey in 2013. For more information on the legality of online blackjack, check out each state’s page on regulations and legislation, listed above.
Is Online Baccarat rigged?
No, by playing baccarat online at one of the online casinos our team has reviewed, you can be confident that you’re getting a fair game.
Just make sure you choose a casino that is licensed in the U.S. and fits your needs after reading the reviews from our experts.
How it works: In online baccarat (and many other virtual games), a Random Number Generator (RNG) is used. These RNGs are regulated and have been tested by agencies like eCogra. Online casinos that host live baccarat games use professional dealers, so you can trust the fairness of play.
Why Play Baccarat Online?
Online Baccarat vs Baccarat in Landbased Casino
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Play from any location
The best part of playing baccarat online is the comfort and convenience it offers.
If it’s late at night or if you only have a few minutes to spare or if you can’t make it to the casino, you’re always in a position to play. And when you start, you can play for as long or short as you want.
With many U.S. online casinos offering mobile applications, you can even play online baccarat on the go.
Starting online baccarat play at a reputable U.S. online casino is easy and it’s just as easy to find one that offers a welcome bonus when you start.
Our team of experts has detailed the best online casino bonus offers which will allow you to play your winning hands with some bonus funds in your pocket. All you have to do is sign up!
To best duplicate the casino atmosphere, many online casinos offer live dealer baccarat.
For some players, there’s added adrenaline and excitement that makes playing live baccarat worth their while.
Many casinos offer live casino bonuses, which will help you get playing with some more funds on your side.
Live Baccarat – Online experience of a classic game
In live baccarat, the game itself remains the same, but the atmosphere is different due to either a human dealer or an online casino’s virtual set-up.
To explore more about the different ways to play baccarat online, read more below.
Difference between Live Dealer Baccarat and RNG (Virtual) Baccarat
Both live dealer and RNG (virtual) games are new and exciting ways of playing baccarat online.
The biggest difference between the two, of course, is the dealer: In live dealer games, there is a human, professional dealer present; in RNG games, there is not.
For live dealer games, the hands will be streamed onto your screen in a casino setting. This will give you the opportunity to interact with the dealers while you play.
For RNG baccarat games, it’s a virtual affair, with computer-generated tables and cards that are dealt randomly.
In these games, the casino software ensures complete fairness and random results that you should be confident in.
In reality, both games are the same: A player’s preference comes down to personal taste. Which way might you play? Read on for more.
Live Baccarat Games
Live dealer baccarat games feature a human dealer that passes out cards and leads the action. In this format, you control the game by interacting with the dealer and telling them where to place your chips on the table.
The most popular live baccarat providers for U.S. online casinos are NetEnt, Evolution and Playtech.
Generally speaking, live baccarat is not offered as a free game.
With online casinos growing and providers’ technology increasing, it’s likely that more online baccarat games will be offered in the future.
Virtual Online Baccarat Games
Most of the top online casino game providers produce virtual baccarat games. These providers have one goal in mind: Fast and exciting play.
In these versions, you can wager chips on hands by sliding them onto the betting screen.
While each online casino game provider has a different style and feel to their games, nearly all take a similar approach of developing an easy layout with simple controls.
In live dealer baccarat, you are playing against the RNG software.
Of note: There is also a different variant in virtual online baccarat called EZ baccarat, which removes the 5% commission rule on the banker.
How to play Live Baccarat?
Here’s how to play live baccarat:
- Read our reviews to find an online casino in the U.S.
- Make sure that the casino offers live casino games.
- Register a new account.
- Opt-in to any live casino bonuses available.
- Make your first deposit via your preferred payment method.
- Click on the live casino tab in the main menu.
- Find a baccarat table and start playing.
Three important tips to know before playing Online Baccarat
It’s important to be as informed and prepared as possible when you’re playing baccarat for money, which is why our team of experts has put together this guide to help and teach you the most important aspects of the game:
1. Know Basic Rules, Side Bets, and Payouts
The basic rules of baccarat are incredibly simple: try to get as close to 9 as you can without going over. Face cards (jack, queen, and king) and 10s are all worth zero, which is why the game was originally associated with that number. The numbered cards are all worth the number printed on the card, and aces are worth 1.
If you go over 9 (say, if you’re dealt two 9s), then 10 is subtracted from your total (18 – 10 give you 8). If either side is dealt an 8 or 9, that is a natural win for the owner of the 8 or 9.
Players stand on 6-9. When the player stands, the bank will draw on 0-5. If the player draws 0-5, they will be given another card.
There are three bets a player can make in baccarat online:
- The Banker
- The Player
- The Tie
First, the player will choose which bet they’d like to place. Then, the dealer will hand out two cards to each the player and the banker. The closest to the sum of nine wins the hand.
You can see why baccarat is so popular: the rules you need to know are quite simple, and there is very little strategy to learn in order to be a good player.
2. Learn all Baccarat Betting Strategies
Employing the right strategy is key to having success in baccarat because it’s a flexible way to boost your chances of winning in different situations.
Get familiar with these strategies to put the odds on your side by understanding the numbers, house advantage and types of bets.
Beginners may like to stick to a basic strategy before trying something more complex as they go on.
In baccarat, smart betting choices really affect how much you take away from the game. You do not make any decisions or have any role in the cards that are dealt.
You can control how much you bet, whether you bet on the strong bets. Also, you control whether you take bad bets.
Your baccarat strategy then revolves around making smart bets (and avoiding the bad ones).
Player and Banker Bet
The first type of bet is on the Player’s hand, which will pay 1-to-1 but doesn’t offer the same odds as betting on the Banker.
Betting on the Banker is considered a smart bet. Your odds are as strong as you’ll find in any casino game here. In fact, they’re so good that the casino charges a 5% commission on your bet. This is to recuperate the losses they’re anticipating. It is a safe bet, but one where you’ll continuously lose that 5% if you win, plus your entire bet if you lose.
Of note: This 5% commission is not charged in some online baccarat games. With games of luck like baccarat, you want to minimize your disadvantage; that is the strategy. Picking the right table – i.e., the table with the lowest house advantage – is the way you put yourself forward.
Bet on a Tie
The Tie pays around 8x your bet (check your rules), which can be enticing. If you play the minimum at a $25 table, you walk away with $200…great! You know the odds are not in your favor, but how bad is it?
The tie bet has a 15% house edge, and that will eat up your bankroll fast if you’re playing at a more expensive table. If you’re feeling really lucky and have the money in your bank, no one will stop you. But there can be better bets.
- Did you know? Each of the three bets in baccarat comes with different house edges. The Player (1.24%) and Banker (1.06%) come with the best house edges.
3. Plan your budget and your time
Perhaps the most important thing about playing baccarat online is planning and gambling responsibly. You must be prepared to win or lose. A good practice is to plan your budget ahead so you know when to quit, and also to give yourself enough time to get the hang of things.
Which Baccarat variant is the best for you?
By now, you know that there are multiple different versions of baccarat that are popular all around the world.
While you won’t find all of them when you play baccarat online, it’s good to know what they are and the different strategies that go into them. The more you know, the better.
Most U.S. online casinos have a healthy selection of baccarat, but there are also a couple of games based on variants that may pique your interest:
Some online casinos in PA offer EZ Baccarat which removes the 5% commission rule on the Banker. The house edge for each bet remains the same as traditional baccarat; B (1.06%) P (1.24%).
You can play with different side bets, including Panda 8 and Tiger 7. Play EZ Baccarat at one of our top online casinos.
How to improve your game
As you know, baccarat is a game of both luck and skill. And while you can’t do much about the luck aspect, you can do something about the skill.
There are several ways to improve your chances of winning at baccarat besides sticking to a basic strategy. Depending on what online casinos you play can provide added value and even following professional players for insider tips can influence your game and your wallet for more winnings.
1. Read our game & casino reviews
The most important thing is to choose the right place to play baccarat online.
Choosing a casino with a strong welcome bonus and regular promotions will provide added value. Some casinos have a wider selection of baccarat games than others and certain casinos may give you cash back on losses incurred on baccarat, which can help you win more overall. Others may reward you with reload bonuses that you can use to play the game.
Additionally, if you’re prioritizing baccarat, you’ll want to pick an online casino that has a number of different tables and game variants to best suit your budget and playing style.
Be sure to check out our comprehensive casino reviews, where you’ll find the latest on bonuses, promotions, and any special baccarat offers, along with a detailed look at the baccarat selection for each casino.
2. Practice for free
If you’re not quite ready to put your money on the baccarat table, many casinos offer virtual baccarat games that can be played for free.
This is a great way for beginners to feel out the game and find their best strategy without having to put money on the line. Practicing for free is simple: You play as you normally would but without real money at stake.
Though live dealer baccarat games typically don’t offer a demo version, you may be able to receive a live casino bonus that you can use to play with extra funds.
3. Watch streamers to discover new tips
Another fun option to get better at baccarat is by watching the professionals play.
Perhaps the best way to do that is by following some baccarat streamers on Twitch. There, they often discuss their best strategy and tactics which you can implement into your game to beat the house.
Playing Baccarat on your mobile device
With so many online casinos focusing on mobile applications, it’s as easy as ever to play baccarat on your mobile device.
Many U.S. online casinos have optimized mobile sites or dedicated applications and playing baccarat on a mobile app can give you access to special features like push notifications.
In many cases, these apps offer a better user experience overall. Plus, you’d be able to play baccarat online anywhere in the U.S.–skipping the sign in process on a mobile browser.
Popular Live Baccarat Table providers
While there aren’t many providers that offer Live Casino games, the market is dominated by a few of the leading Live Casino studios, such as NetEnt and IGT.
For Live Dealer baccarat, the top provider is Evolution, a leader in the industry.