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Complete Guide to Baccarat in the U.S.A.!

You can play baccarat at most of the online casinos in America, so let us help you find the best in the market! Online baccarat is one of the most popular casino table games among players. You can play it in a variety of ways but the types of bet stay the same. 

Baccarat is really a good game for the small stakes player because

  1. It has a low house edge
  2. It's very simple to play

We’ve broken down everything that you want to know about online baccarat, here in our guide! Learn the rules, perfect one of our strategies, and find the best casinos in America to sign up for! 



What are the Best Baccarat Online Casinos in America?

There are a number of online casinos in the United States that offer baccarat for real money! Just in New Jersey alone, players have over 20 casino sites to choose from. We’ve listed our top online baccarat casinos in the country to play on! 

Find online baccarat and live dealer options at any of the following sites. Click on the links below each casino to sign up and claim a bonus to get started! 

Hard Rock Online Casino (New Jersey)

Hard Rock has a great selection of online baccarat. They have live dealer baccarat and great virtual baccarat as well!

They'll start you off with 50 free spins and up to $1,000 in a match on your first deposit just for signing up. 


Hard Rock
$ 1,000 bonus and 50 free spins.
| t&c Apply |

SugarHourse (New Jersey)

SugarHouse is an awesome online casino for many reasons. They have great virtual and live dealer baccarat, streamed from Atlantic City by Evolution Studios.

SugarHouse also has one of the best welcome bonuses out there. $250 matching deposit with a super low 1x wagering requirement!


SugarHouse
$ 250 bonus.
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888 Casino (New Jersey)

888 online casino is one of the top online casinos in New Jersey! Players will find an impressive live casino platform with a variety of games to choose from. This includes live dealer baccarat. Sign up to 888 Casino in NJ now and you’ll receive a free $20 just for completing registration.   


888 Live Casino
$ 20 signup bonus + $ 2,000 bonus.
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Golden Nugget Casino (New Jersey)

Golden Nugget in New Jersey has a lot to offer players. They have a large selection of games, including great live dealer casino games. Some of the tables are even streamed directly from the casino floor to your device! Players have a number of baccarat games to choose from at Golden Nugget NJ. Sign up today and receive $20 instantly!  


Golden Nugget
$ 1,000 bonus and 200 no wagering free spins.
| t&c Apply |

Borgata

Live Dealer

Even at the largest casino in Atlantic City, it can be hard to get a seat at the baccarat table. Lucky for you their online baccarat games are always available!

BetMGM is partnered with Borgata and offers the same great baccarat games, including live dealer baccarat!


BetMGM
$ 25 signup bonus + $ 1,000 no wagering bonus.
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Borgata Online
$ 20 signup bonus + $ 600 bonus.
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What is Baccarat Online?

Online baccarat is a virtual version of the casino game Baccarat. The goal of the game is to wager on the hand you believe will get closer to 9. There are two hands to bet on; the Player and the Banker, and other side bets, which we discuss further down.  

You can play virtual baccarat or with a live dealer from your mobile device or computer. 


Listen to our Podcast! Click here: "Everything You Ever Wanted to Know About Baccarat" with Michael Shackleford, the Wizard of Odds (October 2010)

Steve interviews gaming writer Michael Shackleford, also known as the Wizard of Odds, to learn all about baccarat. They discuss how to play the game; the casino's mathematical advantage on the various bets that are offered; the best strategies for playing; and whether or not the game can be beaten in the long run.


Live Dealer Baccarat Games 

Live dealer baccarat is extremely popular in the United States! These types of games are as close as you can get to the real casino experience, without having to go anywhere. The live casino will stream directly from a studio designed to look like a real baccarat table. You can interact with the dealer using a chat feature and play the game at your own pace.

Live baccarat games are not available 24/7. The hours will depend on the online casino but are most often between 11 am to 3 am. There are a number of live dealer baccarat tables available, so it’s unlikely you’ll ever have to wait to play. 

Play baccarat at the best live casinos in America: 


SugarHouse
$ 250 bonus.
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How Does Baccarat Online Work?

Baccarat is not a difficult game to learn. When you play online, you’ll place your bets by selecting from the three options on the screen. Once you’re happy with your wagers, you can hit the deal button and the cards will automatically be dealt.

After they have been revealed, the hand closest to 9 points wins. Those who bet on the winning hand can then claim their money. 

Online baccarat doesn't have an actual deck to shuffle. It simulates the shuffling of the deck using a software program called a Random Number Generator (RNG). 

How to Play Baccarat

The rules of baccarat are simple. Choose the hand that you believe will reach 9 points or closer using the cards dealt. There are three types of bets in baccarat; the Player, Banker, and Tie. 

  1. Aces: 1 Point 
  2. 2, 3, 4, 5, 6, 7, 8, 9 cards: the point is the numeric value shown on the card.
  3. 10, Jack, Queen, King: 0 points  

Since the goal is to reach 9 points, the value of the hands goes by the last digit. For example, a 7 and an 8 would equal a 5 point hand in baccarat (7 + 8 = 15, 5 is the last digit).  

If the first two cards in either hand total 8 or 9, then the game is over and the highest total wins. If the totals are both 8 or both 9 then it's a tie and neither hand wins.

For any other total the rules have to be consulted and it's always the player hand that goes first. If the player hand has a total of 6 or 7, it must stand. The only other totals it can possibly have are 0,1,2,3,4 or 5 and for all of those totals, it must draw a card.

After the bets have been placed, you can choose to hit or stand. If you want another card in your hand, you’ll hit. If you don’t want to change your hand, you can stand. Deciding when to hit and stand can vary depending on the hand you’ve bet on. We explain this and the odds for each bet further down. 

Player Draws
8-9 Stands (Natural)
6-7 Stands
0-5 Draws

If the player hand has a total of 6 or 7 it stands and for anything else, it has to draw a card. 

After the player hand is finished the banker hand must take its turn and if its first 2 cards total 0,1 or 2 it must draw a card. If its two cards total 7 it must stand and if the total is 6 it will stand, but only if the player hand did not take a card.

Bank Draws
8-9

Stands (Natural)

0-2 Draws
6

Stands (if player took no card)

7 Stands

The only other possible totals the bank can have are 3,4,5 or 6 and the decision as to whether or not a 3rd card is drawn depends on the 3rd card that was drawn by the player hand.

When the banker hand has a total of 3 it must stand if the player's 3rd card was an 8 and it must draw if the player's 3rd card was any other card.

Types of Bets and Odds

There are three bets you can make in baccarat! The Player hand, the Banker, or a Tie. 

These are the odds of winning on an infinite deck with a 5% commission.

Player:

Event Probability Pay
Win

0.446147

1
Loss

0.458428

-1
Tie 0.095426 0

 

Banker:

Event Probability Pay
Win

0.458428

.95
Loss 0.446147 -1
Tie 0.095426 0

 

Tie:

Event Probability Pay
Win

0.095426

8
Loss 0.904574

-1

How to find the total value

No total can be higher than 9. So, if a total is 10 or higher you have to subtract 10 to determine its value. For example, 8, 8 totals 16 but you subtract 10 and your total is 6. 9, 5 has a total of 4. 8, 3 has a total of 1; and 5, 5 has a total of 0.

Who Wins?

The object of the game of Baccarat is to have a total as close to 9 as possible. So after the first two cards are dealt, if either the player or banker hand has a total of 9 then that's called a "natural" and that hand is the winner.

If neither hand has a total of 9 then the next best possible hand is a total of 8 (which is also called a "natural") and that hand would be the winner. If both the player and the banker end up with the same total then it's a tie and neither hand wins.

Now, if neither hand has an 8 or a 9 then the rules of the game have to be consulted to decide whether or not a third card is drawn. Once that's done, the values of the cards are added together again and whichever hand is closest to a total of 9 is the winner. If both hands end up with the same total then it's a tie and neither hand wins.


Baccarat - How to Play & How to Win!
 

Watch to Our Video -  Baccarat: How to Play & How to Win!

Gambling author, Steve Bourie, explains how to play and how to win at baccarat. Topics covered include: 

  • the rules of the game
  • the bets that can be made
  • the casino's advantage on those bets
  • which bet is the worst and should never be made
  • the best strategy for winning at baccarat
  • a look at a baccarat betting system

Baccarat Betting Systems and Strategies

Once you understand the basics of the game, you can start to form your own strategy. This is based on the types of bets you can place and the odds for each.  

Bet on the Player

The Player hand pays out even money if won, and doesn’t have any commission tied to it like the Banker. While the Banker hand may offer better odds for winning, you’ll get a higher payout if successful on the Player. If you bet on the Player hand and the sum is a 5 or less, you’re allowed to draw a third card.   

Bet on the Banker

The Banker is the recommended bet to go for in baccarat. It offers the best odds and more chances to draw a third card compared to the other hands. Since the odds are so good, most baccarat games will use a 5% commission rule on this hand. 

The Banker can draw a third card under the following circumstances:

  • The Player draws a 6 or 7, and the Banker is at 6. 
  • The Player has a 4, 5, 6, or 7 and the Banker is at 5. 
  • The Player has less than 8 points and the Banker has 3. 
  • The Banker has 4 points and the Player has a 2, 3, 4, 5, 6, 7, 10, or face card. 

If the Banker has less than 2 points, a third card will be drawn regardless of what the player is holding.     


Make that Smart Bet on Baccarat at Golden Nugget or Hard Rock Online any time you're in New Jersey!

Golden Nugget
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Hard Rock
$ 1,000 bonus and 50 free spins.
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Bet on a Tie

Betting on the Tie can seem like a good idea because the payout is the highest of all three bets if you win. However, the house edge attached is 15%. A lot of baccarat strategies use the rule of never betting on a tie. The house edge is too high and the odds are not the best. 

If you want to bet on a tie you would place your bet in the area marked "tie" and if you win you'll be paid off at 8-to-1, or $8 for every $1 you bet (at most casinos).

The big payoff sounds nice but actually this is a terrible bet because the casino advantage is nearly 15%. That's why we advise that you don't make this bet. 

Bet Advantages

If you want to bet on the player hand just put your money in the area marked "player" and if you win you'll be paid off at even-money, or $1 for every $1 you bet. The casino advantage on the player bet is 1.36%.

If you want to bet on the banker hand you would place your bet in the area marked "banker" and if you win, you'll also be paid off at even-money, but you'll have to pay a 5% commission on the amount you win. So, if you won $10 on your bet, you would owe a 50¢ commission to the house.

What is the Commission?

The 5% commission is only required if you win and not if you lose. The dealer will keep track of the amount you owe by putting an equal amount in a small area on the table that corresponds to your seat number at the table.

After adjusting for that 5% commission the casino advantage on the banker bet is 1.17%.


Click here to Listen to our Podcast: "Everything You Ever Wanted to Know About Baccarat
with Michael Shackleford, the Wizard of Odds
"

Steve interviews gaming writer Michael Shackleford, also known as the Wizard of Odds, to learn all about baccarat. They discuss how to play the game; the casino's mathematical advantage on the various bets that are offered; the best strategies for playing; and whether or not the game can be beaten in the long run.


How to Win in Baccarat 

All right, now that you know how to play baccarat we come to the important question which is - how do you win?

If you bet on player you'll only be giving the casino a 1.36% edge. If you bet on banker you'll be giving the casino an even more modest edge of just 1.17%. While both of these are pretty low edges to give the casino you're still stuck with the fact that the casino will always have an edge over you and in the long run the game of baccarat is unbeatable.

So, if that's the case then how do you win?

Well, the answer to that is very simple - You have to get lucky! And that's the only way you can win at baccarat.

Of course, this is easier said than done, but fortunately, in the game of baccarat, you have the option of making two bets that require no skill and both offer the casino a very low edge. Compare them to roulette -  where the house has a 5.26% advantage on a double-zero wheel and slot machines - where the edge is about 8% to 10%!

When you gamble in a casino you have to play the games that have the lowest casino edge in order to have the best chance of winning. With that in mind you can see that baccarat is not that bad a game to play for the recreational gambler.


Make Your Own Luck! Save Money by Playing Online Live Dealer Baccarat with Borgata or BetMGM any time you're in New Jersey!

Borgata Online
$ 20 signup bonus + $ 600 bonus.
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BetMGM
$ 25 signup bonus + $ 1,000 no wagering bonus.
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Why Play Baccarat Online?

Playing baccarat online comes with a lot of advantages compared to the brick and mortar. Online, you don’t have to deal with waiting a long time for a spot at the table. You can play at your own pace and collect rewards at the same time. 

Play from your home

Online casinos allow you to play from anywhere in the state, as long as there is a stable internet connection. This makes playing online baccarat very convenient because you don’t have to leave your house to play! 

You can receive Baccarat Online bonuses

A lot of casino sites offer new players bonuses upon signing up. You can use these bonuses to play online baccarat and get to know the game before depositing your own money. Bonuses do not exist at land-based venues, which means online users will get more rewards.

Access to live casino promotions

You can access a variety of casino promotions that can be used at live dealer tables! These are similar to bonuses but are only offered at live casinos. An example would be; wagering a certain amount at a live dealer baccarat table and receiving a reward in return. It’s another great incentive for getting gamers to sign up online. 


For some great ongoing promotions for loyal customers, check out SugarHouse and 888

SugarHouse
$ 250 bonus.
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888 Live Casino
$ 20 signup bonus + $ 2,000 bonus.
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Baccarat Online Variants

Baccarat has different ways it can be played online. In the United States, a few of the most common variations include Baccarat Squeeze and Mini Baccarat. While new games can be exciting to try, these variations tend to have a higher house edge than the traditional version. This is why it’s recommended to stick to the classic baccarat version over new variations. 

Baccarat Squeeze

Baccarat Squeeze is by Evolution Gaming and part of the live casino platform. It’s very similar to the original baccarat except for the cards being dealt face down. This adds a level of excitement to the game for players. 

Mini Baccarat

Mini Baccarat is one of the more popular variations of baccarat in the United States. Fewer people can play at a mini-baccarat table and the stakes are much lower than the other variations. 

Betting Systems

Baccarat is a game of luck, so some use betting systems to determine their bets. You can have some element of strategy if you're playing with a shoe of limited decks.

Betting on a Streak

Now let's take a quick look at one of the most common systems for betting on Baccarat. One thing that many Baccarat players seem to have in common is a belief in streaks and the casinos accommodate these players by providing scorecards at the table that can be used to track the results of each hand. Many players like to bet on whatever won the last hand in the belief that it will continue to come in and they hope for a long streak.

The thinking for these players is that, since Baccarat is purely a guessing game ,it's just like guessing the outcome of a coin toss. Chances are that a coin won't alternately come up heads, tails, heads, tails, heads, tails but rather that there will be streaks where the same result will come in for a while.

So, is this a good system? Well, actually, it's no better and no worse than any other system because no matter what you do you'll still have the same casino edge going against you on every bet you make: 1.36% on the player and 1.17% on the banker.

The one good thing about a system like this though is that you don't have to sit there and guess what you want to play each time. Instead, you go into the game knowing how you're going to play and you don't have to blame yourself if your guess is wrong, instead you get to blame it on your system!

Is Baccarat Online Legal in America?

You can play online baccarat in any state that has legalized online gambling. This includes Delaware, Pennsylvania, and New Jersey. We only recommend legal online casinos in the US, so players can trust the site they’re wagering on. 

Are Baccarat Online games rigged?

Online baccarat games are not rigged. The United States has very strict laws when it comes to states legalizing online gambling. Every online casino must abide by the regulations set by the state or face serious consequences. 

To guarantee every game of online baccarat is fair, casinos use a Random Number Generator. This way, the outcome is always random and fair for everyone playing. 


Listen to our Podcast for the best tips! Click to listen: "Baccarat - How to Play to Win" February 2017

Gambling author, Steve Bourie, explains how to play and how to win at baccarat. Topics covered include: 

  • the rules of the game
  • the bets that can be made
  • the casino's advantage on those bets
  • which bet is the worst and should never be made
  • the best strategy for winning at baccarat
  • a look at a baccarat betting system

Gambling author, Steve Bourie, explains how to play and how to win at baccarat. Topics covered include: the rules of the game, the bets that can be made; the casino's advantage on those bets; which bet is the worst and should never be made; the best strategy for winning at baccarat; a look at a baccarat betting system; and much more

Can you Play Baccarat Online for Free?

Players in America have access to a lot of free online baccarat games! Many of the online casinos will offer a demo version for each game. Sometimes you’ll be required to sign up for the casino first, but it’s not always a must. This will depend on the casino site you’re on.  

A lot of casinos offer both online and live dealer baccarat games, but you cannot play live dealer baccarat for free. 

Who Plays Baccarat?

When you think of Baccarat you probably think of a game that's played by the casino's wealthiest players who sit at a private table and can afford to bet tens of thousands of dollars on the flip of a card and you know what? You're right!

The game of Baccarat has always had a reputation as being for the richest gamblers and that usually scared off the average player, but nowadays more and more people are discovering that Baccarat is really a good game for the small stakes player because 1.-it has a relatively small advantage for the casino and 2.-it's very simple to play.

Why is the Game Named Baccarat?

Actually the name Baccarat comes from the Italian word for zero and as you'll see there are lots of zeros in this game. When you add the cards together all of the 10's and all of the face cards are counted as zeros, while all of the other cards from ace though 9 are counted at their face value.

Baccarat in Bond Films
 

Rules for Dealing the Third Card

If the Bank has 3 and

  • Player's third card is 8 - BANK STANDS
  • Player's third card is 1,2,3,4,5,6,7,9,10 - BANK DRAWS

When the banker hand has a total of 4 it must stand if the player's 3rd card was a 1,8,9, or 10 and it must draw if the player's 3rd card was any other card.

If the Bank 4 and

  • Player's third card is 1,8,9,10 - BANK STANDS
  • Player's third card is 2,3,4,5,6,7 - BANK DRAWS

When the banker hand has a total of 5 it must stand if the player's 3rd card was a 4,5,6 or 7 and it must draw if the player's 3rd card was any other card.

If the Bank has 5 and

  • Player's third card is 4,5,6,7 - BANK STANDS
  • Player's third card is 1,2,3,8,9,10 - BANK DRAWS

When the banker hand has a total of 6 it must stand if the player's 3rd card was a 6 or 7 and it must draw if the player's 3rd card was any other card.

If the Bank has 6 and

  • Player's third card is 6 or 7 - BANK STANDS
  • Player's third card is 1,2,3,4,5,8,9,10 - BANK DRAWS

There you have it - those are the rules of Baccarat concerning the draw of a third card. As you saw they were a little complicated, but remember that you don't have to memorize the rules yourself because the dealer will know them and play each hand by those rules, but you can always ask for a copy of the rules at the table to follow along.

Example scenarios

Now let's try some sample hands: The player hand has queen,9 for a total of 9 and the banker hand has 4,4 for a total of 8. Which hand wins? Both hands are naturals, but the player hand total of 9 is higher than the banker hand total of 8, so the player hand is the winner.

If the player hand has 4,2 for a total of 6 and the banker hand has ace, jack which totals 1, what happens? The player hand must stand on its 6 and the banker hand must always draw when it has a total of 0,1 or 2. Let's say the bank draws a 7 and wins 8 to 6.

What happens when the player hand has king, 5 and the bank hand has 2, 4? The player hand must draw and let's say it gets a 7 for a total of 2. The banker hand has a total of 6 and if it could stand on that total it would win because its 6 is higher than the 2 held by the player. Of course, if you were betting on banker that's exactly what you would want to happen but, unfortunately for you, the rules require the bank hand to draw another card whenever its first two cards total 6 and the third card drawn by the player is a 7. So now, instead of having a winning hand you have to hope that the card you draw isn't a 5, which would give you a total of 1 making you a loser.

You also wouldn't want to draw a 6 because that would give you a total of 2 which would give you a tie. In this case let's say that the bank hand goes on to draw an 8 which gives it a total of 3 and it wins 4 to 2.

If the player hand has 3, ace for a total of 4 and the banker hand has 8, 7 for a total of 5, what happens? The player hand must draw and say it gets a 9 for a total of 3. Once again, the banker hand would like to stand on its total because it would win, but the rules have to be consulted first and in this case when the banker's first 2 cards total 5 and the player's third card drawn is a 9 the banker hand must stand, so the banker hand wins 5 to 3.

Finally, let's say the player hand has 4,3 for a total of 7 and the banker hand has 6,10 for a total of 6. The player hand must always stand on totals of 6 or 7 and the banker hand must also stand on its total of 6 because the player hand didn't take a third card. The player hand wins this one 7 to 6.

 

 


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