Globally speaking, baccarat is one of the most significant gambling games out there. In the US, it may not be as obvious a choice as poker or blackjack but in Asia, it is the number one choice of high rollers. You’ll find this simple card game in the biggest land-based casinos of Las Vegas and Atlantic City, but you have far more choices if you opt for playing baccarat online.
We’ll guide you through the legality of online gambling in the US, and we will explain how and where you can play baccarat online for real money. We’ll briefly mention the history of the game and explain the advantages of playing the game online. If you’re here because you already know your stuff, there’s only one thing for you to do now…
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There are quite a few options where you can play baccarat online in the US. Numerous casinos offer the game, however, not all sites are the same. We review gambling sites according to several criteria and only recommend sites that look good on all fronts. Here is what we review:
When it comes to online gaming, online poker, and sports betting legislation in the US, things can get complicated. Each state has its own rules and regulations that may allow multiple forms of online gambling or may prohibit it altogether. As baccarat is a casino game, you’ll be able to play it in states that allow online gambling, namely:
New Jersey
Pennsylvania
Connecticut
Michigan
Delaware
West Virginia
New Jersey was the first state that legalized online gambling in 2010 and soon the other 5 states followed. During the past decade several US land-based casinos started up their online sites and we have seen international casino giants apply for a US license too. Therefore, the selection of games is a mix of American favorites and games that are loved all over Asia or Europe. Baccarat is becoming a very popular game all over the world, so you’ll find different titles of this exciting card game in many US casinos.
Most historians agree that the game originates from medieval Italy. It was developed by Felix Falguiere who named it “baccara” (zero in Italian) because all the face cards and tens in the game were worth zero. The spelling changed to Baccarat when the game spread to France. Today, this French spelling is accepted all over the world and this is how you’re going to find the game in most online and land-based casinos worldwide.
In the 1800s, the game was known in France as Chemin de Fer and it became the favored game of rich aristocrats. It was one of the favorites of King Charles VIII who played it with other nobles. It was the French who introduced the game to England where it also became very popular. The popularity of the game further spread when Ian Flemming featured it in his James Bond novels.
The game reached the new world through the Caribbean and South America where it was known as Punto Banco. It reached the US in the 1950s when it was introduced by Tommy Renzoni. There have been quite a few changes in the gameplay during the years and different variants of the game have been developed. We’ll now look at the main rules of the game and tell you about those variants.
Baccarat is a game of pure chance, meaning that you don’t need any skills at all. The game is very simple. All you have to do is predict whether the banker or the player will have a hand closer to 9. You may bet on either the banker or the player or on a tie. There are several side bets too (depending on the version of the game) that you can place. The number of players in a physical casino is between 1 and 14 (again depending on the version) and the number of decks of cards can also change slightly.
In Baccarat, the cards’ suits are irrelevant, and it is only their values that matter. K, Q, J and 10 have zero value, while Aces are worth 1. Cards two to nine are counted as face value (two is worth 2 and eight is worth 8). If the total value of the two cards exceeds 9 you need to subtract 10 from the value. For example: Nine (9) + Six (6) = 15 – 10 = 5
Most players will place one of the below three bets. They are easy to understand and all you need is luck to win. Place your bet, sit back, and wait for the outcome. 
Many versions of baccarat (but not all) offer side bets. When you play in a baccarat casino online, you can typically choose between several games, so pick one that suits your betting style. The most common side bets that different versions of baccarat may offer are these:
There can be more types of bets available for you in online baccarat, but they may vary from casino to casino.
Just like with any other gambling game, you should know your odds before you play baccarat online for real money. This card game suits people with various risk appetites. You can place bets that have an almost 50% chance of winning or you can place risky side bets that come with high payouts. We have summarized the odds and payouts of the main bets.
Bet | Odds | Payout | House Edge |
Player | 45.86% | 1:1 | 1.36% |
Banker | 44.62% | 1:1 | 1.06% |
Tie | 9.52% | 8:1 or 9:1 | 14.4% |
Player Pair | 7.47% | 11:1 | 10.36% |
Banker Pair | 7.47% | 11:1 | 10.36% |
Perfect Pair | 3.34% | 25:1 | 13.03% |
Either Pair | 14.2% | 5:1 | 13.71% |
Big | 31.8% | 2:1 | 4.35% |
Small | 37.8% | 3:2 | 5.27% |
When it comes to online casino baccarat, there are two ways you can play the game. You can play a virtual game against a computer where you play alone. Virtual baccarat can be played for free or for real money and the minimum bets can be as low as 10 cents.
Live dealer baccarat games are broadcasted from a studio. Here, there’s a live dealer who presents the game, shuffles, and deals the cards and announces the outcome. The best online live dealer baccarat games come with a wide range of betting values (typically between $1 and $25,000) and unlimited seats.
Both virtual and live baccarat online has several variants, and these are the main ones:
This version is the most common type of baccarat in the United States, United Kingdom, Canada, Australia as well as Scandinavia. It is played with 6 or 8 decks of cards. In land-based casinos, there are 3 dealers running the game and the maximum number of players is 14.
As you may figure from the name, mini baccarat offers smaller minimum bets and fewer seats (in land-based casinos) than the original Punto Banco version. This type of the game is popular in the US. There’s just one dealer at the mini baccarat table in brick-and-mortar casinos. Many live baccarat online USA games are of this kind.
The French version of the game is popular in France, Monte Carlo, and other parts of Europe. Chemin de Fer is played with 6 decks of cards and in land-based casinos, one of the players takes the role of the banker. Though this version of the game is not often found outside of the old continent, you may find it in bigger online casinos in the US.
This version of the game also pays even money on both the banker and player bets but if the banker wins with a total of 7 on the third card there is a push on banker bets. There are also two special side bets here – Dragon 7 and Panda 8.
Similarly, to Chemin de Fer, one of the players acts as a banker here. This game is played with 3 decks.
If you have never played the game you may wonder whether you should play it online or in a brick-and-mortar casino. Well, in our opinion, you should definitely play it online first and once you understand the gameplay, and the different bets and have an idea of how easy or difficult it is to win, you should venture into a land-based casino. Below, you can find a quick comparison between online and offline baccarat.
Online baccarat | Land-based casino baccarat |
Minimum bets start at $0.10 | Minimum bets start around $5 |
Free play available | No free play |
Unlimited seats at live dealer titles. Solo play at virtual baccarat | The Maximum number of seats is between 6 and 14 |
Available 24/7 | Limited casino and table opening hours |
Can be played from the comfort of your home | Must visit the casino, find parking, and adhere to dress code |
No social pressure | Can feel intimidating |
Baccarat is a game of chance so there’s no bulletproof winning strategy. However, the below tips can help you control your bankroll and get the maximum out of your gameplay.
Most online casinos offer demo versions of the game. Practice as much as possible and see how long $1,000 in play money will take you. You can experiment with different bet types and see what works out the best for you.
Betting strategies such as the Martingale or Fibonacci system are often used by gamblers. However, these systems can make you run out of money quickly. We advise against having a betting strategy. Baccarat is a game of chance and should be played for fun and not as a strategy game like poker or blackjack.
Just like all gambling games, baccarat comes with a house edge that ensures that in the long run the house always wins. If you were lucky and managed to get a few wins in a row, it is time to stop and go home with your winnings.
It is not possible to cheat when you play baccarat online. There’s no card counting like in blackjack, and you obviously can’t mark the virtual cards.
The best bet you can make is the player bet, which gives the highest chance of winning. The key is to wait for a winning streak and when you already had some wins stop playing.
If you play at a licensed casino, rest assured, that the games will not be rigged. Legal US online casinos use random number generators to determine the outcome of each game. This system ensures that all outcomes are fair and random.
US players can legally play at online casinos in 6 states including New Jersey, Connecticut, Pennsylvania, Michigan, West Virginia, and Delaware. You can play at any online casino that is licensed in one of these states if you are physically within those states, and you are over 21.
Yes, most online casinos offer the demo version of their virtual baccarat games. Note, that live baccarat online games cannot be played for free.
When it comes to online gaming, online poker, and sports betting legislation in the US, things can get complicated. Each state has its own rules and regulations that may allow multiple forms of online gambling or may prohibit it altogether. As baccarat is a casino game, you’ll be able to play it in states that allow online gambling, namely:
New Jersey
Pennsylvania
Connecticut
Michigan
Delaware
West Virginia
New Jersey was the first state that legalized online gambling in 2010 and soon the other 5 states followed. During the past decade several US land-based casinos started up their online sites and we have seen international casino giants apply for a US license too. Therefore, the selection of games is a mix of American favorites and games that are loved all over Asia or Europe. Baccarat is becoming a very popular game all over the world, so you’ll find different titles of this exciting card game in many US casinos.
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