Online Baccarat Casinos

Learn How to Play Baccarat at Top US Casinos

If you're looking for the best online baccarat games, you've come to the right place! For beginners, read through our tips and strategy guide to get the feel for the game. For more experience players, we have the list of the best online casinos offering baccarat you'll find around.

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Online baccarat remains one of the most popular offerings in any casino. You’ll find baccarat in practically any online casino, with a number of variations and themes.

It’s known to have one of the best house edges in the casino, with an edge of just under 2%. Online baccarat is the perfect game for players who want to relax and have a good chance of winning some money.

Baccarat's house edge is under 2%

Online Baccarat Real Money vs. Free Baccarat Online

The best baccarat online casinos will have free and real money options. You can choose either playing mode, but you must know what you are signing up for.

What is Online Baccarat?

Baccarat Online is a virtual card game with all the same rules as in a land-based casino. To play, players must place their money on one of two bets; the Player or the Banker. 

Many online casinos in the US offer at least one variation of baccarat. 

Real money online baccarat – The advantages

While there are many advantages to playing baccarat with real money, the potential harm cannot be ignored. We list some of them below:

Free online baccarat – The advantages

Free online baccarat might seem like a lost cause for players used to playing for real money. Here is why:

Advantages of playing baccarat online

How to Find the Best US Online Baccarat Casinos

Finding the best online baccarat sites can be a chore, especially if you are unsure what you are looking for.

Our online casino experts have invented detailed criteria that help us find the best online baccarat casinos.

We consider features such as the online baccarat game variety, providers supporting the site, the inclusion of live baccarat variants, and mobile friendliness.

Here are some of the top US online baccarat casino sites:

Is Online Baccarat Safe?

The best online baccarat casinos never focus on getting money from players but provide an enjoyable gaming experience.

These sites have a range of responsible gambling tools that you can use to monitor your gameplay.

Read our reviews and find out about the vast options at your disposal.

Is Online Baccarat legal in the US?

Online baccarat is legal in any state where online casinos are legal. 

Currently, these states are issuing gambling licenses:

We will never recommend illegal or offshore casinos on our site, as those are not regulated and are held to the same safety guidelines as legal online casinos in the US. 

Are Online Baccarat games rigged? 

No, online baccarat games are not rigged. Rather than using RNG software or live dealers, all games at online casinos are regulated by their respective state’s gaming commission/board.

Any online casino caught not meeting these standards and abiding by state laws risks hefty fines and losing their license from bodies such as the NJDGE and PGCB

Why play Online Baccarat? 

Since there are a couple of options when playing baccarat, it’s only fair to enquire why you would settle for the online route. Consider the table below.

Online Baccarat vs. Baccarat in Landbased Casino

 Online BaccaratBaccarat at Land-Based Casinos
Play from your home X
Bonuses X
Promotions X
Play on multiple seats simultaneously X

Play from your home – or anywhere

Online baccarat does not restrict you to only playing where the games are located. As long as you are within state lines, you can play your favorite baccarat games wherever there is an internet connection.


Online casinos are known for providing the best bonuses. You can signup and use these offers on baccarat games.


Freebies do not end when you join the casino. Operators also actively promote many baccarat variants through regular promotions. Check out our offers page to find the latest casino promotions.

Play on multiple seats

Playing online gives you access to many baccarat game types. One of the most popular is multi-hand baccarat, where you can play on more than one seat.

Variants of the game

There are numerous variations of baccarat that you may encounter, but here are the most common ones. 

VariantRTPHouse edge
Classic Baccarat / Punto Banco 98.82%1.17 – 1.36%
No Commission Baccarat 98.94%1.458% on 8-decks
Speed Baccarat 98.94%1.06%
Live Dragon Tiger 96.72%3.7%
 Chemin de Fer98%– – –
Baccarat Banque98.4%1%+
EZ Baccarat98.98%1.06
Baccarat Squeeze98.94% – – –

Classic Baccarat / Punto Banco

Classic baccarat is also known as Punto Banco. The objective is to guess which hand will be closest to a total point value of 9; the Player’s Hand or the Banker’s Hand. 

Popular variations of this game include Mini-baccarat and EZ baccarat.

No Commission Baccarat

In classic baccarat, a “fee” is taken from winning wagers made on the Banker’s Hand. In no-commission baccarat, this “fee” is removed. This move increases the house’s edge in the game. 

Bets on the player payout 1:2, while banker bets will give 1:1

Speed Baccarat

Speed Baccarat is a variation created to make gameplay move faster by making the betting period only ten seconds instead of the usual 15. This version also has side bets that allow players more ways to win. 

Live Dragon Tiger

Dragon Tiger baccarat is a two-card variation of the game. Live Dragon Tiger is a live dealer version filmed in real-time from a live studio. 

What is the Difference Between Live Dealer and Virtual Baccarat

Live online baccarat is where players play the game with a live, human dealer instead of the usual RNG software used by other formats.

The game is filmed in Hi-Def at a live studio in real-time, and players can engage with the live dealer via text chat. 

Live Dealer Baccarat vs. RNG (Virtual) Baccarat

Live BaccaratPlaying with live dealers Not available in most casinos
You can play against other playersYou can’t control the game speed
Virtual Baccarat Game progress is faster – you have the controlNo interaction with human dealers
Better game graphics You can’t play with other players
Unique game formats are available Some games may feature old technologies

Live Baccarat games

Live dealer games allow players to play with a live, human dealer just as if they were in a land-based casino — but within a virtual environment.

Some popular live baccarat games include:

Virtual Baccarat online games

RNG, or virtual, games use random number generator software that ensures that all game outcomes are completely random and fair to all players. 

Some popular virtual baccarat games include:

Tips for Playing Online Baccarat

Here are our best baccarat tips to help put your best foot forward.

BancoBanco is a Spanish word that translates to ‘Bank’. This refers to the dealer during a game of Baccarat. Players bet against the dealer by calling ‘Banco’.
Banco PrimeWhen more than one player has called ‘Banco’ during a game, the priority is given to the player to the Banker’s right.
Banker BetThe Banker Bet has the best house edge out of all possible bets in Baccarat, with odds being very close to 1:1.
BanqueA French variant of Baccarat is played on two tables. The Banker sits in the middle and plays with one hand against two hands on each side.
BankrollThe amount of money that a player has allocated to play Baccarat with.
BurningAt the start of each game, the shuffled deck’s first three to six cards are discarded or burned.
CallerAn important role during a game of Baccarat. This person is a casino staff member who turns the cards, calls out game results, and deals out additional cards when required.
CarteIn traditional Baccarat games, players use the word ‘Carte’ when asking the dealer for another card.
Chemin De FerChemin de Fer is a traditional variant of Baccarat that originated in France and became very popular in the UK and the USA. It uses six decks of cards, and players can bet against each other. It is unique in having each player take a turn to act as a banker.
ChevalA specific type of bet is mainly found in European Baccarat. A Cheval bet is won when both active players win the bets. The bet is lost if both players lose the bet, and it remains intact if one player loses and the other wins their bet.
ChequesBaccarat which is played in land-based casinos utilizes special chips called cheques.
CoupA French word that is used to describe one round of Baccarat.
Deux TableauA French term that translates to ‘Two Tables’, which is another name for Baccarat Banque variant.
Discard TrayAny cards that are discarded during gameplay are placed in the discard tray.
Down CardA face-down card remains in that position until the play has been called.
Dragon BonusA type of side bet in Baccarat where a player will win if the chosen hand wins a round by at least four points.
Edge SortingEdge sorting is used in Baccarat to identify card values on the basis of tiny differences on the back of the cards that appear during the manufacturing process.
Face CardsIn Baccarat and other card games, face cards refer to Jacks, Queens, and Kings of any suit.
FadingThis casino term is used when placing bets against a person. In Baccarat, this is only applicable in land-based games.
Flat BetPlayers can place a flat bet during Baccarat when they want to wager the same amount, irrespective if the hand is a win or a loss.
La GrandeA French term for ‘The Big One’, describes the best possible hand in Baccarat which is a natural sum of nine.
La PetiteThis is the second-best hand in Baccarat which tallies to a natural eight and translates from French to ‘The Little One.’
LayoutEach Baccarat table has a special layout that highlights a series of boxes where players can place their bets on either the Player, Banker, or a Tie.
MonkeyPlayers in Baccarat encounter a monkey if they land a 10-value card, such as a face card or ten.
MuckThis is the discard pile where all used cards are deposited, including hands that have been folded.
PaletteDuring a game of Baccarat at a land-based casino, croupiers use a long wooden palette to move cards around the table.
Player BetThe Player Bet is one of the three main bets in Baccarat games, and it is the one with the second-best house edge at close to 1:1. Wagers are placed for the Player’s hand to win.
PuntoPunto is a term derived from punter and is used to describe the player.
Punto BancoPunto Banco combines the two main people in a game of Baccarat – the player and the banker. Punto Banco is the most common version of Baccarat, particularly in the UK and the USA.
PushThere are cases in Baccarat where bets are neither winning nor losing, so they are classified as push bets. The amounts wagered by players are ‘pushed’ and returned.

Learn how to play Online Baccarat

Baccarat is an easy an exciting game to play

Many people avoid the game of baccarat altogether because they fear it is too complex to learn. However, once you know the rules of the game, it is quite an easy and exciting game to play. 

How does Online Baccarat work?

Two hands are being played in the game: The Banker’s Hand and the Player’s Hand. Both hands have two cards each.  

The objective of the game is to have a hand closest to a total of 9 points without going over. Wagers can be made on either the Banker’s Hand or the Player’s Hand. 

Points in the game are allocated as such:

There may be times a third card may be dealt to either the Player or the Banker. This chart lays out those specific scenarios.

Types of Bets and Odds

Three types of wagers can be made playing baccarat:

Type of BetHouse Edge
Banker’s Hand1.06%
Player’s Hand1.36%

If you bet on the Banker’s Hand, a 5% “fee” is paid on any winnings. 

Baccarat betting systems and strategies

The general rule of thumb is that three types of bets are allowed. However, as you can see from this chart, some variations allow for side bets. All of these have different odds, payouts, and house edge.

Bet on the Banker

Betting on the Banker has the lowest House edge, which makes it the more reasonable choice for many players. However, it is important to remember that off every winning bet on the Banker, the House takes back 5% of your winnings

Bet on the Player

Comparatively, the House edge on the Player is not much higher than on the Banker. Also, there is no 5% “fee” on any winnings on these wagers; you get to keep everything

Bet on a Tie

Betting on a Tie looks like a good deal when seeking big payouts. But the odds are stacked against you, making this wager usually not the best choice.

How do they make online baccarat?

Online baccarat may not be as popular as other casino games, but some providers have dedicated time and resources to ensuring it remains an option in US online casinos. You can find games from:

Play Online Baccarat on Mobile

As more and more online casino players switch from desktops and laptops to mobile devices, online casinos are quickly optimizing their games to work on iOS and Android platforms. 

This allows players the convenience of being able to play from any device as well as any location of their choice. 

Find your next online baccarat at a mobile casino below. 

Online Baccarat – Next steps

Online baccarat can be a worthwhile pastime if you are willing to learn about the game first. Players can enjoy this game in the live and virtual format and on desktop or mobile devices.

Our casino reviews offer information on the available baccarat games in US casinos. You can enjoy the games listed in the free games mode to find out if you like them.

Frequently Asked Questions

Online baccarat remains one of the most popular offerings in any casino. You’ll find baccarat practically any online casino, with a number of variations and themes. For players who want to relax and have a good chance of winning some money, online baccarat is the perfect game.
The only real strategy is to always bet on the banker. This will give you the best odds at all times. Whatever you do, avoid betting on the tie.
All games that you play with a legal online casino are monitored by the state's gaming authority. That means they're checked to be sure that the games are properly random. The software uses a random number generator (RNG) to make sure that the games are legit and random.
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