Best Online Baccarat Sites for U.S. Players

Online gambling is a fantastic hobby to take up. Playing baccarat online for real cash is one of the most popular games throughout top U.S. casinos. Whether you’re a beginner or a seasoned player, we at have made it our mission to provide you with the best, and most practical, up-to-date information out there. From top sites to playing guides, we’ve got everything you need to become a baccarat pro.

The Ultimate Guide to Playing Baccarat Online for U.S. Players

Baccarat is both a legend and a classic at the casino. It’s James Bond’s game in Casino Royale. For most, it evokes an image of European elites in a fancy casino. But baccarat is easy, fast-paced, and great if you’re a new player. There’s even a myth out there (confirmed by some historians) that the idea of baccarat goes back to an Etruscan custom where potential sacrifices tossed a 9-sided die – rolling a 9 would instantly make you a high priestess, while rolling a 6 or 7 led to exile.

Modern baccarat is played with decks of cards and is similar to blackjack – except that the face cards have no value and the best hand you can get is a 9.

What You’ll Find in this Guide

If you think you have what it takes to cut the deck and channel your inner 007, give online baccarat a try. Real money baccarat relies heavily on luck and betting strategy, but requires almost no decision making on the part of the player. So what are you waiting for? The links on our top casino list will get you the top bonus deal currently available for baccarat, so if you’re ready to play, now’s the time! 

In this guide:

  • Top online casinos for Baccarat in the U.S.
  • How to play baccarat on your mobile device
  • Commonly answered questions about online gambling and baccarat
  • Baccarat play guide, including:
    • Card values
    • Types of Baccarat table games
    • How to place wagers
    • Game rules and strategy
    • Odds & house edge
  • Playing tips for all skill levels
  • Terms you should know

Top 10 Baccarat Games from Popular Casinos

All casinos have been thoroughly researched and vetted so that you can play without worrying about a thing!

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Play Baccarat on Your Favorite Mobile Device

If you prefer to play baccarat on your mobile device, be it your Android, iPhone, or tablet, the good news is that almost all casinos have adapted their games. As long as you’ve got a strong internet connection, you can gamble for real money from your mobile phone. Simply go to the browser and log in to your favorite casino, and you’ll see that you can play a mobile version of almost any game. 

Mobile gaming is the future of all online gambling. Casino game providers like NetEnt and Evolution Gaming take great care to optimize games for mobile use, so you can get hundreds of table games that are excellent quality on your phone.

All the Top Casinos for U.S. Players, Ranked and Rated by Experts

Since iGaming is so new to America, many people are still hesitant to try online gambling for real money. At, we want to make it easy to get started. We’ve picked out the choice casinos according to a strict checklist, and you can rest assured that your information is safe when you choose a licensed and well-rated online casino

All of the casinos on our list are ranked by:

  • Licensing and certification

Online gambling is live and legal in many states throughout the U.S., which means that casino companies have to have a license in order to operate. They are overseen by the local Gambling Commission in the state (or country) where they are based. Establishments that don’t meet the requirements are quickly blacklisted.

  • Security

Security is the top issue when online gambling. When dealing with sensitive information, you want to be sure casinos use RSS encryptions to keep your information safe.

  • Fairness

Licensing and fairness go hand-in-hand, but we go further and cross-reference customer complaints and reviews to make sure that casinos we recommend are operating at their highest quality. Casino games are not rigged at reputable institutions.

  • Customer Service

All top casinos on our list have excellent customer service reports.

  • Easy-to-Use Interface

It should be easy to log into a casino and find the game you’re looking for. We chose online casinos that are known for their easy-to-operate game lobbies and simple instructions.

  • Fast and Easy Payouts

It should never be an issue when you’re ready to collect your winnings from a casino, a process known as cashing out.

Baccarat Gameplay Rules

What makes baccarat so simple is that there are only three outcomes: the player can win, the bank can win, or they can tie. As such, gamblers put money on any of these outcomes. Like most casino games, baccarat is a game of luck. 

The game starts with you placing a wager on which hand you think will win. Then, two cards are dealt face-up to both the player and dealer. Card value is tallied for you on the screen. If you got lower than 6 you will automatically be dealt another card. Some games may give you a choice to hit or stand, though usually, the game does it for you. 

If you get a 6 or 7 in your first hand, you’ll be forced to stand and wait to see whose hand got the highest value. If the bank’s hand beats yours, they win. If you tie (hands have the same value, like a draw in blackjack), no one wins and the money is returned. You may get lucky and get the magic number – 8 or 9 is an automatic win.

Card Values in Baccarat

You may have noticed that card values are low, considering the winning hand is 9. Here’s how the cards break down in baccarat:

  • Aces always count as 1. 
  • Numerical cards 2-9 are taken at face value.
  • All face cards (kings, queen, jacks) are worth 0.

Suits are irrelevant when it comes to card value. When you count the cards in your hand they’ll always add up to a single digit – after 9 comes zero, one, two, etc. For example, if a player is dealt a 2 and a 9, that hand is worth 1. If the player gets a 6 and an 8, that hand totals four. The easiest way to think of it is to drop the tens value – so if 6 plus 8 is 14, you drop the tens and see that the value of the hand is four. For simplicity, remember the three above rules and you’re golden.

Odds and House Edge

Another great reason that players should choose baccarat is that this game has particularly great odds. Known for having a low house edge, gamers can really milk this game if they can play well!

House edge refers to the calculated percentage the casino takes from all winnings – it’s the mathematical edge for the casino that’s built into every game. Certain games are known for having a lower edge than others, like baccarat, blackjack, and roulette. The house edge in baccarat is 1.06% towards the dealer’s hand, and 1.24% on the player’s hand.


Common Bets in Baccarat

You will have three betting options when you play standard online baccarat for real cash. You can wager on your hand, the banker’s hand, or a tie. The betting areas will be clearly marked on the screen for you. Bets must be placed before hands are dealt. The three common bets are:

  • Player – Player gets to 9 or highest hand.

Payout: 1/1

House Edge: 1.29% (Single Deck), 1.24% (6-Deck)

  • Banker – Dealer gets 9 or wins with the highest hand.

Payout: 19/20

House Edge: 1.01% (Single Deck), 1.06% (6-Deck)

  • Tie – Both the banker and player have the same total.

Payout: 8/1

House Edge: 15.75% (Single Deck), 14.44% (6-Deck)

Side Bets in Baccarat

To make baccarat more exciting online, many games offer plenty of options for side bets. Side bets are another way to win, and each wager will have its own set of risks and payout. Common side bets are:

  • Player pair – When the player’s first two cards make a pair. The payout is 1/1.
  • Banker pair – This bet is won if the first two cards dealt to the banker are a pair. The payout is 11/1.
  • Perfect pair – When the first two cards are dealt to the banker or player form a pair of the same suit. The payout is 25/1 here.
  • Either pair – The first two cards dealt to either the banker or player form a pair. The payout is 5/1.
  • Small – The total of cards dealt in a game is 4. The payout is 1.5/1. 
  • Big – When the total of cards dealt is 5 or 6. The payout is 0.54/1.


Variations of Baccarat

There are several variations of baccarat, and since it’s become wildly popular on the internet, there are always new things being added to baccarat table games. There are a few common baccarat types that you’ll see at both online and brick-and-mortar casinos.

Punto Banco

This is the most common form you’ll see these days – it may even be known as “classic” baccarat throughout many casino game lobbies. The main feature of this game is the three most common bets – the banker’s hand, player’s hand, or a tie. 

Chemin de Fer

The French version of baccarat, popular throughout Europe. It looks similar to Punto Banco, but there’s more to the strategy aspect. The banker can decide whether to take a third card. Remaining competitors wager against the banker and select a representative. This player decides whether to take a third card or not. The general rule is that most individuals will elect to ask for another card if their hand value is 0-4 and choose to stand when their hand is a 6 or above.

Baccarat Banque

This version is popular throughout Europe. It’s very similar to Chemin de Fer, except that just a single player gets to take on the role of the banker. In Chemin de Fer, participants take turns.

Live Baccarat

One of the best live online casino games, live baccarat gives hobbyists a more realistic casino experience. You can watch an actual dealer at a table shuffle and hand out cards. All of this is filmed in real-time and broadcast straight to your computer screen. You can chat with the banker and other gambling enthusiasts from around the world. Live games are the future of online casinos – a great example of how technology has invigorated iGaming.


Baccarat Betting Strategies

Playing with a betting strategy in mind is something most hobbyists do. However, you should know that these strategies aren’t guaranteed. The jury is out on whether or not they work. Some expert gamblers rely on them, while other casino enthusiasts argue that betting strategies are wishful thinking. It’s hard to rely on simple luck! Many individuals want some strategy while they play.


One of the oldest betting strategies around. The idea of the Martingale bet is used in many games, including roulette, blackjack, and craps. It stipulates that players should wager the same amount again after they win, and double their bets when they lose. 

For example, if you bet $5 on a hand and lose, on the next turn you’ll bet $10. If you lose again, you bet $20, then $40, $60, etc. So, when you do finally win, you’ll have offset your losses and made a profit. 


The Paroli method has also been around for hundreds of years. Unlike the Martingale, the Paroli method is based on a positive betting progression. In this version, you stick to the same amount when you lose and double the amount when you win. 

As the theory goes, you can easily win big if you win three or four turns using this betting method. Some players like to use this method for three turns while others use it continuously throughout the game. It depends on how much of your bankroll you’re willing to spend.


This is very popular in baccarat and roulette. The Fibonacci number sequence is often referred to as nature’s numbers… and gamblers have adapted it to its best effect. This is the well-known number sequence where each number is the sum of the previous two. For example: 1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89, 144, 233, 377, etc. Using the Fibonacci method, you progressively bet according to the sequence, going back two spaces after a win. For example, you bet $1 and lost, so you bet another $1 and lose, then you bet $2 and lose, on the next turn you wager $3 and win – so you go back two spaces and bet $1 again and repeat the progression.

Bonuses for Baccarat

Casino bonuses are important in internet gambling. Casino bonuses are there to entice participants… but a smart player knows how to take advantage of these incentives. You may encounter a specific bonus for baccarat, but most casino bonuses can be applied to every game. Here’s everything you need to know about receiving a bonus.

  • Sign-up bonus – This is usually a low amount, a free $5 or $10 that can be used to make a wager on any game (a no-deposit bonus). You can receive it once you’ve completed the sign-up process, including clicking the confirmation link in your email. 
  • Deposit bonus – This type of bonus is the motherload. It’s what all gamblers try and take advantage of. Many casinos will give you anywhere from $100-$500 for completing their first deposit requirements. You will have to deposit a certain minimum, which the casino will advertise to you. Once you’ve done that, you can claim the deposit bonus. This cash can be used towards baccarat bets or any other game.
  • In-game bonuses – Some versions of baccarat (and other casino games, like slots) will give you bonuses as you play. Once you’ve spent a certain number of chips, you may get a few extra added to your bankroll. Or you may hit a combo that triggers a mini-game, or an extra turn.


Glossary of Common Terms

As you start playing baccarat, you may come across some terms you’ve never seen before. Don’t worry, it takes almost no time to pick up on the lingo. Here’s a guide to help you out.

Baccarat – The worst hand you can get in Baccarat. The word itself means zero in Italian. 

Banco – The Spanish word for banker. In this game it refers to the player who deals the cards.

Banker bet – Considered the most optimal bet you can make in baccarat. This is when the individual bets on the dealer’s hand.

Bankroll – The amount of money you plan on using to gamble.

Carte – French equivalent of ‘hit me’.

Chemin de Fer – It is the formal name for what’s known as European baccarat. In this version, players take turns acting as the dealer. It’s rarely played in American land-based or online casinos.

Commission – A small fee that casinos take from winnings, also known as the house edge.

Coup – A hand or turn in baccarat is also known as a coup.

Credits – Most online casinos refer to your chips as credits, which have a monetary value.

Flat bet – A consistent bet made by a player without any fluctuations. 

High Roller – Someone who is consistently making large wagers.

La Grande – A French term meaning “the big one,” referring to scoring a 9 in the initial hand. 

La Petite – Refers to getting a hand of 8 as the first two cards are dealt, meaning “the little one” in French.

Natural – When the first two cards add up to 8 or 9.

Pass – A win in the game.


Frequently Asked Questions About Online Baccarat

Check out this FAQ before you play, so you can go ahead and start gambling with real money with outstanding information on your side.

Q: What is online baccarat?

A: It’s one of the most popular casino games of all time. Similar to blackjack, except the goal is to get a hand worth 9 to win. Face cards are worth zero and number cards are true to their value. Gamblers have the option of wagering on their own hand, the banker’s hand, or a tie.

Q: Where can I play online baccarat?

A: This is a top-rated game, so any reputable casino will have dozens of versions of baccarat. Some of the leading online casinos include Bovada, Wild Vegas, and Ceasar’s. Game providers like Evolution Gaming, Extreme Live Gaming, and Playtech are known for game design so watch out for these developers as you scroll through the casino lobby. Most games are all rights reserved, so companies keep new creations original.

If you’re looking for free baccarat, you can easily practice a few rounds in our game lobby.

Q: How do I play online baccarat?

A: Once you’ve signed up at a casino and gone through the formalities, you can choose a baccarat game and start playing. Baccarat is you playing against the dealer. The first thing you’ll be asked to do is place your bet. You can wager on your hand, the dealer’s hand, or a tie. Once that’s done, the banker will deal two cards face-up for themselves and the player. The first hand to reach 9 wins. Players are dealt a third card if their initial total is lower than six, and if no one gets 8 or 9 (winning hands) the highest hand wins.

Q: Can casinos cheat in online baccarat?

A: Reputable and licensed casinos do not cheat in baccarat or any other game. They are overseen by a government commission that regularly tests their fairness algorithms. Of course, there are plenty of un-licensed scammer websites out there, so before you gamble anywhere, check the casino blacklist. The casinos there may cheat you, but a legitimate and well-rated casino won’t. Most casinos are multi-billion dollar companies that have been around for decades and want to do everything possible to stay licensed.

Q: What variations of baccarat are available in the US?

A: All variations are available in the U.S., but Punto Banco is the most popular. It’s known as American baccarat and is usually what most casinos refer to. Chemin de Fer is the French version, widely played across Europe. Unfortunately, it’s popularity hasn’t really spread to the U.S. En Banque is another popular European version that hasn’t quite captured American gamblers. You can also play live baccarat, which is a more realistic casino experience for online gamblers.

Q: What are the odds in baccarat?

A: The odds for a player’s hand to win in baccarat are 44.62%. The odds of the banker’s hand winning are 45.85%. The odds of a tie in baccarat are 9.53%. House edge in this game is notoriously low, ranging from 1.06%-1.36%. 

Q: Is baccarat good for beginners?

A: Absolutely! With simple rules and few bets to remember, any newcomer will enjoy this exciting and fast-paced game.

Q: What is the best bet?

A: Most baccarat enthusiasts will agree that betting on the banker to win is the most profitable bet. It pays out the most, and therefore will help cover any losses so that you can turn a profit.

Q: Can you count cards in baccarat?

A: In a land-based casino, yes, card counting in baccarat is a strategy. They make it difficult by burning the first three cards in every deck used, but good mathematicians can usually beat the system. In online baccarat, and blackjack, it’s almost impossible to card count. The game moves too quickly and all decks are shuffled before every turn, which takes out most of the point of card counting. Online players prefer betting strategies to card counting.

Q: Where can I play for baccarat for free?

A: If you’re looking to practice before you wager with real money, every casino has demos or a free game lobby once you’re signed up. If you don’t want to create an account anywhere, you can play free baccarat right on

Q: Why do high rollers like baccarat?

A: Baccarat has a low house edge – meaning they don’t take as much from the overall winnings. High rollers bet a lot, and therefore the house edge is a burden in most games. High rollers prefer baccarat simply because it pays out more. 

Q: Is the player or banker bet a 50/50 chance?

A: Almost, but not quite. Betters have a third option: a tie. Betting on a tie will pay out 8/1, but the odds are less than 10%. Betting on the banker will get you the biggest payout, and there’s a 45.85% chance of the dealer winning.

Q: Is baccarat based on luck?

A: Like most casino games, yes, baccarat is based on luck. Online, luck refers to an RNG generator – an algorithm that generates luck, and makes sure the game pays out occasionally and fairly. Most gamblers rely on a betting strategy to help them win more in baccarat. 

Q: How does live baccarat work?

A: Live baccarat, and live casino games in general, are a more fun and modern way to gamble. Players will “enter” a room and “sit” at a table to play baccarat with a real dealer. The dealer and table are being filmed and broadcast live for players all around the world to enjoy. The player can chat with the dealer and other gamblers. It’s a little more slow-moving than a totally digital version of the game, but many people like to feel like they are sitting in a land-based casino, enjoying a baccarat game.

Q: Is online baccarat legal in the US?

A: Legality is complicated in America because different states have different rules. Federally, gambling is not illegal. The ban on internet gambling was struck down two years ago. Since then, some states have passed laws specifically allowing online casinos (New Jersey, Delaware, Pennsylvania). Other states have not taken action yet. Only two states ban online gambling entirely – Alaska and Hawaii. Most states are expected to legalize online gambling within the decade. However, just because your state hasn’t legalized it, doesn’t mean it’s illegal. Usually, casinos are not allowed to operate in states where gambling isn’t legalized. Gamblers are not prosecuted for playing online baccarat, so you can feel free to play without worrying.

Q: Is there any skill in baccarat?

A: Not really. Casino baccarat is based on luck, so the best gamblers can do is try and manage their bankroll with betting strategies. Baccarat is a great real money game for beginners and experienced high-rollers because the house edge is low and the odds are good. You don’t have to worry about other players or making difficult decisions like in certain high-skill casino games. Baccarat is simple and fun for any skill level.


Gambling Responsibly and Legally in the US

Legality is a gray-area issue in the United States. While the federal government struck down an internet gambling ban down two years ago, not all states have created laws regulating iGaming. States with legal online casinos are:

  • New Jersey
  • Delaware
  • Pennsylvania

You can play in one of the many legal casinos operating out of these states, though you may be banned if you’re outside of their area. Many others have legalized sports betting, mobile casinos, horse track betting, and even online lottery. Only two states have completely outlawed online gambling: Hawaii and Alaska.

If you live in a state where gambling isn’t clearly legal, don’t fret. States only prosecute illegal casinos operating out-of-bounds. Licensed casinos are based in states or countries where gambling is clearly allowed. As long as you’re following tax laws, you can log into any casino that will accept you and start playing. Not all casinos allow individuals from outside their region, and use your computer’s location to track you. However, many casinos accept players from anywhere in the states, so you can play without worrying.

A Note on Gambling Responsibly

We love gambling, but we also acknowledge that it can become a serious problem for many individuals. Online casino games are meant to be fun and lighthearted. If they stop being fun, you should stop playing. If you find yourself becoming addicted and consistently betting more than you should, we recommend reaching out for help. Read more on our responsible gambling page.


Feeling Bold Enough for Baccarat?

If you’ve read through our playing guide and practiced with some free baccarat in the game lobby, you may be ready for the real thing. Choose from any of the top casinos on our list and get the best bonus offers currently available!