Best US Real Money Online Baccarat Casinos in 2025

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Baccarat has long been popular in fancy casino areas. It's appealing because it has a low house edge, meaning you have a good chance of winning. Now, you can play baccarat online or live with our helpful guide.

Betting on baccarat is easy. You choose whether to bet on "player," "banker," or "tie" for each round. There are some complicated rules about how the cards are dealt, but the dealer takes care of that when you play. Some versions of baccarat have simpler rules, like Punto Banco.

You can play baccarat online either against a computer or with live dealers. But remember, you can only do this if you're in a place where it's legal to play casino games for real money.

Our guide gives you everything about baccarat, including how to place bets and the rules. We'll show you how to play online baccarat and share strategies for making smart bets.

A dealer hands out cards in baccarat, and players bet on the outcome. The dealer's position changes in different versions.

Before cards are dealt, players bet on a player, banker, or tie. You can pick any of these options.

The chances of winning are:

• Player: 1.24%
• Banker: 1.06%
• Tie: 14.36%

The tie option has the worst odds.

Each hand gets two cards. Cards have different values:

• Regular cards are worth their number value.
• Face cards (like kings) are worth zero.
• Aces are worth one.
• If the total goes over 10, ten points are taken away.
• If a hand has 8 or 9 points, it's called a "natural," and no more cards are dealt.

If not, more cards might be dealt based on certain rules:

• Players might draw another card if their total is low.
• Bankers might draw another card based on the player's draw and their total.

You don't need to know all these rules to play.

To play online baccarat, you just decide whether to bet on a player, banker or tie.

If you love playing baccarat or are just starting to explore online gambling, we've collected a list of great websites where you can enjoy the game without going anywhere.

At Casino.com, our reviewers are also players. They know much about casinos, so they check out baccarat casinos online. They look at what baccarat games are available and how good they are.

• Security & Fairness: Your money and personal information should be kept safe when you gamble online. We ensure that casinos use SSL encryption to protect your data. We also check if they have the right licenses and if independent experts check their games to ensure they're fair.
• Bonuses: Getting a bonus can give you more money to play with. Good casinos offer bonuses and special deals for loyal players.
• Quality Games & Software: A good online casino should offer many different baccarat and other games. It's also important that the games work well on phones and tablets.
• Mobile Options: Playing baccarat on your phone should be easy. Good casinos have websites that work well on all devices and might even have an app you can download.
• Customer Care: Casinos need to help their players. We expect good customer service to be available in different ways, like through email or live chat.
• Banking & Payouts: It is important to be able to put money in and take it out easily. We like seeing many banking options and quick withdrawals without long waiting times.

More and more states are making rules for online gambling. Some states have legal sports betting, and a few have online casinos or are working on them. You can now play baccarat online in New Jersey, Pennsylvania, Michigan, or West Virginia.

There are two ways to play online. One is using computer software. These games are quick and easy; you can play with small amounts of money or just for fun.

Some online casinos also have live dealer games. They stream these games from real casinos, and you can play against a real dealer.

Different states have different rules for online casinos. Usually, you have to be at least 21 years old to play. You don't have to live in the state where the casino is, but you do have to be there when you play.

All legal casino apps check where you are to ensure you're in the right state.

In places where online casinos are allowed, they offer different bonuses to attract players. However, these bonuses might not be the best idea if you like playing baccarat.

That's because baccarat has really good odds for players, so casinos usually don't count it much when you're trying to use up a bonus.

Instead, it's better to use the bonuses for games like slots, where you have a better chance of winning. Then, you can use the money you win to play baccarat.

Online baccarat has come a long way from its basic form. Now, there are many different types to play, suiting different preferences. These variations make the game more fun and offer new challenges. Some popular ones include:

🟨Punto Banco

In this common version of online baccarat, players bet against the banker to get close to nine without going over. They can bet on themselves, the banker, or a tie. The game uses eight decks, and players and the banker get two cards each. If a player's total is less than five, they can draw another card. Winning bets on the player pay 1:1, the banker 95:100 with a 5% house edge, and a tie 8:1.

🟨Chemin De Fer

In this version, players bet against each other instead of the banker. The casino doesn't invest in the game. Players take turns being the banker, moving around the table counterclockwise. This means more risk for each player because the banker has to cover the other players' bets.

The game uses six decks of cards. In each round, one player and the banker each get two cards. Players can get another card if their total is under five.

If you bet on yourself and win, you return what you bet. But if the banker wins, they get a bit less because they have to cover the other players' bets. The bets stay on the table for the next round if it's a tie. The banker has a 5% advantage when they win.

🟨Baccarat Banque

In this version, players bet against the banker, not each other. The casino always has a stake in the game, and players don't take on extra risk as the banker. The player who bets the most becomes the banker.

Baccarat Banque uses three decks of cards. Both the player and banker get two cards. In some cases, three hands are dealt, two for the player and one for the bank. Players can get another card if their total is less than four.

Instead of betting on a tie, players can bet on either the other player's or the banker's hand.

Payouts in Baccarat Banque are standard, with 1:1 for a winning player hand and 19:20 for a winning banker hand, with a 5% house edge.

🟨Mini Baccarat

This is a quicker version of the full game with no drawing or standing. Players bet on the player, banker, or tie. The dealer shuffles the cards, and the game is played for lower stakes, making it easier for players.

Like the regular game, winning bets on the player pay 1:1. If you bet on the banker and win, you get back slightly less because of the house edge. Tie bets pay 8:1.

🟨3-Crad Baccarat

In this fast game, played with one deck, the goal is to get the highest hand score, not necessarily close to nine. The player and banker get three cards, with no chance for more.

Some casinos subtract 10 from scores over nine, while others keep them as they are. A winning hand usually has the most face cards, with points used to break ties.

Winning player bets pay slightly less than even money (97:100, with a 3% house edge). A winning tie bet pays 25:1. If you bet on the dealer's points and get it right, you win 8:1.

🟨European Baccarat

In this version, players can keep their hand as it is or draw another card if it's worth five. The banker can also draw a third card anytime. The casino funds the banker, so if one player covers the banker's money, others can't bet in that round.

If the player or banker wins, they get the same bet amount. But if the banker wins, they get slightly less because of the house edge. Tie bets pay 8:1.

🟨Macao

Like punto banco, players in this game try to get a hand as close to nine as possible with two or three cards. But players can only bet on their hand winning, not the banker's. In Macao, if a player's score goes over nine, they lose the game (in other versions, scores over nine are reduced by 10).

The game uses two decks of cards. Players take turns being the banker, moving clockwise around the table. If you get a natural nine, you win 3:1; for a natural eight, you win 2:1. All other winning hands pay 1:1.

🟨Dragon Tiger

This is a simpler version of baccarat, played like punto banco. Each player and banker (called dragon and tiger) gets just one card. The goal is to have a higher card. Players bet on which card wins or if it's a tie. There are extra bets, too, like betting on a suited tie.

If you win a bet, you get back what you bet with a 3.73% house edge. Tie bets pay 8:1, but they have a high 32.77% house edge, so be careful.

Like other casino games, betting strategies can help you lower your losses and win more. Below are a few examples you can try in your next online baccarat game. These strategies usually focus on betting on the player because they pay 1:1. Betting on the banker has a house edge.

Martingale: In the Martingale system, you double your bet after a loss and go back to the minimum bet after a win. The idea is that eventually, a win will cover your losses and make a profit. But you need a big bankroll and watch out for betting limits.

• Labouchere: With the Labouchere system, you decide how much you want to win and list numbers to reach that goal. You add the two end numbers together to make your first bet. If you win, you cross off those numbers. If you lose, you add that amount to your list. But be careful; you're betting more when you lose.
• 1-3-2-6: The 1-3-2-6 system means you increase your bet after each win, following the sequence. If you lose, you start over. This is meant to maximize wins and minimize losses, but you'll lose a bit if you lose the first two bets.
• 1-3-2-4: Like the 1-3-2-6 system, the 1-3-2-4 system increases your bet each time you win and returns to the original amount after a loss, but with smaller increases.
• One-sided: In the one-sided strategy, you consistently bet on the player or the banker. The idea is to break even or profit by following the ups and downs of one side's luck.
• Paroli: The Paroli strategy doubles your bet each time you win and returns to the original amount after a loss. But be cautious, as you might lose if you push your luck too far.
• Fibonacci: Your bet is based on the Fibonacci sequence when playing Fibonacci for Baccarat. You increase your bet after a loss and return two steps after a win. But remember, you'll be betting more if you lose.
• d’Alembert: With the d’Alembert system, you increase your bet by one unit after a loss and decrease it by one unit after a win. Decide how much one unit is for you and follow the rules.

Ready to play baccarat online? Here's how to get started:

1. Pick your online casino(s) and either download the app or visit the website.
2. Sign up by giving your info.
3. Turn on location services on your phone or get a geolocation plugin on your computer if needed.
4. Put money in your account. Remember any bonus offers.
5. Find the baccarat game you want and click to start. It might take a bit to load the first time.
6. Place your bet and hope you win!
7. It's easy! Try signing up at different casinos to get bonuses and access more games.

Many players prefer the excitement of betting in person, so they enjoy live baccarat. In this game, real dealers stream the action from a table. Players can watch the game unfold in real-time, talk to the dealer, and bet on actual cards being played. Our top live baccarat casinos offer a variety of dealers and baccarat options.

The odds and payouts for online baccarat may change depending on where you play or the type of game you pick. Usually, though, they stay similar to what we've talked about. Sometimes, you'll see the Banker bet's payout listed as .95:1 because the casino takes a small commission when you bet on the Banker and win.

Baccarat is popular with high rollers because it has a lower house edge. However, different rules and payouts can affect your chances of winning.

One important tip is to avoid the tie bet. Even though it pays more, it usually has a high house edge, sometimes over 20%.

Compare that to the player and banker bets, which have a much lower house edge, around 1%.

Here are the typical house edges:

• Player: about 1.24%
• Banker: about 1.06%

Baccarat tables often have higher minimum bets than other games. This is because of the low house edge.

Casinos try to balance the low edge with the cost of running the game. Some casinos offer side bets, like betting on pairs or pairs of the same suit. These can be fun, but they usually have high house edges, often over 10%.

Baccarat has a long and fascinating history. It's believed to be one of the oldest casino games, possibly invented by an Italian gambler named Felix Falguiere in the Middle Ages.

While its exact beginnings are uncertain, written records of the game date back to the 19th century when it was popular among French nobles.

In the late 1800s, as Europeans traveled to America, baccarat made its way to the USA. However, it wasn't until the 1950s that it became popular in casinos, with variations like punto banco, baccarat banque, and chemin de fer becoming common.

Today, you can find many different versions of baccarat in both land-based and online casinos. Most online casinos offer various baccarat games, including live dealer baccarat, a favorite among players.

Baccarat isn't as popular as roulette or blackjack, but it still has fans. You can play baccarat in special high-stakes areas of casinos or in a simpler version called "mini bacc" on the main floor.

The game has three possible outcomes: the player wins, the banker wins, or a tie. You can bet on any of these. The casino's advantage is small, especially if you bet on the banker.

Tie bets are risky because the casino has a big advantage. Experienced players usually avoid them. Sometimes, there are extra bets you can make in the game.

The rules for dealing cards can be complicated. It depends on what cards are already on the table unless someone gets a "natural" (an 8 or 9).

If you like baccarat, check out the new online versions with live dealers in states where online gambling is legal. It's like being at a real casino, with a person dealing the cards, and you can place bets online.