Online Baccarat for Real Money in USA Online Casinos

Online Baccarat for Real Money in USA Online Casinos

Modern technological advancements have made it possible for baccarat lovers to play the game from the comfort of their homes and enjoy the action through their desktops and mobile devices. Although not as common as other table games like roulette and blackjack, online casino baccarat in the USA has steadily risen in popularity in the last few decades. Thanks to its wider accessibility and the game no longer being reserved for the elite and high rollers, most online casino players have shown increased interest. 

Additionally, baccarat is considered one of the easiest table games to learn and play as it requires no special skills. If lucky, you can win at a real-money baccarat table with little to no experience. Nevertheless, there are basic gameplay rules that you must learn before risking your hard-earned cash. This article will give insight into the game’s standard rules, a brief overview of the game’s history, the different baccarat variations, odds and payouts, and some helpful winning tips and tricks, among other relevant information.

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Oliver G. Written & published: 17.05.2023 By author Oliver G.
Brad I. Reviewed & updated: 09.07.2024 By gambling expert Brad I.

About online baccarat

When it comes to the history of baccarat, the true origin seems to be somewhat unclear. To begin with, some researchers believe that the game was invented by an Italian casino dealer named Felix Falguierein during the mid-15th century, and it was initially referred to as “baccara,” an ancient Italian name meaning “nothing” or “zero” because all the tens and face cards were worth zero. On the other hand, according to some historians, soldiers returning from the Italian conflicts during the 17th century introduced the game in France. During this period, the game got its French name, “baccarat.” Over time, the game gained popularity and spread throughout Europe, becoming a well-known game in France during the 17th century. Different baccarat variations emerged, and one of the most popular variants, “Chemin de Fer” (French for railway baccarat), became a favourite among the French elite and King Charles VIII.

Regardless of the rocky history, most game experts agree that the game originated in Italy and France and spread to the United Kingdom and the United States. Thanks to technological advancements, the first online casino games, including baccarat, became available, and players could now enjoy the game from the comfort of their location. Additionally, to appeal to online players worldwide, top online casinos offer numerous baccarat variations that feature different winning odds and payouts. Furthermore, due to the game’s high RTP, most high rollers worldwide are drawn to it.

Online baccarat interface

  • Online baccarat interface
  • Online baccarat interface
  • Online baccarat interface
  • Online baccarat interface

Online baccarat card rankings

Top online casinos that offer baccarat titles use six or eight decks with 52 cards. However, unlike many casino card games, the Joker cards do not appear in a baccarat game. Moreover, all the playing cards in this game have different values, which are used to calculate a player’s hand value during gameplay to determine the winner. For instance, all tens and face cards, such as Jacks (J), Queens (Q), and Kings (K), are worth 0 points, and the Ace is valued as one. On the other hand, all numbered cards (2-9) are worth their face value, i.e., a four is worth its numerical value of 4, a five is valued as 5, and so on. In a baccarat game online, the winning hand is the one whose card values add up closest to 9.

Suppose during a game round, a hand’s total value exceeds 9. In that case, the rightmost digit determines its value. For instance, a hand consisting of 7 and 4 equals 11, which means the hand’s total value is 1. That’s because you’ll drop the leftmost digit (1) and have a hand value of 1. In addition, if the Player’s or Banker’s hand value on the first two dealt cards is 8 or 9, it’s called a natural. If there’s a natural hand, the game round will end, and all bets are collected or paid out.

Rules of online baccarat

Although it’s considered a sophisticated game, playing baccarat online for real money is straightforward, hence remaining a favourite among players who appreciate its simple and exciting gameplay. As previously stated, the baccarat game online is played with six or eight decks of 52 cards, and its primary objective is for the winning hand to get as close to nine points as possible. The game features three main betting options, but the most common ones are Player (punto) and Banker (banco). During a game round, players must bet on which hand they think will be the winner, i.e., the Player’s or the Banker’s hand. Additionally, you can bet on a tie (having the same total value) between the Player’s and the Banker’s hand, which usually pays out at a higher rate (often 8:1) than the other two bets, but this depends on your playing variant.

Game interface

A standard land-based baccarat table hosts up to 14 players, but the virtual table in online casinos usually features no limit since you only play against the software. Nevertheless, the game’s rules remain unchanged regardless of the number of participating players. The table is usually split into three sections (Player on the left side, Banker on the right, and a smaller section in the middle section for tie bets). Depending on your playing variant, you can see your account balance, the total bet amount for each round, the bet limits, playing chips with different values, and a “Deal” button. Furthermore, you can access the game’s rules, sound settings, history, and paytable through the help menu. Luckily, top online casino sites offer baccarat titles in demo mode, allowing you to familiarise yourself with the game before beginning real money gameplay.

How to play online baccarat

Before beginning each game round, you must place your bet by selecting the corresponding chip value and setting it on the betting area of your choice (Player’s, Banker’s, or Tie). Once you’re done making your bet, click the ‘Deal’ button, and the software will deal four cards face up, two to the Banker’s hand and two to the Player’s side.

Depending on the total hand value of the Player’s first dealt two cards, a third card may be drawn to the Player’s hand, i.e., if the player’s hand total is five or less, they are dealt an extra card. Additionally, if the Player scores a total of 6 or 7, the hand will stand (not draw a third card). Notably, if the player receives a third card, whether the Banker hits or not depends on the value of the Player’s third card. Please note that the rules for drawing a third card are preset and don’t require your decision. After the cards have been dealt, the hand with the total card value closest to 9 is declared the winner. On the other hand, if both hands have the same score, it’s considered a tie, and non-tie (Banker and Player) bets are returned (pushed). All winning wagers are paid out according to the paytable.

Banker’s third card rules

These rules determine whether the Banker’s hand will receive a third card or not (Hit or Stand), depending on the Player’s total hand value of the first two dealt cards. Below is an outline of the set rules.

  • To begin with, suppose the Banker’s total hand value is 2 or less. Then, the software will draw a third card for the Banker in that case. 
  • Furthermore, if the Banker’s hand value is 3, they’ll draw a third card unless the player’s third card is an 8.
  • If the Banker’s total is 4 and the player’s third card is a 2, 3, 4, 5, 6, or 7, they’ll also draw a third card.
  • Moreover, suppose the Banker’s total hand value is 5, and the player’s third card is a 4, 5, 6, or 7. In that case, the Banker will draw a third card.
  • In addition, if the Banker’s total is six and the player’s third card is a 6 or 7, the software will draw a third card for the Banker.
  • Finally, if the Banker’s total is 7, they’ll stand.

Online baccarat variations

Baccarat is an ideal game for novices and seasoned players since the rules are easy to understand. Over time, the game has gained popularity, and online gambling software providers have designed different variations to maintain the player’s attention. However, the variant (s) you get entirely depends on your choice of baccarat online casino. Some popular online baccarat versions you can find in real money USA online casinos include Punto Banco, Mini Baccarat, No Commission Baccarat, 3D Baccarat, Baccarat Squeeze, etc. Below is a highlight of the most popular variants you can play in the best online baccarat casinos in the US.

  • Punto Banco

    Also known as American baccarat, this is the most popular and widely available variant in online casinos as it resembles the classic baccarat table at land-based casinos. Therefore, the game is played with the same standard rules discussed above. Punto Banco has three main bets, but only two are mainly used, i.e., the Player (punto) and Banker (banco), hence the name ‘Punto Banco.’

  • Mini Baccarat

    Mini baccarat is a simplified version of the traditional baccarat casino game. It’s usually played with eight decks of cards, and the rules and gameplay are essentially the same as the classic game of baccarat. However, the stakes in this variant are lower, making it an ideal option for players with smaller bankrolls and who prefer placing smaller bets. In addition, the game is also appealing to experienced baccarat players since it’s played at a faster pace. Nevertheless, players have to make the same decisions as with all other variations, with the primary objective being betting on which hand between the Banker and the Player will have a total hand value closest to nine.

Live baccarat

Live baccaratLive baccarat is an online baccarat variation that allows players to enjoy the real casino experience in an online environment from the comfort of their homes. The game is usually live-streamed in HD from a land-based casino or a unique studio designed for this purpose. Furthermore, unlike online baccarat, which employs a random number generator (RNG) to determine the outcome of each hand, live baccarat features a real-life and professional croupier who deals the cards and hosts the game in real time. Therefore, players get to watch every deck being shuffled and drawn from a shoe. Moreover, in live baccarat, players can interact with the dealer or other players in real time through a chat feature, creating a more immersive and socially engaging experience.

Like in an online baccarat game, the primary goal of live baccarat is for the player to bet on the hand they believe will have a total point value closest to 9. Luckily, top online casinos offer numerous live baccarat variations which allow players to place side bets, adding an extra layer of thrill to the game. 

In addition, since the game is designed to simulate the real experience of playing in a land-based casino, live baccarat features realistic gameplay and moves at a natural pace with multiple camera angles capturing different angles of the game. This feature lets players view the action from different perspectives, providing a more immersive gaming experience. Finally, to help players track prior wins, identify trends, and attempt to predict future results, live baccarat offers a good selection of detailed roadmaps that give historical statistics on previous actions of a shoe.

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Online baccarat odds and payouts

When playing online baccarat, every possible outcome has a likelihood of occurring. The probability of winning depends on various factors, including the variation played and the player’s mastery and skill level. Assuming the cards are dealt from an eight-deck shoe, one can determine the standard odds when playing online baccarat.

Regarding the three main bets, the Tie bet has the lowest probability of winning, with odds of 9.51%, whereas the Banker’s hand presents the highest winning odds of 45.87%. On the other hand, the Player’s hand offers winning odds of 44.63%. From these statistics, we can fairly conclude that the Tie bet is a risky wager and the Banker bet is the safest.

Payouts and RTP

Online baccarat has an RTP percentage ranging between 85.56% and 98.94%. This varies depending on the bet type and game variation. However, for the standard online baccarat, the optimal theoretical RTP percentage is 98.94%, 98.76%, and 85.64% for the Banker, the Player, and the Tie bet, respectively.

On the other hand, the payout for a winning Player hand is 1:1 while that of a Banker bet is 0.95:1. Notably, the Banker’s hand comes with a 5% commission on all winning bets, thus reducing the overall payout. Moreover, the Tie bet offers a much higher payout (8:1 or 9:1) than the other two. This payout varies depending on the game variation.

Baccarat Bet Types and RTP

Bet Type RTP Percentage
Banker 98.94%
Player 98.76%
Tie 85.64%
Banker Pair 89.64%
Player Pair 89.64%
Perfect Pair 91.95%
Either Pair 86.29%
Big 95.65%
Small 95.65%

Side bets in online baccarat

Aside from the main bets (Player, Banker, and Tie), the best online baccarat casinos offer numerous variations with side bets that you can make to add some extra excitement to the game. These bets usually feature higher payouts than the standard bets but also have higher risks. Below are some of the most common side bets in online baccarat.

  • Either Pair

    This bet pays out if the Player’s or Banker’s first two dealt cards form a pair, i.e., if the first two cards dealt to either hand are of the same rank, such as two 5s or two Kings. This side bet usually has a payout of 5:1 and an RTP of 86.29%.

  • Player and Banker Pair

    For the Player Pair, the bet pays out if the Player’s first two dealt cards form a pair. Similarly, the Banker Pair pays out if the first two cards dealt to the Banker form a pair. This side bet usually has a payout of 11:1 on either winning hand and an RTP of 89.64%.

  • Perfect Pair

    The Perfect Pair bet pays out if the first two cards dealt to either the Player or Banker constitute a pair of the same suit and rank. For instance, if the first two cards dealt to the Player are two 6s of clubs, the Perfect Pair bet wins. The side bet offers a 25:1 payout and an RTP of 91.95%.

  • Dragon Bonus

    This side bet pays out based on the winning hand’s margin of victory. For instance, suppose the Banker’s hand has a total of 7 points while the Player has 3 points. In that case, the margin of victory is 4 points. Dragon Bonus can be wagered on either hand (Player’s or Banker’s), and it features different payouts depending on the winning hand’s margin.

  • Égalité

    This side bet entails betting on a Tie outcome of a specific value between the Player’s and Banker’s hands. The Égalité bet wins if both hands have the same total point value at the end of a round. Depending on the total value, the payout for this bet ranges from 80:1 to 220:1.

Online baccarat providers

Top online casinos in the US partner with various first-class software providers and game development studios to offer top-notch online baccarat titles to their desktop and mobile players. Below is a review of the USA’s most popular online baccarat software vendors.

  • betsoft


    Betsoft is a well-known name in the iGaming industry, which has grown to become one of the leading providers of online gambling products. Furthermore, the company has been able to keep up with the current technological advancements and face the challenges of the fast-growing online gambling industry by focusing on the mobile casino market and being active in the crypto gaming market. Betsoft provides a catalogue of over 180 games, including table games such as baccarat. The company offers a baccarat title resembling the classic version with an RTP of 98.99% and an 8:1 payout on Tie bets.

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  • rival gaming

    Rival Gaming

    Rival Gaming is one of the USA’s most renowned online casino software providers. The company began operations in 2005 and released its first game in 2006. Since then (2006), Rival Gaming has grown and created 200+ online casino games, which are supported in 30+ different languages. Although the company is well known for its i-Slot titles (interactive slots), which allow players to engage actively during gameplay, Rival Gaming offers a baccarat title played with an 8-deck shoe and follows the traditional baccarat rules.

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  • rtg


    Also known as RealTime Gaming, RTG is among the gambling industry’s oldest and leading providers of gaming products. Since its inception, the company has consistently delivered thrilling titles with intriguing features to its customers worldwide. With its catchy slogan, “Take Gaming Seriously,” RTG has always been at the forefront of providing high-quality gaming solutions to online casinos and players. Furthermore, the company has mastered the art of delivering captivating titles in downloadable formats.

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  • saucify


    This software company began operations in 2006 as BetOnSoft and rebranded to Saucify in 2014. It was founded by iGaming industry leaders who saw the high demand for a casino games supplier capable of meeting the needs of first-rate operators in select markets. The company’s primary objective and vision was to bring something unique to the gambling industry. Saucify designs top-tier gaming products with 3D graphics and unique features, enhancing online players’ excitement and experience.

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  • pragmatic play

    Pragmatic Play

    Pragmatic Play is an aggressive and fast-growing gaming solutions developer for mobile and online casinos. The company provides over 200 casino games to top online casino operators in the US. Additionally, the company has built an outstanding track record for being creative and inventive in the iGaming industry. Pragmatic Play caters to all sorts of players, including baccarat lovers.

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Online baccarat tips and tricks

When playing baccarat online for real money, you should consider a few to help you increase your winning chances while still having fun. To begin with, before you place your first real money bet, you should ensure that you understand the game rules. Additionally, since most online casinos offer baccarat titles in free-play mode, playing the game in demo mode is advisable. This will help you master the game and practice different strategies without financial risk. Although no strategy can assure success, you can apply techniques like Martingale and Paroli to improve your gameplay.

To begin with, the Martingale is easy to use and understand. This system recommends that you should increase your wager after every loss. The rationale behind this strategy is that if you double your bet each time you lose, you will cover all of your previous losses in a single wager whenever you win.

On the other hand, the Paroli betting system recommends increasing your bet after every win and keeping your initial wager amount after each loss. For instance, suppose you begin by placing a $5 bet, and it wins. In that case, you should double your bet on the next round to $10. However, if you lose in the next round, you should return to your original betting amount of $5 and start over.

Play Baccarat for free



Whether virtual or offline, baccarat is one of the gambling industry’s most widely available table games. Thanks to its simple rules that are extremely easy to understand, online baccarat is an ideal choice for all types of players, including novices. In addition, compared to other online casino games, online baccarat features one of the lowest house edges, which is an appealing factor to most gamblers. This review has highlighted essential information, including the game rules, the most popular baccarat variations, and tips on improving your chances of winning when playing online casino baccarat in the USA, among other details.

Online baccarat FAQ

Is baccarat available in US online casinos?

Yes. You can find baccarat games from our carefully-vetted list of the USA's best online casinos.

How to play baccarat online?

Online baccarat features straightforward rules. As a player, you're required to bet on the hand (Banker or Player) you think will have a total card value closest to 9.

How much can I win in online baccarat?

Depending on the baccarat variation and house rules, the Tie bet has the lowest winning odds and the highest payout of 8:1 or 9:1.

Which baccarat bet has the best odds?

From the three main bets, the Banker's hand has the highest statistical chance of winning with odds of 45.87%.

Can I play baccarat on a mobile device?

Yes. Most software providers and top online casinos with baccarat games use HTML5 technology, ensuring all their games, including baccarat, are easily accessible and playable via mobile web browsers.