Best US Online Baccarat Casinos for 2024
We’ve tested multiple online baccarat casinos based on their game RTP, variety, and betting limits. Whether you’re looking for a fast-paced game variation with real money or prefer playing with high stakes, we’ve got you covered. Check our recommendations and find the best online casino with baccarat.
Editor: Christopher Brunne- Top Baccarat Casinos
- How We Rate
- Baccarat Variants
- Baccarat Software
- RNG Baccarat
- Baccarat Rules
- Strategies Explained
Top Online Baccarat Casinos 2024
| US Online Casino | Welcome Bonus | Number Of Sports | NBA Odds | Legal in | Rating | Play Link | Terms |
|---|---|---|---|---|---|---|---|
US Baccarat Casinos for Real Money (by Feature)
We know that you have high standards to meet before you start playing baccarat online with real money. Some of you prioritize game diversity, mobile play, or specific software developers, while others want to play with high stakes or bonuses. That’s why we’ve included both RNG and live dealer casinos that offer baccarat and excel in different areas.
- 🥇BetMGM NJ Best online baccarat casino overall
- 🥈DraftKings MI Most diverse baccarat collection
- 🥉Caesars WV Great mobile app
- ⭐BetRivers PA 4K live streaming
- ⭐Betway NJ Best Evolution baccarat
- ⭐Borgata NJ American croupiers
- ⭐Stardust Casino NJ Best customer support
- ⭐SI Casino MI Fast and secure transactions
Criteria for the Best Online Baccarat Casinos
Our rating process for all gaming platforms, including each RNG or live baccarat online casino, is based on strict criteria. We check each platform for licensing, safety measures, and game diversity, which are critical for our evaluations. We also focus on bonus fairness, payment methods, customer service quality, and the casino app’s functionality. All these criteria contribute to a player’s satisfaction, so we aim to cover them all.
- Baccarat Bonuses and Playthrough Bonuses are important when choosing an online casino with baccarat. Before suggesting any promotion, we examine the bonus amount, playthrough requirements, and validity, determining whether it’s worth your time and money.
- Payment Options in Baccarat Sites Before you play baccarat online, choosing a casino with your preferred payment methods is important. To save you some time, we tested multiple platforms and listed the ones offering a range of banking methods, such as debit cards, e-wallets, bank transfers, and eChecks.
- Baccarat Betting Limits in Casinos Betting limits are important when you play baccarat for real money. We look for casinos that offer flexible betting ranges, accommodating a wide range of budgets. This inclusivity allows all players to enjoy the game regardless of whether they place low or high stakes.
- Mobile Live Baccarat With the increasing mobile gaming trend, access to real money baccarat apps is vital. We test the performance of mobile platforms, checking if they are compatible with iOS and Android and offer the same high-quality experience as their desktop versions.
- Live Dealer Baccarat Games We also evaluate the variety and quality of live dealer baccarat games. This includes different variations, the professionalism of dealers, and the interactive features provided – baccarat bets, live streaming, autoplay, and statistics, to name a few.
Following these standards, we aim to help you find the best online baccarat casino. To do so, we test bonuses, payments, and games firsthand. However, note that, unlike random number generator versions, there is no demo mode for games with real dealers. This distinction is critical, as our rankings pinpoint real money baccarat platforms that operate legally in Michigan, New Jersey, Pennsylvania, and West Virginia.
Bonuses and Playthrough
When scouting for promotions online, you should carefully examine the terms and conditions, particularly whether games like online casino baccarat contribute to the wagering requirements. Such welcome bonuses in the US are quite rare, so when we find one, we know it’s unique.
- Bonus amount: The total bonus money received. For example, a $100 bonus on a $100 deposit.
- Playthrough requirement: The number of times the bonus must be wagered before withdrawal. If the requirement is 20x for our $100 bonus, this means betting a total of $2,000.
- Total wagering required: The total amount that must be bet to meet the playthrough. Continuing with our $100 bonus and a 20x requirement, the total wagering required is $2,000.
- Game contribution: The percentage of each bet that contributes towards the playthrough. If baccarat contributes 10% and you bet $100, only $10 counts towards the $2,000 wagering required.
Understanding these terms and how they apply to real money baccarat games can greatly impact your gameplay and overall satisfaction with the gambling platform. You should aim for bonuses with playthrough requirements no higher than 30x and a validity of at least seven days.
Payment Options with Baccarat Sites
A live baccarat online casino usually supports a variety of payment methods. Common options include debit cards, prepaid cards, e-wallets, and bank transfers. We recommend e-wallets like PayPal for deposits thanks to their user-friendliness, security, and fast processing times. We’ve researched which baccarat online platforms work the best for different methods and have listed them here:
- Visa
- Mastercard
- PayPal
- Skrill
- Apple Pay
- Google Pay
- Bank transfer
- eCheck
However, note that not all payment methods are eligible for real payouts. For instance, options like Apple Pay and prepaid cards can’t process withdrawals. In addition, remember that you might be required to withdraw using the same payment method you used to deposit. That’s often a requirement at legal gaming sites that comply with anti-money laundering regulations.
It’s also important to note that sites where you can play baccarat for real money have different withdrawal times. In the best-case scenario, your request will be approved within 24 hours, and you’ll receive your winnings within 1-2 business days. For the fastest transactions, we suggest e-wallets once again.
Baccarat Betting Limits
The baccarat table limits vary from one platform to another. Live dealer variations offer minimum bets as low as $1, extending up to $65,250, while RNG versions start at just $0.10 and can go up to $10,000. Based on your level of expertise and this range, you can choose a suitable baccarat game online.
| Casino | Live Baccarat Minimum | Live Baccarat Maximum | RNG Baccarat Minimum | RNG Baccarat Maximum | Secure Link |
|---|---|---|---|---|---|
| BetMGM | $1 | $10,000 | $0.10 | $10,000 | Play Now |
| DraftKings | $1 | $65,250 | $1 | $10,000 | Play Now |
| BetRivers | $1 | $10,000 | $0.40 | $1,000 | Play Now |
| Betway | $1 | $10,000 | $0.10 | $1,000 | Play Now |
Each baccarat strategy requires different bet ranges, and it’s good to know there’s something for everyone. Limits can go high, especially in the case of Salon Privé variations, which are typically featured at high roller online casinos. If you prefer higher betting limits, explore similar variants or contact the casino’s support team for personalized arrangements.
Mobile Baccarat Games
Above on this page, we listed some of the casino apps with the best baccarat games. The US market focuses more on iOS, but Android users will also find appealing options. Such apps offer high-quality streaming and user-friendly interfaces specially designed for mobile use. You can easily place bets, interact with dealers, and enjoy the social aspects of baccarat anytime, anywhere.
Live Dealer Baccarat Games
At the top live dealer casino sites, you will find many options. You can play online baccarat with professional dealers and benefit from features like live chat, HD streaming, and enticing side bets. Some of the best baccarat games are developed by Evolution, an industry leader in the sector. Popular variations are Speed Baccarat, Lightning Baccarat, and Salon Privé Baccarat, which we will discuss below.
Online Baccarat Variants
Online baccarat games vary in their rules and features. Variations include Mini Baccarat and Punto Banco, which are the most popular at online casino sites in the US. Meanwhile, Chemin de Fer and Baccarat Banque offer more player involvement in the card-dealing process.
We’ve focused on real money baccarat variants with appealing visuals and multiple side bets, including on pairs or big and small hands. Games like Speed Baccarat increase the pace of play, while No Commission Baccarat alters the traditional payout structure, making the gameplay more entertaining.
Classic Baccarat
| Payout: | 98.94% |
|---|---|
| Side Bet: | P Pair, B Pair |
| Multipliers: | – |
| Minimum bet: | $1 |
| Maximum bet: | $3,000 |
One distinctive feature of Classic Baccarat is the tie bet option, where players can wager on the outcome, a draw between the player’s and banker’s hands. This wager offers higher payouts but comes with greater risk due to its lower odds of occurring. Understanding these basic bets and their outcomes is crucial for playing baccarat online.
Speed Baccarat
| Payout: | 98.94% |
|---|---|
| Side Bet: | P Pair, B Pair |
| Multipliers: | – |
| Minimum bet: | $1 |
| Maximum bet: | $3,000 |
The game maintains the classic baccarat rules but has quicker rounds, with cards being dealt face-up right from the start to speed up the action. No unique bets are specific to Speed Baccarat. However, its accelerated pace is a distinctive feature that sets it apart from other variations.
Live Baccarat Squeeze
| Payout: | 98.94% |
|---|---|
| Side Bet: | P Pair, B Pair, Squeeze |
| Multipliers: | – |
| Minimum bet: | $1 |
| Maximum bet: | $3,000 |
Unique to this variation, the control squeeze feature allows players to take part in the squeezing process themselves, using digital overlays on real cards. Those who play Live Baccarat Squeeze are promised an unforgettable gaming session.
Salon Privé Baccarat
| Payout: | 98.94% |
|---|---|
| Side Bet: | P Pair, B Pair |
| Multipliers: | – |
| Minimum bet: | $1,000 |
| Maximum bet: | $3,000 |
Key features include the option to control the speed of the game, as well as the dealer and shuffle times, providing a bespoke gambling environment. Salon Privé Baccarat stands out for its luxurious atmosphere and premium service, offering high-stakes players something different.
Dragon Tiger
| Payout: | 96.27% |
|---|---|
| Side Bet: | – |
| Multipliers: | – |
| Minimum bet: | $1 |
| Maximum bet: | $5,000 |
Unique to this baccarat game online is the simplicity of its betting options, which include betting on the Dragon or Tiger to win or tie. Additionally, side bets can often be placed on whether the card will be Big (8 or higher) or Small (6 or less).
Lightning Baccarat
| Payout: | 98.76% |
|---|---|
| Side Bet: | P Pair, B Pair, Lightning Round |
| Multipliers: | 2x, 3x, 4x, 5x, 8x |
| Minimum bet: | $1 |
| Maximum bet: | $500 |
This variation not only maintains the core gameplay of baccarat but also introduces a chance for increased payouts, making each round unpredictable and dynamic. The inclusion of multipliers makes it popular among players looking to combine the classic elegance of baccarat with innovative features. Designed to be played with real dealers, unfortunately, it offers no free baccarat demo mode.
No Commission Baccarat
| Payout: | 98.76% |
|---|---|
| Side Bet: | P Pair, B Pair |
| Multipliers: | – |
| Minimum bet: | $1 |
| Maximum bet: | $3,000 |
However, to balance the house edge, the winning Banker bets on a total of 6 only pay 0.5:1. This unique rule introduces a slight twist, encouraging players to strategize when betting on the Banker. If you want to practice baccarat, this is an excellent option with simpler, modified rules.
Baccarat Multiplay
This variation allows you to start playing multiple online baccarat games simultaneously, making the gameplay complex. This option is perfect for those who find single games slow-paced. The ability to bet on multiple tables targets those with a baccarat strategy, as participants must manage their bets and attention across different games.
The game also requires you to be adept at quick decision-making and risk assessment, adding depth to the gameplay. This variation is an excellent choice for experienced gamblers wishing to enjoy their favorite card game but on another, more challenging level.
Software Developers
While we focused on Evolution due to its reputation for innovative and immersive live games, other software developers also bring unique strengths to playing baccarat online. Each developer contributes by offering different styles, features, and game variations to cater to a wide range of player preferences.
- Playtech: Known for a wide range of casino games, including real dealer baccarat games, such as Golden Baccarat and Progressive Baccarat.
- Pragmatic Play: Renowned for its multi-product portfolio that is innovative, regulated, and mobile-focused, including a strong live dealer selection.
- Ezugi: Offers a diverse live dealer gaming portfolio with a focus on creating an authentic and interactive casino gameplay.
If you’re into playing baccarat with real dealers, these software developers have a lot to offer. They’re all licensed to provide gambling games in the US and are also internationally recognized. We chose these software brands for their state-of-the-art live studios, friendly croupiers, and built-in features, such as multiple camera angles, close-ups, and bet statistics, to name a few.
RNG Baccarat Games
American baccarat platforms also offer Random Number Generator (RNG) games. These use an algorithm that generates random numbers, guaranteeing unbiased outcomes, and are audited by third parties for fair play. You can also find free baccarat games as demo versions and practice your gameplay. Below, you can check the most renowned software providers in the sector.
- NetEnt: Praised for innovative and high-quality graphics in their gaming content.
- Realtime Gaming: Known for a broad portfolio that spans various casino games, including user-friendly baccarat versions.
- BetSoft: Stands out for engaging 3D graphics and animations across their casino game range.
- iSoftBet: Focuses on delivering a wide variety of online baccarat games known for their engaging designs and interfaces.
Software developers provide dozens of variations – Punto Banco, Mini Baccarat, Baccarat Banque, and Baccarat Professional Series, to name a few. If you usually play baccarat online but feel like trying something different, these developers have rich game portfolios. From table games to slots and progressive jackpots, you can try something with beginner-friendly rules and entertaining features.
NetEnt RNG Baccarat Versions
NetEnt, a leader in the development of RNG baccarat games, is celebrated for its cutting-edge technology and innovative game designs. Known for high-quality graphics and smooth gameplay, its online baccarat offerings are designed to replicate the elegance of the traditional game.
Options like Baccarat Professional Series stand out in their portfolio, offering an RTP of 98.96% and maximum bets of up to $1,000. This card game isn’t just about luck – it also allows you to employ baccarat strategies, making the gameplay both challenging and rewarding.
Realtime Gaming Baccarat
Realtime Gaming (RTG) has established itself as a reputable name in the online gaming industry, particularly for its RNG baccarat games. Renowned for their intuitive interface and authentic gameplay , RTG’s baccarat versions are popular among players who value hassle-free gameplay.
RTG offers classic baccarat games designed for a wide audience. These games feature detailed statistics to assist players in monitoring their game history. Although RTG is not typically recognized for groundbreaking innovations, its core strength is in delivering a traditional baccarat experience. You can test some free baccarat games by RTG and decide whether it’s your match.
iSoftBet Baccarat
iSoftBet is committed to innovation and quality. The developer integrates intuitive design with sophisticated features, making its games accessible to beginners and interesting for experienced players. Their portfolio includes titles like Big Win Baccarat, which offers side bets such as Player Pair, Banker Pair, and Any Pair.
Some of iSoftBet’s online baccarat games include expanded betting options and statistical analysis tools, allowing players to adjust their strategies. Other popular choices we recommend are Punto Banco, with its 98.85% RTP.
Baccarat Rule Guide for Beginners
Players wager on two hands in baccarat – the “Player” or the “Banker” – predicting which will have a total closest to 9. Each game round begins with two cards dealt to both the Player and Banker positions. Depending on the cards’ total, a third card may be drawn following specific rules to determine the round’s outcome. The goal is straightforward: bet on which hand wins or if there will be a tie.
Basic Rules of Baccarat
In baccarat, the value of cards is crucial to understanding how the game is played. The unique aspect of baccarat card values is that when the total exceeds nine, the first digit is dropped, so a total of 15 becomes 5. Understanding this rule is fundamental, as the objective is to get as close to 9 as possible.
Baccarat card values:
- 2 to 9: Cards numbered from 2 to 9 are taken at face value, meaning the number on the card is the number of points it is worth.
- 10, J, Q, K: All 10s, Jacks, Queens, and Kings are worth 0 points. Despite their traditionally high value in other card games, in Baccarat, they are considered neutral.
- Ace: The Ace is worth 1 point, making it a low-value card in the context of baccarat. Its low point value makes it a card that can make or break the count.
Baccarat gameplay:
- Placing bets: Players place their stakes on one of three outcomes: a Player win, a Banker win, or a tie.
- Initial deal: After bets are placed, the Player and the Banker receive two cards each. These cards are dealt face up, and their values are added together to determine the score of each hand
- Third card rule: Whether a third card is drawn for either hand depends on the totals of the initial two cards. For the Player’s hand, no more cards are dealt if the total is 8 or 9. A third card is drawn if the total is between 0 and 5. The decision to draw a third card is more complex for the Banker’s hand and depends on the Banker’s initial total and the Player’s third card (if one was drawn).
- Determining the winner: The goal of baccarat is to guess the hand that comes closest to a total of 9. After all cards have been dealt according to the rules, the totals of the Player and Banker are compared. The hand with the total closest to 9 wins.
Online casino baccarat revolves around betting on the player’s winning hand, the banker’s winning hand, or a tie. It begins with two cards dealt to both the player and banker. A third card may be drawn, following strict rules that depend on the initial card totals. Even if the game is simple, it requires quick decision-making, so we advise you to first try a free online baccarat simulator to practice.
Baccarat Table and Bets
The gameplay includes various bets to accommodate different baccarat strategies and risk levels. The most common are the Player and Banker bets, with the Player paying even money and the Banker paying slightly less due to a 5% commission. These details are important to baccarat betting strategies, balancing risk and potential return.
- Player Bet: Pays 1 to 1.
- Banker Bet: Pays 0.95 to 1 (5% commission).
- Tie Bet: Pays 8 to 1, or sometimes 9 to 1.
- Player Pair: Pays 11 to 1.
- Banker Pair: Pays 11 to 1.
- Either Pair: Pays 5 to 1.
- Perfect Pair: Pays 25 to 1.
- Big Bet: Pays 0.54 to 1 (more than 4 cards drawn).
- Small Bet: Pays 1.5 to 1 (only 4 cards drawn).
Additional options, such as tie, pair, and big or small bets, introduce more layers to baccarat betting strategies. The tie bet offers a higher payout due to its lower probability of occurring. Pair bets and the Perfect Pair provide opportunities for great rewards with their higher odds. Meanwhile, big and small bets add another dimension to the game, allowing players to bet on the number of cards dealt.
Baccarat Payouts and House Edge
Payouts and house edges vary significantly across different types of bets, impacting the player’s potential return and the advantage the online casino with baccarat holds. The player and banker bets offer relatively even payouts, with the banker’s bet having a slight commission but also a lower house edge, reflecting its better odds of winning.
| Bet Type | Bet On | Odds | Winning Chances | Payout | House Edge |
|---|---|---|---|---|---|
| Player Bet | Player’s hand wins | 1:1 | 44.62% | 1:1 | 1.24% |
| Banker Bet | Banker’s hand wins | 0.95:1 | 45.85% | 0.95:1 | 1.06% |
| Tie Bet | Tie | 8:1 or 9:1 | 9.53% | 8:1 or 9:1 | 14.36% (for 8:1) / 4.84% (for 9:1) |
| Player Pair | First two cards on Player’s hand form a pair | 11:1 | 7.47% | 11:1 | 11.25% |
| Banker Pair | First two cards on Banker’s hand form a pair | 11:1 | 7.47% | 11:1 | 11.25% |
Side bets in baccarat, such as on pairs or ties, offer higher payouts due to their lower probability of occurring. The tie bet, for example, offers better payouts but comes with a significantly higher house edge, making it a riskier choice. Similarly, bets on player or banker pairs offer attractive payouts but also come with higher house edges.
What is Chemin de fer?
Chemin de fer is a version of baccarat often seen as its traditional form, particularly popular in Europe. Unlike the more common Punto Banco variant, players compete against each other instead of the house. This player-versus-player setup introduces a strategic element of bluffing absent in other baccarat variations, with one player acting as the banker and others betting against them.
A distinctive feature of Chemin de fer is the banker’s ability to decide whether to draw a third card, adding a strategy layer requiring decision-making skills. The game’s name, meaning “railway” in French, reflects its quick pace. Players take turns being the banker, moving the action along like a train from station to station. Finding such a free baccarat game online is unlikely, but you can test your skills with friends.
Side Bets
Baccarat side bets introduce additional wagering options beyond the standard Player, Banker, and Tie bets. These side bets typically involve predicting specific outcomes or combinations of cards, such as particular totals or pairs, and can provide higher payouts than standard bets, albeit often at higher risk.
- Dragon Bonus: A bet on the margin of victory. Players wager that the chosen hand (Player or Banker) will win by a high number of points.
- Panda 8: A bet that the Player hand will win with a total of eight points from three cards.
- Dragon 7: A bet that the Banker hand will win with a total of seven points from three cards.
A Beginner’s Guide to Strategies
Given the game’s inherent odds and house edges, baccarat strategies often revolve around managing bets to maximize wins and minimize losses. The Martingale Strategy is a popular approach, suggesting players double their bet after each loss, aiming to recover losses with a single win. Such strategies play on the probability of winning streaks or a single win to balance out previous losses but require careful bankroll management.
- Martingale Strategy: Double the bet after a loss, aiming to recover the loss with a win.
- Reverse Martingale (Paroli): Increase bets during winning streaks, not after losses.
- D’Alembert Strategy: Increase or decrease the bet by one unit after a loss or win, respectively.
- Fibonacci Strategy: Bet amounts follow the Fibonacci sequence, increasing with each loss according to the sequence.
- James Bond Strategy: A fixed betting pattern spreading the risk across different bets.
Other baccarat strategies, like the Reverse Martingale (Paroli), suggest increasing bets during winning streaks rather than after losses. Meanwhile, the D’Alembert and Fibonacci strategies offer more structured betting progressions, adjusting bets based on previous outcomes to minimize risk. We remind you to play responsibly and if you’re a beginner, start playing free baccarat online to get used to the rules.
Conclusion
Based on our comprehensive review, baccarat online is an engaging game that attracts a wide range of players, from beginners seeking simple gameplay to experienced gamblers interested in its strategic potential. Its low house edge and uncomplicated rules make it suitable for anyone looking to explore online gambling and have fun.
Christopher Brunne is the founder of plainenglish.io/gambling, a project resulting from his cooperation with Sunil Sandhu, the owner of plainenglish.io. They met at a conference in Boston. Christopher, who lives in Boston, has an extensive sports background and is a fan of online casino games. When he’s not working on the site, you can find him at the TD Garden or at the playground with his toddler son, who so far shows no interest in basketball.
Whether you’re attracted to the game’s elegance, the live interaction, or the convenience of playing on mobile, the best online baccarat casino sites we’ve highlighted can offer an experience tailored for you. I believe baccarat is a stellar choice for players of all types, offering simplicity, entertainment, and the opportunity for strategic play.
Frequently Asked Questions
If you want to play baccarat online but still have questions about casinos or need further clarity on game rules, strategies, or any other aspect, our experts are ready to assist. We’ve compiled a comprehensive FAQ section to address common inquiries and provide you with insights and helpful tips.