Getting started: What is real money online baccarat?
Baccarat is often considered a top alternative to blackjack. However, before you abandon ship and search for the best
online casinos blackjack
sites, let us explain exactly how baccarat works.
To begin, you won’t be on the hunt for 21. Instead, you’ll be hoping that the combined total of your cards is closest to 9. This works by adding both of your dealt cards together and taking ten away.
For example, let’s say you have an H7 + S9. If you add them together, you’ll end up with 16. Minus ten, and your total is 6. If the banker has a C9 + H8, they’ll end up with 7, meaning their hand has won this round.
The great thing about online baccarat is that you aren’t solely dependent on your own hand. Or, to keep things simple, you’ll be able to bet on your hand, the dealer's hand, or that the next game will end in a tie. You’ll also find different online baccarat casinos that allow you to play games with increased multipliers or bonus games attached.
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How do you play real money online baccarat?
When it comes to playing real money online baccarat at an online casino, you’ll need to find a suitable platform for yourself. Fortunately, we’ve been busy reviewing some of the best places to play card games and
online casino table games
for real money.
So, first off, you’ll want to make use of these reviews. Then, you can click on the dedicated links before making your way over to the baccarat online casino. Here, you’ll then be expected to create an account, pass verification checks, and fund your experience. Although you aren’t likely to find a bonus directly aimed at baccarat, you may find that certain titles will contribute.
After filtering through the lobby, you’ll be able to load up your favorite games. Then, it is a case of following this straightforward step-by-step guide.
- Enter the value of your initial stake
- Choose to place your wager on your own hand, the dealer’s, or on the game ending in a tie
- Wait for the cards to be dealt
- Draw any additional cards
- The closest to nine will walk away with the pot (a split pot will occur if it ends in a tie)
When it comes to tallying up your total, you’ll want to bear in mind that 10, J, Q, and K are all worth zero. All other numbered cards will be worth their stated value. Once tallied, you’ll then fall into one of three categories. We’ve neatly detailed your “next move” in this table.
| Total Value of dealt cards | Next move |
| Less than 6 | Draw another card |
| 6-7 | Wait for banker’s cards to establish the next move |
| 8-9 | “Stand” – Your game will be over |
As you can see, your hand may affect the banker’s. Hopefully, these quick explainers will break things down for you.
- If you stand, the banker draws another card with 0-5 and will stand with a hand of 6 or 7.
- If your third card leads to a total of 8, the banker draws with 0-2 and stays with 3-7.
- If your third card leads to a total of 6 or 7, the banker draws with 0-6 and stays with 7.
- If your third card leads to a total of 4 or 5, the banker draws with 0-5 and stays with 6-7.
- If your third card leads to a total of 2 or 3, the banker draws with 0-4 and stays with 5-7
What variations of real money baccarat can I play online?
As already touched upon, you’ll find a number of variations of online baccarat at some of the best US online casinos. We’ve done our best to highlight a few of our favorites.
- Mini Baccarat:
A simple but effective online baccarat title is ‘Mini Baccarat’. Fresh from Play ‘n’ Go, this title does all of the basics very well. You can easily shift your chips into ‘player’, ‘banker’, or ‘tie’ from as little as $1 before clicking ‘deal’ to find out the outcome. A ‘tie’ pays out at 8/1, and you’ll find that the RTP hovers around 98.5%.
- Grand Bonus Baccarat:
If you’ve been hoping to play live online casino games for real money, then Grand Bonus Baccarat could be your option. This top alternative allows you to play against a professional croupier with the added bonus of unlocking a jackpot for landing four consecutive wins – hence,
Grand Bonus.
- 3Dice Baccarat:
Often dubbed as a fast-paced variation, 3Dice Baccarat offers a great alternative to the traditional card format. Instead of being dealt two cards, as the name clearly suggests, you’ll be hoping to land as close to nine as possible from three spins of the dice. Depending on where you plan to play, you’ll also find progressive jackpots and an inclusive buy-in offered.
Is real money online baccarat legal?
As we found with the best
online casinos roulette, baccarat online casinos offer plenty of exciting legal gaming opportunities. That said, restrictions are in place due to the nature of the US gambling scene.
As things stand, to open their virtual doors as a legitimate baccarat online casino, platforms must obtain state-specific licensing, operate following statewide and state-specific laws, be externally vetted by governing bodies, and provide gaming outcomes backed by a random number generator.
This means that you’ll currently only be able to enjoy real money online baccarat in New Jersey, Connecticut, Delaware, Michigan, West Virginia, and Pennsylvania. However, should changes to laws and legislation take place, you can rest assured that we will be first in line to keep you in the know.
How to Play Online Baccarat in Restricted States
If you live in a US state where real money online baccarat is not legally available,
sweepstakes casinos
provide a great alternative. These platforms let you play for fun and with a Sweeps Coins system, not real cash. These platforms often include baccarat-style games and live dealers. Here's how it works:
- Sign up and play with free Gold Coins (GC) and Sweeps Coins (SC).
GC is for fun, but SC can be redeemed for prizes or cash. There are plenty of
free Sweeps Coins casinos.
- Use SC to enter baccarat tables or tournaments.
You'll use SC just like virtual chips at a real baccarat table.
- Convert SC to cash once redemption thresholds are hit.
There are often small playthrough conditions (e.g. 1×) and a minimum redemption amount.
Below are three of the best
sweepstakes casinos with baccarat-style games
for those in restricted states:
| Casino |
Available Baccarat Features |
Play Mechanics |
Review |
| Stake.us |
Live dealer baccarat & table variants |
Use Sweeps Coins at live tables; realistic sessions with dealers |
Stake.us casino review |
| SidePot |
Virtual baccarat tables |
Play with SC in RNG-driven baccarat; simpler UX |
SidePot casino review |
| McLuck |
Live & RNG baccarat variants |
Enter games using SC; live sessions or video poker-style RNG |
McLuck casino review |
Pros and cons of online baccarat
Online baccarat is known for its simplicity and speed, making it a popular choice among both new and experienced players. However, like any casino game, it comes with its own set of advantages and limitations. Here’s a quick breakdown to help you decide if it’s the right fit for you.
- Easy to learn, even for beginners
- Ability to bet on player, banker, or tie outcomes
- Often features side bets or multipliers for extra excitement
- Low house edge on banker bets
- Fewer game variations compared to other table games
- Bonuses rarely contribute fully to baccarat wagers
- Live dealer versions may have slower pacing
- Some versions impose higher minimum stakes
Key features: How to find the best online baccarat casinos in 2025
Happy with how to play baccarat? Great. Now, it must be time to highlight some key features that all of the best online baccarat casinos share.
The latest technology and enhanced usability
Due to the immersive nature of baccarat, you’ll want to ensure that you find yourself a platform that is easy to use, quick to load, and remains stable throughout.
Usually, you can tell a lot about the kind of experience you’ll have as soon as you land on-site. We tend to look at whether the layout is easy to get to grips with, whether you can register within a few minutes, and whether you can access the platform as freely on the go. We don’t expect every baccarat online casino to have an app, but we would expect some sort of mobile accessibility.
Bonuses and promotions are a huge part of the real money online baccarat casino experience. For the most part, you won’t find bonuses solely aimed at online baccarat, either. Instead, you’ll have to work your way through the fine print to discover the contributing percentages of each baccarat title.
Obviously, the very best baccarat online casinos will ensure that stakes using your bonus bets will contribute a higher percentage. However, you’ll also need to pay attention to the playthrough requirements, expiration dates, eligible titles, and much more. Thankfully, we’ve been busy doing all the hard work for you, and you’ll find these answers in our latest bonus reviews.
A range of baccarat online casino games
Of course, it all boils down to the types of baccarat games that you can play, too. The best baccarat online casinos will have plenty of variations that will appeal to all kinds of players, including
Mini Baccarat, 3Dice Baccarat,
and beyond.
We also pay close attention to the number of new releases that feature each month, as this is a great indicator that an online casino is growing. Beyond online baccarat, it also makes sense to see which developers are backing the slots and alternative table games, as this could highlight which baccarat games are to launch next.
Responsive support and chat rooms
Customer support is another crucial factor to consider before signing up and making your first deposit. Should any issues arise, you’ll want to feel confident that you can get yourself back on track within a matter of minutes.
The very best will now make sure that you can access AI or a live agent around the clock. Most utilize live chat or, at an absolute minimum, will have an on-site form and dedicated FAQs. Alternatively, you can take to the chat room. Here, you’ll find like-minded players willing to share their latest strategies (and gloat about their latest wins) – just make sure you don’t go sharing any of your personal details.
Best Baccarat Online Casinos
Looking for the top sweepstakes casinos where you can play baccarat (or baccarat-style table games)? These platforms not only feature baccarat but also offer enticing welcome bonuses to enhance your experience:
| Casino Name | Bonus | Baccarat Games Available |
| PlayStar | Up to $500 deposit match | Speed Baccarat Live, First Person Baccarat |
| Wheel of Fortune Casino | Deposit $10, get $40 | Classic Baccarat |
| BetMGM | Up to $1000 deposit match + $25 casino bonus | BetMGM Baccarat, Baccarat Live, Baccarat Live From Borgata |
| DraftKings | $35 casino credits +350 spins +24hr Lossback up to $1000 | Live Dealer Baccarat, EZ Baccarat, Lightning Baccarat, Gold Wealth Baccarat, VIP Baccarat |
| Caesars Casino | Up to $2500 deposit match + 2500 reward credits when you wager $25+ | Classic Baccarat, Live Dealer Baccarat |
| Bet365 | Up to $500 deposit match + 10 days of spins between 5 and 50 revealed each day. | Bet365 Baccarat, Speed Baccarat, Live Baccarat, Lightning Baccarat |
| FanDuel | Deposit $10, get 500 spins + $40 casino bonus | Classic Baccarat, Ruyi Baccarat, Live Dealer Baccarat,
|
| Golden Nugget | Up to $1000 deposit match+ 350 bonus spins | Classic Baccarat, Mini Baccarat, Live Baccarat |
| Hard Rock | Up to $1000 deposit match | Live Dealer Baccarat, 5 Treasures Baccarat, Lightning Baccarat |
| Fanatics | Up to $1000 back, deposit $10 get either $100 casino credit or 500 free spins | Classic Baccarat, Live Dealer Baccarat |
Most baccarat outcomes use Random Number Generator (RNG) tech, but some platforms like Real Prize and Stake offer live dealer baccarat powered by ICONIC21 (Real Prize) and Evolution/ICONIC21 (Stake)
Some of Our Favorite Casinos with Baccarat
If you're looking for top-notch baccarat games, these online casinos stand out for their variety, quality, and overall experience. Whether you're after live dealer action or prefer classic digital tables, these platforms deliver smooth gameplay and trusted service. Here's a closer look at three standout picks:
PlayStar Casino
PlayStar Casino is a sleek, mobile-first online casino available in New Jersey. It's known for its polished user experience, efficient customer support, and solid welcome bonus. The live casino lobby is powered by Evolution and includes over 20 games, including a refined live baccarat experience in HD. Beyond live play, PlayStar offers RNG baccarat tables in their classic casino lineup.
Quick Facts:
-
Welcome Bonus:
100% match up to $500 + 500 free spins (first three deposits)
-
Live Casino Games:
20+ (including live baccarat)
-
RNG Baccarat:
Available in classic table games
Most Popular Baccarat Games:
BetMGM Casino is a household name in U.S. online gaming, offering an expansive game library with a strong emphasis on premium live casino play. Their live dealer suite, powered by Evolution, features multiple baccarat tables, ranging from standard live baccarat to “Quick” and “Speed” formats, all streamed in high quality. BetMGM’s reputation for reliability is reinforced by its loyalty program and frequent bonuses.
Quick Facts:
-
Welcome Bonus:
100% match up to $1,000 + $25 bonus
-
Live Casino Games:
50+ (vary by state, includes numerous baccarat tables)
Most Popular Baccarat Games:
Caesars Casino, backed by the legendary Caesars brand, delivers a top-tier live baccarat experience. Powered by Evolution, the casino features high-stakes and VIP baccarat tables with flawless streaming and interactive dealers. The platform also offers RNG baccarat in the standard game lobby. Caesars’ loyalty program is a standout, allowing players to convert casino play into resort credits and complementary perks.
Quick Facts:
-
Welcome Bonus:
Up to $1,000 deposit match (varies by state)
-
Live Casino Games:
40+ (including live baccarat)
Most Popular Baccarat Games:
Top Tips: Simple ways to get more from your next online baccarat experience
Although online baccarat is a game of luck, it doesn’t hurt to go into the gaming lobby armed with some top tips. We’ve put our heads together to come up with some ways to get your baccarat experience off to a flying start.
Whether new to online baccarat or just looking for a refresher, it could be worth playing in ‘demo’ mode. Although you won’t walk away with any winnings, you can get familiar with things before you risk your cash or bonus balance.
🔍 Find Games with Multipliers
As we’ve touched upon, you can find baccarat online casino games that allow you to pick up specific multipliers. Unless betting on a ‘tie’, winning odds are always set fairly low. This is a simple way for you to get more from a winning hand.
💬 Chat to Experienced Players
The chat room is a great place for you to share ideas and strategies. Once implemented, we’d then suggest following them for a set amount of time/games to see how they are working out for you.
🏠 Check Out the House Edge
Depending on where you finally settle on playing, it could be worth checking the house edge. Most will implement 5% based on the dealer winning; however, this will change from site to site.
📜 Review the Terms of Any Promotions
You’ll find plenty of bonuses throughout your time online; however, only a set amount of your baccarat bonus stake is likely to contribute. Make sure you check the fine print before making any qualifying deposits.
Become a Member: How to Register with an Online Baccarat Casino
Signing up at a baccarat casino is quick and easy. Here’s a simplified version of what you’ll typically need to do:
- Choose a trusted baccarat casino from our reviews.
- Click the sign-up or join button.
- Fill in your name, email, date of birth, and any bonus code.
- Create a secure password.
- Complete verification (usually automatic).
- Deposit funds and start playing.
Most sites also send a confirmation email or text, so keep an eye out. Once verified, you’re ready to enjoy real money baccarat.
Verdict: Take some time to review the best online baccarat casinos in 2024
That brings our latest guide to online baccarat casinos to its close. We hope that you are now in a better position to judge whether these kinds of platforms will be better suited to your needs.
The very best should provide you with ample variations of the popular game, offer bonuses that will allow your stakes to contribute towards the playthrough requirements, and provide you with a community that only wants to help boost your knowledge.
Fortunately, we can help you cut out the middleman by taking advantage of our dedicated online baccarat casino reviews. Here, you’ll find out everything from bonuses and betting limits to support options and mobile accessibility.
The wonderful world of online baccarat awaits – provided you live in New Jersey, Connecticut, Delaware, Michigan, West Virginia, and Pennsylvania, of course.
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Wagering (WR): 3x
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Online Baccarat Casino FAQ
🎲 Can I play real money online baccarat games at an online casino?
Absolutely. You’ll find that many top online casinos now allow you to enjoy all types of online baccarat games. This can range from standard titles like ‘Mini Baccarat’ to exciting
online casinos live dealer
games games like ‘3Dice baccarat’.
💸 Can I use my bonus on online baccarat casino games?
It all depends on the online casino bonus you unlock. Generally, bonuses and promotions are geared towards slots. However, you may find that a set percentage of your bonus stakes will contribute to specific baccarat games. You’ll just have to judge whether it makes sense to do so.
📱 Can I still play online baccarat through a mobile app?
Most baccarat online casinos will now be compatible with iOS and Android devices. That said, you won’t always find a dedicated app available to your chosen site. Instead, you may have to visit and play through your mobile browser.
🃏 What kind of online baccarat casino games will I find at the best sites?
The best online baccarat casinos will provide you with a range of online games to play. This will include variations of baccarat but will also include roulette, jackpot slots, tumbling reels, and Sic Bo.
Daily picks from betting experts on odds boosts and casino promos
