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Best online baccarat casinos for May 2024

We have reviewed the game quality, game variety, user experience and available bonuses at every licensed online baccarat casino in the country. These are the best online casinos for baccarat players:

Baccarat bonuses and promos

The best online casinos offer a sign-up bonus to attract new players. They will also provide all customers with a variety of recurring promotions, which reward you for regular play. Most bonuses are available to use on baccarat, but some promotions may exclude it, so it is important to check the terms and conditions. These are the main types of bonuses you’re likely to come across:

Baccarat bonus advice

It is important to read the fine print before claiming a bonus at a casino for playing online roulette or other games.

Check the terms and conditions to see if any promo you plan to use will work with baccarat. Some casinos do not allow you to play baccarat when using bonus credits, as it has a very high return-to-player rate, but it is normally permitted. However, baccarat will not normally count 100% toward completing the requirements.

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For example, the terms at DraftKings Casino state that baccarat will only contribute 10% toward satisfying the 15x wagering requirement. That means only $0.10 in every $1 you wager counts toward it. It essentially means the wagering requirement is 150x if you play baccarat.

Online casinos will not allow you to simply cover both sides of the bet, either. That means you cannot lay down an equal number of chips on the player’s hand and the dealer’s hand, as that would make it too easy for you to complete wagering requirements.

How to play online baccarat in 7 steps

Baccarat is one of the simplest games available at an online casino. It has just three betting options, each of which has a different return-to-player rate. If you would like to play online baccarat, follow these steps to set up an account:

  1. Use the “play now” button next to one of our recommended online casinos in the table above. That will take you to the casino, and you can sign up and claim the welcome bonus.
  2. Click to open the sign-up form and enter your name, address, date of birth, phone number, email address and last four digits of your Social Security number. Choose a password.
  3. Accept the terms and complete the form. You may also need to upload images of documents to help the casino verify your age, identity and address.
  4. When the online casino has approved your account, head to the cashier and make a deposit.
  5. You can then search for baccarat via the homepage. Alternatively, head to the table game section for virtual baccarat or the live casino section for live dealer baccarat.
  6. Click or tap on one of the games, and you will see a brief description of how it works.
  7. Enter the game and click to lay down your chips on the banker’s hand, the player’s hand or a tie. If your prediction is correct, your winnings will appear in your account balance. Continue to play as many hands as you like, but please gamble responsibly.

How to choose the best casino for real money baccarat

There are many reputable online baccarat casinos in states like Michigan, New Jersey, and Pennsylvania. To narrow it down, you can focus on these points:

Legal online baccarat casinos

You can play legal online baccarat for real money in five states. Delaware also has a regulated online casino network, but the platform there does not include any baccarat games. Here is information on playing baccarat and other casino games in those five states:

Types of online baccarat games

There are various forms of baccarat, including chemin de fer and baccarat banque. However, the vast majority of baccarat games at online casinos follow the punto banco variant, which originated in Argentina in the 1950s. In this version, you can bet on the player or the banker, or you can wager on a tie. These are some of the punto banco games at online casinos:

Classic baccarat

Classic punto banco features two hands — the banker’s hand and the player’s hand. To be clear, you do not assume the role of the player. Those are simply the terms. Two cards will be dealt to the player from a six-card or eight-card shoe, and two cards will be dealt to the banker.

The hand closest to 9 wins. You can bet on the banker’s hand being closer to 9 or the player’s hand being closer to 9, or you can wager on a tie. These are the key rules:

For this reason, the banker’s hand wins 45.86% of the time, compared to 44.6% for the player’s hand. If it is a tie, bets on the banker or the player count as a push, and you get your money back. For this reason, the banker’s hand wins slightly more than half the time. However, you pay a 5% commission for betting on the banker’s hand, so it only pays out at 19:20. It means that these are the overall RTP rates for the three available bets:

As you can see, a banker bet still has the best theoretical payout rate, while a tie bet is best avoided.

First Person Baccarat

This is simply a form of classic baccarat from Evolution Gaming, a company that specializes in live dealer games. First Person Baccarat looks similar to Evolution’s live dealer baccarat game, and it has a “go live” button, which you can click to be transported to the live version.

Lightning Baccarat

This is a popular baccarat game from Evolution. It is available as a first person (virtual) game, and it may sometimes be available as a live dealer game. Lightning Baccarat follows the standard rules that we went over above, but it also imposes a 20% fee to your bet on each hand.

That fee is used to fund “lightning” payouts, which multiply your winnings. At the start of each lightning round, up to five cards are selected at random from a virtual deck. Each card is assigned a random multiplier – 2x, 3x, 4x and so on. The maximum payout is 310,720:1 in a winning tie bet with matching lightning cards. This game has a 98.76% RTP rate.

Golden Wealth Baccarat

This is another twist on baccarat from Evolution Gaming, which may be available as a virtual or live dealer game. It is similar to Lightning Baccarat as a “magical pot” on the table delivers five “golden cards” each game. If your winning hand holds one or more of these cards, your winnings will be multiplied. The best available RTP for this game is 98.85%.

Squeeze Baccarat

This is a classic baccarat game in which the cards are dealt face down. The cards are then slowly folded on each side by a live dealer, revealing the hands. It is designed to build anticipation and increase the tension and excitement of the game, but it has no bearing on the results.

Speed Baccarat

Speed Baccarat, another live dealer game from Evolution, has a faster pace than the regular game. The rules are the same, but each round takes no longer than 27 seconds, compared to roughly 48 seconds for the standard game.

Baccarat strategy and systems

You can pursue a positive or negative progression strategy when playing baccarat. It works best on the player bet, which offers a 1:1 payout and provides an almost 50% chance of success.

Negative progression systems

Negative progression strategies require you to increase your bet size after a loss. They chase losses and aim for small, regular wins. These are some popular options:

Positive progression systems

Positive progression systems require you to increase your bet size after a win. The aim is to capitalize on winning streaks when they occur.

Baccarat FAQs

Can I play baccarat at online casinos?

You can play a range of virtual and live dealer baccarat games at leading online casinos in New Jersey, Pennsylvania, Michigan, West Virginia and Connecticut. The options will generally vary on a state-by-state basis, but top online casinos will generally have a few choices.

Which online casinos offer baccarat?

Most legal online casinos in the United States offer baccarat, as it is one of the most popular table games on the market. The best baccarat casino sites include DraftKings, FanDuel, BetMGM, Bally Casino and Caesars Palace.

What variant of baccarat is available at online casinos?

The vast majority of baccarat games at online casinos follow the punto banco variant, which dates back to Argentina in the 1950s. There are other variants, including baccarat banque and chemin de fer, but they are not as well-suited to online play. You can find different takes on punto banco, such as Speed Baccarat and Lightning Baccarat.

Is baccarat a game of skill or chance?

Baccarat is purely a game of chance. However, unlike some casino games, you still need to make decisions that impact your potential profit or loss. Simply put, you can opt to bet on the player’s hand, the banker’s hand or a tie.

What is the best bet to make when playing baccarat?

The banker bet is the best option if you are playing online baccarat. This bet has a house edge of just 1.06%, resulting in a theoretical return-to-player rate of 98.94%, compared to 98.76% if you bet on the player’s hand or 85.64% if you bet on the tie.

What are the odds of winning at baccarat?

The odds of success depend on which bet you place. The banker bet has a win rate of around 45.86%, compared to 44.6% for the player bet. The tie pushes, so the banker bet wins more than half the time, but you have to pay a commission when betting on the banker’s hand, meaning the overall RTP is 98.94%.

Why does the banker’s hand win more frequently in baccarat?

The banker’s hand is completed last and follows more aggressive drawing rules, which results in a higher chance of it winning. When factoring out the tie, it wins more than half the time, but it only pays 19:20, as you pay a commission when betting on the banker’s hand.

Can I use bonus funds when playing baccarat?

Most online casinos will allow you to play baccarat with bonus funds. However, baccarat will normally count just 10% or 20% toward completing the wagering requirement for those bonus funds, as it has a higher RTP rate than most other online casino games.