Online Baccarat Guide - Learn the Best Strategy for 2020!

Online Baccarat Guide

Online baccarat remains one of the most popular offerings in any casino. You’ll find baccarat practically any online casino, with a number of variations and themes.

It’s known to have one of the best house edges in the casino, with an edge of just under 2%. This is a simple game that requires little thought and effort to master. For players who want to relax and have a good chance of winning some money, online baccarat is the perfect game.

Intro to Baccarat

Baccarat is a game based almost entirely on luck. There’s little you can do to influence the outcome. That’s why so many online casino players love it. It’s a great way to spend a few quiet hours in the evening.

The game itself is simple. The face cards count for nothing and the ace counts for one. Every other card’s numerical value remains as it says on the card.

The aim of the game is to make the number nine with your first two cards or to get as close as possible. Sometimes a third card will be dealt and the person closest to the nine wins.

There’s little more you need to take into account when playing basic online baccarat.

Best Casinos for Online Baccarat in New Jersey

Practically every online casino in New Jersey will have baccarat as part of its offering. However, you need to put some thought into choosing the right casino for you.

You need to take into account things like banking options, bonuses, customer service, and the number of baccarat variations available. If you plan on playing on the go, you’ll also want to know more about the mobile experience.

Golden Nugget

Live baccarat is available through Golden Nugget. What’s more, it’s one of the few online casinos in New Jersey that offers live baccarat. Stakes range from $1 all the way to $2,000. 

It has a maximum payout of $5,000!

Monday - Sunday: 8:00 AM to 5:00 AM (Eastern Time)

If you decide to make a deposit, they’ll prove a 100% deposit match up to $1,000. 

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Golden Nugget


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Virgin is another strong contender for baccarat players. This is an online casino that has built up a consistent and loyal following in the US over the past few years.

Their baccarat games are known for their colorful themes and entertaining features.

Virgin offers a $100 cash back bonus when you make a deposit for the first time. This means you can make a $100 bet and get $100 refunded if it loses.

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Virgin Casino


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Whenever you play a round of baccarat you receive Trop Points. These points can be cashed in for different bonuses and gifts. It’s also possible to cash in these points for real money, which will be added instantly to your real money balance.

Tropicana offers a loss rebate of up to $100, just like Virgin.

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Tropicana Atlantic City


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Baccarat players will find the Borgata uses a simple interface that makes it easy to jump into your favorite game. They also offer a variety of different baccarat games for you to sink your teeth into. One of the best options they have for baccarat players is the dragon bonus, which you can find out more about earlier in this guide.

The Borgata offers live dealer baccarat tables that are open 24/7.

When you register for an account with the Borgata, you’ll receive $20 free in no deposit bonuses. The catch to this bonus is you can only play it on slots.

They offer a 100% first deposit match up to $600. It has a super low 10x wagering requirement!

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Borgata Online


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Live Baccarat

Live baccarat is exactly the same as ordinary baccarat, in terms of gameplay. The primary difference is you’ll play alongside a real dealer who will deal the cards.

You can play live dealer baccarat at these online casinos in New Jersey:

Through the chat window, you’ll have the opportunity to interact with them directly. It’s the closest thing to playing in a real land-based casino.

How to Play Online Baccarat

Online baccarat is a relaxing game anyone can play. The rules are simple, assuming you’re playing the most basic form of baccarat.

As mentioned above, only the numerical values on the cards matter and the aim of the game is to get as close to possible the number of nine. Face cards count for nothing and the ace card counts for one.

Betting in Online Baccarat

The game begins by placing your wager. Like all other online casino games, the maximum wager will depend on the casino you’re playing with.

There are three betting options. You can bet on the player to win, the banker to win, or a tie. Both the player and the dealer betting options pay even money. However, since the banker has a slightly lower house edge, all wins gained via the banker come with a 5% commission paid to the house.

The payout for a tie is dependent on the casino. In some casinos, it may be as high as 11:1 for a tie.

Managing Your Cards in Online Baccarat

The next step of baccarat is to deal the cards. The dealer will give the player two cards and give themselves two cards.

Remember that if you have a total of ten or over the left-hand digit is dropped. For example, if you received two nines your total wouldn’t be 18 it would be 8.

If you happen to receive a nine from the first two cards this is known as a ‘natural’ and is an automatic win. Some online casinos also have special offers where an eight card also counts as a natural. Unlike in online blackjack, though, you don’t get a bigger payout for hitting a natural.

In the event both the dealer and the player get a nine, the game is declared a tie. Unless you placed a bet on a tie you will lose what you wagered.

However, in some cases, there are additional cards that come into play.

If a player’s total from their initial two cards ranges between 0 and 5 the player gets a third card. If you hit a 6 or 7 then you have to stand. You have no choice in the matter.

Take note, only a maximum of three cards can be dealt out to the player during any round of baccarat, so after you receive the third card you must stand no matter what.

How the Dealer Manages Their Cards

The dealer manages their cards in a different way to the player. There are generally six possible courses of action a dealer will follow. The one they follow depends on what happens to the player’s hand.

So when does the dealer draw the third card?

  1. If the dealer has a total of two or less, they will draw a third card.
  2. They will also draw a third card if they have a total of three and the player draws a third card that isn’t an eight.
  3. In the event the dealer has a total of four, they’ll draw a third card only if the player draws a third card and is not a 0, 1, 8, or 9.
  4. The dealer draws another card when they have a five and if the player draws and they receive a 4, 5, 6, or 7.
  5. If the dealer has a six, they’ll only draw another card if a player’s third card is either a 6 or a 7.
  6. The dealer will always stand if they have a seven-card or higher.

In terms of strategy, does a baccarat player need to remember these rules?

The answer is no. These are technical rules that are interesting to know but don’t actually change how the player should act since the player has so few actions they can take anyway.

After any third cards are drawn, the dealer and the player compare hands and the person closest to nine wins. If they both have the same number, the round ends in a tie.

How to Win Baccarat

Now that you understand how to play online baccarat you’re likely wondering how you can increase your chances of winning at the game.

You may be surprised to learn online baccarat is one of the few table games in the casino that has no viable strategy associated with it. This is because you have no control over the outcome.

Unlike in a game of blackjack, you don’t have any decisions to make. The game makes the decisions for you. Due to that reason, you can’t lower the house edge.

The only real strategy is to always bet on the banker. This will give you the best odds at all times. Whatever you do, avoid betting on the tie.

Using Betting Systems to Increase Your Chances of Winning

Some baccarat players swear by betting systems to increase their chances of winning. The most prominent example is the Martingale betting system.

The truth is these betting systems are fundamentally flawed. They don’t increase the odds of the player making a profit.

If they did, everyone would be using them and the majority of casinos worldwide would have gone out of business decades ago.

Tips for Playing Online Baccarat

For newer players, playing online baccarat for the first time can be intimidating. Despite the fact that baccarat is an easy game to play, there are some ways in which you can make your playing experience more pleasurable.

The low house edge on the game also assumes you don’t make any bonehead mistakes and you play like a smart gambler.

Set a Bankroll

It’s easy to think the near 50-50 chance of victory means you’ll win one here and lose one there. House edges are only realized by playing thousands and thousands of hands.

All players will experience winning streaks and losing streaks. That’s why you need to set a bankroll before you start playing.

You should only be playing with a bankroll of about 20% of the total money you have deposited in a casino. That’s why you should avoid high-roller tables until you have the bankroll to effectively play them.

Make sure you know your limits before you even enter the game or a badly timed losing streak could wipe you out.

Know the Rules

You may already know the rules of basic baccarat, but there are variations. Some casinos may even have a unique set of rules you won’t find anywhere else. They may also have made alterations to the paytable.

Get into the habit of checking out the rules of the specific online baccarat game first, so you don’t get surprised later on.

Never Bet the Tie

This is perhaps the number one rule of baccarat. The house edge is so high that betting on the tie in baccarat is one of the least profitable bets in the casino.

Naturally, the house edge changes depending on the odds offered on a tie. The higher the payout the lower the house edge.

Nevertheless, the tie will always come with a double-digit house edge.

Ignore Streaks

So many online baccarat guides will talk about how you should react if you’re experiencing a streak. Whether this is a winning streak or a losing streak, letting it influence your strategy is madness.

Buying into streaks is known as the gambler’s fallacy. The gambler’s fallacy is assuming the previous outcome somehow influences the current outcome.

In an online baccarat game, this is even more relevant because the cards are reshuffled automatically after every round. There’s no way to count cards or to predict which card will come out next.

Don’t adjust your strategy based on short-term winning or losing streaks.

Online Baccarat Variations

Different casinos have decided to offer variations on the classic baccarat game. Many of these variations offer additional features to make the classic game more exciting.

European Baccarat

European baccarat is a slight variation to standard baccarat. The dealer and the player both have the option to stand or draw as they please.

This adds a different dimension to the game since in ordinary baccarat you don’t have these same choices. It makes baccarat a more skill-based game, in a similar vein as to blackjack.

With European baccarat, it’s wise to look up different strategies and odds before you play.

Winning bank bets still come with a standard 5% commission.

Baccarat en Banque

This variation of the game has three different hands in play. Although the rules of the game remain the same, the dealer has their hand and the player has two hands.

You only have the option to bet on one of two hands. You can’t bet on the banker’s hand.

The dealer is able to stand or draw as they please. However, they most often choose to play the same way as in classic baccarat. The difference is they can break those rules if they feel like they have a better chance of winning.

Chemin de Fer

Chemin de Fer is French for "railroad," so in some online casinos you may see this baccarat variation marketed as ‘Railroad Baccarat’.

The reason for the name is that the dealer is rotated among players. So in a land-based casino, the shoe would be passed from player to player, in the same way as a carriage moving along a railroad.

Every player takes turns in acting as the dealer. The players are either to stand on five or draw the third card. The dealer is able to play however they please.

This variation is less commonly found online as it requires a certain number of players to actually start the game.

Mini Baccarat

Baccarat was always traditionally played on large tables with multiple dealers and at least 12 players. Technically, every type of baccarat is mini baccarat as it’s typically only a single player and the dealer when playing online.

The only difference in mini-baccarat is there are more hands you can play per hour.

Progressive Baccarat and Super Baccarat

These types of baccarat come with additional side bets. These games give the player two chances to score a payout.

They can either win the bet or they can fulfill the rules of the side bet they make.

A progressive game involves winning the jackpot. The progressive jackpot continually goes up as more players play. In an online casino, this jackpot may be spread out across just that casino or across a network of associated casinos.

Super Baccarat is slightly different because you need to have a hand that ‘qualifies’ for the additional payout. Of course, the rules differ based on the casino and there’s no standard.

The question is should you play these games when you have the potential to win thousands of dollars for doing very little?

Despite how attractive these games look to the average player, they actually come with terrible house edges. The odds of you winning a progressive jackpot in baccarat are minimal. Furthermore, the side bets can quickly add up in value, so you’re spending more and more money without increasing your odds of winning the jackpot.

As entertaining as these games can be, it’s best to stick to the other variations of baccarat.

What’s the Best Bet in Baccarat?

Baccarat comes with one of the lowest house edges on the casino floor. For this reason, baccarat is attracting an increasing number of gamblers who want to win money.

Betting on the player in a baccarat game will yield a house edge of 1.24%. Betting on the banker has a house edge of 1.06%. This is why both options pay even money.

But what about betting on a tie to take advantage of those greater odds? The answer is to avoid betting on the tie at all times. Despite the higher payout, the tie has a house edge of 14.4%, meaning you’ll never win in the long-term if you place this bet.

From a purely mathematical point of view, you should always bet on the banker’s hand, even with the commission you need to pay.

However, it makes little difference to most players. Many players choose to switch between the player and the banker bet just to make the game more interesting.

Baccarat Terminology

Online baccarat has its fair share of terminology that is important to take into account. Some online casinos will also choose to use more traditional terms for different aspects of the game. This can be confusing for newer players.


Baccarat actually has a double meaning to it. Yes, it’s the name of the game you’re playing. It’s also the slang term used to describe a hand totaling zero. It comes from the French translation.


Many casinos will use the Spanish term ‘banco’ to describe the house. Sometimes it may be a term used exclusively for the dealer.


This is the amount of money available for you to bet with. Good baccarat strategy demands you have a good bankroll strategy.


Burning is applicable only to live dealer baccarat and land-based baccarat. This is where the dealer will remove the top three to six cards from the deck and discard them. It’s designed to make the game more random and to prevent card counting.


The casinos place a commission on banker bets in order to counter the low house edge that comes with the game. You’ll pay a 5% commission on all winning banker bets.

Dragon Bonus

Within some online casinos around the world, you’ll see something known as a dragon bonus. This is a type of side bet with a large payout. You win the dragon bonus side bet if your chosen hand wins by a minimum of four.

Face Cards

A slang term to describe the jacks, queens, and kings of any suit. In baccarat, the face cards have a value of zero.

Flat Bet

A flat bet is where a player always bets the same amount of money, regardless of the outcome of the previous bet.

La Grande

Used by some online casinos, this translates to ‘the big one’ and means you have a natural of nine.

La Petite

In the same vein as the previous term, la petite translates to ‘the little one’ and means you have a natural totaling eight.


Some players call a face card or a ten a monkey because in baccarat terms all these cards are worth nothing. Although the ten isn’t a face card, the one is the left-most digit and is always removed.


A pass means a win.

Punto Banco

Some people believe punto banco is a variation of baccarat. This is incorrect. It’s simply another way to describe the game of baccarat. Punto banco translates directly to ‘player banker’.


When a bet neither wins nor loses, the amount is then held for the next round of baccarat. Pushes are usually only a thing in online baccarat when you play with a certain casino or a certain variation of the game.


If you want to place the same bet on the next few hands, you can place a run bet. This will continually replace your bet and ‘run’ the requisite number of hands.


A slang term for the dealer in baccarat.


If you’re playing live dealer baccarat and speaking to other players, you may hear the slang term ‘skill’ used. Since baccarat requires practically no skill, this is a joke when someone is experiencing a winning streak.


When the player and the dealer are tied.

Is Online Baccarat Rigged?

All games that you play with a legal online casino are monitored by the state's gaming authority. That means they're checked to be sure that the games are properly random. The software uses a random number generator (RNG) to make sure that the games are legit and random.

Can You Play Free Online Baccarat?

You can definitely play baccarat for free. You can play in demo mode (with no money for winnings), or use welcome bonus dollars and earn from your winnings. 

Live dealer baccarat is not available for free, but minimum bets are as low as $1!

History of Baccarat

Baccarat is a card game dating back to the 1400s. Believe it or not, baccarat is one of the few popular card games we can confirm the origins of. The game was invented by a man named Felix Falguiere.

Baccarat acquires its name from the Italian word ‘baccara’, which means zero. The modern name of ‘baccarat’ is simply the French translation. It was the French version of the game that eventually caught on and made its way around the world.

However, baccarat hasn’t always remained the same. The Italian variation of the game involved four dealers. Every player had the opportunity to be the dealer, and the bets were placed both against the house and other players. It’s a big difference to today, where it’s always the player facing off against the house, represented by a single dealer.

Baccarat would make its way to France, England, and eventually the new world. It wasn’t until the 1950s, after the ascension of Fidel Castro in Cuba, that baccarat would be introduced to the American public via Las Vegas.

Although baccarat would never catch on as roulette and blackjack did, baccarat retains its legacy as the card game of the aristocracy (and James Bond).

It’s why many dedicated baccarat lounges around the world are elaborately decorated and designed for the comfort of the players.

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3 December 2019

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