Play The Best Baccarat Online Games

Want to play the best baccarat online games? This guide to baccarat will teach you all you need to know: from basic rules to strategy. We'll get you playing baccarat smarter and faster, so you can increase your odds at winning! Find the best casinos and bonuses for playing online baccarat.

Guide to Online Baccarat

Long worshipped by card game players even before there were casinos, baccarat is not as popular today as it once was. But many casino players still love baccarat, and we think you might too. It was, after all, James Bond's game of choice, so it's worth a close look.

Like roulette, baccarat is a game of luck, but it has some of the best odds out there for you. In most popular versions of baccarat, you cannot change cards, so you can only control your betting.

With a careful betting method, you can minimize your losses and go in for a bigger win. And that's just what successful baccarat players do.

Let's take a look at this expert baccarat advice and learn about its history.

What are the Best Baccarat Online Casinos in New Jersey?

You can play baccarat at nearly every online casino in New Jersey! But if you want some recommendations, here are our top choices.

Baccarat Professional Series by NetEnt: available at;

  • Golden Nugget
  • 888
  • Tropicana
  • Virgin

Live Dealer baccarat by Evolution Gaming Studios: 

  • 888 
  • SugarHouse
  • PokerStars

What is Baccarat Online?

Baccarat online is offered in two formats. You can play a computer software of the game (also called RNG (Random Number Generator), digital, or virtual baccarat).

Or you may play live dealer baccarat, which is filmed in a studio in Atlantic City.

Virtual Baccarat Online Games

The primary difference you'll find in virtual, RNG baccarat is between standard versus no commission baccarat. Generally, in standard baccarat, the casino deducts a commission of 5% from all Banker wins. But you still come out ahead in standard baccarat. 

Live Dealer Baccarat

You can find great Live Dealer Baccarat at a number of online casinos in New Jersey. These include:

  • Golden Nugget
  • 888
  • Borgata
  • BetMGM
  • Resorts

Live baccarat is so popular that some online casinos, like Borgata and Bet MGM, don't even offer virtual versions.

What is the difference between Live Dealer baccarat and RNG (Virtual) baccarat?

The primary difference is of course the live interaction. You can ask the dealers questions in live dealer baccarat. 

RNG stands for Random Number Generator. Software-based virtual baccarat has an RNG programmed within the game to guarantee that the cards pulled are random. 

With live baccarat, the cards are shuffled by a machine to be sure that the deck is fair.

The second major difference is that virtual baccarat is much faster. You don't have to wait for cards to be shuffled or dealt, and you're not waiting on other players to bet. 

You can also make smaller bets with RNG baccarat than with live dealer. 

So if you're wanting to play more hands or make smaller bets, RNG baccarat is for you.

How Baccarat Online Works

Baccarat is a simple game, particularly from the players' perspective. There are some rules about dealing, but the dealer is responsible for knowing those. This lets you concentrate on your end of the game.

The Basic Rules of Baccarat

At its base, the rules of baccarat are incredibly simple: try to get as close to 9 as you can without going over. Face cards (jack, queen, and king) and 10s are all worth zero, which is why the game was originally associated with that number. The numbered cards are all worth the number printed on the card, and aces are worth 1. 

If you go over 9 (say, if you're dealt two 9s), then 10 is subtracted from your total (18 - 10 give you 8). If either side is dealt an 8 or 9, that is a natural win for the owner of the 8 or 9. 

These are the basic rules of baccarat. 

Players stand on 6-9. When the player stands, the bank will draw on 0-5. If the player draws 0-5, they will be given another card. 

You can see why baccarat is so popular: the rules you need to know are quite simple, and there is very little strategy to learn in order to be a good player. 

Additional Baccarat Rules

The following rules are more involved. Many players do not take the time to learn these as it is the dealer's responsibility to deal according to these rules. Casinos and online casinos have the rules available at the table or in a window for you to consult. 

Neither the player nor the banker is allowed to choose when they are dealt another card. So there is no strategy - no good or bad decisions - that can be involved there.

If your third card is:

  • 2 or 3, the banker draws when they have a 0-4, and stays at 5-7.
  • 4 or 5, the banker draws when they have a 0-5, and stays at 6-7.
  • 6 or 7, the banker draws when they have a 0-6, and stays at 7.
  • 8, the banker draws when they have a 0-2, and stays at 3-7.
  • 9, 10, face-card or ace, the banker draws at 0-3, and stays at 4-7.

Again, the dealer will announce and play according to all of these rules. So many players enjoy baccarat for a long time without bothering to learn all the rules. Obviously, when you're playing online, you don't need to bother with memorizing these secondary rules. The software will automatically play according to them. 

Types of Bets and Odds

These are the odds of winning on an infinite deck with a 5% commission.


Event Probability Pay




Tie 0.095426 0



Event Probability Pay


Loss 0.446147 -1
Tie 0.095426 0



Event Probability Pay


Loss 0.904574 -1


Baccarat Betting Systems and Strategies

In baccarat, smart betting choices really affect how much you take away from the game. You do not make any decisions or have any role in the cards that are dealt.

You can control how much you bet, whether you bet on the strong bets. Also, you control whether you take bad bets.

Your baccarat strategy then revolves around making smart bets (and avoiding the bad ones). 

The Tie

Let's begin with the bad bet: the tie. This pays around 8x your bet (check your rules), which can be enticing. If you play the minimum at a $25 table, you walk away with $200...great! You know the odds are not in your favor, but how bad is it?

The tie bet has a 15% house edge, and that will eat up your bankroll fast if you're playing at a more expensive table. If you're feeling really lucky and have the money in your bank, no one will stop you. But there are some much better bets.

Betting on the Bank

For example, betting on the bank is a smart bet. Your odds are as strong as you'll find in any casino game here. In fact, they're so good that the casino charges a 5% commission on your bet. This is to recuperate the losses they're anticipating. It is a safe bet, but one where you'll continuously lose that 5% if you win, plus your entire bet if you lose. 

This 5% commission is not charged in some online baccarat games. With games of luck like baccarat,  you want to minimize your disadvantage; that is the strategy. Picking the right table - i.e., the table with the lowest house advantage - is the way you put yourself forward. 

Standard Baccarat Payouts

These are the payouts for wins on standard (as opposed to no commission) baccarat. 

Player Winning Hand pays even money (1:1)
Banker Winning Hand pays even money (1:1)
Tie Bets pay 9:1
Player and Banker Pair Side Bets pay 12:1

Tips for Winning at Baccarat

Baccarat is an interesting game because its nearly entirely luck-based. So there’s little you can do to influence the outcome of the game.

However, there are still some cardinal rules that can shift the odds in your favor.

Never Bet on the Tie

There are only three bets you can make in baccarat. You can bet on the player, the banker, or the tie. The one bet you never want to make is the tie.

Two of these three bets have a house edge of around 1%. The tie has a house edge of around 14%.

Always Bet on the Banker

It’s a fact that the banker will win the round of baccarat 50% of the time. This is why many casinos charge a commission on bets that go to the banker.

Despite this, it still makes sense to bet on the banker. Some guides advocate switching between the two, but a player who places every bet on the banker will win more than the player who keeps changing.

Avoid Baccarat Variations

The single best version of baccarat you have is the standard version. In recent years, other variations of baccarat have started to enter some online casinos in New Jersey, such as mini-baccarat.

Stay away from these variations as the house edge is always higher than the original game.

Play baccarat free today!

Why Play Baccarat Online Instead of in a Physical Casino?

Baccarat is a casino classic, but many land-based players are increasingly turning to online baccarat. The reasons include:

  • Play from home
  • Beat the house with a bonus
  • Online baccarat is faster, allowing more games and betting
  • The minimum bet can be smaller in online baccarat
  • Smarter playing through online baccarat
  • Decreases your overall spending

Play from home

Playing baccarat from home is certainly convenient. But there are other reasons to play online as well. 

Playing online versus in a land-based casino lets you decrease your overall spending. No spending money on transportation, drinks, or tipping. Keep all that in your back pocket, or place it in your bankroll. Smart players know any money you give to the house contributes to your losses that night. Play online and decrease the house's edge!

Start Out Winning with a Bonus

The best way to end ahead in baccarat is to start ahead! A bonus from a casino gives you a head start on the house. Online casinos compete for baccarat players by offering welcome bonuses. You can get bonus dollars to play and win with! 

Online baccarat games are faster

Online baccarat games are faster than casino games. This is for several reasons, including:

  • lack of time taken to physically deal cards and announce all the sums
  • lack of banter with the dealer and other players
  • not needing to wait for all players to place down their bets 

So online casinos give you many more opportunities to place bets, which is important if you are using a long term winning strategy.

Smaller minimum bet

Another major difference is the minimum bet amount. Casino baccarat tables can be a bit unwelcoming as they usually have minimum bets of $20-25. Many players put down more than that per bet. Online baccarat will allow you to place smaller bets, which granted provides smaller wins, but it is great for two reasons.

First of all, smaller bets are perfect when you're learning to play the game. Much better to learn at $.25 per lesson than $25 per lesson. Second, if you are using a strategy that will accrue wins overnight, over weeks, or even over months, it's certainly better if your losses are with lower bets.

Why Play Live Dealer Baccarat Online instead of in Physical Casino?

If you want that live casino feel while you're at home, try live dealer baccarat. This gives you a real dealer, and you'll be playing with other real players. 

Live dealer baccarat identifies the number of decks in the shoe. You can still have all the betting options you would at a casino. You can chat with the dealer to ask any questions about the game or casino. 

Two major advantages of online live dealer baccarat over baccarat in a land-based casino are:

  • You can place smaller bets.
  • There's always a table available for you!

Play Live Dealer Baccarat now!

Is Online Baccarat Legal in New Jersey?

Yes, you can play online baccarat 100% legally in New Jersey. All of the casinos we list are legal.

This means you can use your credit card for payments and receive payments legally.  You also have 100% legal protection as a consumer. 

Are Online Baccarat Games Rigged?

Every legal online casino operating from New Jersey must obey New Jersey state laws. Online baccarat games are regulated by the Division of Gaming Enforcement

Can You Play Online Baccarat for Free?

Yes, you can play online baccarat for free. Just use a bonus from an online casino. Grab a bonus from one of the links on this page, which can let you play online for free with a casino bonus. 

You can also try out baccarat by playing in demo mode. However, you cannot win money in demo mode. 

Card Counting in Baccarat Online 

There can be no illusion of card counting in online baccarat. The cards are generated completely at random (or, if you want to think of it this way, you have a show with infinite decks).

Even among players who do not consider themselves card counters, there still is a tendency to play as if you were counting cards in a physical casino table. This can lead to some really bad bets due to a false sense of security (this is related to the Gambler's Fallacy below). 

Gambler's Psychology in Baccarat

In baccarat, it is important not to fall into bad bets. As mentioned, the Gambler's Fallacy is due to a false sense of security in what will (or must) come next based on what went before. For example, saying "Ties come in pairs" is statistically unlikely even though sone gamblers swear by it. 

But keeping your bankroll in mind is also a very important aspect of your gaming psychology. Stupid bets happen when you're distracted because you're trying to calculate your bankroll. And even stupider bets happen when you're trying to salvage yourself after betting beyond the bank you've assigned yourself for the night. 

History of Baccarat

The name "baccara" means "0" in old Italian, and most gambling historians agree this is the source of the name. Baccara, as we call it today, historically had slightly different rules, which makes it difficult to pin down a precise point of origin. There was a game very much like baccarat being played as early as the 15th century in Europe. By the 19th century, we know that baccarat was being played fanatically in certain circles in France. 

The version played in France was called baccarat banque (bank), and it corresponds to what we call Chemmy (short for Chemin de Fer) today. Chemin de Fer is French for "railroad track," and it was called that because of the way the shoe (the device that holds the cards) was shuttled between players like a train on a railway.

With Chemmy, unlike the versions of baccarat, you'll find online, players take turns being the bank. So when you watch an older James Bond film and they're playing baccarat, it's usually a version of Chemmy, which is why they're (seductively) dealing the cards and passing the shoe around. 

The most common version of baccarat in the U.S. is Punto Banco; however, you'll rarely see this name used. Almost always, when you see the name baccarat in a U.S. casino (online or brick and mortar), they're playing punto banco. In the following sections, those are the rules and strategies we'll focus on. 

Types of Physical Baccarat

There are 3 primary varieties of baccarat:

  • Chemin de fer (or Chemmy); the oldest form
  • Punto banco (also called American baccarat): the basis of online baccarat
  • Baccarat banque (or à deux tableaux)

All of these variations of baccarat max out or bust 9, but they have different roles for the players. See the rules below for details.

Most online baccarat will simply be called baccarat. It will operate according to punto banco rules.


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