Best Baccarat Casinos in 2023

Verified by Lee James Gwilliam

Finding online baccarat casinos takes patience and knowledge. Sure, there are tons of online casino sites, but not all of them cater to baccarat players. That is where we can help. Our industry experts have found the best online baccarat sites that deliver the most game choice, lucrative bonuses, flexible payments, and security. Head below to see our top casinos to play baccarat online. 

Best Real Money Baccarat Casinos for 2023

There are plenty of real-money online baccarat sites available in the US, allowing you to enjoy the game and access generous casino welcome bonuses from your desktop or mobile. Below are our top picks for the best casinos to play baccarat online.

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How We Pick the Best US Baccarat Casinos Online

With so many online casinos available, choosing the best site can be a challenge for new online baccarat players. But don’t worry – we’re here to help by connecting you with the top baccarat casinos in the US. Each online casino we recommend has been through our strict review process. Because our team is made up of casino industry experts, we can fairly and accurately rate casinos across a range of criteria, including the following essential factors:

Safety, Support, and Licensing

This all-encompassing category covers how secure online baccarat casinos are, the level of customer care they offer, and whether operators provide fair gameplay. For one, all of the casino sites we list hold valid licenses in each state in which it operates. By ensuring this, we only recommend regulated casinos that allow their games to be independently tested for random outcomes. Our reviews also cover the customer support experience, including whether live chat – ideally 24/7 – is available. 

Quality of Game Selection

For most players, the quality of games is the number one priority when picking a casino to play baccarat online. While baccarat is popular, it is not as common as blackjack, poker, and roulette at online casinos. That means choosing an operator with as many baccarat variants as possible is essential. We find those casinos that love baccarat and give players plenty of options. Moreover, the iGaming sites we highlight have many other casino games, including live dealer tables. 

Variety of Payment Options

Online casino players will say that having as many deposit and withdrawal options is a good thing. People value flexibility when visiting an online casino, so it is crucial that operators cover as many casino payment methods as possible. When we review an online baccarat site, we check payment options, deposit/withdrawal limits, and cash-out times. 

Online Baccarat Bonus Types

You will find bonuses for new customers and ongoing players when you visit an online casino. These promotions always have flashy numbers to attract players, but you should always ask: “Does the bonus offer good value?” You can always pick up bonuses at online baccarat casinos, but there are considerations you need to make. 

While bonuses are common, some may not include baccarat. For example, a free spins promotion is specifically for online slots. Even so, you can use your bonus winnings to play baccarat games. Deposit matches, no deposit bonuses, welcome packages, and refer-a-friend deals do often welcome baccarat players. Some casino operators will also have special live casino promotions, which allow you to boost your bankroll playing live dealer baccarat.

Bonus Terms for US Online Baccarat Players to Consider

Most online casinos have headline-grabbing bonuses that promise lucrative rewards. However, not all promotions are the same, and those generous numbers can sometimes be too good to be true. That is why reading the terms and conditions of any bonus you are interested in is essential. Checking through the fine print helps you decide if the offer is ideal for online baccarat and has fair terms that you can meet. 

Because most bonuses are deposit-based, you will be risking your own bankroll. You’ll deposit and bet money to claim the promo. A casino will offer a percentage match on the deposit you make, such as a 100% match on deposits up to $500. Needless to say, the deposit percentage match is essential to help you understand if you are getting a good deal. 

Another critical piece of information to look for is the wagering requirement (WR). This number highlights how much you need to play through your deposit and/or bonus amount before you can cash out the bonus winnings. An example is a WR of 25x the deposit amount. If you deposit $100, you must wager 25 x $100 = $2,500 before cashing out bonus winnings. 

There are other bonus T&Cs that you should always check:

  • Baccarat game contributions to wagering requirements: A portion of bets you make goes towards meeting the wagering requirements. In most cases, 100% of your bets on slot games will contribute to the WR. However, table games like baccarat have lower contributions, anywhere between 0% and 50% depending on the casino.
  • Whether table games or live games are excluded from the casino bonus: Related to the contribution/game weighting, some casinos may exclude table games or live casino games. This may be because it is a free spins promo for slots. Either way, checking will let you know if you can play baccarat online to claim the casino’s promotion.
  • Are any payment options excluded: Some online baccarat casinos – but not all – restrict which deposit methods players can use for a bonus. The most commonly excluded payment methods are e-wallets like Skrill, but there may also be others. Alternatively, the casino site you choose may not have any payment restrictions.
  • Time limits to claim the bonus and work off the wagering: You will typically see two different time limits when reading the bonus small prints. This first is how long you have to participate in the bonus once you register for a site. The second highlights how long you have to meet the wagering requirement once you begin your participation.

Play Baccarat on Mobile

In our connected age, mobile devices have become our primary source of access to the internet. Unsurprisingly, the online casino industry has become more mobile-friendly in recent years. Many players now prefer to access a casino and play online baccarat from their smartphones and tablets. Each operator we review has a mobile-compatible website that users can access on their mobile browsers. Sites are built on HTML5 technology to transition to the screens of mobile devices and enhance the UI for mobile players. 

For a more bespoke experience, many casinos have a dedicated casino app you can install on iOS or Android. You get a completely unique user experience built specifically for mobile users while having access to notifications and perks such as better connectivity, smoother performance, and reduced battery drain.

How to Play Baccarat Online in the US

Once you’re ready to explore one of our selected online baccarat casinos, follow the steps below to register, claim your bonus, deposit, and start playing:

  1. Pick one of the casino operators we recommend on this page. Click the accompanying link to go straight to the baccarat site.
  2. Select the register button on the homepage, which will usually be in the website’s top right corner.
  3. Register by providing your personal details, such as your name, date of birth, Social Security Number, email address, and location.
  4. If your online casino requires online casino promo codes for the welcome package, you can enter it during sign-up. If not, simply complete the registration.
  5. Once your casino account is open, head to the cashier section to find a list of payment methods. Choose the option that suits your needs and make the deposit.
  6. With your account funded, navigate to the game lobby to find baccarat games. You can find variants under the “Table Games” tab, but there are also online live casino options which you’ll find in a separate “Live” section of a casino.

Live Baccarat Online vs. RNG

Baccarat – as well as many other casino games – is available in RNG or live dealer variants. Gameplay is very similar, but the overall experience is vastly different, so it is worth knowing the pros and cons before you start playing. Essentially, you can either play an automated game that uses random number generator (RNG) software or play a game that has a human dealer and streams from a remote location.

Here are the advantages and disadvantages:

RNG Baccarat Games Pros and Cons

Advantages
Play for free in demo mode
You control the speed of play
Fewer bonus limitations
Lower-stakes games are available
Massive variety of games
Disadvantages
You will play alone against a computer
No interactions with dealers or players
RNG table games can become repetitive
Not many new RNG games are available

Live Dealer Baccarat Games Pros and Cons

Advantages
Authentic casino and gameplay experience
Real-time gameplay with random results
Interact with players and other dealers
Real equipment used in games
High-quality live streams
Disadvantages
No free demo play
Not always included in bonuses
Live games take more mobile data
Games are slower than RNG alternatives

Free Online Baccarat

Did you know that you can play baccarat online for free at top casino sites? Almost all operators allow players to access demo versions of their baccarat games in addition to their free slot games. Playing games for free has plenty of benefits. For example, you can practice a new baccarat variant or perfect your betting strategy without risking your own bankroll. Or, you can simply play for fun. However, there are several downsides to consider, such as you cannot win real money, and live dealer games are not available for free play.

Online Baccarat Game Variations

Baccarat is one of the most popular games, so online casinos usually stock many variants. Dozens of software providers make online baccarat games, and there are different versions of the classic game to explore. Each variant has its own unique twist, so let’s take a look at the most popular baccarat games:

Punto Banco

Punto Banco is a baccarat variant that is easy to learn and play. You only bet against the Banker and let the dealer handle the game. The house edge is 1.17% for the Banker, 1.36% for the Player, and 14% for the Tie.

Baccarat Banque

Baccarat Banque is a variant that adds some extra baccarat game rules. The banker role is sold to the highest bidder. The player who wins a round can choose to be the banker. This variant uses only three decks of cards, not 6-8 like others.

EZ Baccarat

This variant takes the standard baccarat game we all love but removes one of the more frustrating elements. EZ Baccarat online deducts the 5% commission that players are charged when they win a Bank bet.

Baccarat Chemin De Fer

Chemin De Fer (French for “railroad”) is a variant close to Punto Banco but has some key differences. For example, the player can pick the Banker and can decide if the Banker or Player should get a third card (when tied under 8). The house only makes money from the commission to the dealer.

Mini Baccarat

Mini baccarat is a simplified version of the casino game baccarat. It is played with a smaller number of decks of cards and a smaller table, making it more affordable and accessible to players. Mini baccarat is also faster-paced than traditional baccarat, making it a popular choice for players who want to get in and out of a game quickly.

Baccarat Terminology

  • Action: How much money is bet over a single round or full session. 
  • Banco: The Spanish word for “Bank” who is essentially the dealer in baccarat.
  • Banker Bet: One of the three main baccarat bets, you bet on the banker’s hand to win. It pays 1 to 1 but has a 5% commission taken from winning bets. 
  • Coup: A French word that essentially means a single round of baccarat play. 
  • Down Card: A card that sits face down and cannot be seen (known as the “hole card”)
  • Face Cards: One of the Jack, Queen, or King cards. 
  • La Grande: “The Big One” is the best hand in baccarat – a natural 9.
  • La Petite: “The Little One” is a smaller hand that is a natural 8. 
  • Natural: If the first two cards in baccarat are an 8 or 9, this is known as a natural. 
  • Punter/Punto: The player in a baccarat game.
  • Player Bet: One of the three main bets in a baccarat round. 
  • Tie Bet: The last of the three bets with a payout of 8 to 1 (or 9 to 1 in some variants). 

US Online Baccarat Rules

Baccarat is a game that can seem simple at first glance but also has some intricacies for more advanced players. The goal of each baccarat game is for the player to predict the outcome of the game correctly, specifically, who is holding a hand of the highest hand up to a value of 9. 

There are three possibilities: Bank, Player, or Tie. You use chips of different values (virtual chips if you play online) to place your bet. The cards have different values in baccarat rules: cards 2 to 9 are worth their face value, an Ace is worth 1, and 10s and face cards (Jacks, Queens, and Kings) have no value. 

Baccarat Bets

Baccarat has three main bets: Player, Bank, and Tie. Betting on the Bank is considered the best wager in online baccarat because it has the lowest house edge. It pays out at 1:1 but does have a 5% commission on winning bets. The Player bet is also a 1:1 wager, but the Banker bet is usually favored amongst players. As for the Tie, you are wagering on both the Play and Bank having the same card value. It pays at 8:1 and 9:1, but the house edge is a massive 15%, which is why players call it a sucker bet.

Baccarat Strategy

There is a level of strategy involved in baccarat, and because some bets payout at 1:1, the game is one of the best for betting systems. Importantly, no strategy will guarantee wins because online baccarat is ultimately a game of luck. Even so, trying one of the following systems may help you manage your bankroll or just have some extra fun:

  • Fibonacci System: Based on the Fibonacci Sequence that adds two previous numbers together, a betting system would look like this: 1-1-2-3-5-8-13-21 and then continues indefinitely. In the betting system, you move to the following number after a win or start again if you lose. 
  • Martingale System: While this is more popular for Roulette, it also works on baccarat. Here it would help if you had a solid bankroll because the Martingale demands you increase your bet after a loss. In fact, you need to double your previous stake when you lose and start again when you win. 
  • 3-2 System: An excellent system for budget players, the 3-2 involves betting with 5 units and betting 3 units on the Bank and 2 units on the Player. You are winning each round but in the hope that the Banker bet wins and pays out. 

History of Baccarat

While the history of baccarat is open for debate, the game’s origins are said to come from Italy. Over 500 years ago, Italian aristocrats started playing a new card game, with a man named Felix Falguiere starting the trend and calling the game “baccara”, which is Italian for “zero”. As the game became more popular and spread worldwide, the French spelling “baccarat” was adopted. 

Since those early days, baccarat has become popular in the United States and China before becoming a casino table game staple during the 20th century. Of course, the infamy of baccarat took on a new level when it became the casino game of choice for 007 James Bond during the iconic 1960s spy movies. The advent of online gaming in the 1990s allowed baccarat to become a game people could enjoy everywhere. 

Meet the editor

Emma Trotter
Emma Trotter Editor

Emma Trotter is a Senior Editor at Casinos.com. Emma has worked as a staff writer and editor for nearly two decades, extensively covering celebrity news and the Las Vegas entertainment, casino and tourism scenes. She spent several years in in-house roles at Caesars Entertainment and Wynn Las Vegas before stepping into iGaming affiliate site content.

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