Top 5 Online Baccarat Sites for Real Money

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Despite being one of the oldest games in existence, baccarat is still wildly popular more than 500 years after its creation. It has been traced all the way back to Italy in the 1400s, and the rules have not changed much since.

In recent years, the popularity of online baccarat has continued to grow due to the emergence of online casinos. Most prominent online casinos now offer live dealer games, which has greatly contributed to this trend. 

Here are five places to play legal online baccarat for real money, plus a few resources.


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Where to Play Online Baccarat

Caesars Palace Online Casino logo

Caesars Palace Online Casino

The legendary Caesar’s brand recently launched an upgraded Caesars Palace Online Casino and App. Improvements include a proprietary gaming platform, an enhanced rewards program and a larger library of games.

BetMGM Casino

BetMGM Online Casino

  • Read our BetMGM Casino Bonus Code and review
  • Bonus Offer: Use promo code ACTION2500 to Get a 100% Deposit Match up to $2500 + $50 on the House!
  • Available States: Michigan, New Jersey, Pennsylvania, and West Virginia

Ask any casino writer what the top internet gambling sites are, and he’ll name BetMGM as one of the best. The award-winning online casino is EGR North America’s Casino Operator of the Year for the third time in 2023.

bet365 logo

bet365 Online Casino

For a small online casino, bet365 has a large selection of table games. While most online casinos focus on slots, nearly a quarter of the titles on bet365 fall under the table game category.

FanDuel Casino logo

FanDuel Online Casino

Bring the excitement of a casino to your desktop or mobile device with Fan Duel’s unrivaled Live Dealer experience. Players can try their luck at blackjack, roulette, baccarat and other casino-style games, 24/7.

Borgata Casino logo

Borgata Online Casino

  • Read our Borgata Casino Bonus Code and review
  • Bonus Offer: $20 no deposit bonus + 100% first deposit match up to $1,000 using code ACTIONBCASINO.
  • Available States: Pennsylvania and New Jersey

Borgata leaves the rest of the market in the dust with its vast selection of around 2,000 slots, Live Dealer and table games. The library of games contains half a dozen types of virtual and Live Dealer baccarat.

Online Baccarat Strategy

Today, Baccarat is a mainstay in the high-limit rooms of most brick-and-mortar casinos. The game made famous by beloved British spy James Bond is increasingly popular in online casinos. The majority of online casinos are now offering high-stakes baccarat games which are attracting high rollers to the online scene in droves.

Basic Rules of Online Baccarat

Players must bet on one of three outcomes: the banker wins, the player wins or for a tie. When he correctly picks the winner, the player doubles his money, regardless of whether his hand beats the banker’s. In addition to the standard bets, there are a number of side bets available, the most notable being the Dragon bet. Dragons typically pay out 30-1 and are achieved when a player wins their primary wager by a significant margin or receives a “natural” win.

Once the player makes his wager, the banker deals himself and the player two cards face up. No matter how many players are seated, only two hands are dealt. There’s a real sense of camaraderie at the table because everyone plays against the dealer. While baccarat’s a social game, the serious partying takes place at the craps table.

How to Win at Online Baccarat

The winning hand is the one that comes closest to nine without going over. If either the player or dealer is dealt a hand totaling eight or nine, it’s called a natural and he wins the round. If both hands total eight or nine, it’s a tie. When the cards add up to anything other than eight or nine, the banker consults a rule book to dictate the next move. A third card will be drawn under specific circumstances including the ones below:

  • Player hits when his hand totals five or less
  • Banker hits when player stands & his cards add up to five or less
  • When player’s hand totals two or three, banker draws with 0 - 4
  • When player’s cards add up to four or five, banker draws with 0 - 5
  • Neither hand is ever dealt more than three cards

Hand Values In Online Baccarat

Baccarat is played with six to eight decks of playing cards. The value of all Kings, Queens, Jacks, and Tens in baccarat is zero. For instance, if you’re dealt K-4, the King has a value of zero which leaves you with four. The value of an Ace is one point. Except for tens, each numbered card holds its numerical value. If any two cards add up to 10 or more,10 is subtracted from the total.

Online Baccarat Strategy

Because a bet on the banker has the lowest house edge, the casino charges a 5% commission. Despite that, betting on the banker is your best strategy. Your odds of winning drop by about 1% when you bet on the player. You might be tempted to bet on a tie because of its healthy payout ratio, but try to resist because the house edge is too high to overcome. 

Bets Odds House Edge Payout Ratio
Player 44.62% 1.24% 1:1
Banker 45.85% 1.06% 1:1 - 5%
Tie 9.53% 14.36% 8:1

Complex Rules of Online Baccarat

It is not difficult to comprehend and play Baccarat consistently, but there are a few rules that are more complicated than those outlined above. 

As an example, it must be noted that if either the banker or player has a total of exactly eight or nine, he or she would stand. If the player’s total is less than five, they must draw another card. 

Online Baccarat Resources

Before you embark on your online Bacarrat journey, be sure to check out our additional resources to help prepare you before it's time to play.

Online Baccarat FAQ
Where is online baccarat legal?
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Can I play baccarat online?
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Is there more than one type of baccarat?
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What is baccarat?
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What is midi-baccarat?
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What is mini-baccarat?
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Is online baccarat a skill-based game?
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Is it possible to gain an advantage over the casino in baccarat?
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What’s the best bet in baccarat?
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Should I bet on a tie in baccarat?
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Is baccarat hard to learn?
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How much do I get paid when I win a hand of baccarat?
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Where did baccarat originate?
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What is the best hand in baccarat?
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Should I risk money wagering on side bets?
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