Online Baccarat: Best Baccarat Sites in 2026
Online baccarat is a fast-paced card game that is incredibly easy to learn, making it an excellent option for beginners.
This guide will walk you through the basics of playing the game, and show you some of the best sites to play baccarat online.
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- What is baccarat?
- How do baccarat card values work?
- What are the three baccarat bets?
- The third card in baccarat games: When is it drawn?
- Pros and cons of online baccarat games
- How to play baccarat at an online casino: Step-by-step
- Try free online baccarat games at these gaming sites
- Final thoughts on the baccarat gambling game
- Baccarat games FAQs
What is baccarat?
Online baccarat is a fast-paced card game with fairly simple mechanics, making it easy for beginners to pick up. In the game, you bet on which hand will end closest to a total of 9. However, unlike online blackjack and other table games, you’re not actually betting against the dealer. Instead, you’re betting on one of three outcomes:
- Player
- Banker
- Tie
Two hands are dealt each round for both the Player and the Banker, and whichever total is closer to 9 wins.
How do baccarat card values work?
One of the biggest reasons that baccarat games are so beginner-friendly is the simple scoring system. Unlike games such as poker, there’s no hand-ranking hierarchy or complex decision making. You’re just aiming to get as close to 9 using the following card values:
- Aces = 1
- Cards 2–9 = Face value
- 10s, Jacks, Queens, Kings = 0
How do you calculate totals above 9?
What makes things even easier in online baccarat is how the totals are calculated. For example, if the total value of a hand goes above 9, you simply drop the first digit and keep the last one. This means you don’t have to worry about busting or receiving a penalty for high totals. Here are a few examples of different hand values when combined:
- 8 + 2 = 10, which means your hand value becomes 0
- 9 + 6 = 15, which means your hand value becomes 5
- 7 + 6 = 13, which means your hand value becomes 3
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What are the three baccarat bets?
Since you’re not actually playing the hand yourself in baccarat, you will need to bet on one of the three outcomes previously mentioned. The Player and Banker bets are the most common, as they offer the biggest probabilities of success. The Banker bet actually wins slightly more often, but the cost of this is a 5% commission, which evens the playing field again. Moreover, tie bets are less popular, but their significantly increased win potential makes them an interesting option for players open to more adventurous strategies.
Here’s a quick summary of what you can expect:
| Baccarat bet | How to win | Potential win | House edge |
| Player bet | Wins if the Player's hand beats the Banker's hand | 1:1 | 1.24% |
| Banker bet | Wins if the Banker's hand beats the Player's hand | 1:1 minus 5% commission | 1.06% |
| Tie bet | Wins if both hands have the same total | 8:1 or 9:1 | 14%+ |
The third card in baccarat games: When is it drawn?
When you play the baccarat casino game, most rounds will end with two cards for each the Player and Banker. But this isn’t always the case. If the Player’s first two cards total 0–5, a third card is automatically drawn. This ultimately gives the Player a better chance of success, as it’s another attempt to get closer to 9. That said, the Banker can also draw a third card, but the rules get a little more complicated here, as it depends on a combination of the Banker’s current total and the value of the Player’s third card.
Pros and cons of online baccarat games
Here is a quick summary of the pros and cons of baccarat games online:
How to play baccarat at an online casino: Step-by-step
Baccarat is similar to online craps, as it’s a super-simple game to learn, so the hardest part will actually be finding an online casino that meets your needs. The good news is that I, along with the team at Playboy Casino, have reviewed thousands of top casino sites, so you can easily find something that works for you. Once you’ve created an account, just follow these steps:
- Choose a baccarat game at your online casino
- Set your stake
- Place a bet on Player, Banker, or Tie
- Watch the cards deal automatically
- Collect winnings if your bet win
Try free online baccarat games at these gaming sites
Real money online baccarat games are restricted to some US states. That’s why I prefer to recommend sweepstakes casinos like Stake.us, Crown Coins Casino, PlayFame, and SpinQuest. These sites are significantly more accessible across the United States, and you can play baccarat games for free using virtual currencies. Here’s a little more about each brand:
Stake.us – Virtual and live baccarat games available
Stake.us Details
You can register at Stake.us using my exclusive promo code to claim up to 560,000 Gold Coins, 56 free Stake Cash, and a 3.5% rakeback on your losses. This sweepstakes casino features more than 1,400 casino-style games for you to explore, including an impressive selection of baccarat games.
My favorite baccarat game to play here was actually produced in-house, under the Stake Originals banner. But you can also find live baccarat games from software providers like Evolution Gaming, Iconic21, and Live88.
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Crown Coins Casino – Generous welcome offers
Crown Coins Casino Facts
The free welcome bonus at this sweepstakes casino includes 100,000 Crown Coins and 2 Sweeps Coins. Plus, first-time voluntary Gold Coin purchases can get you a match bonus of up to 200%. This means you can purchase 900,000 Crown Coins for $14.99 and get 45 free Sweeps Coins.
As you explore the games collection at this site, you can find a wide variety of table games, including online roulette, baccarat, and blackjack. The official website is optimized for mobile play, so you can enjoy these games whether at home or on the go. Plus, the site is super easy to navigate on any device type, making it easy to find what you’re looking for.
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PlayFame – Use Sweeps Coins winnings to redeem prizes
PlayFame Highlights
If you’re looking for games similar to what you see on live dealer casinos, then PlayFame is a decent option. Plus, you can get started with a free sign-up bonus of 7,500 Gold Coins and 2.5 Sweeps Coins. In my opinion, the best game on this site is Grand Bonus Baccarat, which is a live dealer game supplied by ICONIC 21. But you can find a variety of alternative live dealer games, including game shows, blackjack, and roulette.
It’s also worth noting that the redemption requirements are very reasonable. As a verified player, you can redeem 10 redeemable Sweeps Coins for a gift card or 75 redeemable Sweeps Coins for a cash prize. Since Grand Bonus Baccarat has a high RTP, it’s a solid option for hitting the 1x playthrough requirement required for a redemption.
SpinQuest – Interactive live baccarat games
SpinQuest in the spotlight
SpinQuest also offers several live baccarat games supplied by ICONIC 21, including Live Baccarat, Grand Bonus Baccarat, and No Commission Baccarat. Each game has an interactive live chat so you can communicate directly with your host and other players. Plus, the 100,000 Gold Coins and 2 free Sweeps Coins welcome bonus make it easy to get started.
At this sweepstakes casino, you can also expect a variety of ongoing promotions, ensuring you can maintain a healthy balance for baccarat gaming. Some of the most popular promotions include a daily login bonus, social media giveaways, and a commission-based referral program.
Final thoughts on the baccarat gambling game
There is a lot to like about baccarat, including how easy it is to pick up and start playing, even as a complete beginner. The rules and mechanics are simple, but the fast pace of each round helps to keep things feeling exciting. Moreover, the low house edge on Player and Banker bets provides good value, while Tie bets offer something for those feeling a little more adventurous.
However you choose to play, just make sure you pick a reputable online casino. You can find some of the best examples in the banners on this page, and you can follow my links to get started.
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| Online Roulette | Online Slots |
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Baccarat games FAQs
What are the main bets in baccarat?
The main bets are Player, Banker, and Tie. Player and Banker have lower house edges, while Tie offers a higher payout but comes with much greater risk.
Can I play baccarat on mobile?
Yes, most online casinos are fully optimized for mobile play, and many offer apps for iOS and Android.
Is online baccarat safe to play?
Yes, as long as you play at licensed and regulated casinos. You should also look for sites that offer baccarat games from reputable software providers who regularly audit their random number generators to ensure fair play.
