Legal USA Online Baccarat

USA Casinos

If you’re looking for legal online baccarat, you don’t have many domestic options to choose from, as there are only a handful of states with active online casinos. However, anyone in the US can actually play baccarat online for real money by joining a reputable offshore casino site.

Our goal is to provide legal online betting information to prospective baccarat players who are looking for the ultimate in convenience, security, and fair play. Fortunately, all the top offshore casinos we recommend fit the bill, and their reputations are undeniable. These sites support US baccarat players from nearly every state, and playing with these operators is both safe and legal.

To learn more about baccarat and how to play the game over the Internet from the comfort of your own home, read on!

Top Rated Legal Online Baccarat Sites For USA Players

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Bovada Sportsbook And CasinoRead Review100% Max $3,000Play now
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Is Playing Online Baccarat Legal In The US?

In the US, there are only three states which currently offer state-sponsored and regulated online gambling: Delaware, New Jersey, and Pennsylvania. Unfortunately, that means that the majority of Americans cannot access these few US options, as the Wire Act of 1961 prevents interstate gambling via phones and Internet systems.

However, the Wire Act and other US gambling laws do not apply to offshore casino sites, and US gamblers are able to legally access these venues.

Exceptions include those living in the states of Washington and Connecticut, which nominally bar all forms of online gambling. However, these laws are historically unenforced, and those states are home to tens of thousands of online baccarat regulars. Still, please abide by all local laws and proceed only at your own risk if you live in WA or CT.

Banking Options

“Banker” isn’t just a hand in baccarat – it’s also an important consideration when you join any offshore gambling site. After all, how you get your money into your account determines how much you can transfer and how soon you can play. While all the top sites take multiple banking options (wire transfers, money orders, credit cards, cashier’s checks, etc.), we recommend using Bitcoin.

Bitcoin transfers have no added fees, are nearly instantaneous, come with the biggest casino bonuses, and have 100% reliability ratings. Additionally, Bitcoin is the only same-day payout option at offshore betting sites, but withdrawing in cryptocurrency requires you to first deposit using the stuff. If you’ve never used Bitcoin before, we recommend using Zelle to purchase Bitcoin.

Mobile Baccarat

The Internet casinos we list here all offer access to their baccarat games from both PC and Mac devices, but they also deliver responsive mobile gaming to your portable devices.

This means that no matter what device you use to play online baccarat, your experience will automatically be formatted to fit the display resolution and screen size of that device. This works for iPhones, Androids, Windows Phone products, and even off-brand phones and tablets. All you need is a modern web browser and an Internet connection!

All that said, bear in mind that you won’t find an actual offshore casino app on the App Store or in Google Play. This is due to Apple and Google corporate policies, but it’s also why the best baccarat sites have gone the extra mile to make their web apps work so well. In fact, with these baccarat web apps, there’s never anything to download or update, so you never have to worry about security patches and the like. All you have to do is whip out your phone, visit your site of choice, log in, and get playing!

Bovada baccarat
Bovada baccarat

Baccarat Live Casino Games

You can play live baccarat online at most of the casino sites listed here. Live games are different from the RNG games you’ll find in the casino, however, as you’ll have a direct audio and video line to a real dealer.

Please note that while many of the video baccarat games at online casinos do allow for free play so you can test your skills, live dealer baccarat is played only for real money. They don’t call the big hand the “Banker” for nothing, after all!

How To Play Baccarat

Learning how to win baccarat games is something that takes gamblers years – if not lifetimes – to master. The first step to winning, of course, is understanding the basics of the game, which we cover below.

The simplicity of the game, combined with the fact that the player has no responsibility other than placing a bet, is well-suited for the Internet. When you play baccarat online, you have no intimidating and distracting casino personnel and players around you, which is one of the downfalls of playing in a physical casino.

Remember, with the legal online baccarat casinos listed here, you can play from your smartphone, tablet, laptop or desktop, any time night or day, whether you have five minutes or a few hours to spare.

Baccarat Rules

Baccarat is simple, but it’s strange. When playing baccarat, cards will be dealt to two hands, the “Player” and the “Banker”. These don’t designate you or the dealer, they’re just what the two hands are called.

You will usually be offered to place a wager between $1 and $500 before the cards are dealt, and traditional baccarat rules are followed. You are allowed to place a bet on the Banker, the Player, or a Tie outcome, with the third option delivering an attractive 9 to 1 payout at most sites.

All other winning bets pay even money, and the hand with the higher score wins when a Tie does not take place. Just as in traditional brick-and-mortar casinos, legal online baccarat offers a highest possible score of 9 for any given hand, with the lowest score being 0. Each round of Baccarat is called a “coup”, and they’re scored like this:

  • Value of Baccarat Hands: In Baccarat, cards are worth their face values, i.e. 2-9. The 10, Jack, Queen, and King are worth 0 points. Aces are worth 1 point. Hands are valued by adding up the two cards dealt. A hand consisting of an Ace and a three would be worth 4 points. A hand with a 5 and an 8, however, is worth 3 points (adding the sum, 13, and using the last digit as the value if the sum goes over 9). The highest baccarat hand is 9. If an initial draw totals 8 or 9, that is called a “natural,” and the highest hand wins. If both hands equal 8 or 9, the game is also over, ending in a Tie.
  • Tableau Rule: If neither the Player nor Banker is dealt a total of 8 or 9 via the first two cards, the “tableau” (table) is consulted, meaning a third card may be drawn. The Player hand draws first, then the Banker’s (maybe – see below).
  • Player’s Rule: If the Player has an initial two-card total of 0-5, they must draw a third card. With an initial two-card total of 6-7, they must stand.
  • Banker’s Rule: If the Player stands, the Banker rules are the same as the Player rules regarding the drawing of a third card, with the highest hand winning. If the Player draws a third card, the Banker goes on to a number of different possible plays, with their two-card draw determining whether they stand or draw a third card of their own. The options are as follows, based on the Banker’s initial two-card draw and the Player’s third card:
    • 0-2: Banker draws a third card
    • 3: Banker draws a third card unless Player’s third card is an 8
    • 4: Banker draws a third card if Player’s third card is a 2,3,4,5,6, or 7
    • 5: Banker draws a third card if Player’s third card is a 4,5,6, or 7
    • 6: Banker draws a third card if Player’s third card is a 6 or 7
    • 7: Banker stands

A Brief History On The Game Of Baccarat

The exact origins of the baccarat card game are not clear. Thought to possibly have derived from the popular Chinese casino game Pai Gow (which means to "Make 9", which is the highest score in baccarat), baccarat was first referenced in print (spelled “Baccarat”, with a capital “B”) in the early 19th century.

However, some historians suggest that soldiers returning from the Franco-Italian War in the late 1600s may have helped spread the game into France. Indeed, it was in France during the reign of King Charles VIII that baccarat became most notable. The preferred pastime of European aristocracy, the game was not played by the poor and middle classes.

Once baccarat made its way to the United States in the 19th century and became a staple of glamorous Hollywood James Bond movies, its acceptance by the average casino gambler skyrocketed, and the game became a standard. And thanks to the Internet, you can now play baccarat online from anywhere in the US!

FAQ's

How old do I have to be to play online baccarat?

To use any US offshore legal betting site, you have to be at least 18 years of age. In states that have mandated domestic gambling ages of 21+, we recommend abiding by those laws before joining an online baccarat site.

What are the main types of baccarat?

There are three classic variants of baccarat. In most of the world, including America, the most common game type is called “punto banco,” aka “North American Baccarat.”

The other types, more popular in some regions of Europe and Asia, are called “baccarat chemin de fer” (aka “chemmy”) and “baccarat banque” (aka “a deux tableau”). Punto banco is the version you’ll mostly find at online gambling sites. 

How can I regularly win money at online baccarat?

How to consistently win at baccarat is an age-old question, and there’s no age-old (or even new age) answer. Like all gambling, baccarat is a risk that you take. You’ll win some, and you’ll lose some, and that’s the name of the game (and a lot easier to spell). Still, there are some baccarat strategies that will help you beat the house more often than not, which we discuss next.

Is there any strategy to baccarat?

There are a few baccarat strategies that can help you win. Some of the most effective of these are listed below:

  • Don’t look for patterns in the cards or the hands won. While tables will track this data, it’s a red herring. Like flipping a coin, each game of baccarat is an isolated, unique event.
  • Bet on the Banker. The Banker hand is “taxed” at a 5% commission, but the house actually has a smaller edge on Banker hands as opposed to Player hands. Generally, for the gambler, Banker bets will win 50.7% of the time, while Player bets will win 49.3% of the time.
  • Ties are for losers. While Tie bets have the best baccarat payouts, they only hit about 9% of the time. Stay away!
  • Play online instead of in-person. You can practice with free baccarat options, play RNG games in the Casino section of your favorite site, and even play with live dealers at virtual baccarat tables for big bucks. Plus, online, there are no distractions. There’s also no pesky dress code.
Can you make money playing baccarat?

Of course! If you couldn’t, people wouldn’t.

That said, casinos also make money hosting baccarat. At brick-and-mortar casinos in Macau – the world’s largest gambling destination – baccarat accounts for some 90% of all casino-based house takes. This is because baccarat is the high roller game of choice, and the house – even though it only has a slight edge (baccarat has the lowest house edge of any traditional casino game) – makes good money whenever a whale loses big.

Our advice to keep your financials in the black: Play low-limit baccarat online, and take lots of breaks. Slow and steady wins the race. 

Is it legal to count cards when playing baccarat?

Gamblers are always looking for an edge, and many learn how to count cards in baccarat. While there are no laws against deploying this skill, if the pit boss at a brick-and-mortar casino suspects you of doing this, they’ll toss you out on your ear.

Online is a different story, and you can use anything at your disposal to help you win, including learning how to read a baccarat chart and having baccarat calculators pulled up in other browser windows for easy reference. Still, in punto banco, these resources are of little use because the rules of play don’t allow for any actual player choice.  

What are the rules of baccarat?

The rules of baccarat are outlined above, but we will summarize them here for quick reference: The Player and the Banker each receive two cards, and the totals determine whether a third card will be dealt to either hand. The highest total wins, whether the game – or “coup” is completed with two cards or three.

What is a natural in baccarat?

When the first two cards of a Player or Banker hand equal 8 or 9, that’s called a “natural”, and the higher hand wins. If they’re the same, that’s a Tie, which you can also bet on as a baccarat gambler.

Can baccarat be beaten?

You can win at baccarat by having the highest hand (up to 9). And in fact, baccarat – particularly the punto banco variant – has among the lowest house edges in all of casino gaming. That’s why the game attracts high rollers.

So yes, you can definitely beat the house at the baccarat table, but you should always only bet what you can afford to lose. Play responsibly!

Is baccarat a game of skill?

Baccarat, like most card games, is a combination of skill and chance. In this way, it is regarded as gambling by most state and federal laws. However, despite the major elements of randomness in baccarat, skill is absolutely involved and is the difference maker between long-term wins and losses.

What does baccarat mean?

Baccarat doesn’t actually mean anything, per se. The game is likely named after the French town of Baccarat, which itself might be a reference to the pagan “Bacchus.” Nobody will every truly know, and the debate on the term’s origin remains to this day.

Why is baccarat so popular?

Baccarat is popular because it’s always been a big-money game for high rollers. In casinos, these games are surrounded by a lot of pomp and circumstance, often with cordoned off tables and viewing areas for spectators.

Baccarat was also James Bond’s game of choice, which added some Hollywood glamor to the pastime. For casual gamblers both online and off, baccarat is popular because it offers some of the best odds to win of any casino table game.

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