Best Online Baccarat Casino Sites in the US for 2024

Mike J. Davies By Mike J. Davies Senior Editor at Casinos.US Updated: March 14, 2024
Mike J. Davies Mike J. Davies Senior Editor at Casinos.US See Full Bio

Mike is our Senior Editor and experienced gambling strategist. A former hockey player, he transitioned to the casino industry after finishing his B.A. in English. Blackjack systems, online casino guides, gambling terms, and more - Mike is familiar with all fine points of gambling.

Best Online Baccarat Casino Sites for Real Money for 2024

Baccarat Online Casino Baccarat Bonus Bonus Code Baccarat Games Min. Bet Eligible States Rating Secure Link Terms
200% up to $200 Not Needed 7 $0.10 5.00/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
100% up to $1,000 + $25 Free Play Not Needed 7 $0.10 4.95/5 PLAY NOW! Valid only for new MI players over 21 years of age. Opt-in required. Min. deposit $10. Full T&C's apply.
Up to $250 First Deposit Bonus PACASINO250 3 $1 4.95/5 PLAY NOW! New players only. Bonus paid as site credit expiring in 30 days. PACASINO250: Bonus match of first deposit (up to $250). 1X playthrough requirement on select games. Full T&Cs apply.
Up to $2,500 Deposit Match IGCA2500 1 $1 4.90/5 PLAY NOW! Must be 21+ and physically present in MA, PA, NJ and WV only. New users and first deposit. Wager $25+ to receive 2,500 Reward Credits. Full T&Cs and wagering requirements apply.
100% up to $1,000 + 200 Free Spins Not Needed 3 $1 4.90/5 PLAY NOW! Valid only for new MI players over 21 years of age. Bonus offer must be claimed with the first single deposit. Free Spins can only be applied to eligible games. Full T&Cs apply.
Up to $100 in Casino Credits or 100% up to $2,000 in Bonus funds Not Needed 6 $1 4.90/5 PLAY NOW! Valid for new customers. Must choose 1 offer and opt-in within 7 days (168 hours) of registering a new account. Must deposit min. $5 within 7 days (168 hours) of opting in to earn (a) a 100% deposit match up to $2,000 in Casino Bonus Funds or (b) a 100% deposit match up to $100 Casino Credits. Full T&Cs apply.
100% up to $1,000 + $20 On Sign Up Not Needed 7 $1 4.85/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
100% up to $1,000 + 50 Free Spins Not Needed 3 $1 4.85/5 PLAY NOW! 21+, Terms and conditions apply, GAMBLING PROBLEM? CALL 1-800-GAMBLER.
Up to $100 Real Cash Back Not Needed 3 $1 4.80/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
50% up to $1,000 First Deposit Match Not Needed 3 $1 4.80/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Opt-in required. Full T&Cs apply.
100% up to $100 + 200 Spins on First Deposit BONUS2 1 $1 4.75/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
Up to $1,500 + 50 Free Spins Not Needed 5 $1 4.70/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
100% up to $1,000 New Player Bonus Not Needed 1 $1 4.65/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Opt-in required. Min. deposit of $10. Full T&Cs apply.
100% up to $600 Deposit Match Bonus STARS600 5 $1 4.60/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
Up to $500 Match Bonusβ€― Not Needed 3 $1 4.55/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.

Aside from checking that each baccarat casino has a valid license to operate in the US, we assess the security certificates to make sure your personal and financial details are always safe. We also examine the quality of the baccarat bonuses and check that the terms and conditions are transparent and fair.

Of course, we test the games and make sure they come from trustworthy sources. You will be pleased to know that you can play many variations of baccarat in the US, which include live casino games with real dealers. When choosing the best online casinos for baccarat, we always recommend checking that your favorite games are available.

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Baccarat players have unique preferences when choosing online casinos. While one player may be searching for the best live baccarat casino, another may be interested in the best baccarat casino bonus. To make it easier to find what you are looking for, we have broken down our recommended baccarat casinos by category.

Deciding what factors are most important to you will save time and point you in the right direction from the outset. Fortunately, all the best online baccarat casino sites have valid licenses. Regulated operators, such as top Red Tiger casino sites, have a statutory duty to protect players and pay out their winnings in a fair and timely manner.

An important factor for many baccarat players is the availability of a generous baccarat welcome bonus. These almost always come with wagering requirements, so be sure to compare the casino bonuses before claiming. Our baccarat casino reviews cover the bonus terms and conditions, so you know what to look out for.

Another factor that players will be interested in is the quality of the baccarat games available at online casinos. Baccarat sites do not use the same software providers, which may influence the quantity and quality of the games. live baccarat casino games with real dealers are perhaps the most popular and include several low and high-stakes variations.

Apart from checking that the online casino has a vast selection of baccarat games, other categories worth exploring are mobile casino apps and the payment methods available. When we rate casino payment methods, we typically consider the deposit and withdrawal limits, security, and processing times.

Top Recommended Baccarat Online Casino for April 2024

100% up to $2,500 + $50 Free + 50 Free Spins Not Needed Excellent baccarat casino games PANJMIWV
PLAY NOW! Valid only for new WV players over 21 years of age. Opt-in required. Min. deposit $10. Full T&Cs apply.

How to Choose the Best Online Casinos for Baccarat

If you want to know how we rate US casinos, then you have to get familiar with the important factors we consider in our evaluations. Every one of the recommended operators is legal, fair, and safe. There is a range of RNG and live baccarat games, attractive bonuses, and convenient payment methods.

We advise keeping these factors in mind when choosing an online baccarat casino. The following sections will dive deeper into the areas we consider important for baccarat players. You can jump to the main areas below to find out what to look out for before joining any of our online baccarat casinos.

Naturally, some factors will be more important to some players than others. Regardless of what you are looking for, the best baccarat sites will have something of value for everyone. You could even join multiple operators to compare the baccarat games, customer support, and player incentives – which may include loyalty rewards and daily promotions.

The above table provides an overview of the top online baccarat casinos in the USA, along with information such as their betting limits and average payout rates. As mentioned earlier, all online casinos on our website are regulated and provide unlimited access to real money games.

Security & Licensing

You want to make sure the online casino of your choice is secure before you play online baccarat games. Of course, you should also check if online gambling is legal in your state. At the same time, we only feature trustworthy online casinos and will never recommend unsafe operators.

The quickest way to see if an online casino is legal is by looking for the logo of the state regulator in the footer of the casino website. Each state has a gambling authority responsible for overseeing the baccarat casinos in its region. As a result, online casinos must adhere to various laws and regulations to protect players.

Above are the gambling regulators you will come across in US states where online baccarat is legal. For example, the MGCB regulates Michigan online baccarat sites, and the PGCB licenses casinos offering online baccarat in Pennsylvania. Another way to check if an online casino is legal is to visit the website of your state regulator for a list of all licensees. Typically, operators undergo several security checks to obtain a gambling license.

For example, all baccarat online casinos must use SSL encryption to protect your personal and financial details. Part of our review process is checking that the digital certificates are valid. If you want to see if the online casino of your choice is secure, click the padlock next to their website address in your internet browser.

Best Online Baccarat Games for US Players

US online casinos with baccarat have many games available. These come in all shapes and sizes to accommodate all levels of players. First-person baccarat, also known as RNG baccarat, is one of the common variations you can play online. These use random number generators and boast an average payout rate of 98% and higher.

Online Baccarat Game Play At Payout Rate Type Bet Limits Game Rating Secure Link Terms
Speed Baccarat 98.94% RNG $1.00 - $1,000 5.00/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Opt-in required. Full T&Cs apply.
Baccarat Professional Series 98.76% RNG $1.00 - $1,000 4.95/5 PLAY NOW! 21+, Terms and conditions apply, GAMBLING PROBLEM? CALL 1-800-GAMBLER.
IGT Baccarat 98.94% RNG $1.00- $1,000 4.90/5 PLAY NOW! New players only. Bonus paid as site credit expiring in 30 days. PACASINO250: Bonus match of first deposit (up to $250). 1X playthrough requirement on select games. Full T&Cs apply.
First Person Baccarat 98.76% RNG $1.00 - $5,000 4.90/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
Baccarat Live Evolution 98.94% Live $1.00 - $5,000 4.85/5 PLAY NOW! Valid only for new PA players over 21 years of age. Opt-in required. Full T&C's apply.
Lightning Baccarat First Person 98.76% RNG $1.00 - $10,000 4.80/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
First Person Golden Wealth Baccarat 98.95% RNG $1.00 - $5,000 4.80/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
Baccarat Remastered 98.94% RNG $1.00 - $1,000 4.75/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
DraftKings Baccarat 98.77% RNG $1.00 - $65,250 4.75/5 PLAY NOW! Valid for new customers. Must choose 1 offer and opt-in within 7 days (168 hours) of registering a new account. Must deposit min. $5 within 7 days (168 hours) of opting in to earn (a) a 100% deposit match up to $2,000 in Casino Bonus Funds or (b) a 100% deposit match up to $100 Casino Credits. Full T&Cs apply.
Dragon Tiger First Person 96.27% RNG $1.00 - $15,000 4.70/5 PLAY NOW! Valid for new customers. Must choose 1 offer and opt-in within 7 days (168 hours) of registering a new account. Must deposit min. $5 within 7 days (168 hours) of opting in to earn (a) a 100% deposit match up to $2,000 in Casino Bonus Funds or (b) a 100% deposit match up to $100 Casino Credits. Full T&Cs apply.

First-person baccarat often comes with exciting bonus features such as multipliers, while the best online casinos for baccarat will also feature several live casino games. The tables have real dealers and come with special features, such as pairs side bets and in-game statistics to help improve your betting strategy.

The above are some of the top baccarat variants you can play in the US and are powered by leading providers of casino gaming software. The first-person games are available in demo mode, which means you can test them at the online casino of your choice before switching to real money. These are also perfect for beginner and expert baccarat players.

High roller baccarat players will prefer the interactive atmosphere of live dealer games and can access several VIP tables with high betting limits. If you enjoy traditional card games, we also recommend checking out our guide to online blackjack casinos for a selection of games from renowned software companies.

Best Live Baccarat Tables

The best baccarat online casino sites have several live dealer variations, each of which is even more exciting than the next. Live casinos provide Vegas-style baccarat games in the comfort of your home by streaming live videos of the dealers directly to your computer. That also means you can interact with the dealers in real time.

Many games from award-winning live dealer studios allow you to switch between multiple camera angles for close-ups of the table and dealers. More importantly, the games often feature modifiers you won’t find at land-based casinos to create more opportunities to win. Here are some of the best online casinos for live baccarat:

Baccarat Site Baccarat Bonus Bonus Code Live Baccarat Games Live Baccarat Tables Eligible States Secure Link Terms
100% up to $1,000 + $20 On Sign Up Not Needed 1 5+ Valid only for new PA players over 21 years of age. Opt-in required. Full T&C's apply.
100% up to $600 STARS600 2 9+ Valid only for new MI players over 21 years of age. Opt-in required. Full T&Cs apply.

While most online casinos for baccarat provide live dealer tables, the quality of the games will often rely on the software provider. Evolution Gaming is the market leader in this space and powers many of the best live dealer casinos in the US.

The live casino games are compatible with multiple devices, while some titles will even allow you to join multiple tables simultaneously. Furthermore, the live casinos in the above list also provide other table games. For example, our guide to the best online poker websites in the US includes several operators from this guide.

Best Bonus Offers

To stand out from the competition, every baccarat casino online offers welcome bonuses to attract first-time players. The most common bonus is a deposit match, while some operators will throw in some extra spins on selected slots. Bonuses typically increase your bankroll so you can play more real money games for longer.

But before you choose the best baccarat bonus, we advise you to compare the wagering requirements. You will need to clear these before you can cash out your winnings. You should additionally check the terms and conditions to see if baccarat games are not excluded from promotions. Here are the best online baccarat bonuses in the US:

Online Baccarat Site Baccarat Bonus Bonus Code Wagering Baccarat Contributiion Eligible States Secure Link Terms
Up to $100 in Casino Credits Not Needed 15x 10% Valid for new customers. Must choose 1 offer and opt-in within 7 days (168 hours) of registering a new account. Must deposit min. $5 within 7 days (168 hours) of opting in to earn (a) a 100% deposit match up to $2,000 in Casino Bonus Funds or (b) a 100% deposit match up to $100 Casino Credits. Full T&Cs apply.
Up to $1,000 Welcome Offer Not Needed 30x 0% Valid only for new PA players over 21 years of age. Full T&Cs apply.
100% up to $1,000 + 200 Free Spins Not Needed 10x 25% Valid only for new NJ players over 21 years of age. Bonus offer must be claimed with the first single deposit. Free Spins can only be applied to eligible games. Full T&Cs apply.

The best online casino bonuses on this page are hand-picked for baccarat players in the US. You can claim any of these bonuses as soon as you register an account and make your first deposit. Our baccarat casinos also have many daily promotions to keep you entertained, including daily match bonuses and loyalty rewards.

Top Mobile Baccarat Casino Apps

Mobile gambling has many advantages and makes it possible to enjoy your favorite baccarat games from anywhere. We rate mobile casino apps according to specific factors, which include security, loading speeds, and usability. The best online baccarat casino apps also offer the same games as their desktop counterparts, except these use mobile-friendly interfaces.

The baccarat casino apps for USA players are compatible with iOS and Android operating systems. As long as you have a stable internet connection, you can download any mobile casino app for free and play your favorite games while on the move. We have added the best mobile baccarat apps in the table below:

5.00/5 100% up to $1,000 + $20 On Sign Up 8 Games PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
4.95/5 100% up to $600 5 Games PLAY NOW! Valid only for new MI players over 21 years of age. Opt-in required. Full T&Cs apply.
4.90/5 Up to $500 in Casino Losses Back 6 Games PLAY NOW! New players only. Min. $10 deposit to quality, CASINOBACK: Bonus money match of casino net losses in first 24 hours of play up to max. designated amount. 1X playthrough requirement on select games. Bonus money expires 30 days from Issuance it playthrough requirement unmet. Full T&Cs apply.

While these are the best mobile casino apps for baccarat, it's not always necessary to download them. The best online baccarat casino operators on this page also allow you to access the mobile platform in your browser. However, many mobile casino apps provide value-added features, which include new game alerts and special promotions.

Available Payment Methods – Deposits and Withdrawals

Making deposits and withdrawals is simple when you have reliable payment methods available. Fortunately, our recommended baccarat casino online sites have various reputable options, the most popular of which are credit and debit cards, prepaid cards, bank transfers, and eWallets such as PayPal and Skrill.

It's worth noting that while you can use any of the above payment methods for deposits, others may not be available for withdrawals. For example, credit cards and prepaid cards are only available for deposits, in which case you will need to select an alternative payment method to cash out your winnings.

The processing times also vary per payment method. The fastest payout online casinos in the US often recommend making deposits and withdrawals with eWallets. These provide the fastest payout times and are widely accepted as some of the most secure payment methods online.

Types of Online Baccarat Sites

The US states where gambling is legal have several types of online baccarat sites. Choosing which online casino to join will depend on your budget and playing style. Different casinos have different advantages, so decide beforehand what you are looking for to find the best baccarat online casino.

Something to consider before choosing your preferred baccarat online casino is the stakes. For example, low-stakes baccarat casinos will have many casual games for beginners, while high-stakes baccarat casinos are perfect for high rollers with more money to spend. Ultimately, knowing your preference is crucial when choosing a casino.

Low Stakes Casinos for Baccarat

Just because you have a smaller budget does not mean you cannot join the best online baccarat casinos. Many operators in the US have baccarat games where the limits start from as little as $0.10. These are perfectly suited to novice players looking to sharpen their skills before switching to high-stakes games.

Choosing an online casino with low-stakes baccarat games will make it easier to manage your budget so you can play for longer. While baccarat is a popular card game with high rollers, playing low-stakes games is perhaps the most effective way of avoiding the need to take unnecessary risks. Check out the best online keno casino for a good low stakes game.

100% up to $100 + 200 Spins on First Deposit $1 $10 4.8/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
Up to $500 in Casino Losses Back $1 $10 4.7/5 PLAY NOW! New players only. Min. $10 deposit to quality, CASINOBACK: Bonus money match of casino net losses in first 24 hours of play up to max. designated amount. 1X playthrough requirement on select games. Bonus money expires 30 days from Issuance it playthrough requirement unmet. Full T&Cs apply.
Up to $2,500 Deposit Match $1 $10 4.6/5 PLAY NOW! Must be 21+ and physically present in MA, PA, NJ and WV only. New users and first deposit. Wager $25+ to receive 2,500 Reward Credits. Full T&Cs and wagering requirements apply.

The above table provides a quick overview of all the best low-stakes casinos with baccarat. Joining any of these operators will give you access to quality baccarat games without breaking the bank. These include RNG and live baccarat games, while some titles are available in demo mode for a chance to learn the rules without spending a cent.

In addition to low-stakes games, the above baccarat casino sites offer generous bonuses to first-time players. As always, we suggest checking the terms and conditions to see which operator provides the best value for your budget.

High Stakes Websites

High-stakes baccarat is quite different from its laid-back counterpart. Because the table limits are much higher, high rollers often rely on advanced strategies to get the upper hand. Having more money to spend also means you can throw caution out the window and take thrilling risks for a chance to land a massive payout.

As a result, high-stakes baccarat is better suited to players with large bankrolls. The limits will vary depending on your preferred online casino, so make sure you budget accordingly to avoid spending your entire budget. At the same time, high-stakes casinos offer sizable bonuses and other exclusive rewards for VIP players.

Up to $100 in Casino Credits or 100% up to $2,000 in Bonus funds $65,250 $20,000 4.9/5 PLAY NOW! Valid for new customers. Must choose 1 offer and opt-in within 7 days (168 hours) of registering a new account. Must deposit min. $5 within 7 days (168 hours) of opting in to earn (a) a 100% deposit match up to $2,000 in Casino Bonus Funds or (b) a 100% deposit match up to $100 Casino Credits. Full T&Cs apply.
Up to $2,500 Deposit Match $10,000 $5,000 4.8/5 PLAY NOW! Must be 21+ and physically present in MA, PA, NJ and WV only. New users and first deposit. Wager $25+ to receive 2,500 Reward Credits. Full T&Cs and wagering requirements apply.
100% up to $1,000 + $20 On Sign Up $5,000 $10,000 4.7/5 PLAY NOW! Valid only for new NJ players over 21 years of age. Full T&Cs apply.
100% up to $1,000 + $25 On the House $5,000 $10,000 4.6/5 PLAY NOW! Valid only for new PA players over 21 years of age. Opt-in required. Min. deposit $10. Full T&C's apply.

The above operators also provide other casino games with higher limits. For example, you can play craps online or enjoy blackjack and roulette. These are the most common high-stakes games you will come across, giving you plenty of opportunity to enjoy Vegas-style entertainment from the comfort of your home. At the same time, online casinos will provide higher deposit limits to accommodate these games.

Moreover, high-stakes games such as baccarat are available in many formats, the most popular of which are live casino games with real dealers. If you prefer an ultra-realistic atmosphere, you will have no trouble finding VIP tables with high betting limits. These are available daily and present some of the highest payouts online.

Play Online Baccarat for Real Money

Before you start playing baccarat for real money, there are a few factors to consider – the most important of which is the bonus offered by your preferred casino operator. While most casino bonuses provide value for your money, checking the terms and conditions to understand how to clear the wagering requirements is far more important.

Another factor to consider is the deposit and withdrawal method available. Choosing a payment method that accommodates both deposits and withdrawals may not always be possible. As a result, we suggest checking which payment methods your preferred casino site recommends when sending and receiving money.

Up to $500 in Casino Losses Back 2 - 5 days Paypal, Wire Transfer, PayNearMe, Play+ 4.9/5 6 All Baccarat Games1 Live Baccarat6 Mobile Baccarat PLAY NOW! New players only. Min. $10 deposit to quality, CASINOBACK: Bonus money match of casino net losses in first 24 hours of play up to max. designated amount. 1X playthrough requirement on select games. Bonus money expires 30 days from Issuance it playthrough requirement unmet. Full T&Cs apply.
Up to $2,500 Deposit Match 3 – 5 days VISA, MasterCard, PayPal, Skrill 4.8/5 4 All Baccarat Games1 Live Baccarat4 Mobile Baccarat PLAY NOW! Must be 21+ and physically present in MA, PA, NJ and WV only. New users and first deposit. Wager $25+ to receive 2,500 Reward Credits. Full T&Cs and wagering requirements apply.
Up to $100 in Casino Credits 5 – 10 days MasterCard, Visa, American Express, PayPal 4.7/5 6 All Baccarat Games1 Live Baccarat6 Mobile Baccarat PLAY NOW! Valid for new customers. Must choose 1 offer and opt-in within 7 days (168 hours) of registering a new account. Must deposit min. $5 within 7 days (168 hours) of opting in to earn (a) a 100% deposit match up to $2,000 in Casino Bonus Funds or (b) a 100% deposit match up to $100 Casino Credits. Full T&Cs apply.

The advantage of playing baccarat for real money is the opportunity to win cold, hard cash. Baccarat is among the casino games with the lowest house edge and has an average payout rate of 98% to 99% depending on the variant you wish to play. Similarly to the online scratch offs for real money or roulette, baccarat is also a game of chance and does not require any skill.

Real money players can furthermore participate in daily and weekly promotions, such as reload and top-up bonuses. You'll find these at many casinos with Novomatic games. Use such extras to increase your bankroll so you can play games for longer. The best baccarat online casinos will also provide entry to loyalty programs for extra rewards each time you play casino games.

Are There Any Free Baccarat Sites in the US?

If you are not yet ready to join any of our featured real money casinos, then you will be pleased to know that the US has several operators with free baccarat games. You can join these for free and play several popular games, including baccarat, without spending any money.

Rush Games Baccarat Social Casino
Bonus Code Bonus Offer: Playthrough: Validity:
Check Here Up to VC$500 N/A N/A
VC$500 No Deposit Bonus
CLAIM BONUS! Valid only for new players over 21 years of age in all states in the US. Full T&Cs apply.

On top of a selection of free baccarat games, operators like the one listed above offer all new registrants a no deposit bonus. You will receive your bonus as soon as you create an account. Just keep in mind that you will not be able to win money, as the games do not accept real money wagers.

Even though baccarat games are legal at many land-based casinos across the US, it was not until 2013 that the game became available online. New Jersey was the first state to legalize online casinos and, to this day, has the largest online gambling market. There are dozens of regulated sites where you can play online baccarat in New Jersey.

The Connecticut casino sites also feature the popular casino game in their portfolios. Every operator must have a valid license to provide its services in any legal state, including Michigan, Pennsylvania, West Virginia, and New Jersey. It's expected for more US states to legalize online gambling in the coming years. The requirements of obtaining a license vary depending on the jurisdiction and include several compliance and security checks.

To play baccarat for real money, you must be at least 21 years old. In addition, you must be physically located within a state where online gambling is legal. For example, you must be in WV to play at a West Virginia online baccarat site. While you may not join an online casino for another state, some operators have already entered into multi-state agreements.

Of course, US-based players can enjoy many other legal online casino games. Slots have also been legal since 2013, and the same goes for blackjack, roulette, craps, and poker. You can also play casino war online. In fact, many of the best online baccarat casinos in this guide offer these games for real money.

Furthermore, online sports betting is legal in many states where you can play online baccarat. The Professional and Sports Protect Act was overturned in 2018, which paved the way for US states to regulate betting on live sporting events. Today, there are roughly 30 states where online sports betting is legal, but more may appear as online gambling regulations continue to be updated.

Taxes on Online Baccarat Winnings

Whether you win $500 or $5,000, all winnings from online baccarat are considered taxable income by the IRS. However, the amount you need to pay will depend on your annual income tax bracket. In general, online casinos will withhold 24% of your winnings for federal tax, while the tax rate per state varies:

  • New Jersey: The Division of Taxation requires a hold of 3% on all winnings for tax purposes.
  • Michigan: The state tax rate on gambling winnings is 4.25%, the same as your annual income.
  • West Virginia: No gambling taxes at state level. However, your winnings are subject to backup withholding of 6.5% in some situations.
  • Pennsylvania: In addition to federal taxes, PA levies a flat rate of 3.07% for taxes on casino winnings.

At the same time, if you travel to another state to wager on baccarat games, you may be subject to taxes in that state. However, you will not be taxed twice. Typically, your gambling provider will submit Form W2-G if your winnings exceed $600 and at least 300x the amount of your wager.

Baccarat Guide for US Players

Online US Baccarat Guide

Playing online baccarat for real money is not a complicated pastime. Because the game has moderately simple rules, anyone can become a winner. Nowadays, players have plenty of resources to learn the rules and strategies needed to get the upper hand. Plus, our guide is here to explain everything you need to know before playing, from the casino sign up process to withdrawing your rewards.

While some basic knowledge of how to play baccarat will go a long way, the game does not require any skill – unlike other popular table games such as poker and blackjack. Also, there is no way of influencing the outcome of each coup. However, understanding the house edge for each wager is vital to your success.

On a regular baccarat table, the house edge ranges between 1.06% and 1.36% for wagers on the Banker and Player. Meanwhile, the house edge for betting on a Tie has a much higher house edge at 14.40%. Of course, baccarat has several side bets like All Red/All Black that increase the house edge much higher.

How to Play Baccarat Online?

  1. Choose a legal baccarat site Pick your preferred baccarat casino.
  2. Open an account Complete the registration form.
  3. Make a deposit Visit the cashier and select a payment method.
  4. Consider the baccarat bonus Check the bonus rules and claim it.
  5. Choose an online baccarat game Visit the games page and pick your game.
  6. Make a bet Select your bet type and betting amount.
  7. Consider playing with a strategy Will you bet on the Banker, Player, or Tie?
  8. Find out whether you have won anything Watch the action unfold in real time.
  9. Make a new bet Or hit the β€œRebet” button to place the same wager.
  10. Collect your winnings You can cash out your winnings inside the cashier.

Basic Rules

Baccarat is an easy game to learn and fun to play. The standard baccarat table has three betting areas: Player, Banker, and Tie. The objective is to guess correctly whether the player or the banker will get a hand closest to nine points or whether the game will result in a tie.

Before a game begins, you need to place chips on the section (Player or Banker) that you favor to win the round. You can additionally place a wager on the game ending in a tie. Baccarat is played with six to eight decks of cards, with each card worth a specific number of points:

  • Ace: Worth a single point.
  • 2-9: Worth their face value.
  • Ten, Jack, Queen, King: Worth zero points.

Once you have placed your bet, a total of four cards are dealt to the table: two to the player box and two to the banker box. If the player or the banker achieves a hand closest to nine points on the deal, it is considered a natural win.

What Does a Classic Baccarat Game Look Like?

While baccarat comes in several variations, the table layout is similar for all versions. The most noticeable difference between online and land-based casino tables is the number of player positions. Because online baccarat is played by a single player, the layout is much simpler to make it easier to follow the action.

Most baccarat tables are shaped like a half-moon. Online casino baccarat tables follow the same layout as mini baccarat, with three betting areas in front of the player. These are labeled Player, Banker, and Tie, while some online casino variations offer side bets as well. Choosing your wager is achieved through a few easy clicks.

Baccarat Table Layout

Most online casinos have two versions of baccarat, RNG baccarat, which uses random number generators, and live casino baccarat, which is played against a real dealer. However, both options have several variations, the most popular of which are Mini Baccarat and Punto Banco, while some online casinos also offer Baccarat Banque and Chemin De Fer.

Mini Baccarat and Punto Banco are the most simplified version of baccarat and follow standard baccarat rules. The payout rate (RTP) for these varies between 97% and 99%, depending on where you play. Placing your bet on the Banker is the most favorable option since the house enjoys a lower edge.

Strategy and Tips

While baccarat is a game of chance, it does provide room to increase your chances of winning through several betting strategies. To start with, claiming your bonus is one of the best ways to boost your bankroll. Having extra funds in your account means you can for longer at any of our best online baccarat casino sites.

One thing to keep in mind is that there is no guarantee that any strategy will work and lead to a massive payout. However, using strategies can help you focus on your betting behavior and reduce your losses. What that said, let’s check out some popular strategies for online baccarat:

  • Martingale Method: This method is somewhat risky and is based on the premise that you will eventually win and offset any losses from previous round. Simply put, the Martingale Method requires that you double your wager after every loss. However, we will never recommend spending more money than you can afford to lose.
  • Fibonacci Method: This strategy was originally designed for roulette but can be modified for baccarat. The premise of the method is simple: increase your wager after each round according to the Fibonacci sequence. Start by setting a minimum bet value and work your way up from there: 1-1-2-3-5-8-13-21-34-55-89-144 and onwards.
  • One-Sided Method: This strategy involves choosing one side, either the Player or the Banker. The idea is to continue betting on one side until you have lost a few rounds before switching to the other. Starting with bets on the Banker offers the lowest house edge. Remember to set a budget beforehand so that you know when to walk away.
  • Paroli Method: This betting strategy is often revered to as the Reverse Martingale and requires that you double your wager after every win. This method is, subsequently, much safer because you are not increasing your wager after every losing round. The sequence of bets is as follows: 1-2-4-8 and onwards until your luck runs out.

Our top tip for playing online baccarat is to place bets on the Banker above all other options. This bet comes with slightly better odds of winning (45.8%) compared to wagers on the Player (44.6%). Meanwhile, betting on a Tie is the least recommended wager, with a probability of around 9.5%.

Pros and Cons of Playing Online Baccarat

Perhaps the main disadvantage of playing online baccarat is that it is a game of chance. Unlike poker and blackjack, you cannot predict the outcome of a round. But that is also what makes the game so exciting. Also, online baccarat has fixed odds, while the house edge is much lower than other popular card games.

In addition, online baccarat is suitable for all casino players, regardless of their skill level. Meanwhile, the main advantage of online baccarat is convenience. Online baccarat is available 24/7 and is compatible with many mobile devices for instant entertainment from anywhere. Here are some of the main pros and cons of playing online baccarat:

  • Available 24/7
  • Ideal for low-limit players
  • Mobile baccarat casino apps
  • Regular promotions
  • Low house edge
  • No social atmosphere
  • No cash withdrawals
  • Bonuses come with wagering requirements

Problem Gambling Help

Even the most responsible baccarat players are not immune to the harms associated with gambling addiction. While setting a budget in advance is one of the safest ways to gamble at the best online baccarat casino sites, some players may develop problem gambling behaviors. These include spending too much money and time playing.

Other signs of problem gambling are trying to win back losses and using online baccarat as a source of income. If you or anyone you know is struggling with problem gambling, here are some responsible gambling resources in the US you can contact for information:

Frequently Asked Questions

If you need further information on how to find the best online baccarat site, you should check out our frequently asked questions below. These cover a range of topics and include links to the most important content in this guide.

Which are the best online baccarat casino sites in the USA?

You can find the best online baccarat casino by viewing our list of top operators. We rate them according to specific factors, which include the quality and fairness of their bonuses and games. In addition, all our featured baccarat casinos are regulated in the US.

Are there any legal baccarat online casinos in the US?

Yes, there are many legal baccarat sites in the US. Our security and licensing section explains how to check if your preferred online casino is legal and what you need to look out for before registering an account.

What are the best online baccarat games?

Baccarat games come in many shapes and sizes. Choosing which games to play will often come down to your budget. That’s because the best online casinos will provide low-stakes and high-stakes games. Check out our games section for an overview of the games available online.

Which states offer legal online baccarat?

There are several states in the US where the best online casinos for baccarat are legal. Each one has its own authority responsible for regulating casino operators. Our legal section explains which states have legal online baccarat and how old you need to be to play for real money.

Are there any baccarat bonus offers?

Every baccarat casino on this page offers some kind of bonus to attract new players. Check out our best bonuses for baccarat for a closer look at what you can expect when joining any of our recommended online casinos in the US with real money payouts.

How to play baccarat online?

Online baccarat is an easy game to play. To start with, the game has simple rules that anyone can learn. Our guide also explains how to play baccarat, so you know what to do when you join the baccarat site of your choice.

Which are the best mobile baccarat apps?

If you prefer to play baccarat while on the move, you can download any of the best baccarat mobile apps. Each app in our guide is easy to install and comes with world-class games. These include live dealer tables for a Vegas-style experience on your mobile device.

Is online baccarat rigged?

No, online baccarat is not rigged. We suggest reading our section on how to choose a baccarat site, so you know what to look out for. Because your safety is our highest priority, we only feature regulated sites in our guide.

What are the best online baccarat strategies?

While online baccarat is a game of chance, our guide does cover several baccarat strategies you could try out. However, there is no guarantee that these strategies will work, so always set a budget before playing so you know when to walk away.

What payment methods are available at the online baccarat sites?

Baccarat online casinos have a wide range of reliable and secure payment methods. These include bank cards, eWallets, bank transfers, and prepaid cards. Check out our payment methods section for a breakdown of the best deposits and withdrawal options.

Conclusion – The Best Online Baccarat Casino Sites in the US for 2024

We can confidently recommend any of the baccarat online casinos in our guide. Check out our top baccarat casino site for [month] to start playing for real money today. Every one of our best online baccarat casino operators is legal in several states and offers a generous welcome bonus to get you started.

Mike J. Davies
Mike J. Davies Senior Editor at Casinos.US

Mike is one of our most senior team members and contributes with over 20 years of experience in the gambling industry. He's our online and land-based casino review expert and a blackjack enthusiast. Mike's a table games strategist and is dedicated to helping you make informed decisions.

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Each online casino for baccarat also provides advanced security to protect your personal and financial information. That means you can make secure deposits and withdrawals and enjoy all your favorite games on any device without concern. Check out our recommended sites to claim your real money bonus.