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The Best Real Money Baccarat Sites for 2021

Looking to play real money baccarat online? We’ve compiled a list of the top baccarat casinos for US players. Sign up to one to get a great bonus, player security, and plenty of payment method options!

How to Play Baccarat Online

Let’s take a look at the rules of American Baccarat as this is likely to be the version you encounter when you play baccarat online.

Baccarat Bets

Placing bets is at the heart of any casino game. Whether you are playing live baccarat online or you are trying a game powered by AI, you need to understand how the bets work. The three main bets you make when you play baccarat online for money are Player, Banker, and Tie.

Player and Bank Bet

Player and the Bank are the simplest. You are guessing the hand you think you will win. Winning bets pay off 1:1. The house edge for a Player bet is 1.24%. It is more favorable for the Banker bet at 1.06%.

Tie Bet

The Tie is also straight forward. You are betting that neither side in the online baccarat will win and will instead have hands with the same total. This has a house edge of 14.44% and pays out 8:1.

Other Bets

When playing online, you might be able to find side bet options in a live baccarat online game.

The first is the Pairs bet. In addition to nominating a winning hand, you can bet extra for a prediction that this hand will contain a pair; for example, 4 and 4. The house edge on this bet is 11.25% and it pays out 11:1.

If you opt for an Either pair and hedge your bets on both participants when playing baccarat online, the payout is only 5:1.

Two more side bets you could make are the Big and Small bets. A Small bet wins if the total number of cards in play is under 4. It has a house edge of 5.27% and a payout of 3:2. A Big bet wins if the total cards in play equal 5 or 6. The house edge is 4.35% here and the payout is 2:1.  

Baccarat Variations

As with many other casino games, you might find several variations of online baccarat. The three main styles are American Baccarat, Chemin de fer, and Banque.

American Baccarat

American Baccarat is also referred to as punto banco. It is usually the style of baccarat you will play if you choose to play a baccarat game online. The two roles of the Banker and the Player, key roles in other variations of baccarat, are just titles here. There are also very strict rules for when a third card is drawn. For this reason, most baccarat online real money games will use this as it is easy to program the rules into the game.

Chemin de Fer

Chemin de fer is a popular French version of baccarat. Six decks are shuffled together. Players take it in turn to be the banker and dealer by passing the shoe counterclockwise around the table. It is a fast-paced and sociable game. If you enjoy the pageantry of blackjack, you might enjoy the elegance of Chemin de fer or other baccarat casino online variations.


Banque uses three sets of decks in its shoe. The banker will stay in office until they either choose to retire or they run their finances down. The banker and two players are all dealt cards; other punters are tied to the cards on their side of the table. Rules for accepting new cards and calling wins play out as in Chemin de fer.

Baccarat Basic Terms

Whether you sit down to play baccarat online for real money or you head to a casino, there are some basic terms you need to learn for baccarat. Here are some of the most common terms you will hear when playing baccarat online.

When you play at a baccarat casino online, you get to enjoy one of the simplest yet most fun casino games out there. With the knowledge you have gained from our guide, you are in the perfect position to start playing. Sign up to one of our favorite online baccarat casino destinations now and play your first hand!

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