Online baccarat games: Our picks for some of the best for real money (December 2025)

I have reviewed some of the best online baccarat casino games for their playability, eligibility within online casino bonuses and user experience. This guide clues readers into my top picks for online baccarat bonuses, provides an explanation of how to play baccarat, and gives insights into interesting baccarat variants.

My selections for the top online baccarat casinos examined the value of available casino welcome bonus offers, how easy the user experience is to redeem the offers, the number of baccarat games available on the apps, the variety of the game selection, and the betting ranges in the games. I also highlight bonuses that allow bets on baccarat online games to contribute to playthrough requirements.

All of the facts about game selection listed below are accurate for players in Michigan as of December 2025. These online casino sites for real money are also available in PA, NJ, and WV. Game availability on each of my picks for some of the best online baccarat casino bonuses can vary based on jurisdiction and over time.

I selected BetMGM Casino as my top choice to play a live baccarat game online because its selection of live dealer games is bigger than any of the other apps on my shortlist. About 40% of the available titles at BetMGM are exclusively live or offer the option to go live. The selection includes the exclusive BetMGM Baccarat title, which is streamed from a BetMGM-branded studio and pays a bonus for natural wins.

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I gave Caesars Palace the distinction of my top pick for online baccarat variants because of the number of options with gameplay tweaks in the category. I found versions like EZ Baccarat, Rising Phoenix Baccarat, and Speed Baccarat all bring slightly different experiences to the baccarat online table.

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I ranked DraftKings the top choice for the most baccarat online games simply because I found more baccarat titles on its app than I did for any of the other apps in this guide at 12. That selection includes four live games and four exclusive Random Number Generator (RNG) titles.

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Fanatics gets my selection out of all the baccarat sites I reviewed for best rewards and redemption because players can earn 25 tier points and $5 in FanCash for every $100 in bets on baccarat games. Fanatics strengthens its case for the top online baccarat casino in terms of rewards usage because FanCash converts to bonus play on the app at a 1:1 rate. That means a dollar in FanCash value plays the same as a dollar in real money on Fanatics Casino. The value of the FanCash wager is included in the winnings. 

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FanDuel is my choice when I want to play baccarat online with bonus funds because it does not reduce contribution rates on wagers on baccarat for satisfying playthrough requirements. Other baccarat casino online options, like BetMGM and DraftKings, count as little as 10% of players' bets on baccarat toward those requirements.

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When I play online baccarat, I'm engaging with a digital or live-streaming version of the classic casino card game in which I attempt to correctly predict which of two hands will have a higher score than the other. If I'm right, I collect winnings according to the stated payout for the bet I selected.

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Baccarat online real money games are quick and simple. With standard rules, there is a banker and a player. The objective is to correctly predict whether the banker will have the higher point total, the player will do so, or whether there will be a tie.

Baccarat consists of standard playing cards excluding jokers. Numbered cards two through nine have their face value, while 10s and face cards (jack, king, and queen) are worth zero. Aces are worth a single point.

The highest possible score in baccarat is nine. The banker and the player initially receive two cards, both of which are dealt face up.

For any initial total above nine, only the final digit counts. As an example:

If neither hand totals eight or nine, there are specific procedures for when the banker and the player may receive a third card.

These rules for baccarat online can vary from game to game. However, standard rules dictate that the banker and/or player hands may receive third cards in certain situations.

In standard games, the player hand receives a third card when the initial total from the first two cards is between zero and five. If the player hand does not receive a third card, the same rule then translates to the banker hand.

As an example:

Now, here's an example where the Banker's hand is also dealt a third card: 

Three-card totals of zero to five are normally scored as such, with no more cards dealt.

Players must decide which of the three wagers they want to place with each round and how much to stake on that choice. Many baccarat online games have specific betting minimums and table maximums that players should note beforehand.

Once all bets are in, cards will be dealt, and scores will be announced. Players who correctly predicted the outcome will collect winnings according to the stated payouts of their wagers.

At all of my top online baccarat casino recommendations, players are free to play as many hands as they like in succession. It's perfectly acceptable to alternate between betting options and modify bet sizes from hand to hand as you use the Caesars Palace Online Casino promo code SPORTSLINE2500, too.

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All of my online baccarat casino picks have at least one game with a nontraditional theme or alteration to the standard baccarat rules. Two variants are my favorites because they further simplify the game and increase the pace of play.

In traditional baccarat casino online games, the banker bet has a 5% commission. EZ Baccarat eliminates that commission in many situations, like when the banker's hand wins with a three-card score of seven.

The traditional way to play online baccarat can last minutes for each round. However, Speed Baccarat eliminates the tie, which cuts the average time for each round down to less than 30 seconds, according to game developer Evolution.

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Each baccarat game online may have rule tweaks that may alter the probabilities. However, in standard versions of live baccarat online and RNG titles, the three bet types have fixed house edges and payouts.

Winning banker bets of $10 at these odds pay out $19.50 ($9.50 in profit). Winning player bets of the same amount trigger payouts of $20 ($10 in profit). A winning tie bet of $10 at 9:1 odds would equate to a payout of $100 ($90 in profit).

Similar to baccarat, real money blackjack online offers players favorable odds with a strong strategic element.

Regarding online baccarat, live dealer games are broadcast in real-time and involve physical cards, a tangible game table, and a human dealer. Players can wager on these games just as if they were physically at the table during the broadcast.

All of my recommendations for some of the best online baccarat casino choices have at least one live game available in their libraries. The listed titles were available on the apps for players in Michigan as of December 2025.

I have experienced connectivity issues in my time playing at all of the apps I recommended for some of the best online baccarat casinos. I have identified some actions that can help limit these instances.

It's possible to encounter issues playing on an online baccarat casino even following this advice. Normally, the casino will void your bet and return your stake if your connection is interrupted. If you have further problems, contact the casino's customer support.

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A demo is a truncated version of the game that some casinos and developers offer for free play. During my review of the casinos listed in this guide, I found demo versions of games like DraftKings Baccarat and High Limit Squeeze Baccarat available at DraftKings and Golden Nugget casinos.

I did not find demos for baccarat games at BetMGM, Caesars Palace, Fanatics, or FanDuel. A big benefit of playing a baccarat game online in demo mode is that it's a great way for less experienced players to learn the game.

The Golden Nugget Casino promo code is one of the best ways to check out Golden Nugget's selection of baccarat demos.

Several of my picks for some of the best online baccarat casinos give players chances at winning jackpots amid baccarat gameplay.

During my review, I found one online baccarat game with chances at jackpots available on the FanDuel Casino app (as of December 2025). That game is the RNG-based game simply titled Baccarat.

At the time of writing, this Baccarat game on FanDuel Casino included opportunities to place an additional stake on baccarat wagers for chances at four jackpots as part of the FanDuel Jackpots offering. Game participation in FanDuel Jackpots and jackpot value can vary from day to day.

When I reviewed DraftKings and Golden Nugget, I found opportunities to place side bets for jackpot chances in the same RNG (Random Number Generator)-based Baccarat game on both apps (as of December 2025). DraftKings and Golden Nugget also made the same available for EZ Baccarat and High Limit Baccarat Squeeze.

These side bets give players access to multiple jackpots that are progressive in nature. The inclusion of specific games and the value of these jackpots will change with time.

During my review, I did not find any jackpot offerings for baccarat games at BetMGM, Caesars Palace, or Fanatics. The FanDuel Casino promo code bonus is a great choice for people looking for jackpot opportunities in their baccarat games.

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One of the newest baccarat gaming concepts is BetMGM's Dual Play Baccarat game, which launched in February 2025. This unique title strengthens BetMGM's status as my pick for the best online baccarat casino for live dealer games because it allows players at the Borgata Casino Hotel & Spa in Atlantic City and people playing online in New Jersey to participate in the same game.

While not a new game, Caesars Palace Online Casino debuted a new exclusive live dealer studio for players in Pennsylvania in January 2025. Other new releases in 2025 have included Lunar New Year Baccarat, which dropped at DraftKings and Golden Nugget in September.

New baccarat players may come across terminology they are not familiar with. Here is some of the common verbiage used during the games. Verify these meanings for any casino that was not reviewed in this guide.

When I play baccarat online, I enjoy my sessions because I know that I don't have to worry about whether my betting is running afoul of any laws or if I will get paid if I get lucky. Playing casino games online at a licensed and regulated app or site gives me that assurance.

All of my suggestions for the best online baccarat casinos in this guide are licensed in Michigan, New Jersey, Pennsylvania, and West Virginia. I want my audience to have the same peace of mind.

In addition to a great selection of games and valuable bonuses, I ensure that my picks for online baccarat casino recommendations prioritize responsible gaming. All of the apps in this guide offer customizable limits and access to external resources for people who are as concerned with responsible play as I am.

All of my endorsements for the top online baccarat casinos offer multiple baccarat games, including both live dealer and RNG (Random Number Generator) titles.

Baccarat is a card game in which there are two positions (the banker and the player) that receive up to three cards. Bettors wager on whether the banker hand will have a better hand than the player hand, vice versa, or whether there will be a tie for each round.

Bettors receive payouts if their predictions are correct. For example, banker bets are paid when the banker has a better hand than the player.

Whether your bet wins as you play baccarat online is decided by the luck of the draw in live games or a random number generator in non-live games. At the same time, people do employ betting systems to plan out their wagers and track results as they happen to inform their future bets. However, no betting system can eliminate the house edge and past results are not predictors of future outcomes.

These are the three wagering options for each round, and bettors may only stake one for each round. They correspond to the three possible outcomes of each hand. Each bet has unique odds and payouts.

When you play baccarat online, the house edge fluctuates with the betting option. The traditional house edge on the banker bet is 1.06%, while the player bet's house edge stands at 1.24%, and the house edge on the tie bet is 14.36%. Some of the best online baccarat casino apps have variants that add side bet options or tweak the rules to create more variance.

The standard for baccarat online is between six and eight decks. This applies to RNG (Random Number Generator) games and live dealer titles.

Side bets are additional wagers that may be available in some versions of baccarat on my picks for some of the best online baccarat casino sites. Normally, these wagers offer bigger payouts but also greater house edges than the banker, player, or tie bets. Whether these wagers are worth placing depends on the state of the bettor's bankroll and their appetite for risk.

The 1-3-2-6 betting system provides a structure for successive bets, with the numbers corresponding to the number of units that bettors will stake to their wagers over four rounds. Progression from one number to the next only occurs following a win, while a loss triggers a return to the beginning of the 1-3-2-6 sequence. As an example, a player with a wagering unit of $10 would stake $10 to their first wager ($10x1=$10), then $30 if that first bet hits ($10x3=$30), and so on.

Each betting option in baccarat online has a unique probability of hitting. In traditional games, the banker bet hits on 45.86% of hands, the player bet hits on 44.62% of hands, and a tie occurs in the other 9.52% of rounds.

Any two-card hand with a score of nine (Ace-8, 2-7, 3-6, 4-5, 10-9, Jack-9, Queen-9, or King-9) is considered a natural in baccarat and is impossible to beat. The best that the other position can do is match that score.

Derek Helling