Baccarat Strategy Guide

In Baccarat, cards are dealt to two hands, named Player and Banker. The object of the gambling game is to correctly pick which hand will have the higher score, with the highest score in Baccarat being 9 and the lowest being 1. You can also place a bet on Tie, which pays 9 to 1. You can also play Baccarat Online. Try it out now.

Baccarat Rules

  • Baccarat is played with six decks; cards are reshuffled after each hand.
  • You can choose whether you want to bet on the Dealer, Player, Tie or any combination of the three.
  • The Player always goes first.
  • The Player hand draws another card if its total is 0-5, otherwise it does not draw another card.
  • Play now proceeds to the banker.
  • If the Banker hand totals 7, 8 or 9, the Banker does not get another card.
  • If the Banker's first two cards total 0, 1 or 2, then the Banker draws one card, otherwise, the Banker draws cards according to this table:

Banker

Player's Draw Card

Key
DDraw
No Draw

Total

0

1

2

3

4

5

6

7

8

9

9

8

7

6

D

D

5

D

D

D

D

D

4

D

D

D

D

D

D

D

3

D

D

D

D

D

D

D

D

D

D

2

D

D

D

D

D

D

D

D

D

D

D

1

D

D

D

D

D

D

D

D

D

D

D

0

D

D

D

D

D

D

D

D

D

D

D

 

Baccarat Card Values

  • The suits of the cards have no meaning in the game.
  • Cards 2 through 9 count as face value.
  • 10, Jack, Queen, and King count as 0.
  • Ace counts as 1.
  • To calculate the score for the hand, add the values of each card and drop the ten's digit.

The Player can win if:

  • The hand wagered on has the higher total.
  • If the Player bets on a Tie, and the banker and the Player totals are equal.
  • If you bet on Player and win, you win even money. A $5 wager pays back your $5, plus an additional $5.
  • If you bet on Banker and win, you win even money minus a 5% commission*. A $5 wager pays back your $5, plus an additional $4.75.
  • If you bet on Tie and win, you win 9 times your wager. A $5 wager pays back your $5, plus an additional $45.

*Note: The commission is 5% of the bet and is rounded up to the next quarter. For example, a minimum bet of $6 would be a commission of 50 cents. (5% of $6 = 30 cents, but since the commission is rounded up to the next 25 cents; the commission is actually 50 cents. 5% of $11 = 55 cents, which makes the actual commission 75 cents.)

The Player loses if:

  • The hand wagered on is not the highest hand.
  • The Player wagers on a Tie and the banker hand and the Players hand are not equal.
  • If the Player wagers on the Banker or Player and the result is a Tie, the wager is a push.

Player Actions/Wagers and Button Descriptions

Bet — Click on Player, Banker, or Tie, then click the chips in the lower right corner to add them to the betting area. Click on chips in the betting area to remove them.

Deal – Press deal to begin the game once a wager has been placed.

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