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Pennsylvania Online Baccarat

Online Baccarat is a fun pick for almost anyone. The rules of baccarat are relatively simple, and the game offers players an exciting chance to win big.

Online baccarat also has the added benefit of being convenient and easy to access. Compared to most U.S states, Pennsylvania's online casinos offer a wider range of betting options than most live casinos.

Can You Play Baccarat Online Legally in Pennsylvania?

Yes. Anyone in the State of Pennsylvania can play baccarat online provided they are 21 years or older and are gaming on one of the legally approved and regulated online casinos in the State.

By playing on sites approved by the Pennsylvania Gaming Control Board, players are assured of a secure and thrilling game experience. Some of the reputable PA online casinos where players can enjoy baccarat in Pennsylvania include the following:

  • Hollywood Casino
  • PlayLive
  • PointsBet
  • PokerStars
  • Stardust
  • SugarHouse
  • Twinspires
  • Unibet
  • Wind Creek

Who Regulates Online Gambling and Online Casino Games in PA?

The Pennsylvania Gaming Control Board (PGCB) regulates online gambling in the State. The Board was founded in 2004, following the passage of the Racehorse Development and Gaming Act.

The agency is mandated with overseeing slot machine testing and enforces standards for sports betting, legal gambling ages, casino regulations, online poker, online table games, and other forms of online gambling and wagering. However, the PGCB does not manage lottery or non-profit gambling activities.

Is Online Baccarat Played with Real Money?

Yes. Since the signing of the gambling bill, by Gov. Tom Wolf, in October 2017, online gambling with real money is legal. With this legal backing, players have the option of playing with real money using PA casino apps or online Pennsylvania casinos to earn profits or rewards.

At the same time, players who want to learn variants of the online casino game or gain more experience still have the option of using the demo versions to play for free before signing up with live dealer casinos.

Why Choose to Play Online Casino Games in Pennsylvania?


One of the best things about playing baccarat online with a PA online casino app is its convenience. Unlike most traditional casino games, online casinos don't have a wardrobe rule. Players don't have to get dressed up and drive to a brick-and-mortar casino to play their favorite game.

As permitted by the Pennsylvania gambling expansion law, PA residents can play online poker, baccarat, online slots, or any other betting game from any location as long as they have a smartphone, tablet, laptop, or desktop computer and an internet connection.

Online casinos in PA are open round the clock. Players can get cozy on a couch or armchair and play their favorite online casino games whenever they want.

In addition to the trouble and time it takes to get to land-based casinos, there is also the money it costs. If a player takes public transportation to a land-based casino, they can expect to spend money on buses or taxis to get there.

If they drive their own car, they will have to pay for gas and a parking spot. These are not issues that players who choose PA online casinos need to think about.

Live Dealer Baccarat Games

Playing live dealer games is a great option for players who cannot afford to go to the land-based casinos because of the travel cost and other related expenses or they can’t fit it into their schedule.

Live dealer baccarat games are situations where online casinos use streaming technology to offer live dealer games in real-time and over the internet to players.

This baccarat variant provides a perfect blend of live play and technology. Players can use the playing interface’s chat facility to interact with one another while enjoying a casino game.

Switching Casinos with Ease

One of the greatest hassles of gaming in land-based casinos is moving from one casino to the other, searching for one’s favorite table games. Such movements usually involve walking long distances or taking taxis or Uber to get around casinos.

For players who are not interested in extra travel expenses or needless workout sessions, with the possibility of sweating a storm before getting to play baccarat games, the easiest option is to play at top online casinos in Pennsylvania.

With online gaming, switching between online casino games to another is a matter of seconds. Maybe minutes. But definitely not hours.

Play Free Games Online

Most PA online casinos allow players to play baccarat online, usually with no time limits. This is a fantastic way for rookie players to learn how to play roulette games or baccarat without losing money.

In addition to casino bonuses (or bonus money), online casinos can offer free games because they have low costs: software isn't expensive to keep up to date, and website hosting isn't too expensive either.

This isn't true of land-based casinos, which have limited space (which is often expensive) and a lot of extra costs, such as wages, utility bills, and maintenance.

Game Speed Control

When playing at a land-based casino, the game is usually fast-paced, and this doesn’t give players—especially beginners—time to think through their strategies.

While this rapid pace of gameplay is not to players’ advantage, the casinos stand to make more money from fast play because the house has the edge over players.

In contrast, PA online casinos give a player control over game speed: when the round starts, when betting begins, and when a new round starts are all determined by the player. Also, if the player feels the game speed is too slow-paced, they can speed things up.

Low Stakes

PA online casinos offer easier entry. Even though mini-baccarat is one of the cheapest games one can find in brick-and-mortar casinos at $5 per hand, online casinos make the game available to players at even cheaper rates with the added benefit of casino bonuses (usually activated via a bonus code). Playing baccarat online typically requires a $1 minimum wager.

Ability to Limit Social Interaction

Although the chatroom feature of online baccarat games allows players to communicate, gamers who want to avoid the small talks or the annoying know-it-alls who feel compelled to give unsolicited advice can avoid such chatter by deactivating the chat facility. It is typically difficult to avoid such conversations in a land-based casino when playing table games.

Absence of Etiquettes

Playing baccarat in a land-based casino comes with etiquettes such as not touching the cards in mini-baccarat, and avoiding excessive celebrations, among others. These unspoken rules may be known to most experienced players but novice players are usually unaware of them, thus contributing to the belief that a baccarat table is an intimidating place.

Online casinos in PA do not have such constraints. Players can enjoy live dealer games or online table games and celebrate however they want in the comfort of their homes.

Where can I Play Online Baccarat in Pennsylvania?

There are many top PA online casinos where players can play online baccarat, online slots, poker, and more. Similar to NJ online casinos, many of these casinos offer attractive bonuses. Listed below are some highly-rated casinos licensed by the PA Gaming Control Board.

  2. FanDuel
  3. Caesars Casino & Sportsbook
  4. Draft Kings
  5. Unibet
  6. Hollywood Casino

Does Online Baccarat Pay Real Money in Pennsylvania?

Yes. Players can win real money by playing baccarat online, but they need to watch out for shady casinos that don't follow the highest standards of honesty, fairness, and transparency in gambling. If you play on these fake sites, you might lose your hard-earned money.

Players who want to win real money should only play on sites that are known to be trustworthy and regulated by a government-appointed agency. Such sites offer online gambling security.

Do You have to Pay Local Taxes on Gambling Winning in PA?

Yes. According to Pennsylvania Statutes Title 72, Section 7303 (a) (7), gambling winnings from sports betting and PA online casinos are fully taxable in the State.

Pennsylvania residents must pay taxes on gambling income from online slots, table games, online sports betting, horse racing, and jackpots, among others.

This is also true for winnings earned directly at the casino, an online sportsbook or via online casino apps. Game variants don't matter--whether it's a game of three card poker or the Ultimate texas hold em.

Also, residents are required to report online casino lottery winnings from other states and countries. In summary, residents of the state are expected to pay taxes on all gambling and lottery winnings within and outside the state, except non-cash prizes derived from playing the Pennsylvania State Lottery.

In a similar vein, nonresident individuals must pay taxes to the Commonwealth of Pennsylvania on gambling and lottery winnings gotten from online casinos within Pennsylvania, other than non-cash prizes of the Pennsylvania State Lottery.

In addition to cash, taxable income may include the value of non-cash prizes like a car, boat, or a motorcycle—excluding non-cash prizes from the State Lottery. The State does not tax gambling-related expenses such as meals or hotel lodgings; Pennsylvania charges a flat rate of 3.07% on all taxable income, including online casino gambling and lottery winnings.

Players should note that even though Pennsylvania does not tax non-cash prizes from the State Lottery, they are still subject to federal income taxes.

What is the Best Online Baccarat Casinos in Pennsylvania?

Different people have different ideas about which version of online casino baccarat is the best, but most players agree that mini-baccarat is a fun and easier pick for beginners.

Before mini-baccarat came along, the classic version of the game played at most PA casinos was mostly for "high rollers," or people who spend a lot of money. Games took place in VIP gambling rooms, and players had to bet at least $100 to join in.

All of that changed with mini-baccarat. The variation was able to change the gambling scene because the stakes are low, and the games move quickly. This led to the game being put on the regular gambling floor instead of just in VIP areas. So, it was able to bring in players who had not been able to play before.

Because of how easy it is to play, it's not surprising that a large percentage of players think it's the best version. Most of the best PA online casinos offer this variant.

Can You Play Online Baccarat on Your Phone In Pennsylvania?

Yes. Most of the top-rated casinos in Pennsylvania have apps available for download to a smartphone. This means players can quickly access their preferred online casinos through personal accounts and play their favorite baccarat games in minutes.

For players using android phones, they can download an online casino app—from legal and regulated casinos—through the Google Play Store. If it isn’t available in the Play Store, they can download it via the online casino’s website. Some online casinos in Pennsylvania also provide direct download options for Window based devices which allow for different types of wagering, including live dealer games.

Baccarat on the iPhone has great graphics, a simple interface, and is very easy to use. Most Pennsylvania casino apps work with iPhones, and downloading them only takes a few seconds. Players can play mobile baccarat on the go by logging in with their existing account details.

How many Online Casinos are in Pennsylvania?

As of April 2022, there were over a dozen Pennsylvania online casino operators with the PGCB’s seal of approval to provide gambling activities in the Commonwealth of Pennsylvania. Most PA casinos offer real money gaming, live dealer casino games, and PA online casino apps for mobile gaming. Some examples included:

  1. BetMGM Casino
  2. FanDuel Casino
  3. Caesars Casino and Sportsbook
  4. DraftKings Casino
  5. Unibet Casino
  6. Hollywood PA Online Casino
  7. BetRivers Casino
  8. Stars/Fox Bet Casino
  9. Borgata PA Online Casino
  10. SugarHouse Casino
  11. Parx PA Online Casino
  12. PointsBet Casino
  13. Betway PA Online Casino
  14. Stardust Casino
  15. Barstool Casino
  16. Twinspires PA Casino
  17. PlayLive! PA Casino Pennsylvania
  18. Wind Creek Casino Pennsylvania

What is the Best Baccarat Variant?

Before mini-baccarat came along, the original versions were primarily targeted at high rollers (large spenders at the tables), and games were held in VIP sections. Players had to pay a minimum of $100 to participate. But with the introduction of mini-baccarat, which has low stakes and quick play, as well as availability on the normal floor rather than in VIP rooms, more players were able to participate in a game that they had previously been excluded from. So, it's not surprising that gamers believe it's the best version of the game.

How to Play Baccarat Online

Object and Elements of Baccarat

Baccarat is simply about betting on which hand of the two dealt—the Banker’s hand and the Player’s hand—will win. A winning hand is the one with the highest points out of a possible 9 points. The principal elements of baccarat at most Pennsylvania online casinos include the following:

  1. Play table
  2. Betting area
  3. Dealer(s)
  4. Croupier

In baccarat, players are seated at the table around the dealer. Each player has an assigned betting area divided into 3 smaller zones for each bet: Player, Banker, and Tie. The commission box is also included at the table; the winning banker bets are charged a 5% fee.

The dealer supervises the table and directs the gameplay. Besides that, the dealers are responsible for dealing with the cards, calculating commission, taking bets, and paying them out.

Baccarat Bets

Some players have the wrong impression about baccarat because it is similar to blackjack—based on assigned cards with point values. This isn’t true, however. Unlike blackjack, players do not have decisions to make outside their bets. The dealer handles almost everything in baccarat.

Available Side Bets

The choice of side bets available is dependent on the baccarat variant being played. Some of the usual bets at online casinos include:

  • All Red or All Black- the card in the player’s hand will be of the same color.
  • Bellagio Match- the player or banker is expected to have three cards of the same kind, like 3 Aces.
  • Double 8- both player and banker are expected to have 8-valued hands.

Players should note that side bets come with high odds and equally high house edges. It is not advisable to invest a lot of money in them as the chances of winning are pretty slim.

How to Play Baccarat

  1. Players place bets on three options: the player, banker, or tie. The odds are 1:1, 1:1, and 7:1(in some cases, 8:1) for winning wagers on the player, banker, and the tie, respectively.
  2. The dealer then deals the player and banker two cards each. The player position gets the first card, then the banker, then the player again, etc.
  3. Next, the dealer calculates the points for each hand and compares the results. When the hand is valued at less than 5, both players may be dealt a third hand.
  4. Bets are settled immediately on the spot. The highest valued pair wins the round. The dealer pays out the winning wagers and calculates the 5% commission on the winning banker bets.
  5. A new round starts shortly after and goes through the same stages.

Basic Playing Tips

  1. Before searching for online casinos, you must understand the game in order to win. The first step to playing baccarat is to learn everything there is to know about it. To avoid misunderstandings, it's best to know how the game works inside and out. Before any rookie starts playing baccarat at an online casino, it's also a good idea to carefully read the rules of the game and the casino.
  2. Most baccarat experts believe that betting on the banker's hand offers the best chances of winning. Even if winning on the banker's hand carries a 5% commission, it is still a solid bet to make.
  3. It is often believed that a tie bet should be avoided. Players should remember that a winning tie bet results in a commission payment to the casino. Furthermore, due to the enormous house advantage, this is considered the worst baccarat bet.
  4. Taking advantage of the free games at many of the best online casino sites is a good way to get used to the game of baccarat and get better at it. With this tool, a player can learn how to play the game before betting real money at live dealer games.
  5. Like many of the best online casino games, online baccarat is a good place to keep an eye out for deals. Bonuses are now an important part of online gaming, whether it's table games or live dealer games. So, if you want to get the most out of any online baccarat game, it's best to take advantage of any available bonus code or deal.

Baccarat Strategies

Martingale System

The Martingale system is a negative progression system that expects players to keep their bets the same after a win, double their bets after a loss and return to the original bet after a win. For instance, if a player bets $2 and then wins, they bet $2 again. But if they lost, then the player would bet $4, and if they lost again, they bet $8. If the player wins the next round, they return to $2.

D’Alembert System

In this negative progression system, players must increase their bets after a loss. First, the system expects the player to select a betting amount, e.g., $5. The player starts by placing a betting unit, and if they win, the bet remains the same. However, if they lose, then they increase the bet by one unit. After a win, the player returns to betting a single unit.

Labouchere System

This is also a negative progression betting system but more complicated than the preceding ones. First, the player gets a goal of how much he wants to win, e.g., $100. The goal is then split into a series of smaller numbers, such as 10-20-10-10-20-10-5-5. The player initially bets the sum of the leftmost and rightmost numbers, which is $15 in this case.

If the player wins, they remove the two numbers from the series and progress to the new rightmost and leftmost numbers. If the player loses, they add the amount they just bet onto the right-hand sequence rather than remove the numbers. This would make the sequence 10-20-10-10-10-20-10-5-5-15.

When the player successfully removes all the numbers in the series, they would have won their goal amount.

Fibonacci Strategy

This negative progression system is based on the popular sequence of numbers where each number is the sum of the previous two. The first 10 numbers of the Fibonacci sequence are 1, 1, 2, 3, 5, 13, 21, 34, and 35.

In this betting system, a player starts with a bet of 1 unit (e.g., $2). If the player loses, they move to the next number in the sequence (bet 1 unit again). Again, if the player loses, they move to next (2 units) and so on. As soon as a winning occurs, the player must move back two numbers in the sequence. For example, if a player loses four bets in a row and then wins the fifth, they must move back to betting 2 units.

Paroli System

This is a positive progression wagering system. The players must first choose a bet to be used at the start of the progression, e.g., $5. The system subsequently requires that the player keep the bet the same after a loss but double it after a win. The belief is that this would allow the player to make significant profits quickly if they are on a winning streak but won’t risk much money when losing.

Oscar’s Grind

This is a fairly complex betting system. The system separates the gaming session into several cycles with the aim of producing one unit of profit per cycle. The cycle ends once the profit is made.

The cycle ends when you stake one unit (e.g., $2) and win. If bettor you lose, the bet size remains the same. If they win, increase the bet size by 1unit unless they made a profit of more than 1. The cycle starts all over once the player has made a profit of 1unit.

What is Considered a Winning Hand in Baccarat?

The winning hand in baccarat is the one that is closest to number 9. It does not matter how many participants are involved in the game; one hand belongs to the Player and the other to the Banker. Players will either bet on the “player hand” or the “banker hand” to be the winning hand.

In baccarat, a natural winning hand is achieved when the total value of the first 2 cards dealt equals 8 or 9. The player who hits this score is the one who wins the hand. A Natural 8 is a winning hand, ending the round automatically unless the other hand is a Natural 9, the best possible hand to get in baccarat. An example of a natural is where the first 2 cards are 6 and 3, making a total of 9. Players should note that a Natural 9 always beats a Natural 8.

How are Points Calculated in Baccarat?

To calculate a winning hand in baccarat, players must clearly understand baccarat hand values:

  • All 10s and face cards (Jack, Queen, and King) are worth zero (0).
  • The Ace is worth “1,” and “2 through 9” are worth their face values.
  • Regardless of whether it consists of 2 or 3 cards, the hand's total is determined by adding up the card's values in hand.
  • When the hand's total is 10 or more, the hand is adjusted by deducting 10 or dropping the total’s first (left) digit. For example, if the first 2 cards dealt are Jack and 4, the total of the hand is 4. And let’s say 3 cards are dealt in the order 6, 2, and 6; although 14 would be the total sum, the hand value would be 4 after subtracting 10 (or removing the first digit of the total sum).

What are the Rules to Play Baccarat Online?

Some of the basic rules of playing baccarat online include

  1. Baccarat rules require all the bettings on a specific hand to be completed before the hand starts. The game then begins with two cards being given to each of the two hands: the player’s hand and the banker's hand.
  2. The game’s objective is to bet on which of the hands will afterward get a total that is closest to 9. This is done by betting on the player’s hand or banker’s hand, or wagering that the round would end in a tie.
  3. In calculating any hand value, all 10s and face cards (K, J, Q) have a value of zero, while an Ace has a value of 1. All remaining cards (2 to 9) score at their face value.
  4. When any hand scores higher than 9, that score is adjusted by subtracting 10 from the original value.
  5. There are two actions that players in a baccarat game can take—draw or stand. When a player draws, an additional card is dealt, bringing the total hand to 3 cards. This is also referred to as a hit. When a player chooses to stand, it means they do not wish to draw and want to proceed with the current value of their hand in the game.

Baccarat Third Card Rule: Player

  • If the player or banker has a total of 8 or 9, no additional cards are drawn. Natural is the hand.
  • A third card is dealt if the player's total equals or is less than 5.
  • If the player does not draw a third card, the banker stands on 6 or more and draws on 5 or less.
  • If the player takes a third card, the banker decides on whether to take a third card according to Banker's third-card rule to the right.

Baccarat Third Card Rule: Banker

  • If the banker's total is less than or equal to 2, a third card is drawn.
  • If the banker's total is 3, and the player's third card is not an 8, the Banker draws a third card.
  • If the banker's total is four, the banker will draw a third card if the player's third card is not a zero, one, eight, or nine.
  • If the banker's total is 5, and the player's third card is a 4,5,6, or 7, the Banker draws.
  • If the banker's total is 6, the bank will draw a third card if the third card of the player is a 6 or 7.
  • The bank has a total score of 7 or above.

What are the Rules to Play Baccarat in Person?

The rules of playing baccarat in person do not differ much from playing at online casinos. However, one of the main differences is that players who choose to play in land-based casinos have to physically visit the casino to play their favorite game. Also, players who wish to play in person must observe the rules and etiquette (some unspoken) of playing in land-based casinos.

Baccarat Rules

The aim of baccarat is to get a hand total of as close to 9 as possible without going over. All 10s, Jacks, Queens, and Kings have a value of zero. Aces have a value of 1, and all cards have their face value. Any hand with a value higher than 9 is adjusted by subtracting 10 from the original score or removing the score's left digit.

To begin a game, a player must walk up to a baccarat table and place bets on any of these outcomes: the player’s hand winning, the banker’s hand winning, or there’s a tie. Participants should note that they must place all bets before the game starts.

Individuals who bet on the player’s hand winning and are successful will receive a payout of 1:1, and the house has a 1.24% edge over the player. Players who bet on the banker’s hand winning and will receive a payout of 1:1. However, such an individual will pay the house’s 5% commission on winning from the banker’s hand. The house’s edge over the player is 1.06%.

Persons who bet on a tie and win would receive a payout of 8:1. This betting option, however, has a staggering 14.36% house edge over participants.

When bets are placed, the dealer will draw 2 or 3 cards for the player’s hand and the banker’s hand. The closest hand to 9 wins.

If a hand exceeds 10, then 10 is subtracted from the total sum of the hand. For example, a hand of 8 and 6 is 4 (14-10=4).

Neither the banker nor player decides whether a third card is drawn; the house rules determine this, as illustrated in the chart below.

Player Having
1-2-3-4-5-10 Draws a card
6-7 Stand
8-9 Natural (Banker cannot draw)
When Banker's First Two Cards Total: Banker Draws when Player's Third Card is: Banker Stands When Player's Third Card is:
3 1-2-3-4-5-6-7-9-10 8
4 2-3-4-5-6-7 1-8-9-10
5 4-5-6-7 1-2-3-8-9-10
6 6-7 1-2-3-4-5-8-9-10
8-9 NATURAL (Player cannot draw)

What are the Advantages of Playing Baccarat Online?


Just like other online casino table games, baccarat does not require getting dressed, leaving the house, incurring travel costs (whether public or private transport), or spending money on food and drinks at land-based casinos before gamers can play the game. These are inconveniences associated with playing in person.

Playing baccarat online affords players the luxury of lounging in their pajamas, muumuus, and other types of house clothes, munching on snacks in the comfort of their apartments while they play their favorite baccarat games. Playing online baccarat provides the convenience one cannot get from playing at land-based casinos.

Ease of Learning

Although most players have the notion that baccarat is a challenging game, this is not the case. Once a player understands the rules, it becomes simple to play. However, learning in a land-based casino can be an intimidating affair for rookies. By playing online, especially free games, beginners can master the game before stepping up to playing online baccarat with real money.

Low Stakes

Prior to the coming of online baccarat, the game was mainly played by high rollers, folks who were willing to spend lots of money at the table. Back then, the stake limit was as high as $100 in casinos. As a result, the game was played in exclusive VIP rooms.

With the introduction of online gaming, the scope of gamers who could play was broadened because players could play online for as low as $5 or $10. Because online operators do not have high overhead costs, they are able to make games available with lower wagering limits. Land-based casinos cannot do the same due to costs associated with dealer wages, equipment, and security.

Controllable Gaming Speed

Playing online baccarat permits new players to play at a slower pace. Baccarat rules can be challenging to take in all at once, especially in a busy, often noisy brick-and-mortar casino. But when rookies play the game online, they can slow down the game and ponder over their playing strategies. The same can also be said of more experienced players.

Ease of Changing Games

There are loads of baccarat variants available for players. But players who choose to play in person often have to walk long distances to access these versions, which are usually available in different casinos spread over long distances. With a few clicks, online gamers can easily browse and access dozen, if not hundreds, of baccarat variants to make their choice.

Free Online Games

One of the benefits of playing online baccarat is that players can practice classic game types or learn new variants by playing free games. This way, they do not incur losses before they get the hang of the game.

Live Dealer Games

Players who do not want to travel to land-based casinos due to cost-related considerations, inconveniences, or concerns over using random number generator software in gameplay have a great alternative in the live dealer baccarat game. Using an experienced dealer at the baccarat table, with real-time baccarat games provided to online gamers using high-quality cameras that enable players to witness all the action, this version uses a perfect mix of live play and technology to enhance the gaming experience.