Baccarat Online Casino Games Guide for New Jersey Players

Elegant and fast-paced, Baccarat is one of those classic games that attract players all around the world regardless of their level of experience. The comparing card game arrived in NJ online establishments in 2013 along with the launch of the industry in the state, and New Jerseyans can’t seem to get enough of it. According to the NJ DGE’s report, in 2022 alone casinos have paid nearly $1.5 million of baccarat jackpots of $50,000 and over to NJ online players[1].

At this page, we’re exploring the world of James Bond’s favorite card game to help you learn how to play Baccarat effectively, place bets appropriately, and ensure you have fun with every coup. We will also take a close look at Baccarat variations and top-rated New Jersey online casinos to play the game at. Read on to dive into the grand world of Baccarat with its simplistic yet satisfying flow!

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online baccarat NJ
Quick Details:
Baccarat VariationsPunto Banco, Baccarat Chemin de Fer, Baccarat en Banque
Baccarat House Edge1.06%
Minimum Bet Available$1
Maximum Bet Available$1,000
Baccarat Games DevelopersNetEnt, IGT
The Best Baccarat Casino SiteBetRivers
Game With Maximum Payout$9,000 in Baccarat by NetEnt

Top Baccarat Online Casinos in New Jersey in February 2024

The table below shows only DGE approved real money baccarat casinos for New Jersey players.

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4.8 /5
100% Up to $1,000 + $25 FREEPLAY®
  • 7+ baccarat games
  • Minimum deposit of $10
  • Multiple first person baccarat games
  • Baccarat doesn't contribute towards wagering
Read review
Full T&Cs Apply. New players only. 21+

Full T&Cs Apply. New players only. To be eligible players must be 21 years or older and playing within the state of New Jersey. $10 minimum deposit required. Players must wager the bonus amount 10x on all slot games.

4.8 /5
Deposit $10 & Get $40 Bonus Dollars
  • New 2023 NJ online casino
  • Smooth & user-friendly casino interface
  • Huge progressive jackpots
  • Just one baccarat game
Read review
Full T&Cs Apply. New players only. 21+

Full T&Cs Apply. New players only. To be eligible players must be 21 years or older and playing within the state of New Jersey. $10 minimum deposit required. Players must wager the bonus amount 15x on all games.

4.6 /5
24 Hours of Losses Back Up to $500
  • 5+ baccarat games
  • 1x wagering requirements
  • Mobile-friendly apps for both iOS and Android
  • Bonus money cannot be wagered on baccarat
Read review
Full T&Cs Apply. New players only. 21+

Full T&Cs Apply. To be eligible, players must be at least 21 years old, playing within the state of New Jersey. Players must make a single deposit of $10. The bonus money has a 1x wagering requirement.

4.4 /5
100% Up to $1,000 + $20 FREE On Sign Up
  • 8+ baccarat games
  • Special NHL baccarat
  • Multiple live dealer baccarat games
  • Only slot games contribute to the wagering requirement
Read review
Full T&Cs Apply. New players only. 21+

Full T&Cs Apply. New players only. To be eligible players must be 21 years or older and playing within the state of New Jersey. $10 minimum deposit required. Players must wager the bonus amount 15x on all games.

4.4 /5
100% Deposit Match Up to $1,000
  • $1,000 welcome offer for new NJ players
  • Baccarat games from IGT & Evolution
  • Deposits with PayPal accepted
  • No demo play, unfortunately
Read review
Full T&Cs Apply. New players only. 21+

Full T&Cs Apply. To be eligible, players must be at least 21 years old, playing within the state of New Jersey. Players must make a single deposit of $10. The bonus money has a 30x wagering requirement.

4.2 /5
100% Up to $500 + 100 Bonus Spins
  • Various banking options
  • Wide variety of baccarat games
  • 24/7 customer support
  • Bonus money cannot be wagered on baccarat
Read review
Full T&Cs Apply. New players only. 21+

Full T&Cs Apply. To be eligible, players must be at least 21 years old, playing within the state of New Jersey. Players must make a single deposit of $10. The bonus money has a 10x wagering requirement. The 100 Free Spins are valid on Starburst™ only.

4.2 /5
100% up to $100 + 20 Bonus Spins
  • Get 20 Reward Spins for simply registering (no-deposit)
  • Up to $100 in bonus play & additional 100 reward spins
  • WR: 10x - slot games, 20x - all other games
  • No live dealer casino games
Read review
Full T&Cs Apply. New players only. 21+

Full T&Cs Apply. 21+. New players only. Players will receive the bonus after completing their account registration. All winnings generated from bonus finds will be a subject to wagering the bonus amount – 10x on slot games and 20x on all other games. Valid within the State of New Jersey only.

Top Picks to Play Baccarat for Real Money Right Away

When it comes to baccarat sites available toNew Jersey players, we must admit there aren’t many casinos to choose from. We checked every single of the state’s licensed casino brands and discovered that, at the moment of writing, only a handful of casino brands allow players to wager bonus funds on baccarat games. Obviously, it has everything to do with the baccarat’s house edge, 1.06%, which is lower than other table casino games.

Long story short, here is the list of three casino sites that don’t restrict players to wager bonus funds on baccarat games.

Golden Nugget NJ

Golden Nugget offers New Jersey players a whopping welcome bonus of a 100% Deposit Match up to $1,000 + 200 Bonus Spins. To get started, a player must deposit at least $30. The deposit match bonus funds and 200 Bonus Spins on 88 Fortunes Megaways will be credited instantly.

The wagering requirements are 10x the deposit. According to the official Golden Nugget’s T&Cs, baccarat games contribute 25% towards wagering.

There is a ‘but’ though: baccarat games, unlike slot games or other casino games, are restricted to a max bonus bet of $200 per wager. Golden Nugget has two variations of baccarat, one from NetEnt and the other one powered by IGT. The bet range is $1 – $1,000 per round.

Tropicana Casino

Tropicana Casino is the second casino that allows players to wager their bonus funds on baccarat. Good old Tropicana online casino has been operating in the Garden State from the very beginning in 2013. Today, Tropicana offers a 100% Bonus Match on players’ first deposit up to $500.

The playthrough requirements are quite large – 100x. Yes, you’ve read it right. Offer’s T&Cs don’t clearly specify how much baccarat contributes towards wagering. They simply say that all table games contribute 20% towards satisfying Wagering Requirements.

In other words, if you deposit $100 and get $100 bonus funds, with 100x wagering requirements you’ll have to wager $50,000 on baccarat to withdraw bonus winnings.

Playing baccarat games with bonus funds at Tropicana is probably not the optimal choice, but if you are a huge fan of baccarat, enjoy the play regardless.


Unibet NJ Casino entered the New Jersey market through a partnership with Hard Rock Hotel & Casino Atlantic City in 2019.

Unibet offers new customers a 50% Deposit Match up to $1,000 welcome bonus with a $10 minimum deposit and a list of convenient payment methods with low withdrawal limits. For this bonus, players must meet 25x wagering requirements within 30 days from the day bonus funds were awarded.

Bonus’ terms and conditions state that all table games contribute only 10% towards bonus wagering, or every $100 wagered on baccarat contributes only $10.

What Baccarat Games Can You Play in NJ Online Casinos?

Alright, baccarat gambling may not be as statewide as online blackjack, roulette, or slot games, but chances are still high that you can play online baccarat for real money at your favorite NJ online casino.

All in all, there are three free baccarat game options available to players in New Jersey (yes, best baccarat casinos also allow you to bet real money if you choose to gamble for real).

Baccarat by NetEnt. Filed under the low volatility category, this game is by far the most popular: you can find it in 5 NJ online casinos. It stays true to the classic rules of the game and allows bets as low as $1.

If you prefer to bet big, you can go all the way to $1,000 in a single wager. Return to Player (RTP) is a whopping 98.94%, with the largest payout possible capped at $9,000.

Baccarat by IGT. This spin-on-the-table game welcomes players at three different online casinos. The bets can range between $1 and $1,000, with the biggest payout possible limited at the $8,000 mark.

However, this version of the game comes with a slightly lower RTP (98.7%) than its NetEnt and Roxor counterparts.

Baccarat by Roxor. It may not be as popular with casinos as the other two games, but it comes with the same RTP as NetEnt’s version (98.94%). The bet can vary between $1 and $1,000, too.

These three games are available across seven online casinos licensed to operate in the Garden State. Here’s what welcome offers they have in stock for new players:

  1. Resorts Casino. You can get up to $1,000 as a deposit bonus with your first deposit. However, the wagering requirement for table games is obscenely high: 150x.
  2. Mohegan Casino. We could just copy and paste the terms and conditions of the offer above here – it’s the same as Resorts’.
  3. Golden Nugget. This casino will also match your first deposit (upward of $30 and up to $1,000 max). The wagering requirement on those sweet casino bonuses is 10x the sum of the deposit and bonus itself. Still, table games contribute only 25% towards it.
  4. Borgata Casino. Surprisingly enough, there are no welcome offers for new players at this casino right now.
  5. Caesars Casino. Caesars matches up to $1,000 of your first deposit with the same amount in bonus dollars. You’ll have 7 days to meet the wagering requirement of 25x for games other than video poker and slots.
  6. Suppose you deposit up from $10 for the first time at Tropicana. In that case, you’ll get a cashback of $100 max on it (not with bonus dollars – we’re talking about gambling online for real money here). The amount will equal either the deposit itself or the first week’s net losses.

Important: the minimum age for any sort of online gambling in New Jersey is 21. So, if you’re under 21, you cannot access casino games.

How to Play Baccarat – Learn the Rules

Don’t let yourself be intimidated by this game. It is simple: you bet on which of the two parties (the Banker or the Player) gets the better hand of two playing cards.

The “better hand” in this game means two cards’ value is the closest to or equals 9. Cards values are as follows:

If you get a 2 and a 4, your hand is worth 6 points. If you get a 9 and a 4, your hand’s value equals the second digit of the sum (3 instead of 13).

Online Baccarat Gameplay

Here’s a step-by-step guide on how the game unfolds:

  1. Players place their bets on the player, the banker, or a tie (more on them – below).
  2. Both the player and the banker are dealt their hands – two cards. They are then turned over.
  3. If one of the hands is worth 8 or 9 points, it’s a natural win. If you bet on the player and the player got a win, you won your bet. If both hands are natural wins, it’s a tie.
  4. If neither party scored a natural win, the player might get a third card added to the hand – but only if they have between 0 and five points so far. (If they scored 6 or 7, they don’t get the third card dealt.)
  5. In case the third card is given, the banker may get the third card, too. Whether or not that happens depends on the player’s third card and the banker’s current total points.

Major Baccarat Bets and Payouts

The beauty of baccarat games online is how straightforward betting is. There are just three types of wagers you can place:

  1. layer bet. You’re putting your money on the player getting the better hand than the banker. If you win, you double your wager.
  2. Banker bet. It means you’re placing your faith in the banker getting the better hand than the player. It pays out twice as your bet if you win, minus a commission fee in most casinos (usually 5%).
  3. Tie bet. Basically, you’re hoping for both the player and the banker getting 8 or 9. The payout is lucrative – usually, it’s 8 to 1.

Baccarat Odds

The Banker has a slight advantage over the player. That’s why their hand is more likely to be a winning one. The odds of that happening are 45.8%, while the player wins in 44.6% of all cases. The rest – 9.6% – accounts for the cases where a tie occurs.

Top 5 Baccarat Tips for Beginners

Ready to explore all that it has to offer? Great! Before you settle on one of the online games we’ve listed above, though, consider these five tips for any novice to keep in mind during baccarat online for real money:

Avoid placing a tie bet

It comes with a lucrative reward: you’ll get 8 or 9 times more than the initial wager if you win. Yet, the odds of that happening are low. That’s why the house edge on the tie bets is so much higher (14.36%).

Bet on the Banker

The odds of the banker getting the upper hand are a bit higher, as covered above. So, consider betting on this horse. (But keep in mind there’s usually a commission on the winnings for this wager!)

Employ a betting baccarat strategy

The one-sided strategy, for example, dictates the player to place bets consistently on the banker or player. According to it, you can switch the bet type only once you’ve lost three times in a row.

Don’t get too caught up

Set a specific budget limit for yourself. Then, stick to it. It’s easy to discard it once you get caught up in the game, but resist the urge: your bank account will thank you later.

Remember: this is a game of chance

Just like with many other table games, you can stumble upon articles describing ways to fool the game. Yet, there’s no such thing as getting more skilled at the baccarat game. Whether you lose or win is based on odds, not your skill or previous outcomes.

Baccarat Land-Based Casino List in Atlantic City Casinos

Playing baccarat online counterpart is excellent for enjoying playing in the comfort of your home. Still, you’re going to miss out on the game’s social aspect. If you decide to venture out onto the casino floor, here’s what the top five casinos of the Monopoly City have to offer you:

  • Borgata Casino. Yep, this is the casino where Phil Ivey raked in $10 million in this game’s winnings in 2012. These days, Borgata’s casino floor has both mini-baccarat and baccarat table options with minimum bets set at $100 and $20, respectively.
  • Tropicana. On this casino’s floor, there’s only one version of the game: mini-baccarat. The minimum bet is $25.
  • Caesars Casino. This is the right place for you if you want to get your hands on various games. There are EZ Baccarat (i.e. the no-commission version of the game), midi, and mini-baccarat tables at your disposal. The lowest bet you can make starts at $20.
  • Harrah’s Casino. Multiple mini and midi tables are waiting for you at Harrah’s. The first ones require you to bet upward of $15 on the luckiest of nights, with the usual minimum varying between $25 and $100.
  • Bally’s. This casino stands out among the rest on our list thanks to its EZ Mini-Baccarat and Macau Style Mini-Baccarat tables – the latter ones aren’t that common in Atlantic City. They come with a minimum bet requirement of $15.


  1. The State of New Jersey Department of Law & Public Safety – Division of Gaming Enforcement – Announcement of Atlantic City Jackpots $50,000 or more,


What Baccarat variations can I play in NJ online casinos?

Most of the NJ online casinos offer the classic version of the game made, however, by different developers, which makes each title fun and unique. Look for Baccarat from NetEnt, IGT, and Evolution Gaming — these are the best ones to try.

What is the payout rate of online Baccarat?

The Baccarat payout rate might vary from one title to another, but in most cases, it is 0.95:1 for the Banker Bet, 1:1 for the Player bet, and 8:1 for the Tie.

Is Baccarat a game of chance or a game of skill?

Just like many other table games present in NJ online casinos, Baccarat is the game of pure chance. While it’s still useful to understand the rules and read a couple of tips and tricks, the final outcome will depend on your luck only.

What is the Baccarat house edge?

The house edge of Baccarat depends on which hand is being played. It’s 1.36% for the Player’s win, 1.06% for the Banker’s win, and 14.36% for the Tie.

Is it possible to play Baccarat for free in NJ?

Yes, a lot of NJ online casinos have free demo versions to try before you decide to bet real money. Golden Nugget, for instance, doesn’t even require you to log in to play free Baccarat.