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Playing Baccarat Online

Whether or not you can play online baccarat legally in the US largely depends on where you are in the country. The 2011 Department of Justice opinion on the 1961 Federal Wire Act enabled states to legalize online gambling within their borders.

As of 2023, several US states have legalized the operation of online casinos, including Connecticut, Delaware, Michigan, New Jersey, Pennsylvania, and West Virginia.

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How Old Do I Need to be to Play Online Baccarat in the US?

States have the authority to set requirements for online game providers and players. Because of this, how old you need to be to play online baccarat in the US varies from state to state. To play online baccarat in Connecticut, Delaware, Michigan, New Jersey, Pennsylvania, and West Virginia, gamers need to be at least 21 years old.

Is Online Baccarat Played with Real Money in the US?

Yes, online baccarat can be played with real money in the United States. The 2011 DOJ opinion on the Wire Act decided that states have the authority to allow people to play casino games with real money. States that allow real-money online casino games usually require players to be physically present within their borders.

Where can I Play Online Baccarat in the US?

You can play online baccarat in any state that permits online casinos, such as Connecticut, Delaware, Michigan, New Jersey, Pennsylvania, and West Virginia. Sweepstake casinos offer a legal option to play baccarat online if you are outside any of these states.

Instead of real money, sweepstakes use virtual currencies, which cannot be traded for real cash. Each time the virtual currency is purchased, the buyer receives bonuses called sweep coins which have a cash value. Sweepcoins holders can use them to play in the casino and win prizes. This arrangement is legal in several states.

Offshore casinos offer their services in the United States. However, they operate based on licenses from other countries and do not have a clear legal status in the US.

Does Baccarat Pay Real Money in the US?

Baccarat players in the US can win real money from the game. Players can withdraw their baccarat winnings in cash both in online and brick-and-mortar casinos. Also, sweep coins from winnings in sweepstakes casinos can be redeemed for prizes.

But note that several rules apply to the withdrawal of winnings. For example, online gamers in Delaware must claim their winnings within a year. Casinos may also have periodic withdrawal limits that restrict the amount of money you can withdraw.

Online Baccarat Gambling in the US

There are several exciting casinos in the US where you can play your favorite online baccarat game. Some of the top picks across the country include


A top online casino brand in Michigan, New Jersey, Pennsylvania, and West Virginia, BetMGM is notable for its wide range of high-quality games. Making it possible for you to find your favorite baccarat variants. In addition to its large welcome bonus of up to $2,500, the casino is fast in payout, has good customer service, and has accessible apps.

Caesars Casino

Caesars casino is prominent in Michigan, New Jersey, and West Virginia iGaming markets. It hosts games from top gaming software providers. The casino also has an interesting layout and a variety of deposit options. Players can also enjoy large deposit bonuses and take part in an extensive loyalty program.

Golden Nugget Casino

Live in states like New Jersey and Michigan, the casino has an elegant layout and games from established software companies. It is also prominent for fast payout, which enables players to receive withdrawn funds as soon as a day.

DraftKings Casino

Currently live in Michigan, West Virginia, New Jersey, Pennsylvania, and Connecticut. The casino has market-leading bonuses and a wide selection of table games, including baccarat. Its payout speed is between 3 and 5 working days.

FanDuel Casino

Available in states like New Jersey, Pennsylvania, West Virginia, and Michigan. FanDuel casino has several exclusive titles. Its website incorporates several features, including its sports bets.

Can You Play Online Baccarat on Your Phone in the US?

Gamers with an internet connection can play online baccarat using their phone or tablet. Several online casinos that offer baccarat have applications and websites that are accessible to phones. Casino mobile applications are available on Google Play and the Apple store. Download links are also usually included on the casino’s website.

How many Online Casinos are in the US?

There are not many licensed online casinos in the United States. Connecticut has only two, Delaware has three, Michigan has 15, New Jersey has seven, Pennsylvania has 18, and West Virginia currently has up to eight. As such, in total, the US has over 50 licensed online casinos. This does not include sweepstakes and offshore casinos that offer their services in the country. According to the National Center for Responsible Gaming, about 3,000 websites offer internet gambling services in the US.

What are the Different Online Baccarat Variants?

Baccarat is a popular game with several variants. Even though the rules are the same, the variants offer different game formats that can thrill players. Exploring the baccarat variants widens your horizon about the game. Not only that, your new favorite might just be waiting to be discovered by you. Here are the common baccarat variants in US casinos.

Punto Banco
Perhaps the most widely played variant. It is very similar to classic baccarat. There must be at least 12 players. The game is played with six standard decks of 52 cards.

Baccarat Banque

What sets this version of baccarat from others is how it is set up. The dealer is picked before each round. The basis for the selection is usually either the first to join the game or the person with the highest stake.

Chemin De Fer

You’ve probably seen this variant in your favorite James Bond movie. This version of baccarat has a couple of distinctive features. First of all, instead of competing against the bank, players play against one another. Also, the bank can separate an amount to wager and any player can decide to match it.

European Baccarat

This version allows players to choose whether to stand or draw when they have a 5. This also gives the banker the choice of drawing an extra card. Furthermore, the house funds the bank in this version. So if the bank stands at a particular amount, players’ wager cannot exceed that amount.

Mini Baccarat

This version simplifies the game and makes it faster. It is a great option for quick, low-stakes games that are also exciting. The game uses a smaller table than other variants and is very similar to punto banco in play.

Dragon Tiger

In this version, players can bet either on the dragon or tiger side. What makes this game exciting besides its interesting layout is the option of side bets. Players can bet on a suited tie or a card being big or small. A big card is one with a value above seven while a small card has a lower value.

No-Commission Baccarat

This version removes the 5% commission paid on the winnings from a successful Banker bet. This affects the odds and house edge on the banker’s side.

What is the Best Baccarat Variant?

What baccarat variant is best for you is a matter of personal preference. Every variant of baccarat is thrilling and interesting to play. Nonetheless, you may end up having a favorite after exploring them. But each version of the game has its distinctive features and advantages.

Mini baccarat is an exciting option for quick games and low stakes. Dragon Tiger offers innovative side bets that can increase your prospect of winning. The rules for the variants are also very similar. But you need to take note of your hand and wagers. Ties and side wagers usually have a high house edge, which means that the casino is more likely to profit from it. Also, take note of the rules when there is no bank commission and know the actual effect on the odds and house edge. In any case, you can’t go wrong in selecting any of the versions of online baccarat. Some benefits of playing online include playing from the convenience of anywhere, large bonuses, free games and demos, easy cash-out, and the absence of etiquette rules.

Money: Deposits, Bonuses, and Payments

Can I Play Baccarat for Real Money?

Interested persons can play baccarat for real money in the US. There are a number of legal casinos that offer several variants of baccarat where you can play and win money. To play baccarat online, the casino would typically require you to create an account with them. Then afterward, fund the account with the amount you intend to stake on the game. Winnings from your gaming activities are deposited in your casino account. Casinos offer several funding and withdrawal options, including cards (either credit, debit, prepaid, or casino-specific), e-wallets (such as PayPal and Neteller), bank transfers, and bitcoin. Service providers may include additional charges for your transactions.

Do I Have to Play for Real Money?

You don’t have to play baccarat for money. You can play for fun or simply practice the rules till you play with cash. Several websites and online casinos in the US offer free baccarat games. Free websites are likely not to require licenses as you do not have to wager anything of value. Licensed casinos also provide demo mode for their games. This enables players to explore the game and understand its rules before playing for real money.

How Can I Cash Out My Online Baccarat Winnings?

You can cash out your online baccarat winnings through your online casino’s payment or cashier feature. The casinos will require you to provide your casino password. You will also go through a verification process involving the provision of your ID. This is to cross-check that age requirements have been met. Following this, you can select your preferred withdrawal method, input the amount you want to withdraw, and provide your details. Note that casinos may have daily, weekly, or monthly withdrawal limits. Take note of them to plan your withdrawals. Finally, the best casinos will ensure that the funds reflect in your bank account between one and three days. A long payout period, exceeding a week, may indicate poor payment service or a banking problem.

Are There Bonuses for Online Baccarat Players?

There are several bonuses and promotional offers you can take advantage of when playing online baccarat. Here are some of the common types of bonuses casinos offer to motivate baccarat players.

Welcome Bonus or Reward
This is a bonus an online casino offers to a new member or player. It is usually a combination of several kinds of bonuses. To enjoy the bonus you will have to register at a casino, get their bonus codes, and make a minimum deposit.

No-Deposit Bonus
These are bonuses that let you play without making a deposit. The casino credits your account with some free cash which can only be used to play. Players can use the bonus to play and win rewards that they can withdraw.

Deposit Bonus
You enjoy a deposit bonus when you credit your casino account with a certain amount. The bonus may be in the form of a percentage increase, an additional amount, or a bonus match-up. Bonus match-up increases your deposit by a percentage up to a limit. For example, a 50% match-up bonus up to $1,000 will increase your deposit by 50% but cannot exceed $1,000. \

Referral Bonus
This is a bonus given to existing players that introduce new players to the casino. Each player will usually have a unique referral link. The casino uses the link to track how many new players come in through a particular person. Casinos may require the new member to satisfy the minimum deposit required before the referral bonus is activated.

Reward Boosts
Reward boots increase a player’s winnings by a particular rate or amount. They are usually available within a short period, allowing players to double their earnings.

Loyalty Bonus and VIP Programs
These are bonuses given to players that frequently patronize a casino. Many casinos also have VIP programs that reward players that wager large amounts of money.

Cash Backs
Cash backs are given to players that lose a particular game to compensate them for their loss. Cash received through the bonus can be used to wager and win money in the casino.

Note that bonuses have their terms and conditions. Make sure you go through them to know their requirements and time limits.

Do I Have to Pay Taxes on My Baccarat Winnings in the US?

Yes. The IRS charges a federal tax on certain gambling winnings. The federal tax rate is 24% for winnings that exceed $600 or any amount that is at least 300 times the wager. Sweepstakes winnings of more than $5,000 are also charged at this rate. The tax is also charged on the fair market value of non-cash winnings such as property and annuity. It is important to keep a record of your losses as well, so you can deduct them.

In addition to federal income tax, state and local governments may also withhold a percentage of gambling winnings within their jurisdiction. Also note that although offshore casinos do not have a clear legal status, winnings from them are taxable. An income is taxable in the US irrespective of its source.

The rules on the taxation of gambling winnings in the US vary from state to state. Some states do not impose taxes on gambling winnings, but many do. The rate is also determined by state law.

States that do not tax gambling winnings include New Hampshire, Delaware, Alaska, Florida, Nevada, New Hampshire, South Dakota, Texas, Washington, and Wyoming. The states with the lowest gambling tax rates are North Dakota, Pennsylvania, and Indiana. They charge below 4%, while other states charge between 4% and 6%.

State policy also differs in charging taxes on non-resident gambling winnings. Many states, including Minnesota, Iowa, and Georgia, charge non-residents’ gambling winnings. Connecticut does not.

Who Regulates Online Gambling in the US?

Online gambling in the United States is regulated by both the federal and state governments. Federal online gambling regulations focus on interstate gambling. Notably, the Federal Wire Act 1961 prohibits interstate online gambling.

Likewise, the Unlawful Internet Gambling Enforcement Act 2006 (UIGEA) prohibits persons engaged in the gambling business from knowingly accepting payments relating to unlawful internet gambling both under state and federal laws.

States have the power to legalize and regulate online gambling within their jurisdiction. They can determine the type of gambling they allow in their jurisdiction as well as the requirements for operators and gamers.

Several agencies are responsible for regulating online gambling in the United States. At the federal level, the UIGEA mandates the Treasury Department and the Federal Reserve Board to develop joint regulations to identify, block, and prevent the processing and acceptance of payment for illegal gambling.

Furthermore, the Department of Justice (DOJ) and its agencies play the important role of enforcing federal gambling laws in the United States. The Department’s opinions have also been crucial in the development of federal gambling regulations.

Similarly, states have specialized agencies to enforce their online gambling regulations. Below are the regulatory agencies in states that have legalized online gambling.

Note that the National Indian Gaming Commission is responsible for regulating online gambling in state Indian reservations.