Online Baccarat Games For Real Money in PA

Online baccarat is available for both free and real-money play in Pennsylvania. It gives you an opportunity to enjoy one of the most-classic casino games through your mobile device or computer.

Internet baccarat offers a few key advantages over the land-based version:

  • It’s cheaper.
  • It’s more convenient.
  • You can get baccarat bonuses.

If you want to enjoy these advantages, you can keep reading this guide to learn more about internet baccarat. This guide covers how you can get started, bonuses, rules, strategy, and more.

How to play online baccarat

Every active Pennsylvania internet casino offers baccarat. Therefore, you simply need to visit a PA gaming site to begin playing this game online. Examples include Unibet, PlaySugarHouse, and Hollywood casinos.

You can enjoy free online baccarat after registering for an account. Each casino is required by law to ask you for certain information (e.g. social security number).

Other pieces of information are based on marketing and bonus purposes. You’ll commonly be prompted to enter the following:

  • Full name
  • Date of birth
  • Home address
  • Email
  • Phone number
  • Social security number
  • Username
  • Password
  • Bonus code

The bonus code identifies which welcome bonus you qualify for. You can use our codes to get the best deals in the PA gaming market.

After filling out the registration form, you’ll need to verify your age and agree to terms and conditions. You then submit the form and wait for approval (should happen instantly).

How do you get baccarat bonuses in PA?

You must enter a proper bonus code to qualify for a PA online baccarat bonus. Again, you can use our codes to get the best-available offers at Hollywood, PlaySugarHouse, Unibet, or any future PA casino site.

Some casinos boast both a no-deposit and deposit bonus, while others only offer the latter.

The former doesn’t require you to place a deposit to play. Instead, you’re eligible for a bonus as soon as you complete registration.

No-deposit bonuses are generally small and range from $10 to $25. You can cash out what’s left of the bonus along with potential winnings after meeting terms and conditions.

Deposit bonuses require you to fund your account. They’re based on a match percentage of your deposit amount.

If you deposit under a 100% match percentage, for example, you’d qualify for a $100 bonus.

Read terms & conditions

You should carefully read the terms and conditions behind any Pennsylvania baccarat bonus. The T&Cs explain what you must do before withdrawing bonus funds.

Common terms include:

  • Playthrough – You need to wager a multiple of the bonus (e.g. 60x).
  • Activate bonus – You activate (a.k.a. claim) bonuses in your account section.
  • Time frames – Casinos give you a certain amount of days to claim a bonus and meet playthrough.
  • Bonus code – Many casinos require you to enter a bonus code during registration and/or the deposit process.

Not all casinos include baccarat in bonus deals

The current Pennsylvania online casinos are good about including baccarat in their bonuses. However, this situation may not always be true for future Keystone State operators.

You should verify that baccarat is included in a bonus deal before assuming so. Some casinos exclude certain games from meeting bonus playthrough.

If you find an operator that does offer baccarat bonuses, then you can always choose another PA casino.

Land based vs. internet baccarat

Pennsylvania offers 12 land-based casinos. It’ll feature five mini casinos in the future as well.

That said, you have no shortage of options for playing baccarat in brick-and-mortar settings. Furthermore, you may wonder what the key differences are between playing at land-based and online casinos.

Here are the advantages to each setting:

Brick-and-mortar casinos

  • Chat with the dealer and other players.
  • Experience the land-based casino atmosphere.
  • Earn a variety of comps (e.g. drinks, limousine rides, spa treatments).
  • Play away in a new setting away from your home.

Online casinos

  • The convenience of playing on your smartphone, tablet, PC, or Mac.
  • Cheaper stakes (e.g. $1 per hand).
  • Bonuses (no deposit & deposit).
  • Control the game speed and take breaks when you feel like it.

Baccarat rules

Baccarat may look complex when considering how hands are scored. However, it’s actually one of the easiest online casino games to play.

You can get started just by knowing which bets to make. Of course, you can take your baccarat knowledge deeper by learning how hands are scored too.

Three different bets

This game offers three wagers:

  • Banker hand winning – 1:1 payout (minus 5% commission on wins)
  • Player hand winning – 1:1 payout
  • Both hands tying – 8:1 or 9:1 payout (usually 8:1 online)

Casinos take a 5% commission from you on winning banker bets to retain their house edge. After all, the banker bet features the lowest house advantage in the game (explained later).

The player hand has a slightly lower chance of winning (44.6%) than the banker hand (45.8%). Therefore, internet casinos don’t require a commission on winning player bets.

The two hands only tie 9.6% of the time. Therefore, the tie wager offers a much-higher payout than the banker and tie bets.

Hand scoring

You don’t need to understand how hands are scored in baccarat. However, you may eventually want to know this information if you’re a big fan of the game.

You should first understand the point values of each card:

  • 10 and face cards = 0
  • Numbered cards = numerical value (e.g. 5 = 5)
  • Ace = 1

The highest-possible score in baccarat is a 9. The first digit is always dropped in a double-digit score (e.g. 14 = 4).

Both the player and banker receive two cards to start a round. Either automatically wins if they have an 8 or 9 (a.k.a. “natural) within their first two cards and the opponent doesn’t.

The player draws for a third card if their score is 0-5 and stands on 6 or 7. Generally, the banker draws with 0-5 and stands with 6 or 7 too.

However, the player’s score affects the banker’s ability to draw for a third card. Here are specific scenarios where the banker draws based solely on the player’s action:

  • Banker’s hand is worth 3 – They draw so long as the player doesn’t have 8.
  • Banker’s hand is worth 4 – They draw if the player’s third card is 2-7.
  • Banker’s hand is worth 5 – They draw if the player’s third card is 4-7.
  • Banker’s hand is worth 6 – They draw if the player’s third card is 6 or 7.

The banker always draws with a total of 2 or less and stands on 7.

Baccarat strategy

Baccarat doesn’t involve much strategy, but it does feature strategy, nonetheless. You greatly boost your chances of winning simply by choosing the right bet.

To do this, you must first know the house edges of all three wagers:

  • Banker bet = 1.06% house edge
  • Player bet = 1.24%
  • Tie bet = 14.36% (8:1 payout) or 4.85% (9:1 payout)

You can see that betting on the banker hand results in the lowest house advantage. This wager gives you the strongest chance of winning, even when including 5% commissions on wins.

The player bet also offers a low house edge in the general scheme of gaming. However, you should stick with the banker wager to maximize your odds of winning.

Baccarat apps

All Pennsylvania online casinos feature apps for Android users. Two out of the three offer casino apps for iOS users.

Unibet and Hollywood online boast both types of apps. Therefore, you can download an app for both of these PA casinos with an Android, iPad, or iPhone.

PlaySugarHouse online casino only features an Android app. You must download GeoComply (from GeoGuard) and use your browser to play SugarHouse’s baccarat with an iPhone or iPad.

Live baccarat

Unfortunately, the PA internet gaming market doesn’t boast live dealer gaming yet. However, each active casino does offer a live casino in other markets.

You should be able to enjoy live baccarat in Pennsylvania within the not-so-distant future. This version features a dealer, real table, cards, and chat function.

All these elements combine to make you feel like you’re sitting in a brick-and-mortar casino⁠—even when playing through your smartphone or PC.

FAQs on PA Online baccarat

Is it legal to play online baccarat in Pennsylvania?

Yes, each PA internet casino holds licensing with the Pennsylvania Gaming Control Board (PGCB). You merely need to be 21 years old and located within Pennsylvania to play real-money online baccarat.

Can I play real money baccarat from other states?

No, you must be physically present in PA to gamble on internet baccarat. Pennsylvania’s gambling laws don’t apply to other states.

Each operator uses geolocation software to determine your location. You should receive a warning if you attempt to play from another state.

Pennsylvania online casinos do let you register for an account from other states. Again, you just need to be located with PA’s boundaries when playing.

Is online baccarat safe?

The PGCB thoroughly examines every applicant to ensure that they live up to the Keystone State’s standards. They also work to make sure that approved operators continue adhering to state gaming laws.

Any online casino caught running faulty games—whether intentionally or not—will receive a fine and possibly lose their license. The latter would cost an operator millions of dollars.

How does live baccarat differ from online baccarat?

A real dealer runs live baccarat games on a real table. The action streams directly from a land-based studio.

Live dealer baccarat gives you the brick-and-mortar experience through a gaming site. It serves as a great alternative for when you don’t have time to visit a casino.

However, no PA online casino currently offers live dealer gaming. This situation should change, though, within the near future.

How old do I need to be to play online baccarat in Pennsylvania?

You must be at least 21 to play online baccarat for real money in the Quaker State. Gaming sites ask you to verify your age when registering for an account.