Play the Best Online Baccarat at NJ Casinos

Written by Tegan Woodward
Updated Jun 24, 2024

Baccarat is a card game played in many casinos and a favorite among high rollers. The rules? It’s a comparing game between two hands; you (the player) and the banker. Each hand is assigned a score based on the value of the cards. To win, you have to get as close to nine points as possible and are allowed to be on either hand or a tie.

Now that that’s out of the way, which NJ online baccarat casinos have the game, what are the rules in the state, how is the game played, and most importantly, what are the odds/payback?

To answer that, let’s dive into this review to find out more.

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Table of content

    Baccarat Online NJ- Is it Legal?

    Baccarat Online NJ- Is Legal

    Yes, in New Jersey, everyone can be James Bond. Since 2013, online gambling has been entirely legal in New Jersey. Residents can find NJ baccarat online at any of the licensed and regulated casinos in the state.

    The NJ legal gambling age is set at 21 years old, stipulating that one must be physically within the state borders.

    Online Baccarat New Jersey Casinos

    There are two ways to play baccarat in NJ casinos; live in land-based or online casinos. This section examines each experience to learn more about the best places to play baccarat live or online in NJ.

    Let’s get to it!

    Best Live Baccarat In NJ’s Famous Atlantic City

    Baccarat is a popular game in most Atlantic City casinos. While it may evoke the image of someone with James Bond money having a high rolling time, you will find that the options are approachable.

    Some of the casinos you can expect to find include:

    1. Harrah’s Resort Atlantic City

    This casino is the biggest land-based option in NJ, with more than 5,700 games and a hotel with more than 2,500 rooms. There are more than 5,000 slots, more than 40 poker tables, and 90 table games.

    The World Series of Poker tournaments are hosted here, making this an iconic location that some fans may want to check out.

    2. Borgata Casino

    Borgata’s claim to fame is that it has the largest hotel, with just under 2,800 rooms. There are more than 4,000 slots and 200 table games here. You can enjoy a spa, entertainment venues, and a spa if you visit. You can also play baccarat at the main casino floor or the high-limit salon, with minimum bets from $10 to a maximum of $100.

    3. Ocean Resort Casino

    This modern and stylish casino stands out on the landscape with its glass building and beachfront location. There are more than 125 table games and 2,000 slots. You can also enjoy access to nightclubs, restaurants, and a sports book.

    For baccarat, head to the main casino floor or the high-limit lounge, where bets range from $10 to $50.

    4. Hard Rock Casino

    The iconic rock-themed with a guitar-shaped building and musical overtones is hard to miss. It boasts 120 table games and 2,000 slots. In keeping with the spirit of the theme, there is a live musical stage, bars, and restaurants.

    For baccarat, head to the main casino floor or the high-limit room for bets ranging from $10 to $100, respectively.

    5. Caesars Casino

    Themed after the Roman Empire with classical architecture and an atmosphere its namesake would love, Caesars Casino offers up to 130 table games and more than 2,100 slots. There is also a spa, shops, and restaurants.

    To play baccarat, like in many other physical locations, you can head to the main casino floor or the high-limit salon for bets ranging from $10 to $100.

    These are not, by any means, all the land-based casinos you can go to in NJ. When checking out new places, read the reviews to ensure you know what to expect and what the reputation is.

    Best Online Casinos In NJ For Baccarat

    Online baccarat casinos in NJ are a godsend for those who can’t or won’t leave the house to go play outside. So, where can you play live baccarat online in NJ? Here are some top operators:

    1. BetRivers

    BetRivers Casino

    BetRivers operates in NJ and offers players access to Baccarat by NetENt, with a minimum bet of $1 and a maximum bet of $1,000, making it quite approachable on the low end. You can also earn loyalty points and redeem them for rewards at the iRush Rewards Store run by BetRivers.

    You can play live dealer baccarat in the online casino in NJ with a minimum bet of $1 and a maximum of $2,000. BetRivers also offers a progressive jackpot baccarat game known as Dragon Bonus Baccarat, where you can win extra payouts by making side bets on if the player or the banker’s hand will have a natural win or win by a wide margin.

    2. Caesars

    Caesars Casino

    At Caesars, you can expect to find baccarat provided by IGT, with a minimum bet of $0.50 and a maximum of $500. In addition to that, you can play live dealer baccarat with a minimum of $1 and a maximum of $2,000.

    If you want a progressive jackpot baccarat game, you can play EZ baccarat, winning extra points by placing side bets similar to those at BetRivers.

    3. Borgata

    Borgata Casino

    Borgata is a behemoth that offers a 100% deposit match up to $1,000 for new players. You can play baccarat here with a minimum bet of $0.50 and a maximum of $500. The live dealer version is set at the same limits as BetRivers and Caesars.

    The progressive jackpot baccarat game offered here is Dragon Bonus Baccarat, where you win extra payouts by placing side bets similar to the ones offered by the preceding two operators.

    You can also opt into the VIP M Life Rewards program to earn points and benefits at the casino or other MGM-operated resort destinations.

    4. Tropicana


    Tropicana Casino

    Tropicana offers the same baccarat game made by NetEnt, with a minimum bet of $1 and a maximum of $1,000. New players are enticed to join with an offer of up to $100 real cash back. The baccarat game has a live dealer version with a minimum bet of $1 and a maximum of $2,000.

    The progressive jackpot baccarat game offered here is EZ Baccarat, where you win extra payouts on side bets. There is also a VIP program called Trop Advantage, where players can earn comp dollars, free slot play, and tier points.

    5. Golden Nugget

    Golden Nugget Casino

    Golden Nugget does not ask you to choose between IGT or NetENT because it offers both. The deal here is the same as in its competitors, with a minimum and maximum bet of $1 and $1,000, respectively. There is also live dealer baccarat with a maximum and minimum bet of $2,000.

    To offer you even more choice, Golden Nugget offers a new baccarat game mode known as Golden Nugget Baccarat Squeeze, where you can choose who squeezes the cards for added drama and excitement.

    You can play the game with a maximum and minimum bet of $1 and $2,000, respectively, with the chance to win up to 8,000 coins per hand.

    You can undoubtedly follow a trend with online baccarat in New Jersey. Since it is a regulated market, many adhere to a standardized way of doing things, offering the same maximum and minimum limits. However, they each have unique offerings and features, so you should look to reviews for deeper insights into what to expect.

    Check out our reviews on each casino to learn more about the overall experience and pick your best online casino in NJ for baccarat.

    Now, let’s talk about NJ baccarat rules.

    The Baccarat Rules In NJ

    Whether you live in NJ or just happen to be there and over the age of 21, you are, broadly speaking, eligible to play baccarat in live or online casinos. Some of the rules accompanying New Jersey online gambling law include things like:

    • Where used, baccarat tables have specific physical layouts prescribed by the Division o Gaming Enforcement. For instance, the tables need numbered places for seated players, specific places to place bets, and an area to place the cards.
    • The rules of the game are set by the DGE, too and have to be followed. For instance, baccarat players have to place their bets before the cards are dealt and cannot touch them unless the game rules allow them.
    • Baccarat players must comply with the rules of etiquette and conduct in casinos. For instance, it is generally not a great idea to be abusive, cheat, or disturb other players or the staff.

    Most of what you will find in NJ is not strange or new if you have played baccarat before. We recommend you check out live baccarat online for free in NJ to learn the rules before you bet with real money.

    Understanding The Game Of Baccarat

    Typically, baccarat is a simple game that needs six to eight decks. After the shuffle, your job is to bet on which hand you think is closest to 9; the banker’s or your hand. Here’s what you need to know about the game to play it:

    The order of play

    The game starts with a shuffle, after which two hands are dealt face down on the table. The player can then put chips on the hand closest to 9. After collecting the bets, the dealer turns over the cards and reveals the winner.

    If you play in a live casino, players can take turns playing the role of ‘banker’ and turn over the cards. The computer is in charge online, and if it is a live baccarat online casino in NJ, the dealer does the turning.

    In a physical setting, players can take turns playing the role of ‘banker’ and will be allowed to turn over the cards themselves. Online, the story is different; the banker is always the computer or the dealer (if you find live baccarat online in NJ casinos.)

    Comparing totals

    What is each hand worth, and when do you find out?

    You compare hand totals once bets are placed. The 10, queen, king and jack are worth zero points, cards 2 to 9 have points corresponding with their numbers, while Aces are worth one point. If adding the value of your two cards gives you more than 9 points, the rules say you have to subtract 10.

    Banker rule

    The banker is entitled to a third card if their total is zero to five and the player hasn’t gotten a 3rd card. However, in some cases, the banker will also get a third card if the player has also gotten their third card.

    Let’s break it down.

    • The banker can draw a third card if the total is 2 and below.
    • The banker’s hand stands if it totals 7 and up.
    • The banker’s hand stands if it totals 6, and the player’s hand stands or draws a 7 or 6 as their third card.
    • The banker’s hand stands if it totals 5, and the player’s hand stands or draws a 7, 6, 5, or 4 as their third card.
    • The banker’s hand stands if it totals 4, and the player’s hand stands or draws a 9, 8, 1, and 0 as their third card.
    • The banker’s hand stands if it titles 3, and the player’s hand draws an 8 as their third card.

    Third-card rule

    Each hand may get a third card based on the total of the first two cards. The goal is the same; get as close to 9 as possible. If the three cards go beyond 9 points, you subtract 10 points from the total.

    Player rule

    The player’s hand gets a third card if their first two total 0 to 5.

    The Types Of Baccarat NJ Casinos Have To Offer

    In NJ, you will find familiar forms of baccarat, including:

    1. Punto Banco
    2. Chemin de Fer
    3. Baccarat en Banque
    4. Live Dealer Baccarat
    5. Mini Baccarat
    6. Speed Baccarat
    7. No-Commission Baccarat
    8. Dragon Bonus Baccarat
    9. EZ Baccarat

    You will be spoilt for choice, depending on your chosen provider. Next up, let’s talk odds and payback.

    Odds/Payback On Baccarat Live Or Online Baccarat In NJ

    In baccarat, we have two parties; the player and the dealer/banker. Each party has a chance to win the hand, and these odds change as the number of decks used in a game changes. In addition to the odds changing with changes in decks, the type of bet you make can affect your payback.

    Let us use the example of a baccarat game with eight decks and break it down in a neat table:

    BetOddsPayoutHouse Edge
    Player Pair7.47%11:110.36%
    Banker Pair7.47%11:110.36%
    Perfect Pair3.34%25:113.03%
    Either Pair14.2%5:113.71%

    You’ll notice that the banker’s odds are always higher by a slim margin. What is that about? That’s the house edge; in baccarat, it is designed into the game. Keep that in mind when playing the game.

    FAQ about Online Baccarat at NJ

    Is baccarat legal in NJ?
    Yes, baccarat has been legal in New Jersey since 2013, when online gambling was legalized.
    What is the legal age to play online baccarat New Jersey?
    The legal age to play online baccarat in NJ is 21.
    Can I play baccarat with my welcome bonus?
    Usually, yes. Many of the casino bonuses in NJ casinos are eligible for use to play baccarat. However, there are always unique terms and conditions from one operator to the next, so we recommend reading those before you take any bonuses.
    Is online baccarat fair?
    In NJ, yes. All online baccarat games in NJ, whether from NetENT, IGT, or other providers, are tested and approved by the Division of Gaming Enforcement, which ensures safety and fairness. You are also entitled to information about RTP (return to player) to see what the game pays back to the players on average.
    Can I play baccarat on my mobile device?
    Yes, you can. Most of the best NJ online casinos offer mobile-friendly versions of their apps or websites that you can download for iOS or Android. You can play online baccarat on your tablet or phone anywhere within the state borders.
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