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There are four versions found in Massachusetts: Baccarat, Chemin De Fer, Mini Baccarat and Midi Baccarat.


Playing with the facts is your best strategy.

Baccarat is not played against the dealer. You bet on three possible outcomes: A Player Bet, a Banker Bet or a Tie Bet.

  • If you make a Player Bet, you win if the Player’s Hand is greater than the Banker’s Hand
  • A Banker Bet is the opposite of the Player Bet. You win if the Banker’s Hand is greater than the Player’s Hand
  • A Player or Banker bet will push if the hands tie. That means you get your bet back
  • You can also bet that the Player’s Hand and Banker’s Had will be a tie. This Tie Bet pays 8 to 1


It’s more fun if you know what you’re doing.

  • Once bets are placed, two cards are dealt to both the Player and the Banker
  • Tens, Jacks, Queens and Kings count as 0. Aces count as 1. All other cards count as their shown value
  • A point count is determined by adding the two cards. If the total is a two-digit number, then the first digit is dropped (i.e. a value total of 12 would have a point count of 2)
  • If either the Player’s or the Banker’s point count adds up to 8 or 9, this is a Natural and the round ends
  • Depending on the cards on the table, a third card is sometimes dealt to the Player and/or Banker


It’s James Bond’s favorite game, so be sure to play with impeccable manners.

  • Know which version of the game you’re playing. Different games come with different rules
  • Conversation is allowed at the table, but players should be considerate
  • If you’re dealing the cards, don’t delay the game


Luck isn’t for you. Luck isn’t against you. Luck just doesn’t care.

  • A winning wager made on the Player’s Hand is paid at 1 to 1
  • A winning wager made on the Banker’s Hand is paid at 1 to 1, but because the Banker’s Hand is slightly more likely to win, the House may collect up to a 5% commission on these wagers
  • A winning Tie wager is paid at odds of at least 8 to 1


Know the game. Play on your terms.

Curator: In some baccarat versions, this is the player responsible for dealing the cards

Natural: A hand that has a Point Count of 8 or 9 on the first two cards dealt

Vigorish: Up to a 5% commission taken by the House on winning bets on the Banker’s Hand on most versions of Baccarat