Baccarat vs. Blackjack: Which Game is Right for You?

Baccarat vs BlackjackBy Pam Brown.

Trying to decide between baccarat and blackjack? Each game has a unique appeal, and understanding the differences between them can help you make an informed decision. This guide is for online casino enthusiasts or casual players looking to try their hand at live dealer games for the first time.

Understanding Blackjack 

Blackjack is a well-known and prevalent card game, especially in the United States. The game has permeated many aspects of popular culture—most people have heard of it even if they aren’t familiar with specific rules. It is easily available in many reputable online casinos, including Speel Online Blackjack, with live dealers.  

The goal of blackjack is to get closer to 21 than the dealer, without going over. You get two cards, choose if to hit (draw more), stand (stay), double down (increase bet for one more card), or split paired cards. The dealer has fixed rules. You win if closer to 21, lose if you bust (exceed 21), or tie if equal.

Most versions of blackjack have a house edge as low as 0.5% when using the basic blackjack strategy. In games with player-friendly rules, such as the option to double down after a split or play with a single deck1)EDITOR NOTE: This assumes a blackjack pays 3 to 2 odds — not 6 to 5. instead of six, the house edge can be further reduced to 0.35% or so. 

Understanding Baccarat 

Baccarat is a historic card game with a rich history — one version of the game was even played with tarot cards. Today, it is a casino game played with a standard deck of cards. One of the most modern iterations, known as ‘American Baccarat’, is a regular fixture in many casinos across the United States and China. 

The main goal in baccarat is to predict which of two hands—player or banker—will have a point total closest to 9. Cards 2-9 are face value, 10s and face cards are worth zero, and aces are one point. The game begins with two cards dealt to each hand, with a possible third card drawn depending on circumstances. You bet on either player’s hand, banker’s hand, or tie. 

A winning bet on the player and banker will pay out an even 1:1 (although banker bets typically have a commission). Tie bets usually pay out 8:1. The game has a low house edge, particularly on banker bets, and relies mostly on chance, emphasizing the importance of understanding the rules and betting responsibly.

Choosing the Right Game for You

Just as each game offers a unique appeal, players tend to hold their own unique preferences and goals when it comes to casino games. Which type of player are you?

In choosing between baccarat and blackjack consider the following:

  • Baccarat offers a lower house edge, ideal for luck-based play
  • Blackjack allows skilled players to reduce the house edge through strategy.
  • Baccarat is simple and fast-paced; blackjack is complex and involves calculated decision-making.

If you prefer strategic gameplay in which you can increase your chances through study, blackjack is a good option; however, if you prefer simplicity and appreciate elegance in your casino games, baccarat is likely the better choice. 

Tips for Beginners

Whether ultimately opting for blackjack, baccarat or both, beginners should learn fundamental betting tactics. This includes understanding how to manage a bankroll and becoming familiar with responsible gaming practices. New players should acquaint themselves with common pitfalls such as chasing losses, and the concepts of house edge and basic gambling odds.

Many casino and card games, including baccarat and blackjack, have vibrant communities for enthusiasts to connect, explore strategies, celebrate wins and commiserate losses. With the recent rise in popularity and accessibility of online casinos, there is an abundance of resources available for sharpening awareness and learning how to play thoughtfully and enjoyably. 


While baccarat and blackjack may have distinct mechanisms that make them appealing to different types of players, both games can be exciting, entertaining, and satisfying to play. The best way to decide which game is best is to try them out! Just remember to always gamble responsibly and never bet more than you can afford to lose.


ABOUT THE AUTHOR: Pam Brown is a linguist who left her job in teaching because she needed a new challenge. With her impeccable knowledge of the English language and her passion for literature, she makes an excellent writer and lecturer. You definitely want her on your content marketing team.



1EDITOR NOTE: This assumes a blackjack pays 3 to 2 odds — not 6 to 5.

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