Top 9 Baccarat Types You Need to Learn

In this blog post, we’ll cover the main types of baccarat games, including Punto Banco. If you're new to online baccarat, this guide will help you understand the key differences between variations so you can start playing with confidence.

Top 9 Baccarat Variations

Different types of baccarat vary by rules, bets, and regions. Each version offers a unique experience. Popular baccarat games include:

• Chemin de Fer
• Punto Banco
• Baccarat Banque
• No Commission Baccarat
• EZ Baccarat
• European Baccarat
• American Baccarat
• Baccarat Squeeze
• Dragon Tiger

Chemin de Fer

Chemin de Fer is a faster baccarat variant played with six decks. The banker role rotates among players, and the game moves counterclockwise. Players decide whether to draw a third card. A commission of 3% to 5% applies to winning Banker bets due to its 46% win probability.

Punto Banco

Punto Banco is the most common baccarat variant, played with six to eight decks. The dealer handles all actions, and players bet on Punto (Player), Banco (Banker), or a Tie. No decision-making is required, as drawing rules are fixed. Banker bets have a 46% win probability, with a 5% commission on winnings.

Baccarat Banque

Baccarat Banque has a fixed Banker who holds the position until all cards are dealt or they step down. The Banker deals three face-down cards—one to the left player, one to the right, and one to themselves. Player bets pay 1:1, and the Banker collects or pays based on the round’s outcome.

No Commission Baccarat

No Commission Baccarat removes the 5% fee on winning Banker bets. However, if the Banker wins with a total of 6, the payout is only 50% of the wager. This rule balances the advantage of Banker bets.

EZ Baccarat

EZ Baccarat removes the standard 5% commission on Banker wins. If the Banker wins with a total of 7, the bet is a push instead of a payout. A Tie bet pays 9:1, while other wins pay even money.

European Baccarat

European Baccarat follows standard baccarat rules with Player, Banker, and Tie bets. The house edge ranges from 1.06% to 1.17%, depending on the bet. Tie bets can have a house edge of up to 14.44%.

American Baccarat

American Baccarat is played with eight decks and offers Player, Banker, and Tie bets. Player bets pay 1:1, while Banker bets pay 0.95:1 with a 5% commission. The RTP for Banker bets is 98.94%.

Baccarat Squeeze

Baccarat Squeeze follows standard baccarat rules with Player, Banker, and Tie bets, plus Pair side bets. The dealer slowly reveals cards for added suspense. Player bets pay 1:1, Banker wins have a commission, and Tie bets pay 8:1.

Dragon Tiger

Dragon Tiger is a two-card baccarat variant where players bet on which side, Dragon or Tiger, has the higher card. Additional proposition bets are available. The house edge is 3.73% for Dragon/Tiger bets and 32.77% for Tie bets.

Conclusion

The best baccarat variation depends on your preferred gameplay style. If you enjoy a fast-paced, strategic experience, Chemin de Fer or Baccarat Banque are great choices. For a simplified, dealer-controlled game, Punto Banco and American Baccarat are ideal. If you want to avoid commissions, No Commission Baccarat and EZ Baccarat offer alternative payout structures. Players who enjoy added suspense may prefer Baccarat Squeeze, while those looking for a simpler, high-speed option can try Dragon Tiger. No matter your choice, each version provides a unique way to enjoy baccarat.