Katy Ngo
Mentor
Last updated: 23 December 2024

The answer to choosing between Baccarat and Blackjack lies in the numbers. Baccarat offers a straightforward betting system with a house edge as low as 1.06% on Banker bets. It is ideal if you prefer simplicity and steady odds. On the other hand, Blackjack gives skilled players an edge with strategies like card counting and decision-making, so you can reduce the house edge to as little as 0.5%.

After years of studying the strategies and gameplay of both, I’m here to explain for you. Let’s get straight into the Baccarat vs Blackjack odds and find out which game is your best bet for hitting it big!

Baccarat vs Blackjack Difference

Before you choose between Blackjack and Baccarat, it's important to understand the key differences that set them apart.

Criteria

Baccarat

Blackjack

Odds

- Banker: 1.06% (including 5% commission)

- Player: 1.24%

- Tie: 9.6%

- With optimal strategy: 0.5% - 1%

- Players without skill: around 2%

Objective

Total points close to 9

Total points close to 21

Basic Gameplay

Players bet on Banker, Player, or Tie. No decisions on drawing cards.

You must decide whether to draw more cards, stand, split, or double down.

Scoring System

- Ace: 1 point

- 2 to 9: Corresponding value

- 10, J, Q, K: 0 points

- Ace: 1 or 11 points

- 2 to 10: Corresponding value

- J, Q, K: 10 points

Payout Rate

- Banker: 1:1

- Player: 1:1

- Tie: 8:1 or 9:1 (varies)

- Regular win: 1:1

- Blackjack (21 points): 3:2

Suitable for

Beginners or those who prefer quick and simple gameplay.

Player who enjoy strategy, calculations, and want to maximize profits.

Baccarat vs Blackjack Odds

The comparison between Baccarat and Blackjack odds begins with understanding how each game works and how the house edge influences your chances. Let’s go over the odds for each game to help you make the best choice for your next session.

Winning Probability in Baccarat

The odds of winning differ based on the type of bet you place in Baccarat:

  • Banker bet: ~45.86% chance of winning, making it the best option, though it usually includes a 5% commission.
  • Player bet: ~44.62% chance of winning, slightly lower than the Banker but with no commission.
  • Tie: ~9.52% chance of occurring, offering a low probability but a higher payout.

Although Baccarat is mostly about placing a bet at the start, there are still strategies that can help you improve your game. Keep reading to discover how you can improve your odds and make smarter bets.

The banker bet has the highest winning probability in Baccarat

Winning Probability in Blackjack

When you play Blackjack with basic strategy, your odds of winning can reach about 42 - 49%. However, this does not mean the house wins 51 - 58% of the time. This is because there is a third possible outcome called a push, where neither the player nor the house wins. On average, approximately 8.48% of Blackjack games end in a push, leaving the probability of losing at about 49.10%.

These odds can fluctuate depending on several factors, such as:

  • The blackjack variant being played.
  • The rules for both the player and the dealer.
  • Your playing style.

Players without a strategy will see their odds of winning drop significantly compared to those who use basic strategy.

Comparing Baccarat vs Blackjack Odds

Each game offers distinct advantages, making it appealing in different ways.

Similarities between Baccarat and Blackjack

  • Both games are card-based and relatively fast-paced.
  • Each offers a low house edge compared to other casino games, especially if you make optimal bets or use strategies.
  • Both Baccarat and Blackjack can be profitable, offering exciting gameplay and the potential for big wins. 

Baccarat: Simple and stable

  • Baccarat is straightforward and relies heavily on luck. Once you place your bet on the Banker, Player, or Tie, you have no control over the outcome.
  • Betting on the Banker has one of the lowest house edges in the casino, at around 1.06%.
  • This makes Baccarat ideal for players who prefer a predictable game with consistent odds.

Blackjack: Strategic and dynamic

  • In Blackjack, you have the opportunity to influence the outcome by making decisions such as whether to hit, stand, or double down.
  • Skilled players can reduce the house edge to 0.5% or lower by following a basic strategy.
  • Blackjack is more dynamic and rewarding for players who enjoy learning and applying strategies for long-term gains.

So if you like a more predictable game with consistent odds, baccarat is the way to go. Or if you like a more dynamic game and want better long-term rewards, Blackjack is a great choice, especially if you play effective strategies.

Baccarat game vs Blackjack odds depend on your preferences and gameplay

Baccarat Vs. Blackjack House Edge

Knowing the Baccarat vs. Blackjack house edge is crucial when deciding which game to play because it directly impacts your chances of winning. Here are the specific benefits:

The house edge of Baccarat

In Baccarat, the house edge varies depending on the bet you place. 

  • Banker Bet: If you’re looking for the safest option, this is it. The house edge is about 1.06%, which makes it one of the best bets you can take in the casino. However, keep in mind that the casino typically charges a 5% commission on Banker wins, which balances the odds slightly.
  • Player Bet: It’s a little riskier than the Banker, but still solid, with a house edge of around 1.24%. The Player bet doesn’t involve a commission, making it simpler for beginners to understand.
  • Tie Bet: Honestly, I’d be careful with this one. Despite its high payout (often 8:1 or 9:1), this bet is not recommended. The chances of a tie are much lower, at only about 9.6%, making it a high-risk, low-reward option for most players.
Baccarat has a low house edge, especially on banker bets

The House Edge in Blackjack

In Blackjack, the house edge comes from you acting before the dealer. This gives the house edge an advantage because you can bust (go over 21) and lose your hand before the dealer even plays. 

  • The house edge typically ranges from 0.5% to 1%, depending on the game rules and how you make your decisions. 
  • If you don’t use a strategy, the house edge can increase significantly, sometimes exceeding 2% or more.
Blackjack lets skilled players reduce the house edge with strategy

To learn more about how to lower the house edge Blackjack, you should check out our detailed guide on mastering strategy and boosting your chances of winning.

House Edge Comparison: Baccarat vs Blackjack

You'll find that both games offer different benefits depending on the house edge and your playing style.

Aspect

Baccarat

Blackjack

House Edge

Fixed and predictable: 1.06% (Banker), 1.24% (Player).

Flexible: As low as 0.5% with skillful play; can exceed 2% for players without strategy.

Player Effort

Minimal effort required for decision-making.

Requires strategic decisions to minimize house edge.

Betting Options

Banker bet offers slightly better odds than Player bet, but the difference is marginal.

Outcomes depend heavily on player decisions and strategy.

While Baccarat offers a stable, low house edge without requiring any skill, Blackjack provides a greater opportunity for skilled players to reduce the house edge even further. If you’re focused purely on minimizing the house edge, Blackjack with optimal strategy edges out Baccarat in terms of player advantage.

I think both games have low house edges, but Blackjack offers more opportunities to reduce the house edge further through skill and strategy. So, if you're looking for the best odds and are willing to invest in learning strategy, Blackjack can offer a bigger advantage in the long run.

Which Game Suits You Best

You should consider these factors when deciding between Baccarat and Blackjack to find the game that suits your style and enhances your gaming experience. This will help you optimize your odds and have a more rewarding session.

Choose Baccarat if:

  • You prefer a straightforward game with minimal decision-making.
  • You enjoy stability and a low house edge (1.06% for Banker bets)
  • You want a game that's easy to learn and play, making it ideal for beginners.
  • You prefer a more relaxed and faster paced game without much player interaction.

Choose Blackjack if:

  • You want a game that involves strategy and skill.
  • You aim to reduce the house edge to as low as (0.5% by using optimal strategies).
  • You enjoy a game that requires decisions and player involvement.
  • You like the social aspect of interacting with other players and the dealer.
  • You’re an experienced player looking for a more challenging and strategic game

Baccarat offers stability with a fixed low house edge, while Blackjack provides greater opportunities to reduce the house edge further through skill.

Final Tip: If you’re also considering Roulette, check out Blackjack vs Roulette odds to understand which game offers the best chance to win.

You can enjoy and explore both games, each offering a unique experience

Strategies to Improve Your Odds

The key to gaining a real edge and making your gaming experience more fun and rewarding lies in mastering the Baccarat vs Blackjack strategy. You can improve your odds by understanding the strategies of each game, allowing you to make more informed decisions.

Strategies for Winning in Baccarat

To increase your chances of winning at Baccarat, it’s all about using the right strategies and managing your money wisely. Here are some simple strategies to help you play smarter:

  • Betting on the Banker gives you the lowest house edge at 1.06%, making it the smartest choice.
  • Tie bets have a high house edge of 14.36% and are generally not recommended for serious players.
  • Setting a budget for your gaming session and sticking to it helps you avoid excessive losses and ensures a more enjoyable experience.
  • Online casinos often offer bonuses for baccarat players, but remember that bonuses should be used as a way to extend playtime, not as a strategy to win.

By following these tips and strategies, you'll improve your odds and get the most out of your Baccarat experience!

You should bet on the Banker for the lowest house edge in Baccarat

Strategies for Winning in Blackjack

To win at Blackjack, you should understand the game’s strategy and rules. Here are some strategies to help you play smarter and improve your chances:

  • You should learn and understand basic strategy to make the best move for every hand.
  • Manage your bankroll and avoid placing large bets on uncertain hands. You should set limits on your bets and stick to them to ensure you don’t overspend.
  • You need to understand the rules. Each blackjack variation has its own rules, so make sure you're familiar with the one you're playing.
  • With basic strategy, you can reduce the house edge to as low as 0.5%, making Blackjack one of the most player-friendly casino games.

So you should stay disciplined and follow these strategies will help you make smarter decisions at the table to increase your chances of winning in Blackjack.

You should focus on strategy and avoid large bets if you're unsure

The choice between Baccarat and Blackjack depends on your personal preferences and playstyle. If you’re looking for a simple, stable game with a low house edge, Baccarat is the way to go. But if you’re ready to challenge yourself with strategy and improve your odds, Blackjack offers more opportunities. 

Once you understand the Baccarat vs Blackjack odds, you'll see that each game has its own unique advantages. So, I see Blackjack, Baccarat, or any live casino game as a fun way to pass the time, not something to stress over. You should play the odds wisely, enjoy the experience, and not treat gambling as a way to make more money.

Published: 23 December 2024 11:16