The rules we outlined above make a lot of sense if you start you get some practice in. However, all of these conditions and clauses can be a bit overwhelming if you’re still new. This is why we made this handy little chart to help you out.
The Baccarat chart for the third card rules below can be quickly and easily used for reference. We have a few notes about the chart, though.
First of all, the chart is only used if the Player side already has three cards on the table. The mechanics for getting there are quite simple, and we assume that we don’t have to remind you that an initial score of 0, 1, 2, 3, 4, or 5 is needed. Once you get to that point, use the baccarat chart below to figure out what the next move is.
Why Does Any of This Matter?
The most common baccarat tip most new players get is that the Banker bet is better than the Player bet. This is true despite the fact Banker bets pay a 5% fee on all winnings. The reasoning is quite simple – Banker is more likely to win than Player.
Statistically speaking, the odds of Banker winning 45.8% while the Player wins 44.6%. If we factor out the Tie (because Ties count as a Push), the probability of Banker winning over Player is around 51:49. This is why the 5% commission is in place, and it further translates into a better Return to Player rate in the long run. Specifically, the house edge of the Banker bet in Baccarat is 1.06%, while the Player house edge is 1.24%.
Why Does the Banker Bet Win More in Baccarat?
In simple terms, it’s because the Banker only draws the third card when it suits them. Consider the rules we listed above and note how Banker only draws the third card if it essentially already has an unfavorable hand compared to the Player. The third card rules in Baccarat state that Banker draws only if it’s not about to win the current hand. Remember –the relative strength of your Punto Banco hand entirely depends on what the other side currently has.
On the flip side, the Player is “forced” to draw no matter the Banker’s hand. Statistically speaking, 0 is the most likely value you’re going to see from a single card. That’s because 10s, Jacks, Queens, and Kings all count as 0, so it’s 4 times as likely to appear. In other words, you’ll probably end up right back where you started after drawing the third card in baccarat.
Even if the Player only draws the third Baccarat card with “weak” hands, the hand is more likely to be weaker after drawing than before. This is not always the case, but consider the following example. If you have a total of 5, the only cards that will actually make your hand stronger are 1, 2, 3, and 4. Everything else is either a downgrade or doesn’t do anything.
All of this sounds a lot worse than it really is, though. If we look back at the statistics, you’ll see that Player has a bigger house edge, but it’s merely 0.18%. This is only really relevant if you’re using a specific baccarat strategy.
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