Skip to main content
Close up of a Baccarat Table


Values of the Hands in Baccarat

Baccarat is a popular and exciting casino game known for its simplicity and elegance. The game is easy to learn, making it incredibly alluring to beginners who may become easily intimidated by the seemingly complex poker tables. One of the most important things driving the gameplay in baccarat is understanding baccarat hands. Knowing how to quickly calculate hand totals will help you make the proper gameplay and betting decisions to come out on top.

Goal of Baccarat

The primary goal of baccarat is to correctly predict which hand - the player's or the banker's - will have a total value closest to nine. Alternatively, players can bet on a tie, though this is generally considered a riskier bet. The simplicity of baccarat comes from the fact that players don't need to make complicated decisions during the game. Once the bet is placed, the cards determine the outcome according to the game's predefined rules.
 

How Card Values Work in Baccarat

In baccarat, card values are different from other table games like blackjack. Here's how the values of the cards break down for baccarat hands:
 
  • Number cards (2 through 9): These cards are worth their face value. For example, a 7 of Hearts is worth 7 points.
  • 10, Jack, Queen, and King (face cards): All of these cards have a value of 0.
  • Aces: Aces are worth 1 point.

What makes baccarat unique is that no hand can total more than 9 points. If a hand exceeds 9, you subtract 10 from the total to determine the actual value of the hand.
 

How to Calculate Baccarat Hand Values

Calculating baccarat hands is easy once you understand how card values work. A hand consists of two or three cards, and the sum of the cards' values is used to determine the final hand total. If the total is a two-digit number, only the second digit is used as the hand's value. For example, if the sum of the cards is 14, the hand's value is 4.
 

Baccarat Hands Examples


Here are some examples to illustrate how baccarat hand values are calculated:

Example 1:
  • Player's hand: 7 of spades and 5 of diamonds.
  • Total: 7 + 5 = 12. The hand's value is 2 (drop the first digit).
     
Example 2:
  • Banker's hand: 8 of hearts and 3 of clubs.
  • Total: 8 + 3 = 11. The hand's value is 1.
     
Example 3:
  • Player's hand: King of diamonds and 6 of spades.
  • Total: 0 (King) + 6 = 6. The hand's value is 6.
     
Example 4:
  • Banker's hand: Ace of hearts, 4 of diamonds, and 2 of clubs.
  • Total: 1 (Ace) + 4 + 2 = 7. The hand's value is 7.
     
Understanding how baccarat hands are calculated allows you to follow the flow of the game and know when the player or banker has the upper hand.
 

Play Baccarat at Cache Creek Casino Resort

Cache Creek Casino Resort offers an exciting and authentic baccarat experience if you're ready to try your hand at baccarat. With a luxurious atmosphere and professional dealers, Cache Creek provides the perfect setting to test your skills and enjoy the thrill of the game. Visit Cache Creek Casino Resort to explore their baccarat tables and other gaming options and make your next trip unforgettable.