How Much Are Cards Worth in Baccarat?

The game of baccarat is known as one of the oldest and most popular casino games. It has its roots in Italy, dating back to the 15th century. It is a game of chance and skill that has endured the test of time, and remains popular amongst casino goers today. Its popularity is due in part to its simple rules and low house edge. One of the most important aspects of the game is understanding how much the cards are worth, which can make the difference between winning and losing.

Understanding the Value of the Cards

In order to understand the value of the cards in baccarat, it is important to understand the basics of the game. Baccarat is played with a standard deck of 52 cards, with the cards ranked from 2-10, and the Ace being worth 1 point. The game is usually played between two players, known as the “banker” and the “player”. The goal is to get as close to 9 points as possible without going over.
The value of each card in baccarat depends on which position it is in the deck. The first two cards dealt to each player are worth their face value. For example, if a player is dealt a 7 of hearts and a 9 of diamonds, they would have 16 points. The third card, however, is worth its face value minus 10. So if the third card is a 3 of clubs, it would be worth 3-10, or -7 points.
The value of the cards in baccarat also depends on who is holding them. If the banker is holding the cards, any total of 6 or 7 is considered a natural and the game ends. If the player is holding the cards and they have a total of 5 or lower, they must draw a third card.

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How to Calculate the Value of Your Hand

Once the cards have been dealt, it is important to understand how to calculate the value of your hand. First, add up the face value of the cards. For example, if the player has a 7 of hearts and a 9 of diamonds, the total would be 16. Then subtract any tens from the total. If the total is greater than 10, subtract 10 from the total. So in this case, the total would be 6. This is the value of the hand and the player would then compare their total to the banker’s total to determine who has the highest value.

Understanding the House Edge

When playing baccarat, it is important to understand the house edge. The house edge is the advantage the house has over the players. In baccarat, the house edge is 1.06% when the banker is playing, and 1.24% when the player is playing. This means that the house has a slight advantage over the players and the outcome of the game is largely determined by the luck of the draw.


In conclusion, understanding the value of cards in baccarat is essential to winning the game. By understanding how the cards are valued, players can make informed decisions that will give them the best chance of winning. Additionally, understanding the house edge is important in determining the likelihood of winning. By understanding the value of the cards and the house edge, players can increase their chances of winning in baccarat.