Casino & Table Games
Baccarat rules card values
In baccarat, aces are worth 1, cards 2 through 9 keep their pip value, and 10s, Jacks, Queens and Kings are all worth 0. Only the last digit of the total matters, so every hand scores between 0 and 9.
Key points
- Add the card values in a hand, then keep only the units digit — for example, 6 + 7 = 13 becomes 3. 12
- A hand totalling 8 or 9 is called a natural in standard baccarat. 2
- Face cards (J, Q, K) and 10s all count as 0, so they do not increase the hand total.
Common questions
What are face cards in baccarat?
Face cards in baccarat are the Jack, Queen, and King. Each counts as 0, the same as a 10. They do not add to the hand total, so a hand with a King and a 7 is worth 7.
Where this term is used
Not the same as
- Blackjack rules card values — a different scoring system where cards are counted toward a target of 21, not reduced to the rightmost digit
- Baccarat 3rd card rule — the rule that decides when a third card is drawn, not how cards are valued
Related terms
Casino games
Baccarat third card rules chart
A visual reference for when the Player and Banker draw a third card.
Casino games
Casino baccarat rules
The full set of rules for playing baccarat in a casino.
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Baccarat draw rules
The specific rules governing when cards are drawn in baccarat.
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Baccarat hit rules
Rules for when the Player or Banker must take an additional card.
Casino games
Baccarat banker rules
Rules specific to the Banker hand, including drawing decisions.
Casino games
Baccarat game
An overview of the card game baccarat, its history and basic play.
Sources
- Baccarat en.wikipedia.org Provides the standard card values and modulo-10 scoring used in baccarat.
- Baccarat Basics - Rules, Strategy, and Tips for Beginners wizardofodds.com Confirms the card values, the natural hand rule, and the modulo-10 calculation.
Sources are drawn from regulators, universities and published research, and each one is labelled with what it actually is — a preprint is not called a paper. Bookmaker and affiliate pages are never cited here, because a page that sells betting is not a neutral authority on it.