Baccarat Commission-Free Calculator: No 5% Vig Options

Commission-free baccarat eliminates the 5% banker bet commission—but adds a catch. Our calculator shows how Dragon 7 and similar rules change the edge, when standard baccarat is actually better, and the true mathematics behind "EZ Baccarat."

What Is Commission-Free Baccarat?

Commission-free baccarat eliminates the traditional 5% commission on winning banker bets by adding a push or reduced payout rule on specific outcomes—usually banker wins with 7. This speeds up the game but changes the mathematical edge.

Quick Answer: Commission-free = no 5% on banker wins, but push on Dragon 7 (banker 3-card 7). Standard banker edge: 1.06%. EZ Baccarat banker edge: 1.02%. Player bet unchanged: 1.24%. Dragon 7 side bet: 7.61% edge. Faster game, slightly different math. Convenient but not necessarily better.

How to Use Our Calculator

Use the Commission-Free Calculator →

Compare commission-free to standard baccarat odds.

Step-by-Step Instructions

1. Select Variant: EZ, Dragon 7, Super 6

2. Enter Bet Amount: Your wager

3. View Modified Payouts: Rule changes

4. Calculate True Edge: For each bet

5. Compare to Standard: Which is better

Input Fields Explained

Field	Description	Example
Variant	Which no-commission type	EZ Baccarat
Banker Bet	Your wager	$50
Push Rule	When banker pushes	Dragon 7
Push Frequency	How often it happens	2.25%
Effective Edge	True house advantage	1.02%
Standard Edge	With 5% commission	1.06%

Commission-Free Variants

EZ Baccarat (Dragon 7)

Most common version:

Banker wins with 3-card 7:
Standard: Pays 1:1 minus 5%
EZ: PUSHES (no win/no loss)

Dragon 7 occurs: 2.25% of hands

Edge calculation:
Banker edge: 1.02%
Slightly better than standard 1.06%

Super 6 / No Commission

Alternative variant:

Banker wins with 6:
Standard: Pays 1:1 minus 5%
Super 6: Pays 0.5:1 (half)

Super 6 occurs: ~5% of hands

Edge calculation:
Banker edge: 1.46%
Worse than standard 1.06%!

Panda 8 (EZ Side Bet)

Side bet available:

Player wins with 3-card 8:
Pays 25:1

Probability: 3.37%
House edge: 7.61%

Entertainment bet only
Much higher edge

Mathematical Comparison

Standard Baccarat Banker

Traditional banker bet:

Win rate: 45.86%
Lose rate: 44.62%
Tie rate: 9.52%

Pays: 0.95:1 (after 5% vig)
House edge: 1.06%

EZ Baccarat Banker

No commission, Dragon 7 push:

Regular win rate: 43.61%
Push on Dragon 7: 2.25%
Lose rate: 44.62%
Tie rate: 9.52%

Pays: 1:1 on wins
Push on Dragon 7 (no money change)

House edge: 1.02%

Super 6 Banker

Half pay on banker 6:

Regular win (non-6): ~40.86%
Win with 6 (half pay): ~5%
Lose rate: 44.62%
Tie rate: 9.52%

House edge: 1.46%

Worse than both other versions!

Edge Breakdown

Why Dragon 7 Works

EZ Baccarat design:

Banker 3-card 7 push:
Removes 2.25% of banker wins
But removes 5% commission entirely

Net effect:
Lose 2.25% of wins × full pay
Save 5% on 45.86% of outcomes

2.25% lost < 2.29% saved
Slight player benefit

Why Super 6 Doesn't

Super 6 design:

Banker 6 pays 0.5:1:
Affects ~5% of hands
Lose half pay each time

Net effect:
Lose 2.5% of bet on 5% of wins
Save 5% on 45.86% of outcomes

2.5% lost > 2.29% saved
House gains net

Player Bet Unchanged

All commission-free variants:

Player bet: 1:1 payout
House edge: 1.24%

No change from standard
Commission only affected banker

Expected Value Analysis

EZ Baccarat EV

$100 bet on banker:

Win (43.61%): +$100
Push (2.25% Dragon 7): $0
Lose (44.62%): -$100
Tie (9.52%): $0

EV = 0.4361($100) + 0.0225($0) + 0.4462(-$100)
EV = $43.61 - $44.62 = -$1.01

Edge: 1.01% (rounds to 1.02%)

Standard Baccarat EV

$100 bet on banker:

Win (45.86%): +$95 (after 5% vig)
Lose (44.62%): -$100
Tie (9.52%): $0

EV = 0.4586($95) + 0.4462(-$100)
EV = $43.57 - $44.62 = -$1.05

Edge: 1.05% (rounds to 1.06%)

Comparison

$10,000 total action:

Standard baccarat:
Expected loss: $106

EZ Baccarat (Dragon 7):
Expected loss: $102

Super 6:
Expected loss: $146

EZ is slightly better
Super 6 is noticeably worse

Side Bet Analysis

Dragon 7 Side Bet

Bet on banker 3-card 7:

Payout: 40:1
Probability: 2.25%
Fair odds: 43.4:1

House edge: 7.61%

Much worse than main bets
Entertainment only

Panda 8 Side Bet

Bet on player 3-card 8:

Payout: 25:1
Probability: 3.37%
Fair odds: 28.7:1

House edge: 10.19%

Even worse
Avoid for serious play

Dragon Bonus

Margin of victory bet:

Natural win: 1:1
Win by 4: 1:1
Win by 5: 2:1
Win by 6: 4:1
Win by 7: 6:1
Win by 8: 10:1
Win by 9: 30:1

House edge: 2.65-9.37%
Depends on variant

Real-World Examples

Example 1: Session Comparison

500 hands of banker bets at $25:

Standard baccarat:
Total action: $12,500
Expected loss: $132.50

EZ Baccarat:
Total action: $12,500
Expected loss: $127.50

Savings: $5

Marginal difference
But adds up over time

Example 2: Dragon 7 Occurrence

Tracking Dragon 7 pushes:

500 banker bets:
Expected Dragon 7 pushes: 11.25

These would have been $25 wins
Minus 5% = $23.75 each
Lost potential: $267

Without commission savings:
500 × $25 × 45.86% × 5% = $286

You're ahead by $19
That's the edge difference

Example 3: Super 6 Disadvantage

Why Super 6 is worse:

500 banker bets at $25:

Super 6 pays half on ~25 wins
Half pay loses: 25 × $12.50 = $312

Savings from no commission:
500 × $25 × 45.86% × 5% = $286

Net worse: -$26

You'd save by paying commission!

Example 4: Side Bet Drain

Adding Dragon 7 side bets:

500 hands:
$25 banker + $5 Dragon 7

Banker EV: -$127
Dragon 7 EV: $5 × 500 × 7.61% = -$190

Total EV: -$317

Side bet nearly triples losses
Avoid unless entertainment only

Strategy Implications

When EZ Baccarat Is Better

Choose EZ when:
- It's the only option
- You prefer no math on payouts
- Faster pace matters
- Marginal edge improvement valued

The improvement is 0.04%
Minimal practical difference

When Standard Is Better

Choose standard when:
- Super 6 is the alternative
- You want clarity on wins
- Side bets tempt you at EZ tables
- Prefer traditional experience

Avoiding Side Bet Trap

The danger of EZ tables:

Dragon 7 side bet visible
Panda 8 side bet available
Dragon Bonus might be there

Each has 7%+ edge
Easy to add "just $5"
Destroys edge improvement

Common Mistakes

1. Thinking All No-Commission Is Equal

Mistake: "Commission-free is always better" Problem: Super 6 is worse than standard Fix: Know which variant you're playing

2. Playing Side Bets

Mistake: "Dragon 7 at 40:1 is tempting" Problem: 7.61% house edge Fix: Stick to main bets

3. Overvaluing the Edge Difference

Mistake: "EZ is much better than standard" Problem: 1.02% vs 1.06% is minimal Fix: Both are excellent; don't obsess

4. Switching From Banker to Player

Mistake: "Pushes are annoying, I'll bet player" Problem: Player edge is 1.24% Fix: Banker still better even with pushes

Frequently Asked Questions

Is commission-free baccarat better?

EZ Baccarat (Dragon 7 push) is slightly better (1.02% vs 1.06%). Super 6 is worse (1.46%). Depends on the variant.

What triggers the push in EZ Baccarat?

Banker winning with a three-card hand totaling 7. This happens about 2.25% of the time.

Should I play the side bets?

For entertainment only. Dragon 7 (7.61% edge) and Panda 8 (10.19% edge) are much worse than main bets.

Why do casinos offer commission-free?

Faster game pace (no calculating/paying commission), simpler for players, side bet revenue. Slight edge change is acceptable trade-off.

Which is the best bet in EZ Baccarat?

Banker at 1.02% edge, then Player at 1.24%. Never Tie (14.4%). Avoid side bets (7%+ edge).

Can I still bet on ties?

Yes. Tie bet is unchanged—still pays 8:1 or 9:1, still has 14.4% or 4.84% edge respectively.

Pro Tips

• Know your variant: EZ good, Super 6 bad

• Skip side bets: 7%+ edges crush savings

• Banker still best: Even with pushes

• Don't overthink: 0.04% difference is minimal

• Enjoy the speed: Main benefit is faster play

Related Calculators

• Baccarat Odds Calculator - Standard baccarat
• Baccarat Banker Bet Calculator - Banker analysis
• Baccarat Tie Bet Calculator - Tie analysis
• House Edge Calculator - Compare games
• Expected Value Calculator - EV analysis

Conclusion

Commission-free baccarat eliminates the 5% banker vig but adds push or reduced payout rules. Our calculator shows EZ Baccarat (Dragon 7) is slightly better than standard, while Super 6 is actually worse—and those tempting side bets should be avoided.

Calculate Commission-Free Odds Now →

That "no commission" sign looks appealing, but the 40:1 Dragon 7 side bet has a 7.61% house edge—far worse than the main game. Our calculator reveals which commission-free variants actually benefit you and which are traps.