Payouts and Odds in Online Table Games for U.S. Players

Online casinos have never been busier in the United States, and table games sit right at the center of this boom.

Players are logging in from Michigan to New Jersey, taking seats at live blackjack tables, dropping chips on American roulette, and pushing their luck at digital craps tables.

The games look familiar, but the real difference today is the volume of players and the speed of each session.

If you want to keep your bankroll steady, you need to understand how payouts, odds, and house edge actually work behind the scenes and how they affect the bets you choose.

Inside the Numbers

The growth of the commercial casino sector in the U.S. is unstoppable. According to the American Gaming Association, commercial gaming revenue reached a new high of $72.04 billion in 2024, representing a 7.5% increase over 2023.

On the digital side, legal iGaming is expanding at an even faster pace. Just seven U.S. states produced $8.41 billion in online casino revenue in 2024, a surge of almost 29% year over year.

Through September 2025, iGaming revenue had already climbed to $7.82 billion, nearly 30% ahead of the same period the year before.

This rapid growth reflects the strength of regulated online casino platforms in the U.S., where table titles consistently rank among the most played categories across both live and digital formats.

For example, Borgata Online Casino games include more than 200 table game options and over 60 live variations.

With billions of dollars moving through casino games every year, more variations, more side bets, and more features are designed to keep you engaged.

If you don’t understand the odds behind the games, it becomes easy to overestimate your chances or chase outcomes that were never in your favor to begin with.

The Numbers Every Table Game Player Should Know

Knowing the mechanics of a game is what keeps your expectations realistic. When you strip away the graphics and the dealer banter, every online table game is built on the same three pillars: RTP, house edge, and payout odds.

If you know these three, you can understand any game in a casino lobby, either real or virtual.

RTP

Return to Player (RTP) indicates the percentage of money a game returns to players over the long term. Think of it as the overall efficiency of the game. A blackjack table with a 99.5% RTP pays back $99.5 for every $100 wagered over millions of hands. It is not a promise for the night. It is the mathematical design.

House Edge

RTP is the percentage that goes back to players, while the house edge is what remains for the casino. If the RTP is 99.5%, the house edge is 0.5%. Simple. The lower the edge, the better the long-term outcome for you.

A European (single-zero) roulette wheel has a 2.7% edge. An American (double zero) wheel jumps to 5.26%. The payouts appear identical, but the underlying math differs due to the number of losing pockets.

A straight-up bet still pays 35 to 1 on both wheels, but the probability of hitting that number changes the moment an extra zero is added.

That’s why it is essential to know the house edge of a game before sitting at a table.

Hold Percentage

Your personal results often resemble hold percentage, not the theoretical edge of the casinos. UNLV’s Center for Gaming Research reports real-world casino holds averaging 12.76% on blackjack, 18.84% on roulette, and 12.9% on baccarat across Nevada casinos from 2004 through 2025.

Those numbers are higher than the mathematical house edge because they reflect the playing patterns of people, which typically include changing tables, taking risky side bets, and short sessions that end in the middle of a losing streak.

How the Popular Table Games Stack Up

Each game has its own unique risk profile. Once you understand the payouts and probabilities, you start seeing why some bets are worth sticking to, and others deserve a bit of caution.

Here’s how the most played table games in the U.S. compare when it comes to being truly player-friendly.

Blackjack

Blackjack remains the most forgiving table game for disciplined players. Many online versions have an RTP of over 99% when played with basic strategy.

If your strategy slips, the house edge does not stay at half a percent. It climbs fast, which is how casinos end up with the 12% real-world hold reported by Nevada regulators.

Roulette

Roulette is a perfect example of how payouts can mislead. A straight-up win pays 35:1 whether you play single zero or double zero. But the double-zero wheel has more losing pockets for the same payout.

On a European wheel, you face a 2.7% house edge.
On an American wheel, it doubles to 5.26%.

Online casinos also offer multiplier variants that look exciting, but most reduce the base RTP.

Baccarat

The core baccarat bets are some of the cleanest in the casino. Banker and Player often sit around 98% RTP or higher. If you stick to Banker and Player, baccarat becomes one of the safest table game choices online.

A Better Table Game Experience Starts With the Numbers

Table games are popular because they are socially stimulating and rewarding when you make good choices.

You do not have to master every chart to understand probabilities in these games. You only need to understand the numbers well enough to guide your decisions.

This way, you build your own advantage by avoiding psychological traps and giving yourself enough room to enjoy the game on your own terms.

Payouts and Odds in Online Table Games for U.S. Players

Inside the Numbers

The Numbers Every Table Game Player Should Know