# 5 Treasures Baccarat

## Introduction

5 Treasures is a set of five baccarat side bets. I first noticed it at Harrah's in Reno on May 17, 2019.

## Rules

1. 5 Treasures are a side bet for baccarat, which I assume the reader is already familiar with.
2. There are five side bets, as follows:
• Fortune 7 — Wins if the Banker has winning 3-card total of 7. Pays 40 to 1.
• Golden 8 — Wins if the Player has winning 3-card total of 8. Pays 25 to 1.
• Heavenly 9 — Wins if the Player or Banker have a three-card total of 9. Pays 75 to 1 if both do and 10 to 1 if one does.
• Blazing 7s — Wins if the Player or Banker both have a total of 7 composed of the same number of cards. Pays 200 to 1 if both hands are composed of three cards and 50 to 1 if both hands are composed of two cards.
• Cover All — This bet pays 6 to 1 if any of the four bets above win.

Please note that to win the Fortune 7 or Golden 8, the hand you seek must win. With Heavenly 9 or Blazing 7s, winning is not required.

## Fortune 7 Analysis

If the Fortune 7 sounds familiar, it is the same thing as the Dragon 7. The following table shoes the probability and contribution to the return of each possible outcome. The lower right cell shows a house edge of 7.61%.

### Fortune 7 Return Table

Event Pays Combinations Probability Return
Banker has winning 3-card total of 7 40 112,633,011,329,024 0.022534 0.901353
All other -1 4,885,765,264,174,336 0.977466 -0.977466
Total   4,998,398,275,503,360 1.000000 -0.076113

## Golden 8 Analysis

If the Golden 8 sounds familiar, it is the same thing as the Panda 8. The following table shoes the probability and contribution to the return of each possible outcome. The lower right cell shows a house edge of 10.19%.

### Golden 8 Return Table

Event Pays Combinations Probability Return
Player has winning 3-card total of 8 25 172,660,763,262,976 0.034543 0.863580
All other -1 4,825,737,512,240,380 0.965457 -0.965457
Total   4,998,398,275,503,360 1.000000 -0.101876

## Blazing 7s Analysis

The Blazing 7s bet in 5 Treasures should not be confused with the side bet by the same name in blackjack nor the slot machine.

The following table shoes the probability and contribution to the return of each possible outcome of the Blazing 7s bet. The lower right cell shows a house edge of 7.78% (or 7.77% if you round down, which would have been clever for a side bet titled Blazing 7s!).

### Blazing 7s Return Table

Event Pays Combinations Probability Return
Player AND Banker both have a 3-card total of 7 200 11,556,012,525,568 0.002312 0.462389
Player AND Banker have a 2-card total of 7 50 44,838,810,157,056 0.008971 0.448532
All other -1 4,942,003,452,820,740 0.988717 -0.988717
Total   4,998,398,275,503,360 1.000000 -0.077797

## Heavenly 9 Analysis

The following table shoes the probability and contribution to the return of each possible outcome of the Heavenly 9 side bet. The lower right cell shows a house edge of 9.31%.

### Heavenly 9 Return Table

Event Pays Combinations Probability Return
Banker AND Player have a 3-card total of 9 75 10,307,243,902,976 0.002062 0.154658
Banker OR Player have a 3-card total of 9 10 340,879,059,038,208 0.068198 0.681977
All other -1 4,647,211,972,562,180 0.929740 -0.929740
Total   4,998,398,275,503,360 1.000000 -0.093105

## Cover All Analysis

The following table shoes the probability and contribution to the return of each possible outcome of the Cover All side bet. The lower right cell shows a house edge of 2.97%.

### Cover All Return Table

Event Pays Combinations Probability Return
Any win 6 692,874,900,215,808 0.138619 0.831716
No win -1 4,305,523,375,287,550 0.861381 -0.861381
Total   4,998,398,275,503,360 1.000000 -0.029664