# How to Check 5 Treasures Baccarat Outcomes and Payouts

> Learn the five 5 Treasures side-bet conditions, Wind Creek’s 2026 paytable, Pennsylvania and Nevada differences, and payout arithmetic for a $5 stake.

- Source: https://toolsgambling.com/blog/5-treasures-baccarat
- Publisher: ToolsGambling
- Published: 2026-10-15
- Updated: 2026-10-15
- Cite as: "5 Treasures Baccarat: Five Side Bets, Rules and Payouts", ToolsGambling, https://toolsgambling.com/blog/5-treasures-baccarat

**5 Treasures baccarat offers five separate side bets:** Fortune 7 pays for a winning Banker three-card 7; Golden 8 pays for a winning Player three-card 8; Heavenly 9 pays for one or both sides finishing with a three-card 9; Blazing 7s pays when both sides finish with 7 using either two cards each or three cards each; Cover All pays when any of those four events occurs.

The **Wind Creek Bethlehem 2026 guide** lists net payouts of **40:1, 25:1, 10:1 or 75:1, 50:1 or 200:1, and 6:1**, respectively. The exact schedule appears below, sourced from [the 2026 guide, page 7](https://windcreek.com/sites/default/files/2026-03/26001-01-WCBE-GAMES-TG-Jan-Gaming_Guide_1_26-BKLT-web.pdf). This is a published schedule, not confirmation of a live table’s conditions: **the posted table paytable determines the actual payment.**

## What are the five bets in Wind Creek’s paytable?

**Check the named side, its final total, its card count and—only for Fortune 7 and Golden 8—whether that side wins.** Matching the total alone is not enough.

| Side bet | Winning outcome | Wind Creek 2026 net payout |
|---|---|---:|
| Fortune 7 | Banker wins with a final total of 7 on three cards | 40:1 |
| Golden 8 | Player wins with a final total of 8 on three cards | 25:1 |
| Heavenly 9 | Exactly one side finishes with a total of 9 on three cards | 10:1 |
| Heavenly 9 | Both sides finish with a total of 9 on three cards each | 75:1 |
| Blazing 7s | Both sides finish with a total of 7 on two cards each | 50:1 |
| Blazing 7s | Both sides finish with a total of 7 on three cards each | 200:1 |
| Cover All | At least one of the four events above occurs | 6:1 |

Payout source: [Wind Creek Bethlehem 2026 guide, page 7](https://windcreek.com/sites/default/files/2026-03/26001-01-WCBE-GAMES-TG-Jan-Gaming_Guide_1_26-BKLT-web.pdf). The event definitions also appear in [Pennsylvania §631c.3, August 2024 document, pages 4–5](https://www.pacodeandbulletin.gov/secure/pacode/data/058/chapter631c/058_0631c.pdf).

### Which details can change whether a bet wins?

**Fortune 7 and Golden 8 require the named side to win; Heavenly 9 and Blazing 7s can pay on qualifying ties.** Do not apply one bet’s winning condition to all five.

- **Fortune 7:** Banker finishing with a three-card 7 does not qualify if the round is tied.
- **Golden 8:** Player’s three-card 8 must win. That total by itself does not qualify.
- **Heavenly 9:** A qualifying 9 must use **three cards**. A natural—an initial two-card 8 or 9—is not a three-card Heavenly 9. A three-card 9–9 tie pays 75:1 under this schedule.
- **Blazing 7s:** The condition concerns **final totals of 7–7**, not cards ranked seven. Both sides must have the same qualifying card count: two each or three each. Two cards on one side and three on the other do not qualify.
- **Cover All:** This is a **separate wager**, not an automatic extra payment attached to the other side bets. One qualifying event is enough; the four individual payouts are not added together.

These distinctions follow [Pennsylvania §631c.3, August 2024 document](https://www.pacodeandbulletin.gov/secure/pacode/data/058/chapter631c/058_0631c.pdf). Cover All can be placed without placing the other four side bets, but Pennsylvania requires a base Baccarat wager. Its separate placement is also allowed in [Nevada’s Commission Free Version 2 rules](https://gaming.nv.gov/uploadedFiles/gamingnvgov/content/divisions/enforcement/Rules-of-Play/Commission%20Free%205%20Treasures%20Baccarat%20-%20V2.pdf). Check the table’s base-wager requirements as well.

![Three Blazing 7s examples with specific cards: a 7–7 total with two cards each, three cards each, and two cards on one side and three on the other](https://toolsgambling.com/media/article/2026/10/f0f77c522898a1d7b8be89ef3443e487.webp)
*Original Blazing 7s teaching diagram for Wind Creek / Pennsylvania Paytable B, showing three constructed deals valid under the drawing rules—not a live table screenshot.*

## How do you check the posted table rules?

**Identify the rules version first, then match each qualifying event to its own payout line.** Pay particular attention to two-card Blazing 7s: Wind Creek’s published schedule and the Nevada commission-free version discussed here pay different amounts.

1. **Read the table’s posted rules and paytable.** Check the version name and whether the main Banker bet carries commission. The name “5 Treasures” does not establish a single universal schedule.
2. **Check Fortune 7 and Golden 8.** Confirm the three-card requirement, final total and requirement for the named side to win.
3. **Separate the two Heavenly 9 outcomes.** Find the payouts for one three-card 9 and for two three-card 9s. Do not substitute a natural.
4. **Separate the two Blazing 7s outcomes.** Check two cards each and three cards each independently, including whether both are offered.
5. **Check Cover All as a separate wager.** Find its payout and any required base wager. Placing another side bet does not automatically place Cover All.
6. **Separate net payout from gross credit.** A 50:1 payout means 50 units of profit per unit staked, with the winning stake returned separately.

Use the [Wind Creek 2026 guide](https://windcreek.com/sites/default/files/2026-03/26001-01-WCBE-GAMES-TG-Jan-Gaming_Guide_1_26-BKLT-web.pdf), [Pennsylvania §631c.3, August 2024 document](https://www.pacodeandbulletin.gov/secure/pacode/data/058/chapter631c/058_0631c.pdf), and the applicable Nevada rules version as references—not an unsourced general paytable.

### How do Pennsylvania A/B and Nevada Version 2 differ?

**Wind Creek’s published 2026 payouts match Pennsylvania Paytable B, but not Paytable A or every line of Nevada’s Commission Free Version 2 Paytable 5.**

| Version | Blazing 7s: two cards on each side | Blazing 7s: three cards on each side |
|---|---:|---:|
| Wind Creek Bethlehem 2026 | 50:1 | 200:1 |
| Pennsylvania Paytable A | No payout listed in Paytable A (N/A) | 400:1 |
| Pennsylvania Paytable B | 50:1 | 200:1 |
| Nevada Commission Free Version 2, Paytable 5 | 40:1 | 200:1 |

The other listed payouts are the same: Fortune 7 at 40:1, Golden 8 at 25:1, Heavenly 9 at 10:1 or 75:1, and Cover All at 6:1. Pennsylvania’s A/B selection is specified in the operator’s Rules Submission. Sources: [Pennsylvania §631c.3(h), August 2024 document](https://www.pacodeandbulletin.gov/secure/pacode/data/058/chapter631c/058_0631c.pdf), [Wind Creek 2026](https://windcreek.com/sites/default/files/2026-03/26001-01-WCBE-GAMES-TG-Jan-Gaming_Guide_1_26-BKLT-web.pdf), and [Nevada Commission Free Version 2, Paytable 5, pages 1–2](https://gaming.nv.gov/uploadedFiles/gamingnvgov/content/divisions/enforcement/Rules-of-Play/Commission%20Free%205%20Treasures%20Baccarat%20-%20V2.pdf).

The main Banker bet also differs. Wind Creek’s guide specifies Banker commission. [Nevada’s traditional Version 2 rules](https://www.gaming.nv.gov/siteassets/content/divisions/enforcement/rules-of-play/5_Treasures_Baccarat_-_V2.pdf) specify 5% Banker commission but contain no numerical side-bet paytable. Under [Nevada’s Commission Free Version 2](https://gaming.nv.gov/uploadedFiles/gamingnvgov/content/divisions/enforcement/Rules-of-Play/Commission%20Free%205%20Treasures%20Baccarat%20-%20V2.pdf), a winning Banker three-card 7 makes the **main Banker bet push**. That main-bet rule does not cancel a qualifying Fortune 7 payout.

## How do you settle an example with a \$5 stake?

**Multiply \$5 by the posted net payout, then add the returned \$5 stake to find the gross credit.** These examples settle only the named side bet; they exclude the main wager and any other side bets.

| Final outcome and wager | Net profit or loss | Gross credit, including returned stake |
|---|---:|---:|
| Both sides finish with two-card 7s; \$5 on Blazing 7s under Wind Creek / Pennsylvania B at 50:1 | \$250 | \$255 |
| Same outcome; \$5 on Blazing 7s under Nevada Commission Free V2, Paytable 5 at 40:1 | \$200 | \$205 |
| Exactly one side finishes with a three-card 9 and the other has a lower total; \$5 on Heavenly 9 at 10:1 | \$50 | \$55 |

No rounding is needed: \$5 × 50 = \$250, \$5 × 40 = \$200, and \$5 × 10 = \$50. The first two examples use the same qualifying event; only the payout line changes. Sources: [Wind Creek 2026](https://windcreek.com/sites/default/files/2026-03/26001-01-WCBE-GAMES-TG-Jan-Gaming_Guide_1_26-BKLT-web.pdf) and [Nevada Commission Free Version 2, Paytable 5](https://gaming.nv.gov/uploadedFiles/gamingnvgov/content/divisions/enforcement/Rules-of-Play/Commission%20Free%205%20Treasures%20Baccarat%20-%20V2.pdf).

For a losing example, suppose both sides finish with three-card 7s. That qualifies for Blazing 7s, but **not Fortune 7**, because Banker did not win. If the only side bet placed was \$5 on Fortune 7, the net loss is \$5 and the gross credit is \$0. These are illustrative final states, not reports of observed rounds.

## What does the eight-deck house-edge model show?

**For Blazing 7s, the specified fresh eight-deck model gives a house edge of 7.7797% with payouts of 50:1 and 200:1, or 16.7503% with payouts of 40:1 and 200:1.** These figures describe that side bet under those assumptions—not all five bets, the main Banker bet or a player’s session result.

The [Wizard of Odds exact analysis, updated August 3, 2026](https://wizardofodds.com/games/baccarat/side-bets/5-treasures/), publishes these outcome counts:

- Total denominator: **4,998,398,275,503,360**.
- Both sides finish with two-card 7s: **44,838,810,157,056**.
- Both sides finish with three-card 7s: **11,556,012,525,568**.

Let `p_2` and `p_3` be those respective counts divided by the total denominator. With all other outcomes losing, the house edge uses gross returns per unit staked: net winnings plus the returned stake.

- **50:1 and 200:1:** `1 − 51 × p_2 − 201 × p_3 = 7.7797%`.
- **40:1 and 200:1:** `1 − 41 × p_2 − 201 × p_3 = 16.7503%`.

This calculation assumes eight fresh, complete decks and the specified payouts. It is not a measurement of a live table. Percentages are rounded to four decimal places.

| Blazing 7s payout assumptions | Model house edge | Expected loss over 100 wagers of \$5 |
|---|---:|---:|
| Wind Creek / Pennsylvania B: 50:1 and 200:1 | 7.7797% | \$38.90 |
| Nevada Commission Free V2, Paytable 5: 40:1 and 200:1 | 16.7503% | \$83.75 |

Expected loss is total stake turnover multiplied by the model house edge. Here, turnover is \$500; dollar amounts are rounded to cents. Actual results over 100 rounds can differ substantially. This is a mathematical comparison, not a betting recommendation or guarantee.

In the [ToolsGambling house-edge calculator](https://toolsgambling.com/casino/house-edge-calculator), turn on **Enter a custom house edge** and enter 7.7797% or 16.7503%. Set **Bet Size per Round** to \$5, select **By rounds**, and set **Number of Rounds** to 100. The expected loss is about \$38.90 or \$83.75, respectively; the interface may round values. The calculator uses the supplied edge; **it does not read 5 Treasures rules, solve a paytable or infer the table’s actual house edge.**

For background on third-card drawing rules, see the [analysis of 1,000 baccarat shoes](https://toolsgambling.com/blog/1000-baccarat-shoes-analysis). That article does not calculate these side bets: settling 5 Treasures still requires the exact qualifying event and the table’s posted paytable.

## FAQ

### Can both Blazing 7s tiers pay on the same deal?

No. One tier requires two cards in each hand, while the other requires three cards in each hand. A completed deal cannot meet both conditions. Use the table’s current paytable to find the payout for the qualifying outcome.