The apparatus and method of the present invention provides a gaming device having a separately changeable value and multiplier bonus scheme. The bonus scheme begins when a triggering event occurs during normal operation of the gaming device. Initially, the game displays a value and a multiplier to the player, which form an offer. The game enables the player to keep the offer or change either the value or the multiplier. If the player changes either, the game changes the value or multiplier selected by the player, and yields a new offer. In the preferred embodiment of the bonus scheme, the player can keep the new offer or change the value or multiplier and obtain a final new offer. After the player can no longer change the value or multiplier or if at any time the player keeps an offer, the bonus scheme ends by adding the amount of the offer to the player's gaming device credit, and the player resumes normal play.