An apparatus and method providing at least one input device which enables a player to deposit an amount of money into a gaming device and a memory device configured to store the deposited amount of money. The gaming device displays the deposited amount of money on a credit display. The gaming device includes a wagering game and at least one input device configured to enable the player to initiate a play of the game by inputting a wager using the deposited amount of money. The game includes a plurality of award opportunities. The gaming device determines which of the award opportunities to employ based on the deposited amount of money. In one embodiment, the gaming device provides an enhanced award opportunity if the deposited amount of money is at least a designated amount.