A gaming terminal for playing a wagering game and having a special payout. The gaming terminal includes a basic game having a randomly selected outcome. The gaming terminal includes a side-wager option. In response to a player not choosing the side-wager option, the gaming terminal provides the player with a first probability greater than zero of achieving a special-payout outcome. In response to the player choosing the side-wager option, the gaming terminal provides the player with a second probability of achieving the special-payout outcome. The second probability is greater than the first probability.