A player of a card game, such as poker, may be presented with opportunities to replace one or more of the cards in his or her hand. For example, the player may be dealt a first set of cards, and then offered a first opportunity to replace one or more cards in the first set. The player may also be dealt a second set of cards, and then offered a second opportunity to replace one or more cards in the second set. Preferably, the first set and the second set of cards, when combined, form the player's hand of cards. The player may accept at least one of these two offers and, in doing so, may incur a cost for accepting one or more of the offers. This cost may be based on the difference between a first return associated with hand of cards played without replacement, and an expected second return associated with the offer(s) the player accepted.