Gordon Elliott hosted the show, with Mark Thompson serving as announcer (only to do the opening intro and contestant call-in at the end).
A solo player (chosen randomly from the audience) competed for a chance to win over $1,000,000 by answering a series of 10 open-ended questions.
They were also invited to run the billing statement through an onstage paper shredder, and kept the payoff regardless of the outcome of the game.
If the player chose to continue, they had to risk at least half of their total (exclusive of the credit card payoff), and had two minutes to give an answer and lock it in by pressing a button on their podium.
If the player answered all 10 questions correctly, they won all money accumulated during the game, for a potential prize of $1,290,000 including the credit card payoff.