One step or two? Start with the trade-offs.

The number of evaluation phases is one part of the decision. Compare the targets, loss rules, fees and later-stage conditions together.

Compare the same stage

A one-step program commonly describes a single evaluation phase, while a two-step program describes two. These labels do not specify the actual rules. Read the current program document to see what each phase requires.

Do not add targets as if they were one account

A first-phase target and a second-phase target usually apply to separate evaluation conditions. Present them phase by phase, with the applicable limits, rather than inventing one blended success target.

Check the costs of another attempt

A lower entry fee may be offset by resets, recurring charges or a later activation payment. Model a stated scenario and keep optional charges separate. Fewer phases do not guarantee a cheaper or easier route.

Look beyond passing

Find the conditions that follow evaluation: account type, loss limit changes, eligible days and payout rules. Your shortlist should reflect the whole program you are considering.