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The average adolescent of American Express’ apartment of allegation cards, the Gold Card, is accepting a above advancement this fall, but its bigger allowances are activity to appear with a college fee.

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It’s the latest move by American Express to accumulate and abound its agenda associate abject in the face of added competition. But it additionally refreshes a artefact that industry experts accept said was too big-ticket for the allowances it ahead was offering.

The Gold Agenda has, for some time, sat amid the sub-$100 anniversary fee cards like Chase’s Sapphire Preferred, Citi’s ThankYou Premier Agenda and the super-premium cards like the Platinum Agenda or Sapphire Reserve, which admission airport lounge admission or accept big biking credits. Its accession on the anniversary fee calibration gave the Gold Agenda little absolute competition, and fabricated it accepted with those attractive for some allowances but not attractive to absorb $500 aloof for the advantage of application a acclaim card.

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AmEx is redirecting the Gold Agenda at barter who appetite to biking and banquet aloof like its Platinum Agenda customers, but don’t charge the airport lounge admission or biking internationally as abundant as its higher-spending barter do, said Rachel Stocks, who runs AmEx’s Gold and Platinum Agenda products.

“It’s a basic artefact for us for years, and we capital to add added amount to it,” Stocks said.

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These new allowances are advancing with a college fee. AmEx is accretion the anniversary fee on the agenda from $195 to $250. Those who accept a Gold Agenda already will not see their anniversary fee access until afterwards April 2019, AmEx says. The aftermost time AmEx added the fee on the Gold Agenda was in 2015.

Those who like to adjustment in, or banquet out, are activity to get a big account from the new card. The Gold Agenda users will now get four Membership Rewards credibility per dollar spent on dining, which is up from two credibility per dollar spent.

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The agenda will appear with a $10 a ages ($120 a year) account acclaim aback barter absorb money at Shake Shack, The Cheesecake Factory, Ruth’s Chris Steak House, and the online acclimation apps Seamless and GrubHub. It’s a baby perk, aback it’s basically absurd not to absorb aloof $10 at any of those dining options.

“AmEx is activity adamantine at the dining bazaar with these changes,” said Ted Rossman, a acclaim agenda industry analyst with Creditcards.com, an associate of Bankrate.com. “But I anticipate the anniversary fee is appealing abrupt for what you’re getting, compared to a agenda like the Capital One Savor Card.”

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AmEx is additionally alms four credibility per dollar spent at supermarkets, up to $25,000 a year. But there are added AmEx cards that action bigger bonuses on bazaar spending, like the American Express Blue Banknote Preferred, which gives 6 percent banknote aback on bazaar spending. That’s a banknote aback agenda instead of a credibility affairs card, however.

“If you accept a ample family, and absorb a lot on groceries, you’ll acceptable get the best amount out of this agenda if you appetite a credibility program,” said Julian Kheel, beat administrator for ThePointsGuy.com, a acclaim agenda analysis site.

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Both ThePointsGuy and Bankrate accept advantage from banks aback a company uses their website to administer for a card.

The agenda is befitting some of its old perks, like the $100 airline acclaim and three credibility per dollar spent anon with airlines or through American Express’s biking aperture site. AmEx is bottomward the two-points-per-dollar benefit on gasoline purchases, however.

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The agenda is additionally accepting a concrete brace and rename. It will appear in stainless steel, like the Platinum Card, and for a bound time, AmEx is alms the agenda in a “rose gold” cast to those who appeal it. The card, which acclimated to be branded as Premier Rewards Gold Agenda by American Express, a mouthful, will now aloof be alleged the Gold Card.

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