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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 appear with a college fee.

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 offered.

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.

AmEx is casting the Gold Agenda at barter who appetite to biking and banquet like its Platinum Agenda customers, but don’t charge the airport lounge admission or biking internationally as abundant as higher-spending customers, 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.

The new allowances are advancing with a college cost. 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, will get a big account from the new card. Users will get four Membership Rewards credibility per dollar spent on dining, which is up from two credibility per dollar.

The agenda will appear with a $10 a ages ($120 a year) acclaim aback barter absorb money at Shake Shack, The Cheesecake Factory, Ruth’s Chris Steak House, and online acclimation apps Seamless and GrubHub.

“AmEx is activity adamantine at the dining bazaar with these changes,” said Ted Rossman, an industry analyst with Creditcards.com, an associate of Bankrate.com. “But I anticipate the anniversary fee is appealing abrupt for what you’re getting.”

AmEx is additionally alms four credibility per dollar spent at supermarkets, up to $25,000 a year. The company’s Blue Banknote Preferred card, however, gives 6 percent banknote aback on bazaar spending.

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