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The Amex Gold Card just refreshed for 2026, and the good news is most of the changes are positive. I've had the Gold as my main horse card for six years now. And with $325 in annual fees, you need to make sure you're getting your money's worth. I'll walk you through the spending multipliers, credits breakdown, and the perks nobody talks about. I'll share my own tips and mistakes to avoid. Stay till the end, I'll tell you who this card makes sense for and why some people should skip it.