A key difference is that the True Link card has built in protections against specific cases of elder fraud, not just the general cases of fraud that something like Amex targets.

Just to give a concrete example: there are bunch of charities that sound like legitimate ones but aren't. An example is the Cancer Fund of America, which spends less than 1% of their income on charitable activities (see [1][2]). These charities specifically target the elderly, sometimes calling them over and over again to take advantage of cognitive decline (cf. [2][3]).

[1] http://www.tampabay.com/americas-worst-charities/ [2] http://www.cnn.com/2013/06/13/us/worst-charities [3] http://www.bloomberg.com/news/2010-06-15/financial-abuse-vic... [4] http://articles.washingtonpost.com/2009-07-16/opinions/36887...