I'd like advice regarding credit card spend for my elderly parents. Here's the situation (and I'll try to keep it short)... Due to a severe medical crisis, my parents will be spending upwards of $325k this year for in-home nursing care and/or nursing homes. If they stay at home, they'll also be renovating two bathrooms and that will incur some additional expenses as well. The original plan was to use their Amex Gold card for most purchases to earn Membership Rewards points. However, the visiting nurse association only takes Mastercard and Visa. I'd like advice on which Visa or Mastercard may be the most lucrative for us. We were looking at cash back cards, and that's still in the running, but my parents have asked me if there's any way to get a rewards card that would... A) earn points that can be converted into airline tickets from Jacksonville, Florida to Boston (so my sister's family can visit more often without spending their money) B) earn points that can ultimately pay for a family vacation to Walt Disney World once my parents are gone (we always used to vacation at Disney as a family and my parents have a dream that their final gift to the children and grandchildren would be another trip for us to come together as a family after they are gone). I'm sort of hedging toward having them open a Starwood Amex card and use that instead of Amex Gold for expenses when possible to earn SPG points that could be used at Disney's Swan or Dolphin hotel. Then I'd open a Mastercard or Visa to be used for the visiting nurse payments. I just don't know which card to go for. Would you do a cash back card or another mileage-earning card (like Citi AAdvantage)? I'd appreciate your input.