Whom is the target of this American Express ad?

I saw this ad this AM — and perhaps I just don’t get advertising — but I’m stunned that there hasn’t been more hub-bub over this years-old ad.  The first time I saw it I had the sound off, so I thought the last couple was father and daughter (it’s about 30 seconds in).

Am I missing something here?  Leave aside the May-December pairing, it seems so patronizing (Tiramisu!).  And what’s worse, the segment appears to be pitched at the college-age wife.  Or is it to the husband (to give the card to his wife)?

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