Clark heard about an American Express offer that he wants to share with you. Amex has a product called the “Travel Funds” card. It’s a third kind of credit card that is known as a stored value card. If the money is stolen, Amex restores the money to your account much like a traveler’s check. The company must be trying to get more of these sold because right now it has a special offer. Through the end of September, you can buy one of these cards, put money on it and get a free companion airline ticket. Clark saw the offer and wondered what the catch was. He found it in the 2.5 pages of mice types accompanying the offer. The first catch is that you have to buy a ripoff ticket to get the companion ticket. The minimum fare purchase must be $350 to $380. Also, there are all kinds of rules about booking the ticket, when you can and can’t go, and flights are subject to change up to 24 hours before you go. What kind of deal is that? Check out the gotchas before you sign up for one of these “deals.”