The major problem here is that when you load money onto these cards one is actually loaning money to the airline or american express at zero per cent
interest and paying up to say 5% for the right to loan the company your money.
Travellers cheques,cash cards,etc., are a major way for companies to raise funds ,getting you to loan them money!!!!!! Now if you happen to come back from a trip and have a few hundred dollars in travellers cheques lying around and you do not use them for a year or even throw them in to a drawer and forget about them ,then you have given the company money and have paid for the right to do so?? if one million people have one dollar loaded onto the one amex cash card or qantas cash card,etc and never use that one dollar ,then that company has just raised one million dollars plus earned 5% from these people as well.
Not a bad way to raise money.
the best way to go is to use credit cards-using their money,interest free for up to 45 days.