Credit card issuers are sticking much more closely to the rules because there is merchant vendor pushback and the issuer is left holding the bag.
If the property is open and operating during OP's stay, then he is stuck with the terms of his booking. If he can rebook, that is the best he will do. On the other hand, if the property is closed, then he at least has a fighting chance (although Spain may well join France in granting properties up to a year to issue refunds).
The key is to have everything in writing and to be able to demonstrate that the service cannot be provided.