I have VISA, Mastercard and American Express Flying Blue Silver, not in the same place obviously. I am now waterproof against card refusal.

I learnt the hard way you can't rely on only one card.
I just checked the American Express website. They seem really agressive on their promotion : 150 euros for free for any Air France-KLM ticket besides the traditional 1st year offer (50 euros discount + 6k miles + free first year fee for the Gold), and the promotion stops at the end of March, just before their horrible insurance policy change.
It seems the more they implement non sense policies for their loyal customers the more the marketing team throws freebies to new customers.