Originally Posted by canadavid

Point n°1: You get the full amount of xp.
Point n°2: For the French market, I have the feeling that the « fortuneo » offer is one if the best and may match your expectation for nearly free. With this online bank, you can get a « World elite MC » (for the insurance part - with no issue on your travelling company) and an Amex classic gold card (free 1st year and every year if you spend 12k€) to rack up points on your purchases. You can transfer those points within the membership rewards even though i think it is 5:4 ratio so less valuable to AF/KLM). And I don’t know a lot of card except Amex that allow to rack up points/miles on the French market.

PS: for all of those who try to negotiate their yearly fees, 12k€ seems to be a good base to start if you can get it for free.