With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.
$50 annual fee
Earn one free night when you charge at least $10,000 during the 12-month period immediately prior to the statement on which the Annual Fee is billed and renew your card.
Your Club Carlson membership will be upgraded to Silver Elite Status after you activate and use your card.