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.
1. Earn 5 points for every $1 spent on Fairmont stays
3. Earn 1 point for every $1 spent on all other purchases.
Earn 1 Complimentary Night each anniversary year that you make $12,000 in purchases with your card.
Pay no foreign transaction fees when you use your card on purchases made outside the United States.