Should I call out of work tomorrow due to being very sick with a cold even though I will be penalized for it?

We have this rule at my job that you must give 48 hour notice before you can take off work but I'm feeling really sick. Have never called out before since I have been working there but at the same time I don't want to lose any of my PTO because I had planned a 2 week vacation in November and I don't want to be penalized because it would mean I won't get my $900 incentive.

So I'm kind of leaning towards still going and suck it up. But I feel so awful right now.
Updates
10 mo
I decided to go in. I'm feeling a bit better and don't want to spend the day at home knowing I could have pushed through plus we are in cubicles so the likelihood of me getting someone sick is pretty slim.
Should I call out of work tomorrow due to being very sick with a cold even though I will be penalized for it?
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