Late spring is the sweet spot for Chicago. The winter chill finally lifts, the summer crowds haven't jammed up the Riverwalk yet, and you can actually get a seat on the architecture boat tour without waiting hours. Grab a slice of deep dish, walk the lakefront, and enjoy the city before peak tourism season hits.
A typical trip runs about $1200 once you factor in flights, a decent place to stay, and a few good meals. Spreading that cost out over time makes it much easier to handle.
That 0% window is a hard deadline, not free money, and any leftover balance after 18 months will start soaking up standard interest charges.