Egypt hits different in the cooler months, which is exactly why October through April is the sweet spot. Cairo and Luxor in winter sit in the 60s and 70s, the crowds thin out after the holiday rush in January, and the Nile cruises feel calm instead of chaotic. You'll want at least seven to ten days to do it justice — a couple of nights in Cairo for the pyramids and the museum, then south to Luxor and a few days on a felucca or a cruise between Aswan and Luxor. Shoulder months like October, late November, and March usually give you the best mix of weather and prices.
The catch is that even a budget Egypt trip adds up fast when you stack flights, a hotel or two, the cruise, and a guide. The play is to put the whole thing on one card with a long 0% intro window so the balance can breathe while you pay it down on a normal schedule instead of a panic one.
The 0% intro on the Citi Simplicity® Credit Card runs for 18 months from account opening on purchases. That's a deadline, not a discount — if any balance is still sitting on the card when the window closes, standard interest kicks in on whatever's left. Treat the 18 months as the latest you're willing to be done, not the date you plan to finish.