Late spring is the sweet spot for Montreal. You avoid the heavy summer tourist crush and the peak hotel rates, plus the weather is perfect for walking through Old Montreal to find the best boulangeries. It is a city that feels like Europe without the long-haul flight.
If you want to spread the $1600 cost of the trip across your budget, the Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This lets you pay for the trip in smaller chunks while you count down the days to your first pastry.
Remember that the 0% offer is a temporary window, not a free pass. If you have a balance left over when the 18 months are up, you will start paying interest on whatever remains.