Chicago in the early spring is quiet enough to actually hear the river tours and grab a corner booth at Lou Malnati's without a two-hour wait. You go for the architecture boat tours, the Loop's outdoor art, and a weekend of walking the lakefront before the summer humidity sets in.
A typical trip runs about $1400 all in for flights, a solid hotel, and food. Breaking that down into steady chunks makes it manageable instead of a single hit to your checking account all at once.
That 0% intro APR is a deadline, not free money, and any remaining balance after 15 months will get hit with standard interest.