Waking up to howler monkeys and thick mist rolling over the canopy is worth the trip to Costa Rica. If you go during the rainy season, resort rates drop and the jungle actually looks lush instead of dusty. It is the best time to see the rainforest without tripping over crowds.
You are looking at about $1900 for a solid trip. Spreading that out over a few months helps you grab those seasonal resort deals without draining your checking account all at once.
That intro window is a hard deadline, not free money. If you still have a balance left when the 15 months are up, interest kicks in on the whole mess.