Hawaii is best when the crowds thin out. April and September give you warm water, quiet beaches, and clear paths up the volcanic craters without the peak-season prices or the summer heat. You get to experience the islands at your own pace.
A typical trip like this costs about $3400. Instead of dropping all that cash at once, you can use a strategic card to split the cost into monthly chunks. We can map out how to do it over more than a year.
Keep in mind that 15 months is a hard deadline, not a pass to ignore the bill. If you have any balance left when the intro window closes, the regular interest rate kicks in on whatever is left, which gets expensive fast.