Late spring is the sweet spot for Puerto Rico. You get warm water and trade winds before the summer humidity and hurricane season settle in. Spend a few days jumping between the old stone streets of San Juan, the surf breaks in Rincón, and the hidden waterfalls tucked deep inside El Yunque.
A solid trip usually runs about $1600 once you factor in flights, a place to stay, and a rental car to get you across the island. Paying for all of that at once can sting, which is why we want a strategy to spread out the hit without paying extra fees.
That 0% intro APR is a deadline, not free money. If you still have a balance left when those 15 months run out, you will get hit with interest on what is left over, so make sure the trip is fully paid off before then.