Savannah in early spring is about as good as the South gets. The azaleas are popping, the river breeze keeps the humidity off your neck, and walking those historic squares at dusk is hard to beat. You want to catch the city right before the heavy summer heat settles in and turns every afternoon into a swamp.
A solid weekend of ghost tours, historic walks, and local food usually runs right around $1200. Spreading that out without messing up your cash flow just takes a bit of planning before you book your stay.
That 0% period is a deadline, not free money. If you still have a balance left when the 15 months are up, interest kicks in on what is left over.