Montreal in early autumn is perfect because the summer crowds have thinned out but the bistros are still buzzing. You can spend your evenings at local jazz clubs and your days wandering through the old city while the leaves change color.
To make the $2200 budget work without feeling the pinch all at once, you can spread the cost over time using the Citi Simplicity® Credit Card. It offers 0% for 18 months on purchases and balance transfers from date of account opening, which gives you breathing room to pay off the trip after you get home.
That 18-month window is a deadline, not a gift. If you still have a balance on the card once that period ends, the interest will start to pile up quickly.