Standing above the ruins at Machu Picchu in the early morning mist is one of those rare things that actually lives up to the hype. April and May are the sweet spot for this trip because the rainy season is ending, the crowds are thinner, and the Sacred Valley is still green. Booking your flights about six months ahead gets you the best shot at reasonable prices before the peak winter rush hits.
A typical week-long trip runs around $3100 once you factor in flights, trains, guides, and hotels. Dropping that much cash in one go hurts, so spreading out the payments over time makes the logistics a lot easier to swallow.
That 0% intro APR for 15 months on purchases and balance transfers is a deadline, not free money, so make sure you have the balance paid off before that window closes or standard interest kicks in on what is left.