Sedona in November is about as good as desert hiking gets. The daytime temps hover in the sixties, the summer crowds thin out, and the red rocks pop against clear blue skies. It is the ideal window to hit trails like Cathedral Rock or Devil's Bridge without melting.
A typical trip runs about $2200 for flights, lodging, and car rental. Dropping that all at once hurts, which is why we usually look at ways to break up big expenses over time instead of taking the full hit on payday.
Keep in mind that 0% intro APR for 15 months on purchases and balance transfers is a deadline, not free money. If you still carry a balance when those 15 months are up, the remaining amount gets hit with regular interest.