Iceland is a different world when the crowds thin out. Going during the shoulder season means you get better access to the geothermal baths and those massive, misty waterfalls without fighting for space in every photo.
You can manage the $3800 price tag by spreading it out over time. Using the Discover it® Cash Back card, you get a 0% intro APR for 15 months on purchases. This lets you pay $253.33 per month to clear the balance before the intro period ends.
That 15-month intro window is a firm deadline, not free money. If you still have a balance once those 15 months are up, you will start paying interest on whatever is left.