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How to Book a Trip to Iceland

How to · Travel

How to Book a Trip to Iceland

See the waterfalls and lights without breaking your bank account by breaking the cost into manageable monthly payments.

VoAtlas editorial Updated · 3 min read
Typical cost $3,200 before anything else
Across the 0% window $177.78/mo 18 months, no interest

How we got that: $3,200 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

Iceland in late spring is the sweet spot. You get enough daylight to see the waterfalls during the day and just enough darkness to catch the northern lights at night. It is cheaper and quieter than the summer peak, making it the perfect time to explore the volcanic landscapes.

We can make this $3200 trip happen without a massive hit to your savings. By using the Citi Simplicity® Credit Card, you get 0% for 18 months on purchases and balance transfers from date of account opening. This lets you spread the cost out so you aren't paying for the whole thing the second you book.

The 18-month window is a deadline, not a gift. If you still have a balance after 18 months, the bank will charge you interest on the remaining amount, which will cost you significantly more.

The steps

  1. 01

    Pick your dates

    Aim for late May to balance daylight hours and your chances of seeing the lights. Look at flight prices for mid-week departures to save money. Booking ahead gives you more options for affordable guesthouses.

  2. 02

    Secure your financing

    Apply for the Citi Simplicity® Credit Card to cover the $3200 total. You have an intro window on purchases of 18 months to pay it off. This keeps your monthly payments at $177.78.

  3. 03

    Book your travel

    Use your card to lock in your flights and lodging while prices are low. Keep your receipts in one place so you know exactly how much you have spent. Do not go over the $3200 budget just because you have credit room.

  4. 04

    Set up autopay

    Log into your account and set up automatic payments for at least $178 each month. This ensures you never miss a payment. It keeps your account in good standing and keeps you on track to finish paying before the window closes.

  5. 05

    Book your excursions

    Once the big costs are covered, look for guided tours to remote waterfalls or glacier hikes. Book these locally or through reputable sites before you leave. Use the remainder of your budget wisely so you have enough for food.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Is the northern lights guarantee real?

No, it is nature. You have to hope for clear skies and solar activity, so do not base your entire trip around seeing them.

What happens if I miss a monthly payment?

You might lose the 0% rate and get hit with penalty fees. Always set up autopay to avoid this.

Is Iceland actually that expensive?

Yes, food and gas are pricey. Budget extra for meals unless you plan on shopping at local grocery stores.

Can I pay it off faster?

Yes, and you should. Paying more than $177.78 per month is a smart way to clear the debt early and avoid any stress.