Kyoto in late autumn or early spring is hard to beat. The morning light cuts through the Arashiyama bamboo groves before crowds show up, and the maple leaves or cherry blossoms frame centuries-old wooden temples across town. It is quiet, walk-heavy, and worth the long haul across the Pacific.
A solid week from the US usually runs about $3200 once you factor in flights, traditional stays, and local trains. You do not have to swallow that cost all in one month, though. Spreading the total out makes the numbers much friendlier.
Keep in mind that 0% intro interest is a grace period, not free money. If you have any balance left after the 18 months end, regular variable interest kicks in on the remaining amount, which quickly drives up the cost of the trip. Set up autopay for $177.78 every month so you hit zero before the intro window closes.