Picture yourself driving through the Scottish Highlands in spring, stopping for coffee in Inverness before the summer crowds arrive. Booking your trip in late winter gets you the best pick of small bed-and-breakfasts and cheaper flights to Edinburgh, making it the ideal time to lock in your plans.
A trip like this usually runs about $3200 for flights, lodging, and a rental car. Spreading that out over a few months makes it easier to handle without draining your checking account all at once.
That intro window is a deadline, not free money. If you still have a balance left when the 15 months are up, interest kicks in on what is left over.