Budapest in winter is all about sitting outside in steaming thermal water while the cold air hits your face, then wandering through historic bathhouses and grand cafes that feel worlds away from the gray months back home. Going when it is cold means fewer crowds at the major spots like Széchenyi and Gellért, plus cheaper flights and rooms compared to the summer rush.
You are looking at about $3200 for a solid winter trip here, and unless you want to drop that all at once, you need a plan to spread it out. We can use a card with a 0% for 18 months on purchases and balance transfers from date of account opening window to break that total down into manageable chunks without adding interest charges to your bill.
That 0% window is a deadline, not free money, so make sure you divide your balance and pay it off before the 18 months are up or you will get hit with interest on whatever is left.