Quebec City in September is about crisp air, stone-paved streets, and lingering on cafe patios before the brutal winter sets in. It feels like a slice of Europe hiding out in North America, making it an easy escape if you want old-world charm without blowing a full week on jet lag.
A typical trip runs about $1500 for flights and a decent place to stay, which is manageable if you map it out. We just need a clear plan so you don't dump the whole cost onto your checking account at once.
That 0% window is a deadline, not free money. If you still have a balance left when the 18 months are up, interest kicks in on whatever is sitting there.