Food tours fill up fast, especially when you need a private guide for a group. Three months out is the sweet spot to lock in your date, collect dietary needs, and keep the bride from stressing about dinner plans.
A private tour usually runs about $600. Instead of chasing down six different cash-app transfers the week before the trip, you can cover the charge up front and give everyone a clear timeline to pay you back.
The 0% intro APR window is a hard deadline, not free money. If you still carry a balance after 15 months, the standard interest rate kicks in on whatever amount is left, so clear the tab before the promotional period ends.