You want a beginner-friendly film camera and lens kit that actually lasts, so you only buy once instead of upgrading in six months. A good mechanical body paired with a sharp fifty-millimeter lens will teach you the fundamentals and stay in your bag for years.
Look at used gear marketplaces where older models drop in price right after newer versions hit the market. Buying last year's or last decade's gear is usually the smartest move because film bodies don't age like smartphones do.
Remember that the 0% intro APR for 15 months on purchases and balance transfers is a hard deadline, not free money. If you still have a remaining balance when those 15 months are up, standard interest charges will kick in on the amount you borrowed.