Listed price is $ 409.99 and choose no return (you can still return without fees if there is something wrong with the card) and add shop10 code at checkout. Then use a mail-in-rebate for additional $ 20 discount.
There are additional discounts if you pay with debit card (my CC gives better discount of 2%) and iBotta 5% cashback.
The math is
$ 429.00 MSRP
– $ 19.01 discount from MSRP
– $ 9.02 discount for no return
– $ 40.10 shop10 code discount