On Monday Motorola will be selling the Moto X for $150 off. That's $349 for the 16 gig version.
http://www.motorola.com/us/homeI bought this phone with my discover last month for $499 and am now in the price protection process to get my $150 refund from discover.
Discover also gives an extra year warranty and 5% off of online purchases.
In addition, I bought a droid x2 off of ebay for $40, and traded it in via
www.mototradeup.com to get a $100 visa gift card.
If all goes well I'll have paid $290 for a 16-Gig MotoX. I recommend getting the 32gig as the 16gig has only 11gigs of available storage space and neither version has an SD card slot.