Starting Nov. 6, Walmart has started an early Black Friday sale, and the Straight Talk iPhone SE3 64GB is only $49.99 before tax. Activate it with the cheapest one-month $35 plan, and it unlocks after 60 days of activation (you do not need to use it for two months). Offer link below:
AMEX and Chase cards have Walmart spend cashback promotions, so this stacks well with those offers. 
This phone allows up to 2 units per person. Straight Talk is a prepaid plan, so no credit check is required, and it works well either for your own use or for trade-in.