Can't you get your money back free of charges if it's within the first month?
"Unused store credit can be kept in your account for as long as you like. You can also request a full refund of any unused store credit within the first 30 days of purchasing it.
Buyers Only: If you bought store credit within the last 30 days, we do not need to charge you the cash-out fee."
I'm pretty sure that's how it works so if you had one card in mind I'd imagine the worst case scenario would be your funds get tied up for a few days.