I think the best is 125 T-credit pack! But if you have enough money, I will deffinitely include S-builder and gift cards, couse both are great!
My standing order is S-builder, 100 T-credit pack and 1 T-credit (just to have enough for 1500 VP, and still not too much money - less than $60). But when I have more money, I will definitely include gift cards and more T-credits.