In my personal experience I consider using Member Reward points to buy T Credits every month if you don't have any.
Once you have lots of T Credits I would use them to buy gift cards for the next 3 to 6 months.
The point is that all the points you get every month should be saved up in order to have lots of them, and you should only spend the smallest amount possible on products you really need and for buying cheap advertising products to generate sales or sponsor affiliates.
