The Playstation credit card is way way better than this. I get so much free stuff it's ridiculous, and they have never made a cent off me in interest. Hot shots Golf Vita, GTA5 PS3, a 4GB Vita card, a Vita game case, a year of PS+, at least $160 in PS store credit, an avatar pack, in about 2 years.
/EDIT Oh yeah 2K14 PS4 and Transistor PS4 also.