It seems to be. A 30 day patron pass costs 2400 credits, and if you drop $20 on 3250 credits that leaves you with 850 after buying a 30 day pass. If you went with the 30 day subscription for $15 and purchased $5 in credits you'd only have 750 credits.
I honestly don't know if there are any benefits to paying cash for the patron subscription over using a 30 day pass, but logically there ought to be. Of course given that you're guaranteed to be plunking down $20 that way and not $15 now and maybe $5 later they don't have a problem geeking to a "free" extra 100 credits even though you're spending the same amount of money. --- "Before I send them to hell, I shall let them see heaven." - Claptonvaughn, http://www.gamefaqs.com/boards/605432-path-of-exile/68145584#11
It's good while you are leveling for the xp boost. If you are concerned about grinding out rep once you hit 60, it could be worthwhile too. --- "come on Max. Let's go before more of them show up" he started up the car and drove to Arizona.
If you plan on dropping a lot of credits the 10% discount isn't a terribly bad thing either. Granted you'd have to spend over 24,000 credits to at least "break even," but getting the last two bag slots would cost about 1720 credits/character I believe, getting 68 storage units in two bags or maxing out available trade skill slots will run 7200/character, and buying end-game gear can be pretty damn expensive as well. It'll cost darn near 90k credits to get the full raid gear package for a character without the 10% discount.
Impractical for most people, but if you plan on doing things like maxing out bag/trade skill/character slots in one fell swoop and splurging on things like larger bags it could be worth it from just that perspective. --- "Before I send them to hell, I shall let them see heaven." - Claptonvaughn, http://www.gamefaqs.com/boards/605432-path-of-exile/68145584#11
I just support the game by buying credits every so often, Patron Benefit's aren't fantastic but they're a nice perk for people who pay to just support the game. --- Currently Playing: SWTOR, Wildstar Beta Intel Core i5-2500K | 6GB RAM | Radeon R9 270X 2GB