If you're paying full price for Xbox games right now, you're crazy because Amazon, Walmart, and Newegg, are discounting a variety of Xbox digital gift cards. Spend $27, get $30. Spend $36, get $40. Spend $90, get $100.
Walmart has also picked up on this deal! Much like Amazon, some of the denominations are not on sale for whatever reason. You can spend $27 to get $30, $54 to get $60, and $90 to get $100. Since these are emailed directly to you, you don't have to worry about shipping.
This is an easy deal, and redeeming the code is even easier. Once you buy the card, it shows up in your Amazon Games Library and all you have to do is hit the "Redeem on Xbox" button. It loads Xbox.com for you, you login to your Xbox Live account if you aren't already, the code is automatically pasted there, and you redeem it. Next time you turn on your Xbox you'll have money in your Microsoft balance.
If you're about using this to renew your Xbox Live membership, don't waste your gift card on that. It's already 10% off on Amazon. Save your gift card for some games!
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