This may not be what you want to hear but if you wait till late Oct-mid november they will have ps plus cards on sale for around 20-30 bucks like they did last year. If you want i can alert you of the discount then?
Except they didn't last year, and I wouldn't hold your breath for this year. $35 MAYBE, but still unlikely. With it being reuqired for PS4 online they are milking it heavy.