I’m a total noob and can’t figure out how to make my own thread yet so I figured I’d reply to this one because my suggestion is similar:
GIFT CARDS!!!
I’d love for there to be a way to have digital (eventually physical maybe? that would be super cool) gift cards to Patreon. It wouldn’t even have to be for a specific creator (though this feature could be cool, too) - just a digital, emailed gift card (like amazon, etc does) that can be used as a payment method for any creator on Patreon!
I know the logistics might get a bit tricky in terms of taxes, etc, and the fact that all creators charge differently for different tiers. However, if it was written in a super simple format and maybe scripted based on who they’re applying it to, I think it could work! For example:
I buy a $20 Patreon gift card for my mom. I don’t have a creator in mind but I know she likes that sort of thing, so I feel like it’s a good gift. The gift card is automatically sent to her email. She gets a message telling her about Patreon (with the ability to apply the card to an existing account if she happens to have one), what it is, etc. It also mentions that different creators charge different things, and that the gift card will only cover $20 of pledges. (Maybe it even has her add a backup payment, OR if she doesn’t want to, it notifies her that she will not receive benefits if there are insufficient funds.) She then goes to Creator X’s page, who has a $5 tier. She selects her gift card as a payment source, some DIGITAL CODING MUMBO JUMBO THAT I DON’T KNOW IF IT’S POSSIBLE OR NOT happens, and a small box appears that says, “Hey! With calculated VAT, your gift card will be able to cover THREE MONTHS of this creator’s selected tier. Nice!” She can then add a backup payment to use when it runs out - or not!
I’m also imagining a slightly different scenario - I know a creator, Creator Y, that my mom would LOVE. I include their Patreon URL in my gift card order and the email generated to my mom automatically includes a small snippet of their profile or benefit lists, as well as a link to pledge to their profile specifically. Maybe these types of gift cards even only work for a specific creator!
I think no matter how the feature is designed, it would be really cool! It could also attract Patrons who don’t have or don’t like using debit cards/bank info! Thanks for reading! 
Editing with one more thought: gift-card payments could be categorized differently on the benefit page so creators can message their gift card Patrons and be like “hey do you wanna stick around!” if they want or something like that 