It's kind of shameful to Microsoft again after security experts find out about the How Old.net service as well as the upcoming Microsoft Earn. This may be due to the fact that the photos will be stored for advertising purposes which is the same planned bullshit they had planned the last time for the Xbox One Kinect and it's likely that it's going to be the same for whatever purchases you have made as part of Microsoft Earn as if there are millions of fags who don't care about security at all who use such services like that.
Like the shopping complexes that offer points/credits for whatever stuff you purchase provided that you are a member, Microsoft Earn earns you the credits for stuffs you have purchased but then, you may need credit cards to track purchases of the software, laptops, phones and more. Also, the purchase with this kind of campaign as the discount is effective in Microsoft stores.
Lastly, unless there's a competitive campaign where someone is lucky to have answered the call from the TV show organized by the supermarket company or whatever for spending so much money on stuffs where that money can be multiplied that will become a winning prize, you should buy whatever that suits your needs or enhancements as there may be multiple options to choose from. As this upcoming service is in Beta stage, this is the time to wait for further news about it to pop up.