Hi y'all!
Currently gardening for a few more months, but have been thinking for a while. Currently at college, where, when not eating out, I shop at two nearby stores: A grocery store and Target.
I have my Amex BCE for 3% @ grocery stores, so I'm covered there, but about $1.5K of annual spend at Target is currently only getting 2% on my Citi DC.
Let me preface this question by stating I absolutely hate Target, but since they are my only option for food shopping nearby, they have my business. I would prefer Walmart any day.
I will be in college for another 3 years, and therefore, will be loyal to Target for at least another 3 years. Should I apply for either the Credit Card or the Debit card from them for the 2-Day delivery benefit and the 5% back (I obviously don't need the extended return perk, I'm buying food 
)? I have been reading up, and may consider the debit card since it appears to be a SP and won't lower my AAoA.
Open to all opinions! Thanks! Especially regarding if the debit card is worth it, if y'all think the credit card isn't.
@CreditCuriosity wrote:Why not just the debit card if they still offer it? Never shopped at target myself, but doesn't it offer the same 5% off as the CC?
Yes it does, and no bills to worry about. Also, I had no idea we have an extended return policy. In gonna have to look into that.
For an update, y'all convinced me to apply for the Target Debit card.
However, near the end of the application, they asked me how I wanted to verify your bank account. I chose to sign into my Capital One Checking account to instantly verify, rather than wait 3-5 business days for a deposit. Target stated "Capital One wants you to verify you identity. Please choose which phone number you wish to receive a verification text to." However, on that screeen, I could see my phone number listed, but my clicks weren't registering to select the number (it was a weird website error). The application eventually timed out after a 90 second timer ran out, and it said "You will have to verify manually since you did not select a phone # to verify with."
I clicked Target's built-in"Back" button (not the browsers), and a message popped up saying it would terminate my application. I thought, "Okay, sure. I'll just re-enter my information really quickly and try the phone # verification again. Low and behold, I run back through the application, but to my surprise, I was greeted with a 7-10 day message rather than a bank account verification screen! Their fraud system must have picked up two applications (even though it was only one and I formally cancelled the other!), so I am left waiting.... :/
As for why I don't like Target (excluding this application issue), I find them pricier than Wal-Mart, I like Wal-Mart pickup features, and absolutely love Walmart Pay at checkout (makes checkout insanely fast, and makes receipt storing ridiculously easy).
As a side note, when I saw the 7-10 day message, I immediately freaked out, assuming I had clicked Credit instead of Debit!