This is a great thread, I wasn't aware you could just get the debit card, I guess I thought you had to get the credit card for some reason! I'm definitely going to look at this now.
Just out of curiosity, when Target had the fiasco with everyone's accounts being hacked/identities stolen, etc., did anyone have issues with the Red Card in particular? I know they accessed anyone regardless of whether it was a Target card or not, but I didn't know if anyone experienced any specific issues with having a Red Card, particularly the debit card. Does your bank still provide the same protections for the Red Card even though it's not a bank-issued debit card? I may just not fully understand how this works since I never use my debit card and am religious about paying off the balance on my credit cards every month.