Neither, actually. Bad Debt is pretty lo-fi compared to later work, and Terms is good, but not (IMO) the catchiest one. My rec to start is Lateness of Dancers. If you like that one, I think you’ll find something to appreciate going forward or back from there. The albums before it are a little more esoteric; the ones after come with the signing to Merge and you can hear it in the production value.
edit: Poor Moon —> Haw —> Lateness of Dancers —> Heart Like a Levee is a phenomenal run. Hallelujah Anyhow and Terms of Surrender are both good, too, but tbh I haven’t spent as much time with them because I always return to those 4.