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There is a bit of a misunderstanding going on. H&M does not offer any credit card of their own. An H&M merchandise credit is not a credit card. A merchandise credit is like an H&M gift card, but serves a slightly different purpose. An H&M merchandise credit is like a store credit that is received when a standard refund cannot be issued. Customers may not be issued a standard refund when they return merchandise without a receipt or beyond the 30-day return period.

Although you may not be able to apply for a credit card directly from H&M, keep in mind that there are so many regular rewards credit cards that can allow you to benefit from your shopping.