I have recently heard about an H&M Merchandise... - Cash Back Rewards Questions

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Questions » User Questions » Cash Back Rewards » I have recently heard about an H&M Merchandise credit card and I wanted to apply for it,...

I have recently heard about an H&M Merchandise credit card and I wanted to apply for it, but I couldn’t find an H&M credit card application for it or even any information on the card itself. Is there any way that I can apply for this card?

Answered on | Updated on July 1st, 2017
The content is accurate at the time of publication and is subject to change.

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. For example, you may choose the Discover it® Cash Back credit card. This card allows to earn up to 5% cash back at rotatating categories on up to $1,500 in purchases when you activate (you should register each quarter to earn rewards). Plus, 1% cash back on all other purchases. Also all the cash back you’ve earned will be matched at the end of your first year, if you are a new cardmember. You could turn $150 into $300. This card comes with no annual fee and with 0% intro APR on purchases (when the introductory interest rate is over, the ongoing APR will apply).

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Excellent, Good Credit
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Excellent, Good Credit
Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
Fair Credit

Other Questions in
Cash Back Rewards

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!