Best credit card to use at H&M

Updated October 30, 2026

Citi Double Cash earns the most at H&M: 2% cash back. H&M usually codes as clothing stores.

Check with your own cards

Top 10 cards at H&M

1. 1
   Citi Double Cash 2%
   Citi · No annual fee
2. 2
   SoFi Unlimited 2% 2%
   SoFi · No annual fee
3. 3
   Wells Fargo Active Cash 2%
   Wells Fargo · No annual fee
4. 4
   Capital One Venture Rewards 2%
   Capital One · $95 a year
5. 5
   Capital One Venture X Rewards 2%
   Capital One · $395 a year
6. 6
   Chase Freedom Unlimited 1.5%
   Chase · No annual fee
7. 7
   IHG One Rewards Premier 1.5%
   Chase · $150 a year
8. 8
   IHG One Rewards Premier Select 1.5%
   Chase · $350 a year
9. 9
   Citi Strata Elite 1.5%
   Citi · $595 a year
10. 10
    Amex Blue Cash Everyday 1%
    American Express · No annual fee

From the issuers' terms

• Citi Double Cash: “Earn unlimited 1% cash back when you buy, plus an additional 1% as you pay” citi.com, checked 2026-10-26.
• SoFi Unlimited 2%: “Members earn 2 rewards points for every dollar spent on purchases” sofi.com, checked 2026-10-24.
• Wells Fargo Active Cash: “unlimited 2% cash rewards on purchases” creditcards.wellsfargo.com, checked 2026-10-26.

How this is ranked

Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.

Related

clothing stores · Uniqlo · Gap · Old Navy · Zara · Aeropostale · American Eagle · Ann Taylor · Banana Republic