H&M Membership and Credit Card: What You Actually Get H&M wants you in its membership program, not its wallet — because there is no H&M credit card to put there. Despite store cards being almost standard in fast fashion, H&M has never launched one in the United States. What it offers instead is a free loyalty program, …

Best Co-Branded Cards for Teen and Young Adult Fashion Brands Walk through the teen fashion aisle expecting a wall of store credit cards and you will be surprised: it is mostly loyalty apps. The brands that dominate young adult wardrobes — Hollister, H&M, PacSun — have largely skipped co-branded credit cards in favor …