Citi
L.L.BEAN® MASTERCARD®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 20% Off at L.L.Bean |
| Rewards Rate | 4% at L.L.Bean, 2% restaurants |
| Regular APR | As of 12/16/2025, the APR for purchases and the APR for balance transfers is 19.49% - 30.49% based on your creditworthiness and the APR for cash advances is 32.49%. These APRs will vary with the market based on Prime Rate. |
| Other Fees | The Minimum Interest Charge is $2.00. The cash advance fee is 5% of each transaction; minimum $10. The balance transfer fee is 5% of each transaction, minimum $10. The transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. |
| Network | Mastercard |
About this card
The L.L.Bean Mastercard presents a mixed bag of features that ultimately lead to a 'Fair' overall rating. Its primary strength lies in its targeted rewards for L.L.Bean enthusiasts, offering 4% back on purchases at L.L.Bean. However, several significant weaknesses detract from its overall value. The high APR range (19.49% - 30.49%) is a major drawback, making it a costly card for carrying a balance. The presence of foreign transaction fees and a high balance transfer fee further diminishes its appeal. While the absence of an annual fee is a positive, it is not enough to offset the other financial burdens. The card's reputation is also a concern, with numerous complaints about customer service, billing issues, and dispute resolution. While the 20% off sign-up bonus offers immediate value, the card's long-term value is questionable for those who are not frequent L.L.Bean shoppers. The limited rewards categories (2% at restaurants, 1% on other purchases) make it less versatile than other rewards cards. Considering the APR, fees, and reputation, the card's value proposition is weak for the general consumer. The overall assessment reflects the card's limitations and potential risks, particularly for individuals who may carry a balance or require reliable customer support.
Pros & Cons
What's great
- No annual fee
- Instant sign-up discount
- High rewards rate on store purchases
- Store-specific perks
- Rewards do not expire
Things to consider
- High regular APR
- No intro APR period
- Foreign transaction fees apply
- High balance transfer fee
- High cash advance fee
What this card offers
Sign-up bonuses
- Get 20% Off today at L.L.Bean upon approval with the L.L.Bean® Mastercard®
Rewards
- 4% at L.L.Bean
- 2% at restaurants
- 1% all other purchases
Other features
- Free Shipping
- Free Return Shipping
- Free Monogramming
- $0 liability on unauthorized charges
- It's Easy to Manage your Account Online Sign up for secure online account access. View your statements, pay your bill, set up alerts, view your Bean Bucks balance, and more.
- Cardmembers may receive exclusive offers
- Support for cardholders is available 24 hours a day, 7 days a week.
- 1-866-484-2614
- For TTY: Use 711 or other Relay Service
Additional Notes
1 Bean Buck = $1 savings on your future L.L.Bean purchases. Your Bean Bucks never expire as long as you keep using your card. You can apply for your L.L.Bean® Mastercard® online, in-store, or over the phone (call 800.221.4221).