Review
Citi L.L.BEAN® MASTERCARD® Review: Great rewards for L.L.Bean enthusiasts
If you're a Bean fan, the L.L.Bean® Mastercard® offers great rewards on every purchase. With no annual fee, find out if it's the right fit for your outdoor lifestyle.
| Annual Fee | $0.00 |
| 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. |
| Rewards Rate | 1%-4% Cash Back |
| Sign-up Bonus | 20% Off at L.L.Bean |
| 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, and the transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. |
Overview
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Rewards on purchases
Things to consider
- High regular APR
- Foreign transaction fees apply
- High balance transfer fee
- Limited rewards categories
Benefits
Drawbacks
Decision Guidance
Summary
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 signific...