L.L.Bean Mastercard Credit Card

L.L.Bean Mastercard Credit Card Review

This is a store cashback credit card issued by Citi®. If you're wondering whether L.L. Bean credit card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a maximum cashback rewards rate of up to 4x.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 26.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. L.L.Bean Mastercard Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of L.L. Bean credit card

The Good	The Bad
No annual fee. Identity Theft Protection. Cardholders can earn rewards on their purchases. L.L.Bean Mastercard Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. You need good credit to qualify. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Charges a 5% balance transfer fee. Does not include many credit card benefits.

L.L. Bean credit card FAQ

Does L.L. Bean credit card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 4% for purchases in a bonus category.

L.L. Bean credit card Rewards

Minimum rewards rate	1x
Max rewards rate	4x
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the L.L. Bean credit card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for L.L. Bean credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

L.L.Bean Mastercard Credit Card has a variable purchase APR that ranges from 17.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 17.24% up to 26.24%. It also has a variable cash advance APR of 25.24% .

What are the fees for L.L. Bean credit card?

The following fees apply:

• There is no overlimit fee

L.L. Bean credit card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$40
Late Payment Fee	$40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does L.L.Bean Mastercard Credit Card report your account activity to credit bureaus?

Yes, L.L.Bean Mastercard Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for L.L. Bean credit card

• Visit the L.L. Bean credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.