L.L.Bean Mastercard Credit Card Review

L.L.Bean Mastercard Credit Card is a store rewards credit card issued by Citibank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether L.L.Bean Mastercard Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of L.L.Bean Mastercard Credit Card

The Good	The Bad
Lower than average purchase APRs. No annual fee. Cardholders can earn rewards on their purchases. Earn rewards on every purchase. L.L.Bean Mastercard Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Does not include many credit card rewards.

Is there a L.L.Bean Mastercard Credit Card cash back or rewards program?

L.L.Bean Mastercard Credit Card offers a rewards program to its customers.

L.L.Bean Mastercard Credit Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	10%
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the L.L.Bean Mastercard Credit Card benefits?

L.L.Bean Mastercard Credit Card provides the following benefits:

• Zero fraud liability
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for L.L.Bean Mastercard Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. L.L.Bean Mastercard Credit Card has lower than average purchase APRs.

L.L.Bean Mastercard Credit Card has a variable purchase APR that ranges from 15.49% up to 21.49%. The card has a variable balance transfer APR that ranges from 16.24% up to 22.24%. It also has a variable cash advance APR starting at 26.74% .

L.L.Bean Mastercard Credit Card Balance Transfers

Description
Balance Transfer APR	16.24% - 22.24%
Introductory Rate	N/A
Intro APR period (months)	N/A

L.L.Bean Mastercard Credit Card Rates & Terms

Description
Balance Computation	daily balance (including new purchases)
Purchase APR	15.49% - 21.49%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	Starting at 26.74%
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the L.L.Bean Mastercard Credit Card fees?

The following fees apply to L.L.Bean Mastercard Credit Card:

• There is no overlimit fee

L.L.Bean Mastercard Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$37
Late Payment Fee	$37

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

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 can help improve your credit score.

How to apply for L.L.Bean Mastercard Credit Card

• Visit the L.L.Bean Mastercard 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.