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  L.L.Bean Mastercard Credit Card

L.L.Bean Mastercard Credit Card

in Personal Credit Cards from Citibank

Unaffiliated

L.L.Bean Mastercard Credit Card

Unaffiliated

in Personal Credit Cards from Citibank

SuperMoney Net Recommendation Score -76

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -76, equating to 1.5 on a 5 point rating scale.

-76

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

2 users recommend
0 users are unsure
15 users don't recommend
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Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 14.99% - 23.99%
Balance Transfer APR  (Variable APR) 14.99% - 23.99%
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 17

L.L.Bean Mastercard Credit Card Review

This is a store cashback credit card issued by Citibank. If you're wondering whether L.L. Bean credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 4%.
  • Competitive APRs. L.L.Bean Mastercard Credit Card has a variable purchase APR that ranges from 14.99% up to 23.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your 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
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • L.L.Bean Mastercard Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • 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

Does L.L. Bean credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does L.L. Bean credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 23.99%. It also has a variable cash advance APR of 25.24% .

Does L.L. Bean credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does L.L. Bean credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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 credit card have a foreign transaction fee?

L.L. Bean credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for L.L. Bean credit card?

The L.L. Bean credit card customer service number is (800) 950-5114.

What is the support contact email for L.L. Bean credit card?

The support contact email for L.L. Bean credit card is customer.help@citi.com.

How do people rate the customer service and user experience of L.L. Bean credit card?

Overall, L.L. Bean credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Citibank

Citi works tirelessly to provide consumers, corporations, governments and institutions with a broad range of financial services and products. We strive to create the best outcomes for our clients and customers with financial ingenuity that leads to solutions that are simple, creative and responsible. Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities.

Enjoy faster checkouts, purchase history and more with an llbean.com account.

Message From Our Editor

What we love about the L.L. Bean Credit Card

The L.L. Bean credit card is a store-branded credit card that you can use at other retailers. The card offers strong rewards for loyal L.L. Bean shoppers, bonus rewards on L.L. Bean purchases L.L. Bean Outdoor Discover school, at gas stations and restaurants. You’ll get your rewards in the form of Bean Bucks that you can redeem toward L.L. Bean merchandise.

Beyond rewards, the L.L. Bean credit card offers additional perks. For example, you can get free shipping on purchases that you want to return and free monogramming services. Cardholders also get exclusive discounts and rebates.

What could the L.L. Bean Credit Card do better?

The drawback of the L.L. Bean credit card is that its rewards are restrictive. You can only use the rewards you earn toward L.L. Bean merchandise. Other credit cards, like cash back cards, offer more flexible rewards that you can use anywhere.

The card also lacks a sign up bonus. Many retailers offer a small bonus like a discount on your first purchase if you sign up for a card.

The L.L. Bean credit card also has stricter credit requirements compared to many retailer cards, which can make qualifying difficult.

L.L. Bean Credit Card’s backstory

L.L. Bean is a private retail company founded in 1912. The company focuses on clothing and outdoor gear like boots. The company began offering the L.L. Bean credit card to help people finance their purchases and earn rewards.

The Verdict

If you’re a dedicated L.L. Bean shopper the L.L. Bean credit card is a great way to get perks and earn rewards toward your next purchase. If you only shop at L.L. Bean occasionally, there are better rewards cards out there.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Eligible In-Store Purchases 1% - 4%
Every Purchase (Points) 1% on all other purchases
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee $40
Late Fee Amount $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • 1x - 4x Points on Retail
  • 2x Points on Gas
  • 2x Points on Restaurants
  • 1x Point on Every Purchase
  • 1x - 4x Points on In-Store Eligible Purchases
Cash Advance APR (Variable APR) 25.24%
Balance Computation daily balance (including new purchases)
Purchase APR (Variable APR) 14.99% - 23.99%
Balance Transfer APR (Variable APR) 14.99% - 23.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Cashback
  • Store Card
Card Network Visa

L.L.Bean Mastercard Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -76, equating to 1.5 on a 5 point rating scale.

-76

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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