Last Updated: 07/28/2025
SuperMoney User Recommendation Score -76
Strongly not recommended25 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
17.24% - 26.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.24% - 26.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
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 Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 4x.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of L.L. Bean credit card
| The Good | The Bad |
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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.
| Description |
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?
L.L.Bean Mastercard Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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% .
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $40 . Does L.L. Bean credit card have a foreign transaction fee?
L.L. Bean credit card charges a foreign transaction fee of up to 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 customer service number for L.L. Bean credit card 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 to the following credit bureaus:
- 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 build your credit.
Does Citi® perform a hard credit pull?
Yes, L.L. Bean credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for L.L. Bean credit card
- Visit the website of L.L. Bean credit card.
- 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 L.L. Bean credit card
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM
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Other Credit Cards from Citi®
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$99
Purchase APR
20.49%
Disclaimer popup with additional information
Balance Transfer APR
20.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0 - $59
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -76, or 1.5 on a 5-point rating scale.
-76
-1000+100
No one recommends
Everyone recommends
L.L.Bean Mastercard Credit Card Community Reviews
Would you recommend L.L.Bean Mastercard Credit Card to your friends?
U
Anonymous
Sep 19, 2023
May or may not recommend
Highest interest rate of any card I've ever owned, no 0 APR introductory period, and they began hassling me that I'm not using their card just days after I spent $1000.
MC
Mary C.
Sep 1, 2023
May or may not recommend
No reason other than their algorithm determining a of lack of credit history? Maintain high balance in checking, pay any balance immediately, have no debt, have an 800+ credit score rating, more than adequate income to qualify. This is insulting and discrimination to a senior.
U
Anonymous
Jul 12, 2023
May or may not recommend
Terrible customer service. It was nearly impossible to get to a real person in the first place - the automated phone maze gives no option for that, and saying "agent" doesn't help. Both people I talked to simply read from prepared scripts rather than try to help me with my problem - and they would charge ahead with their spiel talking over me incessantly. I finally asked ...Show More
JK
J K.
May 21, 2023
May or may not recommend
I have been reading reviews post about the LLBean Mastercard. There are many concerns about customer service being unhelpful, internal processes not up to date compared to other providers, and lack of transparency in handling day to day customer activity.
The rating comparison is most interested in "benefits of the card". Benefits do not make up for poor customer service, which includes dated processes and lack of concern ...Show More
MS
Martha S.
Apr 10, 2023
May or may not recommend
Absolutely terrible customer service regarding a disputed claim. Everything goes through snail mail. I mailed in the required documents and they couldn't find them. When they did, I was told I had already received the merchandise, which I did not. After more phone calls I was told to write a letter requesting I reopen the case. What a joke! There is something a bit faster called emails. What a ...Show More
PF
Paul F.
Dec 1, 2022
May or may not recommend
1. The representative barely spoke English and added to the problem.
2. I disputed a charge and they asked for information that was already given. They gave me 10 days to respond by letter dated 8 days ago making it impossible to meet the time frame.
3. I sent a letter answering all previously answered questions with 20 pages of documentation
4. They rules against me by letter dated BEFORE reviewing my ...Show More
NB
Nolan B.
Nov 29, 2022
May or may not recommend
I've never had any real problems with it. It's easy to use with easy access to online statements and there's a great point redeeming system.
U
Anonymous
Apr 5, 2022
May or may not recommend
Credit Card Customer Service is terrible! They have no patience and understanding. With technology that are upgrading, why are they asking us to Fax the dispute documents when we can just scan and email? What type of customer service is this? Very disappointing.
U
Anonymous
Nov 8, 2021
May or may not recommend
I was an LLBean master card holder for many years. A few months ago, the card was canceled for " lack of use". I re-applied as I wanted to place an order at LLBEAN and get free returns if needed and I was denied. My credit report is in the excellent category. I never carry a balance. Very ...Show More
KA
Karan A S.
Oct 16, 2021
May or may not recommend
The biggest complaint I have is that they do not list the pending charges. The 2nd biggest complaint is they do not notify me for any unusual charges. I have rarely charged more than $200/$300 a month for the last year. Yesterday (early am) my daughter, with my ok, charged my granddaughter's braces on this card for more than $2300. With every other credit card I have or ...Show More
U
Anonymous
Aug 8, 2020
May or may not recommend
I have held an LL Bean account for over 10 years. I received a letter stating that my card would not be renewed due to my loan to balance ratio - they reviewed my credit. I have no delinquencies with LL Bean. With the exception of student loans, I do not have any other credit card balances.
EH
Evan H.
May 4, 2020
May or may not recommend
WORST WORST WORST customer service EVER!!!
Ok, stuck and in quarantine in Spain, thought I would do the right thing and pay my LL Bean MC in full, almost two weeks and I still don’t have any available credit, the funds have cleared, they have taken all my cash but are not giving me my available credit, they need to hold it for some reason.
I wrote them 20 times explaining that ...Show More
WP
Wendy P.
Feb 10, 2020
May or may not recommend
terrible customer service!!!!!!!
I used the LLbean card for 10 years... the payment receipt came back as a fradulent account. I called instantly within 5 min of the transaction and they would not reverse or look into it. If I was LLbean I would not be using them for my cc processing. I cancelled, closed and payed off my card immediately and will not use or apply to have an LL ...Show More
U
Anonymous
Dec 4, 2019
May or may not recommend
They are just are poor to work with, customer service for visa was much better
U
Anonymous
Jul 16, 2019
May or may not recommend
No online feature to add travel alerts. Website is not user friendly. Customer Service associates are rude.
U
Anonymous
Mar 24, 2019
May or may not recommend
I had trouble right away with the way monthly balances are paid...I made a purchase, received the item, and it was returned. Because the monthly statement including the item had already been sent out (it was the only thing on the statement) and the item had been returned, the auto payment paid the amount even though I had a credit balance at that time! The CSR I spoke ...Show More
DA
D A.
Dec 5, 2018
May or may not recommend
Zero Stars. LL Bean Citibank withdrew $ 7,555 out of my bank account and wouldn't give the money back. I only owed them $ 3700. They duplicated my payment to no fault of my own. My checking account was beyond empty and Overdraft Protection had to be employed. I had to dip into my savings to try to cover this horrible mess. This was entirely the fault of Citibank. No ...Show More
KH
Kim H.
Nov 12, 2018
May or may not recommend
My parents had this card and they are now both in a dementia unit. My brother is POA and was trying to use their card to make their facility payments. They will NOT allow him to do ANYTHING even with the POA that TDBank approved. They are IMPOSSIBLE to work with. But they continue to charge late fees and then won't let us fix the ...Show More
KS
Karan S.
Aug 10, 2018
May or may not recommend
I am back to update my review as I said. I would recommend this card. Most of the issues have been resolved. The only issue I have now is pending charges are still not shown. They are finally reporting to the credit bureaus and my credit score has returned to its former numbers. PS it is still not as good as the llbean Visa from Berkeley Bank. ...Show More
Jio S.
Aug 6, 2018
May or may not recommend
I have had no problem with the card it's very flexible
Showing 20 of 25 reviews
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