L.L.Bean Mastercard Credit Card Review

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

Key takeaways:

• Generous reward rate. You will get a cashback rewards rate of up to 4%.
• Earn 1% cash back on everyday purchases.
• Competitive APRs. L.L.Bean Mastercard Credit Card has a variable purchase APR that ranges from 13.99% up to 19.99%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. L.L.Bean Mastercard Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• 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 should probably try with another card if your credit score is below 700.

L.L.Bean Mastercard Credit Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. No annual fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. L.L.Bean Mastercard Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Requires good to excellent credit. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee. 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	4%
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 13.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%. It also has a variable cash advance APR of 25.24% .

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

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%
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.

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.