Overview

Who is the L.L.Bean Visa Card Designed For?

The L.L.Bean Visa Card is designed for people with good credit who use L.L.Bean's outdoor and clothing catalog regularly looking for a rewards card with low rates and no annual fee.

What are the Rates?

This card has an rate ranging from 15.49% APR to 21.49% APR, depending on credit, which is pretty low for a store credit card. There is no introductory rate for balance transfers and cash advances have a 26.74% APR. On the bright side, it doesn't have a penalty rate to worry about.

What Are the Fees?

There is no annual fee, which is standard for a store card, but there are the standard fees for balance transfers ($5 or 3%, whatever is greater) and cash advances ($10 or 5%). It also comes with a 3% foreign transaction fee, which is to be expected from a store loyalty card.

What Is the Rewards Program Like?

L.L.Bean has one of the most generous store rewards programs available. Every dollar you spend at L.L.Bean outdoor discover schools comes with a 10% cash back; L.L.Bean catalog purchases have a 3% cash back and all other purchases get 1%. Once cardholders earn $10 in cash back, they automatically receive an L.L.Bean gift certificate. Cash back rewards expire after 12 months.

What about the Signup Bonus?

L.L.Bean's Visa Card doesn't have a signup bonus but it makes up for it in store benefits.

Any Other Benefits?

L.L.Bean Visa cardholders receive free shipping, including return shipping, free monogramming on purchases and access to special offers.

How Is It Better Than Other Credit Cards?

L.L.Bean Visa cardholders combines low rates and no annual fee with a high rewards rate and generous shopping benefits. The free shipping and monogramming on purchases made with the card at L.L.Bean are reasons enough to get the card, even if you only shop at the store occasionally.

As far as store cards go, this is one of the best. However, it also has more stringent credit requirements than most store cards, the points you earn can only be used on L.L.Bean purchases and expire after a year.