
L.L.Bean Mastercard Credit Card
Would you recommend L.L.Bean Mastercard Credit Card to your friends?
Community Rating | Strongly not recommended |
Purchase APR (Variable APR) |
17.24% - 26.24% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
17.24% - 26.24% (Verified 08/04/2023) |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
Number of Reviews | 25 |
L.L.Bean Mastercard Credit Card Review
This is a store cashback card issued by Citi®. If you're wondering whether L.L. Bean credit card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a maximum cashback rewards rate of up to 4x.
- High APRs. This is not a great card for people who carry a balance. It has a variable 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.
- 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 |
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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. 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.
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. This card has higher 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?
The following fees apply:
- There is no overlimit fee
Description | |
---|---|
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee? | |
Annual Fee | $0 |
Minimum Interest Charge | $0.50 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 23 days |
Returned Payment Fee | $40 |
Paper Statement Fee | $0 |
Late Fee Amount | $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 (207) 552-3028.
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.
What is the L.L. Bean credit card login page?
You can access the L.L. Bean credit card login page here.
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.
Message From L.L. Bean credit card
Message From Our Editor
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 USA - (207) 552-3028
- Visit Site
- Email Support
Other Services by Citi®
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Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0.50 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 23 days |
Returned Payment Fee | $40 |
Paper Statement Fee | $0 |
Late Fee Amount | $40 |
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