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)
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Balance Transfer APR (Variable APR)
17.24% - 26.24%(Verified 06/21/2024)
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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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
What is the login page for L.L. Bean credit card?
You can access the login page of L.L. Bean credit card 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 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.
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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