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  L.L.Bean Mastercard Credit Card

L.L.Bean Mastercard Credit Card

in Personal Credit Cards from Citibank

Unaffiliated

L.L.Bean Mastercard Credit Card

Unaffiliated

in Personal Credit Cards from Citibank

SuperMoney Net Recommendation Score -73% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

2 users recommend
0 users are unsure
13 users don't recommend
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Highlights
Highlights
Community Rating Strongly not recommended
Balance Transfer APR  (Variable APR) 16.24% - 22.24%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 15.49% - 21.49%
Number of Reviews 15

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 a rewards rate of up to 10x.
  • Competitive APRs. L.L.Bean Mastercard Credit Card has a variable purchase APR that ranges from 15.49% up to 21.49%.
  • 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 10%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does L.L.Bean Mastercard Credit Card have a signup bonus?

L.L.Bean Mastercard Credit Card doesn't offer a cash signup bonus.

Does L.L.Bean Mastercard Credit Card offer an annual loyalty bonus?

L.L.Bean Mastercard Credit Card doesn't offer a cash loyalty bonus.

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 15.49% up to 21.49%. The card has a variable balance transfer APR that ranges from 16.24% up to 22.24%. It also has a variable cash advance APR starting at 26.74% .

Does L.L.Bean Mastercard Credit Card have an introductory APR offer on balance transfers?

No, L.L.Bean Mastercard Credit Card does not come with an introductory APR offer for balance transfers.

Does L.L.Bean Mastercard Credit Card have an introductory APR offer on new purchases??

L.L.Bean Mastercard Credit Card does not offer an introductory rate on new purchases.
L.L.Bean Mastercard Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

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 have a foreign transaction fee?

L.L.Bean Mastercard 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 a foreign transaction fee.

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 score.

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.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Paper Statement Fee $0
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee $37
Late Fee Amount $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Rewards
  • Store Card
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
  • Gas
  • Restaurants
  • Retail
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation daily balance (including new purchases)
Purchase APR (Variable APR) 15.49% - 21.49%
Balance Transfer APR (Variable APR) 16.24% - 22.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

L.L.Bean Mastercard Credit Card Community Reviews

 

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