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L.L.Bean® Mastercard® card

L.L.Bean® Mastercard®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Good / Fair
Card network
Mastercard
Regular purchase APR
19.74% to 28.74% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The L.L.Bean® Mastercard® is a low maintenance, no annual fee retail card issued by CitiBank. Outdoor enthusiasts will earn Bean Bucks on every purchase and enjoy free shipping, free returns, and free monogramming.

Our review of the L.L.Bean® Mastercard®

If you’re an outdoor enthusiast, the L.L.Bean Mastercard could be the perfect addition to your gear. This credit card allows you to earn “Bean Bucks” on everyday purchases, which can be used towards L.L.Bean merchandise. Not only does the L.L.Bean® Mastercard® have no annual fee, but it also offers rewards on popular categories and exclusive perks for online shopping.

Signup Bonus & Introductory Offers

The signup bonus for the L.L.Bean Mastercard may not be the most exciting, but newly approved cardholders will receive a one-time coupon for 15% off an L.L.Bean purchase. To make the most of this bonus, make sure to have items in your shopping cart before applying for the card.

How to Earn Bean Bucks

Bean Bucks are the currency of L.L.Bean’s rewards program, with each Bean Buck being worth $1 USD. You can earn Bean Bucks on every purchase, with different categories earning different percentages. For example, you can earn 4% back at L.L.Bean, 2% back at restaurants, 2% back at gas stations, and 1% back on all other purchases.

Redeeming Bean Bucks

Redeeming Bean Bucks is easy and straightforward. You can use them to reduce the total price at checkout for L.L.Bean merchandise. Each Bean Buck is worth $1 and can be applied for full or partial payment online or in-store.

Other L.L.Bean Perks

In addition to earning rewards, cardholders also enjoy perks such as free shipping to the continental U.S. and complimentary monogramming on eligible items.

Should You Apply for the L.L.Bean® Mastercard®?

The card is most valuable for current L.L.Bean customers who shop online frequently and can benefit from the free shipping perk. Overall, this card is low maintenance and worth considering for those who make regular purchases at L.L.Bean.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 4% back at L.L.Bean
  • 2% back at restaurants
  • 2% back at gas stations
  • 1% back on all other purchases
  • Free standard shipping & returns
  • Free monogramming

Who this card may suit

  • You shop at L.L.Bean at least every two years
  • You primarily shop at L.L.Bean online and/or spend less than $50 per purchase
  • You don’t live near a physical L.L.Bean location or prefer doing your shopping online

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR19.74% to 28.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR19.74% to 28.74% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $40
Return Payment Penalty FeeUp to $40

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.

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L.L.Bean® Mastercard®

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