L.L.Bean® Visa® Card

If you like to shop for outdoor clothing and equipment, the L.L. Bean Visa card offers some great rewards for shopping at the store.

Just for having the card, you get exclusive sales and special offers at L.L. Bean, as well as free shipping on returns. You’ll also get free monogramming for any L.L. Bean clothing you buy with the card.

This is a store-branded card. You may be able to get better rewards and terms with a general-use reward credit card instead.

Learn more about reward credit cards
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  • Rewards
    • Earn 10% for every $1 spent on L.L. Bean Outdoor Discovery Schools
    • Earn 3% for every $1 spent on purchases made at L.L. Bean
    • Earn 1% for every $1 spent on all other purchases
  • Signup Bonus None
  • Chip Technology Chip-and-Signature & Chip-and-PIN
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 14.24%, 17.24% or 20.24% *Variable
  • Cash Advance APR 25.49% (Variable)
  • Penalty APR See Terms
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Exclusive Sales and Special Offers

    You’ll receive cardmember-only discounts and sales at L.L. Bean.

  • Free Monogramming on L.L. Bean Products

    Customize your purchases by getting a free monogram. Each line normally costs $8.

  • Free Returns on L.L. Bean Orders

    You’ll get free regular shipping on eligible returns.


  • Fraud Protection

    Cardholders aren’t held responsible for unauthorized transactions.

  • 24/7 ID Theft Resolution Services

    Help resolving identity theft if it happens to you.

  • Chip-and-Signature and Chip-and-Pin Technology

    This card has EMV technology for added security when making purchases. Learn more about EMV technology »


  • Global Services

    Provides 24/7 help with travel emergencies; includes emergency card replacement, cash advances, and more.

  • Auto Rental Collision Damage Waiver

    Collision damage and theft are covered on most cars in the U.S., as long as you purchase the rental with your card and decline the rental company’s own insurance.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by Anonymous
Not Recommened

I've been a LLBean visa card holder for 6 years. I do not recommend to apply for this card for two reasons. 1) There's no satisfaction guarantee. There's no way for you to dispute online, and get a refund instantly, like what other credit card companies offer. I had to dispute a $80+ charge on my account, had to put it in writing, wait to receive a response in writing, if the merchant decline to refund, LLBean visa will not give you back a penny. 2) Frustrating dealing with Customer Service. I have no delinquency in my entire credit history, the credit bureau confirmed it. I have a credit score of 810+ and decent annual salary. They denied my request of credit line increase, reason of denial is "delinquency too recent". I spent overall 2+ hours on the phone with them. They got confirmation from the credit report company too that I do not have delinquency. It's obvious a mistake on their end, they did not admit it, did not apologize, and could not review and reconsider their decision. I applied for a Visa Card from another company after I got disappointed with LLBean Visa, the first card that I received from another company offered me a higher limit than what LLBean Visa gave me. I've stopped using the card, hopefully will never need to deal with them again.

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