L.L.Bean Mastercard

For People with
Good Credit



If you like to shop for outdoor clothing and equipment, the L.L.Bean Mastercard offers some solid rewards: 4% cash back at L.L.Bean, with 2% back at gas stations and restaurants.

The rewards you earn will be in the form of Bean Bucks. Bean Bucks won’t expire as long as you use your card at least once every 24 months.

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.

As of July 2018, the L.L.Bean Mastercard is issued by Citi. It was previously issued by Barclays as part of the Visa network, as the L.L.Bean Visa Card.

Since the switch to Citi, we’ve been seeing a lot of reports of problems using the card or dealing with customer service. You may want to review those comments before applying for this card.

Card Quick Facts

Card Quick Facts

  • 4% cash back at L.L.Bean stores
  • 2% cash back at gas stations and restaurants
  • 1% cash back everywhere else you shop
  • Free shipping, and free return shipping
  • Free monogramming
  • Cardmember-exclusive offers and discounts
  • No annual fee
  • 16.24%–22.24% Variable APR for purchases and balance transfers

For People with
Good Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 4% cash back at L.L.Bean
  • 2% cash back at:
    • Gas stations
    • Restaurants
  • 1% cash back for all other purchases
How to Redeem

Introductory Bonus

  • Save 15% on your first purchase from L.L.Bean on the day you're approved (for online instant approvals only)
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.24%–22.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR See Terms
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 16.24%–22.24% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.49% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 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 Shipping

    Free standard shipping for purchases from L.L.Bean.

  • 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 you become a victim.

  • Purchase Protection

    If an item you buy is broken or stolen, you may be eligible for reimbursement.

  • Extended Warranty

    Doubles the manufacturer’s warranty on eligible products, up to a maximum of one additional year.

  • Price Protection

    If you buy an item and then find it being sold for a lesser price, you may be eligible for reimbursement.

  • Travel Assistance Services

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

  • Master RoadAssist Service

    Call for help if you break down while driving, for services like towing and tire changes.

  • MasterRental Coverage

    Collision damage and theft are covered on most rental 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.

Submit your review

Create your own review

Average rating:  
 46 reviews
by Deborah Trauley
Dump this card

From day one of transition to this particular Mastercard through Citibank has been headache after headache and no amount of letter writing has made one iota of difference. I believe the entire company is made up of artificial intelligence robots that don't ever get checked up on by humans or_______to see if they are doing their jobs correctly--and they almost NEVER are. I have time and again received scary letters and emails saying that my bill is past due. I wrote to them on email ande at the end was told go back and take out all punctuation and capitalization. Okay, As an English teacher I resent this--plus they could have told me UP FRONT I was writing to a stupid robot who cannot decipher punctuation, caps etc. I had already sent payment in each instance where I was told I was past due. It s just not worth it. I also had a credit on my Visa which never transferred to the Mastercard and so I just cave up on LL Bean altogether and have stopped being a customer. Besides that my high end expensive LL Bean boots leak! I am OFFICIALLY DONE. I gave them one star just so they would process this letter.

by LarryBoston
No Quicken Download Available

I dont have a problem with LLBean. I've been an enthusiastic LL Bean customer since it was one old building, open all night so that the night staff could guard against fire in the old structure. The present LLBean credit card leaves a lot to be desired. My chief complaint is the card cannot be downloaded into Quicken and apparently has no plans to do so. I've reduced my card usage to a bare minimum so that I dont need to hand-enter income tax information into my Quicken account.

by DT
Beyond Disgusted

To Citibank regarding my LL Bean Mastercard:I have never paid a credit card bill late, or not in full, In my life. On February 25, 2019, I called in to process my payment of the full amount of the February statement of $1,062.61. I never pay the minimum payment. I pay my full balance every month, and have done so with every bill I have ever had, from anywhere, my entire life. The due date was March 1st. When I called, it appeared that there was a problem with payment processing over the phone. So, I connected to a customer service rep. who stated that there were "issues" that day with processing payments over the phone. So, she volunteered to try and process my over-the-phone payment herself. It was futile, and the payment did not process. She told me to call back after midnight, as the problem should be rectified. She assured me that the payment did not take at the time she tried. She assured me of this six times. So, I called after midnight, as I did not want my payment to be anywhere near late. A man in customer service assisted me this time. He tried to process my payment, and he said it satisfactorily processed during this second attempt. He assured me ten times that this was the only payment and that the prior attempt a few hours earlier did not do not go through. I was very concerned, as you would have taken close to $2,200 from my checking account, which I did not have as a balance. So, I foolishly trusted your company. Sure enough, two days later I find out that you took TWO payments of 1,062.61 from me. You overdrew my account, and caused a utility bill to be returned as NSF. I called your lousy company and had the misfortune to speak with Hannah, on your "management team" in Tennessee, who couldn't have been more disrespectful, rude, and unhelpful to me. I have never bounced a payment of any kind in 61 years of life. She told me basically to go to hell, and that I would not receive a refund of the approximately $1,100.00 that you have stolen from me, for close to one month. I demanded that this entire overpayment that YOU stole from me be immediately electronically transferred back into my bank account. She said I would not receive my refund quickly because there were approximately "three weeks of people" ahead of me waiting for refunds. Are you kidding me? This is all recorded, and you can feel free to listen to your own lousy tapes. I asked her who the head of CITIBANK is, and she said "I will not tell you. Go look it up yourself on Google". This is all recorded. I am suing you, and I have complained to LL BEAN about their transfer of their Barclay Visas to your bank. I will never do business with LL BEAN again, either, because of you. You are going to pay mightily for this. You have depleted my entire bank account by stealing my funds, and you couldn't care less. You are beyond despicable. I have now contacted my bank, and they are attempting to retrieve the extra payment from you. However, it could take up to ten days. I asked "Hannah" if she was willing to contact my bank and the utility company about what YOU had caused, through no fault of mine, and her answer was "this is your problem to take care of". You are going to have very big problems when I am done with you. Oh, and, by the way, just type in "LL Bean Mastercard & Citibank", and you will read about all of the others who have experienced what I have from your very sad company. I doubt you care at all. I am also submitting a criminal complaint with the the district attorney in MA. You are beyond pathetic.

by Lee
Terrible problems

The switch from Barclay to Citibank has been a total and complete disaster. First, I discovered that the security code would not work when I bought stuff online (just before Christmas, perfect timing). I called the bank, where I was told this was a known problem for a few cardholders and would not be fixed until January. I have recently tried to use it online again and it isn't fixed. THEN I tried to use it today in person, where the security code is not required, and the card was declined.I have spoken to LLBean customer service about the first problem. The representative was polite and concerned, but clearly nothing has been fixed. VERY DISAPPOINTED and I'm stunned that LLBean wants their name attached to this grossly inferior product. My rating would be negative if allowed.

by Ronda

Hopefully LLBean the company changes their credit card company soon. Terrible uncalled for problems and customer service did nothing to help me until after my third phone call to them! NOT the kind of customer service I expect and deserve as a long time Bean customer! Then they lost my Bean Bucks! Do not get a MasterCard from LLBean until a new bank takes over!

Page 1 of 10:

The Insider

Susan Shain
Alaska Airlines Credit Cards: The Amazing Perk You Need to Know About
Susan Shain | Mar 21, 2019

Learn about the pros and cons of Alaska Airlines credit cards — plus how to get a 2-for-1 airline ticket (also known as a companion fare).

Read More
Ellen Sirull
What Is a Credit Builder Loan? Another Way to Build Credit
Ellen Sirull | Mar 18, 2019

Credit builder loans are designed to help you build credit, providing a simple and easy way to establish a positive payment history on credit reports.

Read More
Michelle Black
Credit Score Ranges — Good, Bad, and Excellent
Michelle Black | Mar 14, 2019

You know your credit scores, but how do lenders view your credit? Learn about credit score ranges and see how you measure up.

Read More