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 great rewards for shopping at the store: 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
  • Free shipping, and free return shipping
  • Free monogramming
  • Cardmember-exclusive offers and discounts
  • No annual fee
  • 15.74–21.74% 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 and 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 15.74% or 21.74% 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 15.74% or 21.74% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.99% 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.

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:  
 37 reviews
by Sally
LL Bean Mastercard

We already have 2 other Mastercards, so we didn't need another one.We do not like receiving credit cards that we didn't apply for. The LL Bean Visa was accepted at Costco so I was able to gather alot of LL Bean rewards. Can't use a Mastercard at Costco. Also the last few items I have bought from LL Bean were of poor quality and the sizing was not correct. I haven't used the Mastercard even once!

by LJB
Sneaky Payment Limit

This card is terrible. A limit of five payments you can make in a billing cycle. Never heard of such a thing and this is a scam. Prevent you from paying off your card so that they can continue to rack up interest charges. When I inquired about it, I was told by customer service that it was to prevent fraud. As if there is a fairy going around paying off people’s credit card bills. I wish! I have also spent at least $2000 and have seen no Bean Bucks. The old system with the Barclays Visa was much faster and I could use my rewards quicker. As soon as they will let me pay off my credit card, I will be closing my account. This is a total scam. Bean will lose some loyal customers over this card debacle. Also it is very hard to reach their customer service people. Had to give my ssn twice and go through a long menu for an option to speak to someone. People don’t have time for this kind of BS.

by Ann
Poor customer service

My husband's wallet was pickpocketed in France in November, so we called the number on the back of the card immediately to alert them of this. We did receive a new card after we arrived home but the fraudulent charges were still on the bill. I called again and was told that nothing had been done towards removing the charges and I would have to fill out an affadavit in regard to those. I am still waiting for that to arrive. Called customer service today (Saturday), to see why I had not received the form yet and was told that I had to speak to someone in Security Operations and they were only in Monday - Friday. We also had another card stolen, which was from Bank of America, and the card has been replaced and the fraudulent charges credited to our account in less than 2 weeks. Will not be using the LLBean card once everything is cleared.

by Jennifer
Unavailable for 24-hours during

Peak online shopping season, and i can't use my card for 24 hours due to systematic "CVV update"? Never heard of such a thing.

by Amato
They WITHDREW ALL THE MONEY from my Bank Account and didn't care

Zero Stars. LL Bean Citibank withdrew $ 7,555 out of my bank account and wouldn't give the money back. I only owed them $ 3700. They duplicated my payment to no fault of my own. My checking account was beyond empty and Overdraft Protection had to be employed. I had to dip into my savings to try to cover this horrible mess. This was entirely the fault of Citibank. No matter how many times I called, no one acknowledged this significant error nor did they fix the problem. They owed me a refund of $3777.92. I received partial refund of $580. I contacted LL.Bean on multiple occasions, via phone and email, and they did nothing to fix this problem. When I was forced to close my account because they wouldn't refund me, Citi deleted some of my rewards! Really?!! I earned those rewards and none of this was my fault I was a customer for decades . . . not anymore. This was a fatal error on the part of LL Bean Citibank. Good Riddance! (Account 4985)

Page 1 of 8:

The Insider

Michelle Black
Credit Locks vs. Credit Freezes — What’s the Difference?
Michelle Black | Jan 21, 2019

What's the best way to protect your credit reports from identity thieves? Is a credit freeze or a credit lock the way to go?

Read More
Susan Shain
Here’s the Best Credit Card for Groceries, Plus 6 Runners-Up
Susan Shain | Jan 14, 2019

We combed the fine print to crown the best grocery credit card in all the land. We name six runners-up for different types of grocery shoppers, too.

Read More
Michelle Black
How to Place Fraud Alerts on Your Credit Reports
Michelle Black | Jan 04, 2019

Fraud alerts are protective measures you can take to help prevent identity theft, requiring companies to verify your identity before extending new credit.

Read More