L.L.Bean Mastercard


For People with
Good Credit

REVIEWS

Reviews

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

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 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.

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Average rating:  
 30 reviews
by Susan Hill
Citibank Mastercard Ended My Thirty Year Relationship with LLBean

The incompetence and arrogance of the representative at Citibank was unusually annoying. A Citibank employee who refused to provide his name or city location, willing to identify himself only as Ryan in Maryland, a representative of the management team, employee number 1RR, informed me that nothing could be done to correct a technical problem which prevented my purchase. He advised me that no one could correct it, and I could speak to no one else at the bank.

by Sarah
New card is a step down

The LL Bean transition to mastercard is a terrible step down. Sure, you get Bean Bucks that roll over, but the Citi bank service is terrible and they fraud detection is overly cautious -- shutting down your card regularly if you use it more than a few times. For more than a decade it was my only card, but now I'm forced to get something more user friendly.

by John
Weak on payments / No App

I would like to be able to make more than 4 payments within a month and CitiBank doesn’t allow this with the LLBean MasterCard. Pretty limiting if you want to stay on top of your expenditures. It would be great to have an App as the LLBean Visa had and as CItiBank has for their own cars. I emailed them about this an its a now go. Pretty 2005...

by Lulu Anderson
Follow up on my last review

I called customer service and Adam helped me out with my problem. He was very patient and walked me through the website. I was not authorizing my payments...it was not showing up properly on my Droid. So I now see why my payments were not recorded. He took off my late fee and interest charges....thank you Citibank I now understand the website and appreciate the understanding!! All is well. From now on I will call customer service with any problems!!

by Lulu Anderson
Not pleased

I have a problem with the web site. I really feel that I scheduled a payment for October. I kept getting texts reminding me to pay but I figured that they send these out to everyone...so I didn't check...then on the 22nd I get a text that says I'm late...perhaps my fault but I truly recall setting up a payment...of course I have no proof. I will save everything now. I do like the text reminders...even tho I thought I scheduled a payment. That happened before in July...and they did credit me the late fee and interest charges. So...my issue may have been my fault...from now on I will check!! I will do auto pay now that my account is paid up. I am hoping they responded to my email to them that I need to have my online account update what I actually owe in Nov...last time it never removed the amount my payment paid... have been experiencing good customer service.

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