L.L.Bean Mastercard

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.

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Quick View

Quick View

  • Rewards
    • 4% cash back at L.L.Bean
    • 2% cash back at gas stations and restaurants
    • 1% cash back for all other purchases
  • Signup Bonus Save 15% on your first purchase from L.L.Bean on the day you're approved (for online instant approvals only)
  • Chip Technology Chip-and-Signature & Chip-and-PIN
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 15.74% or 21.74% Variable
  • Cash Advance APR 26.99% 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 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.


The L.L.Bean Mastercard may come with the following benefits.

  • 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.


The L.L.Bean Mastercard may come with the following benefits.

  • 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.


  • 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.

Visitor Reviews

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

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Average rating:  
 4 reviews
by angie brock

Poor customer service. High rate. Untrustworthy. Do not help consumers.

by Julie ross
Poor customer service

Christmas, an exciting time for children as well as adults. Small window to order online for quick sell out items. Not once, three times fraud prevention flags purchase! I go to reorder after answering all the questions. My orders are canceled, lost the merchandise and now my limit is gone! 5000.00 limit, made three payments of 4500.00 in Dec I am obviously using this card for large Christmas purchases. I am so angry, I think it's time for the shredder

by Stuart
Amazing Customer Service

There are so many credit cards out there that sometimes we forget the main reason for having a card is to safely make purchases either in person or online. When you have a problem, the true value of the card is what you need to look at.My father-in-law has dementia. He also is very computer illiterate. He purchased a Microsoft Surface (tablet) as his computer. It didn't take long before he started getting pop ups telling him he had a virus to click on a banner and call the number to have it fixed. I do believe that these scammer companies (Geeks, A&M Tech and others) sell their sucker list to each other because within a 2 week period there were almost $2000 worth of charges on his LL Bean card to these scam companies who all said they would fix his computer.The customer service staff at LL Bean has been working with us to get these charges refunded. There have been quite a few calls between them at Barkley Bank (The bank that services the card) and us. Everyone we have spoken to there has been extremely nice, they have all supported us so well and have been able to get all of the charges reversed.I am going to now open a new LL Bean credit card for me because I know that in a pinch they have my back. My wife and I are extremely grateful for their support and efforts.

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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