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:  
 55 reviews
by Ellen
Worst card

I opened a credit card several months ago and set up an automated payment. The automated payment did not work and I did not check the account (my fault). As a result, I missed a payment and was charged past due fee. So I paid the statement and a couple of days later decided to close the account. Turned out that they overcharged me on the statement an extra past due amount (which is ridiculously high), but credited it minus the service fee (which is another hidden rip off). Lesson lerned. I will never shop in LLBean again.

by Deborah
No, no, no!

No, no, no!!! I have been a card holder for at least 12 years and the experiences with Citi customer service has been awful. And for the “Pro Citi” troll who keeps saying ‘reconsider’ you are wrong, wrong, wrong!!! Repeatedly various charges have been declined for suspicious activity when they are far from it, like regular phone payments to my cable company. And then when I try to rectify it customer service flubs it up again. One phone call should fix it but it never does. I even had one person tell me I had to speak to the fraud department but they weren’t open and I had to call back during regular hours! What?!?! And this didn’t just happen once. My favorite was when I got an automated call asking if I recognized a $82 purchase when the purchase was actually $82.74. My only choice was yes or no so I had to say no because it didn’t say the actual amount. After several phone calls to customer service about this mix up they admitted that the automated call should probably say the exact amount but at this time only gives a full dollar amount!!! Really? In this day and age when we all have to be on top of our game Citi certainly isn’t.When it was Barclays I never had a problem. They were always on top of real fraudulent activity 24 hours a day. With a pleasant, concerned sounding phone call, and an instant fix with a new card in the mail.I love LL Bean but I hate their decision to go with Citi.

by BEB

Today was the first time I used this site for help—wanting to make sure I wouldn’t get fraud alerts on my card during a vacation—the site would not let me send a message with punctuation, nor could I edit. Ugh. I also reallllly dislike the new Gift cards that are sent for returns. Payments remain easy, tho. Crossing fingers for trip.Reading the reviews below, I think I’ll have to stop using llbean card (used as main card for 20 years plus) and start using the other. Barclay’s was so good!

by Ricardo
Terrible Customer Service

I recently made a complaint against a company (Action Rental) for wanting to force me to pay for a service they never gave me and for not having informed me of the company's policy at the time of contracting the service. LL Bean did absolutely nothing to defend me as a client saying I had to pay for the balance. After several years using the credit, not having paid late and being an excellent client, Citibank treated me without any consideration or respect. I decided to cancel the card since I was not offered any guarantees.It took me 5 minutes to recover my money after threatening Action Rentals to make this site public, the manager told me that they had never received any LL Bean request requiring the money back. Citibank is bad news for the clients and the attitude of their representatives is rude, rude and stupid.Actually a donot have my credit card and probably they damage my excellent credit for their stupidity.

by laura

The Worst. Nothing but fraudulent charges on my card since switch to MasterCard. Not to mention lackadaisical customer service. I could handle the later if it wasn't for the former, and after 25 yrs holding llbean card, I'm cancelling.

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