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:  
 19 reviews
by Deborah
Had to close account

I'm very upset with LL Bean's choice to change from Visa to Mastercard. I was on electronic bill pay for years with 10 day warning/payment due and that stopped. I got one statement through the mail and that stopped. The card was hacked in July and I didn't find that out until September because I did not get an August statement.I think they have reversed the hack charges but I have to call the frustrating automated customer service 800 number and try and get a person to confirm.

by Carolyn Wakeman
Terrible, terrible credit card

I am not going to waste more time going into all the problems I have had with this card. I had the Visa card for years and never, never had a problem. If this month’s payment is difficult I will cancel this card. I will tell Bean about the difficulty I have had. Maybe they will go back to Visa!!

by Anna
Can't get previous llbean statements

I telephoned Citibank because I could not longer access my January through Auguist 2018 online statements that were on my llbean Barclay visa card. I need these to prove my doctor and hospital payments, etc. When I telephoned Citibank, I was assured that they will send them to me within a month. Two months later, I still haven't received them. I will therefore NOT activate my new llbean citibank card. Extremely, uncaring customer service.

by Rick
LLBean iPhone ap doesn't work, cannot purchase anything...the iPhone ap and the web site are out of synch

I registered my new Mastercard but the iPhone ap told me it was not registered. It also told me that the new Mastercard was in fact saved in my account! To sum ithings up, the llbean web site works OK from a browser, and I can order things; the iPhone ap won't let me add anything to my bag (even tho the cutesy graphic shows the item dropping into my bag). After more than 2 hours (of my life that I will never get back) talking to Citigroup Mastercard and LLBean, trying everything I could, deleting the saved card and adding it again, deleting the ap and reloading it... the only thing the customer rep could offer was to have someone more technical call me. I don't want to waste more time on this colossal screw-up by LLBean/CitiGroup, and told the rep that whoever called better not start from square one asking me to do everything that I've already done...

by John Paxton

Since you went with Citibank,. your customer service stinks.

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