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

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 (online instant approvals only)
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.99%–21.99% 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 None
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 15.99%–21.99% Variable
Balance Transfer Fee 5%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% 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:  
 59 reviews
by Linda Bastarache
Goodbye LL Bean Thanks to CitiBank

I received an alert from my credit monitoring service that my LL Bean Mastercard account had been closed. News to me! So I logged in to the website and sure enough. When I called CitiBank customer service, the rep couldn't have cared less. She confirmed what I suspected, that it was due to lack of use, and said that they'd mailed a letter a month ago, but I never received a letter. How about an email, too, or a second letter? Nothing she could do about it, so I spoke to a manager. Same deal and borderline rude about it. So, my credit score has taken a hit because I'd had an LL Bean card for so long that it was one of my oldest, but by the sound of some of the other reviews, they may have done me a favor by closing the account. Also sent an email directly to LL Bean customer service as well, though I don't really expect any help there either. Good luck, LL Bean. Hadn't shopped there much lately but won't be shopping there at all now.

by Very Disappointed with CitiBank
Unbelievable way to treat customer

We have had an LLBean credit card for 25+ years and never had a problem until this recent switch from Barclays to Citibank. My husband and I were on a 6-week summer vacation and sent a payment right before we left on 6/28/19 due 7/8/19. Today (8/14/19), I received a call saying we missed our payment due 8/8/19. I thought this was a courtesy call as the customer service rep asked if I wanted to make a payment. While I was thinking about which checking account to use, he began to pressure me by stating that my account is now "restricted" and will continue to be restricted until I make a payment. I apologized for missing the payment and understood there was a $37 late fee charge. I mentioned my excellent payment history and length of owning the card to which I was told that "at Citibank, everyone is treated the same".... one missed payment and the account status becomes "restricted". What does this mean? Who knows. The customer service rep had trouble explaining it. I was then pressed to make a payment over the phone. When he realized that I wasn't going to authorize a phone payment, he wanted me to "promise" to make a payment TODAY! Since I pay my account in full every month (avg $2000/month) and I missed this one time, I figured that I had until the next due date to pay. Especially since I incurred the $37 late fee. The customer service rep didn't like that I wasn't going through him to make a payment TODAY when another payment is not due until 9/8/19 and seemed to threaten me by repeating that my account is "restricted". Thankfully I have other cards through banks that don't threaten, nor do they "restrict" the credit card after one missed payment. After this experience, I feel that this credit card is not worth keeping. I hope LLBean knows that it will decrease how much I buy at LLBean in the future.

by Wronged former customer
HORRIBLE customer service

For years, I had , used and paid my Barclaycard LL Bean VISA with no issues. I used this card to pay for some high-priced moving costs, which will be recouped and repaid once my house sells. I thought this was a judicious decision, expecting to deal with Barclaycard, which has always been communicative and responsive.From the moment Citibank took over, it has been a nightmare of mismanagement and horrible customer service. I have NEVER been able to access my online account again. My calls and emails have gone unanswered, other than an auto message telling me to access their services through the online account which I cannot access. I get CONSTANT messages saying that my account is past due when I reliably send a payment (now by snail mail and check, ludicrous, after my account was inaccessible to me and no longer does autopay) at the same time every month. I never received a replacement card, which is fine, since I don't intend to use it again, but I have paid $2600 over the past year and my balance does not seem to diminish because of their predatory tacked-on fees. For the first nine months, i did not receive their invoices at my correct address (which Barclay had on file), so I began sending payments to the Kentucky address found on their site. Horrible,horrible experience. Spare yourself this nightmare. DO NOT get a Citibank LL Bean Mastercard.

by ADR
So disappointing....

Like many others, I had my Barclay LL Bean card for 20+ years. Being a Mainer, it made sense that it was my first credit card right after college. In all those years, I never had a problem, but now, with Citi, there have been numerous challenges over the last year. The final straw came when Citi would not back me up after a merchant charged me a 3% restocking fee and credit card fees upon canceling an item due to the item being on backorder indefinitely. I never had the item!! The reimbursement came via a company check (minus said fees mentioned above) a week later so as not to incur credit card fees, I was told by the merchant. I will be going back to using another card as my primary and save this for LL Bean purchases only.

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.

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