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The L.L.Bean Mastercard is a credit card that’s designed with frequent shoppers of L.L.Bean in mind.
You’ll earn 4% cash back for eligible purchases made at L.L.Bean, and 2% back at gas stations and restaurants. So you’ll want to use this card mainly for L.L.Bean shopping, and perhaps for those other categories unless you could get a better deal with a regular reward credit card.
Along with some Mastercard benefits, you’ll also get additional perks such as free monogramming, free shipping and returns, and exclusive sales and offers at L.L.Bean.
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.
This is an “open-loop” card, which means you can use it anywhere Mastercard credit cards are accepted.
If you spend a lot of money with L.L.Bean every year, the L.L.Bean Mastercard might be right for you. Keep reading to learn more and see what this card offers.
If you had the old L.L.Bean Visa Card, you should have received a new L.L.Bean Mastercard in July. After getting your new card you’ll need to activate it at llbeanmastercard.com.
The new card is issued by Citibank, and no longer offers L.L.Bean coupons as part of the rewards program. Instead of coupon dollars you’ll end up getting Bean Bucks, which are pretty much the same thing. If you had any L.L.Bean coupons they will be converted to Bean Bucks.
We give the L.L.Bean Mastercard 2 out of 5 Stars. Even though it’s a store card that offers a fairly high amount of cash back, with some decent other benefits, we’ve received many complaints about this card after the change from Barclays to Citi.
|Signup Bonus Offer|
If you spend a lot of money with L.L.Bean, it’s easy to see how this card could help save you some cash.
It offers rewards at a decent rate for gas and at restaurants as well, compared to most other reward cards. That makes it more useful than your average store card, which is often only worth using at its co-branded store.
The rewards you earn will be counted in Bean Bucks. Your Bean Bucks will expire if you don’t use the card once every 24 months.
The 15% discount is only eligible for your current website visit, in which you successfully applied for the L.L.Bean Mastercard. You’ll need to be instantly approved for the card. If you leave the website and come back, you’ll miss out on the 15% discount.
Most purchases are eligible for the 15% discount, but not all. The ineligible purchases are:
|Purchases Ineligible for 15% Discount|
|Alterations||Direct to Business orders||Duty||Electronics||Engraving||Firearms|
|Gift boxes||Gift cards||Licenses/stamps||Monogramming||Optics||Outdoor Discovery School programs|
|Repairs||Return Labels||Select Boats||Shipping Charges||Taxes|
The cash back you earn will be deposited in your Bean Bucks account. Each Bean Buck is worth $1.
Bean Bucks can only be redeemed for purchases and services from L.L.Bean. Most purchases and services are included, although express shipping and oversized freight delivery are ineligible.
You can use Bean Bucks when making purchases online, in store, or by phone.
You’ll receive a list of benefits in the mail when you get your L.L.Bean Mastercard. The following Perks come standard, and the Shopping and Travel protections may or not be available.
Check your card’s Guide to Benefits for details on your specific benefits and how to access them.
You’ll receive cardmember-only discounts and sales at L.L.Bean.
Customize your purchases by getting a free monogram. Each line normally costs $8.
Free standard shipping for purchases from L.L.Bean.
You’ll get free regular shipping on eligible returns to L.L.Bean.
The L.L.Bean Mastercard may come with the following benefits.
If an item you buy is broken or stolen, you may be eligible for reimbursement.
Doubles the manufacturer’s warranty on eligible products, up to a maximum of one additional year.
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.
Provides 24/7 help with travel emergencies; includes emergency card replacement, cash advances, and more.
Call for help if you break down while driving, for services like towing and tire changes.
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.
Cardholders aren’t held responsible for unauthorized transactions.
Help dealing with identity theft if you become a victim.
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|13.99%–19.99% Variable||13.99%–19.99% Variable||25.24% Variable|
|Annual Fee||Foreign Transaction Fee||Balance Transfer Fee||Cash Advance Fee|
|$0||3%||5%, $10 minimum||5%, $10 minimum|
|Penalty APR||Late Fee||Returned Payment Fee|
|None||Up to $40||Up to $40|
Overall, the L.L.Bean Mastercard is one of the better retail store cards as far as rewards are concerned. You can use it anywhere, it provides rewards and cost-saving benefits at L.L.Bean, and you’ll even get 2% back at gas stations and restaurants.
Most people will get this card to earn the 4% cash back for purchases from L.L.Bean. This is a pretty good offer, and perhaps the best cash back deal you’ll find for shopping at L.L.Bean.
Since there’s no annual fee, there’s little risk to getting it if you spend a lot of money at L.L.Bean throughout the year, as long as you use the card responsibly.
Why not get 4% back for the purchases you’re already making? Just be sure to pay off your balance in full every month to avoid accruing any interest, which will quickly eat into your savings. Just beware of the customer service, since we’ve received many complaints.
To apply for this card just click the Apply Now button below. You can also apply in-store or by phone, although it will generally be quickest and easiest online.
If you don’t apply online you won’t get the 15% discount signup offer.
You’ll typically get an instant decision, either yes or no. In some cases it might take a bit longer, and Citi may ask for more information to process the application.
Retail store credit cards don’t have the best terms and features, but they tend to be more accessible for people with average or poor credit scores. If you’ve had a hard time being approved for better rewards cards, you might be able to start with the L.L.Bean Mastercard. After building up your credit for a while by using it responsibly, you’ll be able to qualify for more valuable cards.
Do you have the L.L.Bean Mastercard? If so, how do you like it? Leave your own review of the L.L.Bean Mastercard below.
Looking for other credit cards that earn great rewards? Check out our picks for the Best Credit Cards in a variety of categories.
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