Review of the L.L. Bean® Visa® Card

Brendan Harkness

Brendan Harkness | Reviews

Jan 28, 2016 | Updated May 11, 2016

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The L.L. Bean® Visa® Card is a credit card that’s designed with frequent shoppers of L.L. Bean in mind.

You’ll earn 3% cash back for eligible purchases made at L.L. Bean, and 1% back anywhere else. So you’ll want to use this card at that store only, and consider using a regular reward credit card for other purchases.

Along with some Visa benefits, you’ll also get additional perks such as free monogramming, free returns, and exclusive sales and offers at L.L. Bean.

Read on to learn if this card is right for you, but also take a minute to watch our Q&A Video: 3 Things to Know Before You Apply for a Store Credit Card.

L.L.Bean® Visa® Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.24%, 17.24% or 20.24% *Variable
Quick Card Facts
  • No annual fee
  • Purchase APR of 13.99%, 16.99% or 19.99% (Variable)
  • Earn 10% for every $1 spent on L.L. Bean Outdoor Discovery Schools
  • Earn 3% for every $1 spent on purchases made at L.L. Bean
  • Earn 1% for every $1 spent on all other purchases

The Rewards

You’ll earn:

  • 10% cash back on purchases with L.L. Bean Outdoor Discovery Schools (listed below)
  • 3% cash back on purchases made at L.L. Bean
  • 1% cash back on all other purchases
  • $30 in L.L. Bean Bonus Coupon Dollars if you spend at least $250 in the first 90 days

Every time you earn $10 in cash back, you’ll automatically receive a $10 L.L. Bean coupon.

Courses at L.L. Bean Outdoor Discovery Schools include:

  • Snowshoeing
  • Cross-country skiing
  • Introduction to skate skiing
  • Introduction to map and compass skills
  • And many more

The Benefits

You’ll receive a list of benefits in the mail when you get your card, which will likely include the following. Check your card’s Guide to Benefits for details on 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 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 it happens to you.

  • Chip-and-Signature and Chip-and-Pin Technology

    This card has EMV technology for added security when making purchases. Learn more about EMV technology »


  • Global Services

    Provides 24/7 help with travel emergencies; includes emergency card replacement, cash advances, and more.

  • Auto Rental Collision Damage Waiver

    Collision damage and theft are covered on most cars in the U.S., as long as you purchase the rental with your card and decline the rental company’s own insurance.

The Costs & Fees

Annual Fee Purchase APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$0 14.24%, 17.24% or 20.24% *Variable 14.24%, 17.24% or 20.24% *Variable 25.49% (Variable) 3%
Penalty APR Late Fee Returned Payment Fee
See Terms Up to $37 Up to $37

The Bottom Line

Overall, the L.L. Bean Visa Card is one of the better retail store cards. You can use it anywhere, it offers a nice variety of rewards and benefits for shopping at L.L. Bean, and it has interest rates that are on the low end, even for general, non-store credit cards.

If you’re the outdoorsy type, be sure to check out the 10% back offer for signing up for classes with L.L. Bean Outdoor Discovery Schools.

Most people will get this card to earn the 3% cash back for shopping at L.L. Bean stores. This is a pretty good deal, and one of the better rewards offered among store cards right now.

Since there’s no annual fee, there’s little risk to getting it if you shop at L.L. Bean throughout the year, as long as you use the card responsibly.

Why not get 3% back for the purchases you make? Just be sure to pay off your balance in full every month to avoid paying any interest, which will quickly eat into your savings.

Do you have the L.L. Bean Visa Card? If so, how do you like it? Leave your own review of the L.L. Bean Visa Card »

Looking for other store cards? Check out our picks for The Best Store Credit Cards for 2016 »
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