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L.L.Bean Mastercard review

Earn rewards on your L.L.Bean purchases, fuel and restaurants.

  • Get this card if you often shop at L.L.Bean stores
  • Pick something else if you want an intro APR period
  • Apply with a good to an excellent credit score of 580 or higher.
Please note: Citi is an advertising partner of

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Up to 4%

Cash back


Annual fee

13.99% to 19.99%

Purchase APR (variable)


Recommended credit score


Annual fee$0
Welcome offer15% off your first purchase on the day you're approved
Rewards4% cashback at L.L.Bean, 2% at gas stations, 2% at restaurants and 1% on all other purchases
Purchase APR13.99% to 19.99% variable
Balance transfer APR13.99% to 19.99% variable
Minimum Credit Score580

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The L.L.Bean Mastercard is designed for loyal L.L.Bean shoppers who want to earn rewards on their store purchases. What’s more, you earn accelerated rewards on fuel and restaurants, and you can use the card wherever Mastercard is accepted.

However, you can only redeem rewards for purchases made at an L.L.Bean store.

Card benefits

  • Bean Bucks.
    Earn 4% back in Bean Bucks on purchases made at L.L.Bean. Earn 2% back on gas purchases and restaurants, and 1% back on everything else you buy.
  • Perks for L.L.Bean purchases.
    Get exclusive offers, free shipping, free return shipping and free monogramming. Shipping and handling for L.L.Bean purchases can cost between $4.95 and 2.5% of the merchandise value, and monogramming costs $8 per item. Using the card could save you these costs.
  • No annual fee.
    You won’t pay an annual fee for the life of the card.

What to watch out for

  • Limited redemption options.
    You can only redeem your earned Bean Bucks for purchases made at L.L.Bean stores.
  • No intro APR period.
    You get no intro APR period on purchases or balance transfers. There’s also no deferred-interest payment options.
  • Foreign transaction fee.
    Using this card abroad will cost you 3% of the amount of each transaction.

How to apply for the L.L.Bean Mastercard

  1. Visit the L.L.Bean Mastercard website.
  2. Click Apply Now.
  3. Log in to your L.L.Bean online account or sign up if you don’t have one.
  4. Proceed with the application form.
  5. Review your application and submit.

What credit score do I need?

Increase your chances of success when you apply with a good to excellent credit score of 580 or higher.

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Bottom line

If you frequently shop at L.L.Bean, getting the cobranded L.L.Bean Mastercard could be worthwhile. You get to earn accelerated Bean Bucks on your L.L.Bean, fuel and restaurant purchases, which you can use for savings on purchases at the store.

However, if you prefer a more robust rewards structure or simply an intro APR period on balance transfers and purchases, compare other credit cards until you find the right fit for your financial needs.

Frequently asked questions

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