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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
Recommended 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.

Compare cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
Earn up to $250. You'll get 20% back on purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first yeares) on up to $12,000 spent in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.

Compare up to 4 providers

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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