| Rewards | Earn 4% back in L.L.Bean rewards on L.L.Bean purchases, 2% back at restaurants and travel, and 1% back on all other purchases. Rewards are issued as Bean Bucks, which can be redeemed at L.L.Bean stores and online. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable APR, typically ~25%–29%+ |
| Cash Advance Fee | Either $10 or 5% of the amount (whichever is greater) |
| Late Payment Fee | Up to $41 |
| Purchases APR | Variable APR, generally ~19%–29% depending on credit profile |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The L.L.Bean Mastercard is a co-branded retail rewards card issued by Citizens Bank, designed for shoppers who regularly buy outdoor gear and apparel from L.L.Bean. It earns tiered rewards, including higher cash back on L.L.Bean purchases, plus additional rewards on dining, travel, and everyday spending, with no annual fee.
Most users say they like the strong rewards rate on L.L.Bean purchases and the fact that points come as Bean Bucks, which are easy to redeem for future shopping. Many reviewers mentioned that the travel and dining categories add decent extra value for a store card, making it more versatile than typical retail credit cards.
On the downside, many reviewers point out that rewards are mostly useful within the L.L.Bean ecosystem, which limits flexibility. Others mention the lack of a consistent sign-up bonus and relatively high APR if you carry a balance, which reduces its appeal as a general spending card.
Personally, I think the L.L.Bean Mastercard is best for loyal L.L.Bean customers and outdoor enthusiasts who shop the brand regularly and pay in full each month. If you want flexible cash back or travel rewards you can use anywhere, a general-purpose rewards card will usually deliver better long-term value.
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Perfect for loyal L.L bean shoppers
I shop at L.L bean often, so earning extra rewards on every purchase has been great. The face shipping perk saves me money and the card works smoothly for online orders
