The L.L.Bean Mastercard is a Citi-issued, general-purpose card built around Bean Bucks — L.L.Bean's store-credit rewards currency. Unlike most retail co-brand cards, there's no separate store-only version; every L.L.Bean cardholder gets the Mastercard, usable anywhere.
How Bean Bucks work
Cardholders earn 5% back in Bean Bucks on L.L.Bean purchases, 2% at restaurants, and 1% on everything else, per Citi's published terms (verified August 2026). Each Bean Buck is worth $1 toward a future L.L.Bean purchase. The catch: if the card goes unused for 24 consecutive months, or the account isn't in good standing, unredeemed Bean Bucks are forfeited.
A lower APR floor than most store cards
At 19.49%-30.49% variable (effective December 2025, verified August 2026), the L.L.Bean Mastercard's APR range starts meaningfully lower than most single-store cards, which often carry a flat rate in the high-20s to high-30s regardless of credit profile. Well-qualified applicants can land toward the low end of that range; the ceiling is still high enough that carrying a balance isn't advisable.
Our methodology
Every figure above is attributed to Citi's own published disclosures, verified August 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Confirm current terms at citi.com/credit-cards/citi-llbean-credit-card before applying. See our full review methodology.