Citi
L.L.Bean® Mastercard® Review 2026
General-purpose Mastercard earning 5% Bean Bucks at L.L.Bean, 2% at restaurants, 1% everywhere else.
Who L.L.Bean® Mastercard® is best for
L.L.Bean shoppers who also want a usable everyday card with no annual fee.
At a glance
- Annual fee
- $0
- Purchase/BT APR
- 19.49%-30.49% variable
- L.L.Bean rewards
- 5% Bean Bucks
- Dining rewards
- 2% Bean Bucks
Per Citi, verified Aug 2026
Based on creditworthiness, effective Dec 2025 — verified Aug 2026
On all L.L.Bean purchases
At restaurants; 1% on everything else
Pros
- +General-purpose Mastercard — usable anywhere, not just at L.L.Bean
- +5% Bean Bucks at L.L.Bean is a strong store-specific rate
- +Free shipping, free return shipping, and free monogramming on L.L.Bean orders
- +No annual fee
Cons
- −APR as high as 30.49% for lower-credit approvals, though the range starts lower than most store cards
- −Cash advance APR runs even higher at 32.49%
- −Bean Bucks forfeited if the card isn't used at least once every 24 months
- −1% base rate on non-L.L.Bean, non-dining purchases trails dedicated 2% flat-rate cash-back cards
L.L.Bean® Mastercard® requirements
- Good-excellent credit typical (690+ FICO)
- US residents 18+
- Hard credit pull required
L.L.Bean® Mastercard® alternatives
Top alternatives worth comparing from L.L.Bean Mastercard: Complete 2026 Guide.
Synchrony Bank
TJX Rewards® Platinum Mastercard®
Prefer a general-purpose store Mastercard with a higher flat store-earn rate
Not sure which card fits?
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See all picks in L.L.Bean Mastercard: Complete 2026 Guide
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
L.L.Bean® Mastercard® scores 4.0 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: L.L.Bean shoppers who also want a usable everyday card with no annual fee.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about L.L.Bean® Mastercard®
How much does the L.L.Bean Mastercard earn at L.L.Bean?+
The L.L.Bean Mastercard earns 5% back in Bean Bucks on all L.L.Bean purchases, 2% at restaurants, and 1% on everything else, per Citi's published rewards terms (verified August 2026). Each Bean Buck equals $1 in savings toward a future L.L.Bean purchase.
What credit score is needed for the L.L.Bean Mastercard?+
Citi doesn't publish an exact minimum, but as a Citi-issued general-purpose Mastercard, approval odds are strongest with good-to-excellent credit — typically 690+ FICO. This is a higher bar than most store-only cards since the card is usable everywhere, not just at one retailer.
Do L.L.Bean Mastercard Bean Bucks expire?+
Bean Bucks don't have a fixed expiration date, but per Citi/L.L.Bean terms (verified August 2026), if the account is closed, not in good standing, or unused for at least one purchase every 24 months, you lose the ability to earn or redeem Bean Bucks and any unredeemed balance is forfeited (unless prohibited by law).
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the L.L.Bean Mastercard. The card is issued by Citibank, N.A. and is a product of L.L.Bean, Inc.. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms at citi.com/credit-cards/citi-llbean-credit-card before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.