L.L.BEAN® MASTERCARD®
Citi · MASTERCARD
The L.L.BEAN® MASTERCARD® is a credit card from Citi on the MASTERCARD network. It has an annual fee of $0. It earns 2% on dining & restaurants, 2% on gas & fuel, 1% on everything else.
Key facts
- Annual fee
- $0
- Purchase APR
- 19.49% - 30.49% variable APR
- Network
- MASTERCARD
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | 2% | 2% on gas stations and restaurants |
| Gas & fuel | 2% | 2% on gas stations |
| Everything else | 1% | 1% on all other purchases |
Benefits and perks
- What rewards does the L.L.Bean® Mastercard® offer? The L.L.Bean® Mastercard® offers cardmembers opportunities to earn rewards in the form of Bean Bucks they can redeem at L.L.Bean. Cardmembers earn Bean Bucks® on every purchase including 4% at L.L.Bean, 2% at gas stations and restaurants, and 1% for all other purchases. Use Bean Bucks® to make purchases at L.L.Bean.
- Can the L.L.Bean® Mastercard® be used anywhere? You can use your L.L.Bean Mastercard® anywhere Mastercard is accepted. Use your card to get outfitted for your next adventure at L.L.Bean, pay for groceries, gas, dining, or other expenses, and earn Bean Bucks on every purchase.
- Does the L.L.Bean® Mastercard® have an annual fee? The L.L.Bean® Mastercard has no annual fee.
- How do I redeem Bean Bucks®? Cardmembers can use their Bean Bucks® to pay for purchases at L.L.Bean. 1 Bean Buck = $1 in savings on L.L.Bean purchases. You can easily redeem Bean Bucks at L.L.Bean on llbean.com, by phone, or in stores Online shopping: When you’re ordering from llbean.com, simply select the available Bean Bucks Balance provided on the site. In-store: Ask your sales associate to apply your Bean Bucks to pay for your purchases. Phone: If you’re placing an L.L.Bean order over the phone, let the L.L.Bean customer service representative know that you want to redeem your Bean Bucks.
- How are Bean Bucks earned on L.L.Bean® Mastercard®? With the L.L.Bean® Mastercard® you can earn Bean Bucks on purchases at L.L.Bean and everywhere Mastercard is accepted. 4% at L.L.Bean 2% at gas stations 2% at restaurants 1% on all other purchases
- How can I apply for the L.L.Bean® Mastercard®? You can apply for your L.L.Bean® Mastercard® online, in-store, or over the phone (call 800.221.4221). You will be required to provide both personal and financial information to be considered for the card, and you must meet our credit qualification criteria.
Rates and fees
Annual membership fee: $0. Purchase APR: 19.49% - 30.49% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the L.L.BEAN® MASTERCARD®
What is the annual fee on the L.L.BEAN® MASTERCARD®?
The L.L.BEAN® MASTERCARD® has an annual fee of $0.
What rewards does the L.L.BEAN® MASTERCARD® earn?
The L.L.BEAN® MASTERCARD® earns 2% on dining & restaurants, 2% on gas & fuel, 1% on everything else.
Is the L.L.BEAN® MASTERCARD® worth it?
The L.L.BEAN® MASTERCARD® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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