Legendary Pine Mastercard® Credit Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
Sporting Goods Retailers Earned at eligible sporting goods retailers as classified by Mastercard merchant classification codes; purchases made via third-party payment accounts (e.g., PayPal, Venmo) do not earn bonus points.	3x	Points	No cap
Gas Earned at eligible gas stations as classified by Mastercard merchant classification codes; purchases made via third-party payment accounts do not earn bonus points.	2x	Points	No cap
Groceries Earned at eligible grocery stores as classified by Mastercard merchant classification codes; purchases made via third-party payment accounts do not earn bonus points.	2x	Points	No cap
All Other Purchases Earned on all other eligible purchases everywhere Mastercard is accepted; excludes balance transfers, cash advances, interest charges, fees, and unauthorized charges.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Priceless Experiences Get exclusive access to a collection of unique experiences and offers in cities around the world.	Lifestyle	Exclusive access to unique experiences and offers
Mastercard ID Theft Protection Provides cardholders with access to a comprehensive suite of identity theft resolution services, including proactive monitoring of credit files, alerts for suspicious activity, and assistance with identity restoration if theft occurs.	Security	Monitoring and resolution services
Mastercard Zero Liability Protection Protects cardholders from financial responsibility for unauthorized purchases made with their Mastercard credit card. This applies to purchases made in-store, over the phone, online, or via mobile device.	Security	No liability for unauthorized transactions
Mastercard Airport Concierge Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival, or any connecting flights at over 700 airports worldwide. As a Mastercard cardholder, you'll save 15% on eligible services.	Travel Assistance	15% savings on eligible services; Meet and Greet agent at over 700 airports
Mastercard Global Service Offers 24/7 emergency assistance for card-related needs, including reporting a lost or stolen card, emergency card replacement, and emergency cash advances, anywhere in the world.	Travel Assistance	24/7 emergency assistance

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR31.99%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 Months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each Cash Advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $30

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit, excessive credit seeking, abuse of return policies, pattern of opening and closing cards for bonuses (churning), spending patterns inconsistent with stated income, failure to pay on time.

Cliff Effect Rules

American Express often has 'family rules' where obtaining a welcome bonus on one variant of a card may disqualify eligibility for a bonus on a similar card product within the same family (e.g., different tiers or co-brand versions of 'legendary-pine' cards).

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Applicants are eligible for one welcome bonus per legendary-pine-mastercard per lifetime. American Express enforces a 2/90 rule (maximum 2 credit card approvals every 90 days) and a 1/5 rule (maximum 1 credit card approval every 5 days). Eligibility requires good to excellent credit, a stable income, and a valid SSN/ITIN.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Comenity Bank offers benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active duty service members. Contact them to learn more about eligibility and benefits.

Hardship Program

Hardship program available.

Legendary Pine Mastercard® Credit Card