CI
Citibank

L.L.Bean® Mastercard®

$0 Annual Fee
See terms Purchase APR
670+ Recommended FICO
Cash Back Reward Type
Browse Cards Citibank L.L.Bean® Mastercard®

Rewards

Reward TypeCash Back
Base Rate1x / 1%
Bonus RateUp to 4x
Point Value~0.01¢ each
ExpirationBean Bucks do not expire as long as the cardmember is using their card; specific activity requirements are governed by the L.L.Bean rewards program terms
Redemption NotesBean Bucks can only be redeemed toward L.L.Bean purchases at llbean.com, by phone, or in L.L.Bean stores; they cannot be redeemed for cash, statement credits, or transferred to other loyalty programs; Bean Bucks are redeemable in any amount with no minimum redemption threshold
CategoryRateTypeCap
L.L.Bean Purchases
Earn 4% back in Bean Bucks® on eligible purchases made at L.L.Bean stores, llbean.com, and by phone; 1 Bean Buck equals $1 in savings on future L.L.Bean purchases.
4x Cash Back No cap
Restaurants
Earn 2% back in Bean Bucks® at restaurants everywhere Mastercard is accepted; eligibility is determined by merchant category code.
2x Cash Back No cap
All Other Purchases
Earn 1% back in Bean Bucks® on all other eligible purchases everywhere Mastercard is accepted; no annual cap applies.
1x Cash Back No cap

Benefits & Protections

BenefitCategoryValue / Coverage
20% Off L.L.Bean Purchases on Day of Approval
New cardmembers receive 20% off L.L.Bean purchases on the day the account is approved; the discount applies to eligible purchases at L.L.Bean.
Credits 20% off on day of approval
No Annual Fee
There is no annual fee to carry the L.L.Bean® Mastercard®.
Financial $0 annual fee
Up to $0
24/7 Customer Service
Cardmembers have access to customer support 24 hours a day, 7 days a week by calling 1-866-484-2614; TTY service is available via 711 or other Relay Service.
Other Complimentary
Online Account Management
Cardmembers can manage their account online to view statements, pay bills, set up alerts, view Bean Bucks® balance, and access account tools through Citi's online portal.
Other Complimentary
1% Back in Bean Bucks on All Other Purchases
Earn 1% back in Bean Bucks® on all other eligible purchases everywhere Mastercard is accepted; no annual cap applies.
Rewards 1% back in Bean Bucks®
2% Back in Bean Bucks at Restaurants
Earn 2% back in Bean Bucks® at restaurants everywhere Mastercard is accepted; eligibility is determined by merchant category code.
Rewards 2% back in Bean Bucks®
4% Back in Bean Bucks at L.L.Bean
Earn 4% back in Bean Bucks® on eligible purchases made at L.L.Bean stores, llbean.com, and by phone; 1 Bean Buck equals $1 in savings on future L.L.Bean purchases.
Rewards 4% back in Bean Bucks®
Bean Bucks Never Expire (While Card is Active)
Bean Bucks® do not expire as long as the cardmember is actively using their card; Bean Bucks can be saved and redeemed in any amount at llbean.com, by phone, or in L.L.Bean stores.
Rewards Complimentary
Bean Bucks Redeemable in Any Amount
Bean Bucks® can be redeemed in any dollar amount with no minimum threshold requirement at llbean.com, by phone, or in L.L.Bean stores.
Rewards Complimentary
$0 Liability on Unauthorized Charges
Cardmembers are not responsible for unauthorized charges made on their account; Citibank will not hold the cardmember responsible for any charge they did not authorize or allow.
Security Complimentary
Exclusive Cardmember Offers
Cardmembers may receive exclusive offers and promotions throughout the year available only to L.L.Bean® Mastercard® holders; specific offers and timing vary.
Shopping Varies
Free Monogramming at L.L.Bean
Cardmembers receive complimentary monogramming on eligible L.L.Bean items when purchased with the L.L.Bean® Mastercard®; subject to L.L.Bean's monogramming eligibility and availability.
Shopping Complimentary
Free Return Shipping at L.L.Bean
Cardmembers receive complimentary return shipping on eligible L.L.Bean purchases when returning items; subject to L.L.Bean's returns policy.
Shopping Complimentary
Free Shipping at L.L.Bean
Cardmembers receive complimentary standard shipping on purchases made at L.L.Bean when using the L.L.Bean® Mastercard®; specific minimum order requirements and exclusions apply per L.L.Bean's shipping policy.
Shopping Complimentary

Fees

Annual Fee $0 — No Annual Fee
Balance Transfer FeeA percentage of each transaction with a minimum dollar amount (exact amounts disclosed in the card agreement)
Cash Advance FeeA percentage of each transaction with a minimum dollar amount (exact amounts disclosed in the card agreement)

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Returned payments, account inactivity resulting in Bean Bucks expiration, suspicious purchase patterns, excessive cash advances
Cliff Effect Rules
The L.L.Bean® Mastercard® is a single-product program with no card family tiers — there is no documented cliff effect between this card and other Citi Retail Services co-branded cards. There is no documented restriction blocking applicants who hold other Citi Retail Services cards from also holding the L.L.Bean® Mastercard®.
International Friendly
May have limitations for international use.
Additional Issuer Rules
The L.L.Bean® Mastercard® welcome offer (20% off L.L.Bean purchases on the day of approval) is available to new cardmembers only and is applied at the time of purchase on the day the account is approved — prior L.L.Bean cardmembers are not eligible for the new cardmember discount. Citibank Retail Services does not publish a specific card velocity rule equivalent to Chase 5/24, but community data indicates Citi may decline applicants who have recently opened multiple Citi Retail Services co-branded cards in a short period. Unlike most Citi Retail Services co-branded products, the L.L.Bean® Mastercard® is a single-tier open-loop Mastercard with no store-only fallback card — applicants either qualify for this card or are declined outright.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Citibank
$0
Annual Fee
Apply Now
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Quick Summary
Annual Fee Free
RewardsCash Back
Min. FICO670+
Online
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