Citi
L.L.Bean Mastercard
Estimated value every year on typical spending
$180/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi L.L.Bean Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $180 a year on typical spending.
Its rewards are L.L.Bean coupons, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- Not specified
- Top perk
- Exclusive cardmember benefits at L.L.Bean
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 5% at L.L.Bean
- 2% at restaurants
- 1% for all other purchases
Sign-up bonus
20% Off today at L.L.Bean upon approval with the L.L.Bean® Mastercard®.
Best for
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are L.L.Bean coupons, so we count them at half value)
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $400/mo on dining earns about $48/year (1%).
- $1200/mo on everyday spending earns about $72/year (0.5%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
L.L.Bean Mastercard: questions people ask
Is the Citi L.L.Bean Mastercard worth it?
With no annual fee, the Citi L.L.Bean Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $180 a year on typical spending.
What is the Citi L.L.Bean Mastercard annual fee?
The Citi L.L.Bean Mastercard has no annual fee ($0).
What is the Citi L.L.Bean Mastercard welcome bonus?
Get 20% Off today at L.L.Bean upon approval with the L.L.Bean® Mastercard®. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Citi L.L.Bean Mastercard earn?
5% at L.L.Bean. 2% at restaurants. 1% for all other purchases.
What credit score do you need for the Citi L.L.Bean Mastercard?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi L.L.Bean Mastercard charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.