L.L.Bean Mastercard
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 5X (L L Bean)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- L.L. Bean
- Credit Required
- Good
Earning Rates
- 5X
L L Bean
5% back in Bean Bucks on all eligible L.L.Bean purchases
- 2X
Dining
2% back at restaurants
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Dining Out
2x at restaurants
L.L. Bean
200 points on a $100 dinner. We don't put a dollar value on this currency yet.
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Details & Terms
Payment Terms
| Purchase APR | 19.74%–30.74% (Variable) |
| Cash Advance APR | 32.74% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Citi | Citi: Multiple card facts | |
| Citi | Citi |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
