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Saturday, October 24, 2026 Independent since 2026. We are not a lender.

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L.L.Bean® Mastercard® from Citi: annual fee, APR and rewards

Fact sheet for the L.L.Bean® Mastercard®, issued by Citi, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Network	Mastercard
Annual fee	$0
Rewards	Points: Earn Bean Bucks: 5% at L.L.Bean, 2% at restaurants, 1% all other purchases (1 Bean Buck = $1 savings on future L.L.Bean purchases).
Purchase APR	the APR for purchases and the APR for balance transfers is 19.74% - 30.74% based on your creditworthiness
Balance transfer fee	5% of each transaction, minimum $10
Sign-up bonus	Get 20% Off at L.L.Bean upon approval with the L.L.Bean® Mastercard®.
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good, Poor (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 25.49%, with a range of 19.49% to 30.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. citi.com/credit-cards/citi-llbean-credit-c… · citi.com/gcgapi/prod/public/v1/prelogin/di…

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