- Sign-Up Bonus
- 0
- Spending Multipliers
- 3
- Credits & Features
- 1
- Fees
- 4
- Application
- 3.5
- Issuer
- 5
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 3
- Credits & Features
- 1
- Fees
- 4
- Application
- 3.5
- Issuer
- 5
The Citi L.L.Bean Mastercard from Citibank is a no-annual-fee store credit card designed for loyal L.L.Bean shoppers who want to maximize rewards and enjoy exclusive perks. Cardholders earn rewards that can only be redeemed at L.L.Bean, making it ideal for frequent buyers of outdoor gear, apparel, and home goods from the retailer. Additional benefits include free shipping and free monogramming, enhancing the shopping experience with convenience and personalization. While the card does not offer a welcome bonus and carries a 3% foreign transaction fee, it is perfect for customers who regularly shop at L.L.Bean and want a simple, fee-free way to earn and redeem rewards while enjoying added perks. This card is best suited for dedicated outdoor enthusiasts and loyal L.L.Bean customers seeking a tailored credit solution for their favorite brand.
Pros
Cons
Issuer
Citi, founded in 1812 as First National City Bank, boasts a rich history of banking innovations and global leadership. Operating in nearly 160 countries with a localized presence in 95, Citi offers a diverse range of financial products, including credit cards, checking accounts, loans, and wealth management. With a customer-centric approach, Citi targets various segments, from low-income earners to high-income professionals, emphasizing innovation to simplify financial goals. The bank, with $2.6 trillion in total assets and $168 billion in annual revenue in 2025, maintains financial stability. Citi's commitment to technology is evident in its longstanding focus on innovation labs and leveraging advancements. Philanthropy and corporate social responsibility are integral to Citi's ethos, with initiatives like the Citi Foundation promoting economic progress and supporting education. Citi operates about 670 branches in the US but prioritizes online banking. Upholding values of integrity and responsibility, Citi aims to be a trusted partner in providing responsible financial services. As an FDIC-insured institution, Citi aligns its actions with regulatory compliance.
Spending Multipliers
4%
Bean Bucks at L.L.Bean
2%
Bean Bucks on dining
1%
Bean Bucks on all other purchases
Credits & Features
Application
- Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
- Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $40 late fee
- Up to $41 return payment fee
- 19.49% - 30.49% Variable APR
- 32.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.49% - 30.49% APR for Balance Transfer
- $10 or 5% of each transfer amount (whichever is greater)