- Sign-Up Bonus
- 0
- Spending Multipliers
- 3
- Credits & Features
- 1
- Fees
- 4
- Application
- 3.5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 3
- Credits & Features
- 1
- Fees
- 4
- Application
- 3.5
- Issuer
- NaN
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
Spending Multipliers
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)