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L.L. Bean Credit Card Review

L.L.Bean Visa Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
If you are a fan of the L.L. Bean clothing and outdoor catalog and are a member the Barclay bank specifically, then you will love the new L.L Bean visa credit card. With numerous benefits and reward systems that come with it, it is impossible to resist the urge to get one of these bad boys. There are numerous cards by Barclay, so what makes this one so special? For one, the partnership between the bank and the giant retail agent has made this card a fad for those who go all out on shopping. Let us get a deeper understanding.

L.L. Bean Credit Card Details


  • No Annual Fee93
  • Earn 3% rewards on L.L.Bean purchases93
  • Earn 1% rewards on all other purchases93
  • Receive $10 L.L.Bean Coupons as you earn them93
  • Enjoy free returns and free monogramming at L.L.Bean93


Max. Rewards: 3% Cash Back93
Sign-up Bonus: No


Purchase Intro APR: See terms
Purchase Regular APR: 14.24%, 17.24% or 20.24%
Cash Advance Fee: 5%
($10 min)93
Cash Advance Regular APR: 25.49%93
Balance Transfer Intro APR: See terms
Balance Transfer Regular APR: 14.24%, 17.24%, or 20.24%
Balance Transfer Fee: 3%93
Annual Fee: $093

L.L. Bean Credit Card Benefits

The benefits and rewards of this card begin as soon as you get the card. You can start by earning yourself a 50 dollar L.L. Bean coupon when you spend 250 dollars within the first 3 months of acquiring your card. You will also be required to be using the card when spending the 250 dollars.

The best part about this card is the Visa aspect of it. This allows users to make payments and purchases anywhere Visa is accepted. This diversifies its use, and not just making it another card in your wallet.

There is also the reward system for Bean purchases at a rate of 3 percent and a 10 percent rate at L.L. Bean Outdoor Discovery School. All other purchases exempted in these categories are at a rate of 1 percent. All this at no annual fee.

Having a visa card guarantees you a free shipping return policy on top of the free shipping on all purchases, regardless of price. To all 'monogramers' have fun with your card with up to 10 spaces per line.

L.L. Bean Credit Card Drawbacks

Despite the silver lining, we still have a cloud to view. When applying for this card, your credit history will be reviewed. If you have a poor record history, your chances will be slightly tarnished. So most people who consider applying for this are those with a fairly good or excellent credit score.

They have a regular APR of 14.24 percent, 17.24 percent and 20.24 percent, depending on your worth for purchases. Some may seek to term this as unpredictable rate as there is no fixed number. However, the 13.99 percent is a competitive rate. Nevertheless, to get that you need a good credit score.

There is also a high cash advance APR on this card of 25.49 percent that mostly applies to foreign currency, money orders and travelers. Therefore, this is not advisable for non-residents, as it can get expensive.

Late payments and returned payments are charged at a fee of up to 37 dollars, which is considerably high for a credit card.

Contact Information


Contact L.L. Bean Credit Card Customer Service:


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User Comments about L.L.Bean Visa Card

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LL Bean credit card is cool! it offers rewards and good options for cardholders. I get 3% rewards on my LL Bean purchases. It is higher than other store credit cards offer. But...The late fee on this card is kind of high.