L.L.Bean Credit Card

L.L.Bean Credit Card Sponsored Card
Required Credit Score: Excellent, Good
4.5 153 reviews   Write a Review!
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at Barclays'
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L.L.Bean Credit Card's Rewards

Bonus
None
Base Earn
1% in Coupon Dollars
Max Earn
3% in Coupon Dollars
Earn / Redeem Limit
No
  • Earn 3% rewards on L.L.Bean purchases.
  • Earn 1% rewards on all other purchases.
  • Receive $10 L.L.Bean Coupons as you earn them.
  • Enjoy free returns and free monogramming at L.L.Bean.

L.L.Bean Credit Card's Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
13.99% - 19.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 4%

L.L.Bean Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   27.24% (V)
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • Please see terms and conditions for complete detail.
Apply Now
at Barclays'
secure site

L.L.Bean Credit Card Reviews

 
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1 2 3 4 5
 
4.7
Overall Rating: 4.7 / 5
Total Ratings: 153
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Apr 14, 2014
Photo of Robert M.
4
By:
The L.L. Bean Credit Card is really, really nice. It lets you earn 3% rewards on all purchases. 3%! Most cards offer only 1 percent, maybe 2 percent! The APR% is really, really good on it too in my opinion. And the maximum APR the card has is 27.24%, which is pretty good compared to a lot of cards that have over 30% maximum late APR% rates.
Mar 15, 2014
Photo of Rob A.
5
By:
I love the vouchers we collect with this card, we are big fans of the brand so the vouchers are always welcome. It's great to go to the store and find you have $20 or $30 to use.
Feb 12, 2014
Photo of Skye L.
4
By:
All my prayers were answered with this L.L. Bean credit card. I love to use it when I need something nice as a gift, or for a special occasion. My husband also loves this brand so I am always using it on gifts for him. I can always appreciate the low fees, which are way better than other cards I have had of this type.
Feb 4, 2014
Photo of Daniel L.
5
By:
I love to break out my L. L. Bean credit card around the Christmas time every year. I've had the card for about 5 or 6 years now, and they will always run a special for current card members around the holiday. They have a nice rewards structure in place, unlike some other clothing outfitters, so your money goes farther with L. L. Bean.
Jan 16, 2014
Photo of Brandon H.
4
By:
The L.L.Bean Credit Card gives you decent rewards, ranging from 1% coupon rewards up to 3% in coupon rewards. The interest rates are pretty good, and it does allow for cash advances. One downside is that there is a balance transfer fee, and the rates are high for transfers.
Jan 6, 2014
Photo of Rich M.
4
By:
Excellent complementary card to have in your wallet if you shop often at L.L. Bean-- use it exclusively at L.L. Bean and use one of the higher, 1.5% base capital one cards for other general purchases and you'll be earning far more than using either card exclusively.
Dec 27, 2013
Photo of Beatrice R.
4
By:
I chose the L.L. Bean credit card mostly because I found myself shopping on L.L. Bean more often for winter gear and jackets. I've had to return things and pay return shipping, but now that I have the credit card they offer me free returns. The extra 3% I receive on L.L. Bean purchases makes me look to them a little more often now. Their prices can be higher sometimes and the 3% back and free shipping helps a little. They have great quality. My interest rate with this card is about the same as some cards that I have which don't offer cash back perks. The L.L. Bean card more
Dec 16, 2013
Photo of Jason B.
2
By:
The L.L. Bean Credit Card looks like a good pick, but only if you shop at L.L. Bean a lot. The 3% rewards at L.L. Bean are nice, but considering that you will be using this at a lot of other places where you will only be earning 1% everywhere else is my deciding factor. Plus, the interest rates are not that great. However, the free monogramming is kind of cool…If you’re a big L.L. Bean fan, go for it. Everyone else though should keep looking.
Dec 12, 2013
Photo of Chelsea M.
5
By:
The L.L. Bean Credit Card is a great store card in my opinion. You earn 3% back on all purchases from the store so if you shop here a lot it will add up quickly. In comparison to other store cars this one offers a low interest rate although you do need excellent credit. I would recommend this card if you qualify.
Dec 12, 2013
Photo of David M.
4
By:
This L.L. Bean Credit Card offers great interest rates, no annual fee, and a pretty solid reward structure if you like shopping at L.L. Bean. Like the brand with which it is associated, this card seems reliable and effective. No annual fee is always nice, since you're already paying interest rates on your purchases anyway. The only thing to keep an eye out for with this card is that it does require Good to Excellent credit and that the rewards are mostly useless for those who do not shop at L.L. Bean
Dec 3, 2013
Photo of Cameron U.
3
By:
I don't quite like the LL Bean Visa card as much as my Discover. While the terms and rewards are mostly the same, this one cuts a bit back in favor of bonuses for purchases with LL Bean, which I do not use. I'd recommend this card if you're an LL Bean customer, otherwise stay away.
Nov 28, 2013
Photo of Joseph G.
4
By:
L L Bean has always been associated with authenticity. Myself along with a lot friends have been loyal customers of LL Bean right from college days and its always been a pleasure shopping with them. So when their credit card was up for the taking with an unbelievable zero sign up fee, i made sure that I made the most of it. The interest rates are just around 13% which is really really low. I bought lots of clothes and luggage from LL Bean and earned the rewards and cashback handsomely.
Nov 24, 2013
Photo of Reggie S.
4
By:
The L.L. Bean card looks very appealing. I am enticed by its 23 day grace period and free returns and monogramming at L.L. Bean stores. However, I feel like I am not a frequent enough visitor of the store in order to merit the potential 19.99% interest rate and whopping 25.24% interest rate on cash advances. These two factors, to me, as someone kind of new to managing my finances, seem kind of alarming and off-putting. If you're a frequent shopper at L.L. Bean, with an established timeline of effective money management, I feel like this may be a credit card for you. For me, however, it has little practical more
Nov 15, 2013
Photo of Nicole A.
4
By:
If you love shopping at LL Bean like I do, then the L.L. Bean Credit Card is amazing. The no signup fee or annual fees is only the start. Everytime you shop with L.L. Bean you earn 3% bonuses that can be used in store or online. And if you are an avid shopper of L.L. Bean, then every dollar you spend not at store, you still get bonus rewards. There is a low interest rate compared to other store cards like the Express store card which is 25%, whereas LL Bean is only 14%-20%. Besides this, there are no other perks or benefits of rewards like Kohl Cards, but more
Nov 6, 2013
Photo of Gregory S.
3
By:
The L.L.Bean Credit Card is a good idea if you're doing online shopping for yourself or buying gifts for others. I like the fact that the card offers 3% rewards on L.L.Bean purchases which you can use to buy a variety of clothes, footwear, outdoor gear, and luggage, just to name a few. One thing that I don't like about the card is that it doesn't offer an Intro bonus; for instance, the Sony Card from Capital One allows its cardholders to earn 5,000 bonus points within the first 90 days. Yet this card makes up for the Intro omission by offering 1% rewards on all purchases as well as more
Nov 2, 2013
Photo of Richard T.
4
By:
My initial impression of the L.L. Bean credit card was that is a good value. The interest rates are fairly low for a store card, there's no annual fee, and the 1% rewards on general purchases and 3% on purchases made at L.L Bean are on par with some of the better store reward cards, such as Amazon. However, where most other cards that generate points allow those points to be applied toward your balance or toward purchases at a variety of different places, the points rewarded by this card only apply towards coupons for L.L. Bean. It seems like a really good card if you shop frequently in their more
Oct 30, 2013
Photo of Ana B.
4
By:
The L.L. Bean credit card is great if you are a regular shopper of theirs! They offer rewards at a rate of 3% on all in-store purchases, as well as a 1% reward rate on any regular purchases. The card is part of Visa's network, so you're sure to be able to use it wherever you need to. Cash advance rates and fees are fairly high, but this seems to be standard practice for most store credit cards. Just stay away from using the card for this purpose. If you shop L.L. Bean much at all, this card is smart to get - there's no cons as long as you're more
Oct 25, 2013
Photo of Krystal M.
3
By:
The L.L. Bean Credit Card is a Visa which is a trusted financial institution and it's accepted everywhere! Unlike Amex cards that are often declined at several merchants due to higher rates. They don't offer an intro rate which would lead me to stay away from this card. Their interest rates seem very high, but in comparison to most other retailer credit cards. Their cash advance fee is high, I would never consider using it for those purposes. I couldn't imagine having a credit card with a 27% max penalty APR. They have a decent reward rate, better than a lot of retailer cards, but also not the best I've more
Oct 14, 2013
Photo of Constantina H.
3
By:
L.L. Beans Credit is your regular old store card, but since I like this brand so much I applied for their store card a few years back. I really like this brand and this card comes handy when I do not have the cash in hand to buy the items I would like to have. They also do have a decent rewards program ranging from %1 to %3. Of course that amount is determined by your purchases. Overall, I am quite happy with this card but their interest rates are off the roof so I try to limit my use to as little as possible. This card does provide 23 more
Oct 10, 2013
Photo of Thomas B.
3
By:
I have an Amex card but it looks pretty good for one reason. Amex One card gives 1 percent back, but the LL Bean one is on the Visa network which everyone accepts. I've had smaller places like corner stores that won't take Amex because their merchant rates are higher. Cash advance rate is way high for things like international travel, between that and currency exchange fees you'd have to be in a bad emergency to use that part if you didn't pay in full every month. I assume that the regular rate varies based on credit score, but 19.99 percent is really high. I guess most cards are high more
Oct 6, 2013
Photo of Aliciadine S.
3
By:
I like the fact that if you are a frequent shopper at LL Bean that you can earn discounts everytime you use the card. The maximum penalty APR is quite high and the cash advance rate as well. I also love the fact that along with earning at LL Bean you can earn 1% wherever you use your visa. That is huge especially when you are using it at hotels, gas stations, and other retail outlets. Every penny saved helps. I have a prepaid account now visa which does not offer a lot of these things. I also do not have a discount for the discovery school purchases. If you more
Oct 2, 2013
Photo of Jordan W.
4
By:
The L.L Bean Credit Card is a fairly basic store rewards card that doesn’t really stand out in any way. The 1% base rewards back with a potential to earn 3% is pretty standard for a store card and may be useful if the owner frequently goes to L.L. Bean. The interest rate is also a bit lower compared to other store cards, so that is a great benefit of this one. This card also entitles you to a lot of coupons, perfect for someone looking for good deals or bargains! All in all, this card is worth a shot if you go here a lot.
Sep 25, 2013
Photo of Dan G.
3
By:
L.L. Beans Credit card is a basic card that offers pretty much the same cash back as any other card 1%. This card gets 3 stars because of that reason, small specific store cards are very nice if you shop at that specific store quite frequently, otherwise I would not suggest these. A positive thing about this is if you sign up for numerous cards for different stores and businesses, and only use the store specific cards there you will surely end up saving some money. A card I would recommend instead of this card is the PayPal Credit card, it allows you to gain tons of points and spend more
Sep 20, 2013
Photo of Alex S.
3
By:
The L.L.Bean Credit card is a better card than I expected it to be. I like that you can get rewards for shopping wherever you go, it doesn't have to just be at L.L.Bean. Other than that, rewards aren't too good in my opinion. Since I don't do excessive shopping, I feel I don't get too much reward out of this card. Plus, I haven't been shopping at L.L.Bean as of recent, so I may get rid of this card, since shopping with them gives the biggest rewards. Interest rate can also be pretty high which isn't good for me. Overall, I think if you shop a lot, this is more
Sep 13, 2013
Photo of Sheryl P.
3
By:
The L.L. Bean Credit card is similar to most store cards out there. They give you a standard 1% back on all your purchases made anywhere you shop, but the real bonus come from shopping in the store. You can get 3% back on all purchases made at LL bean with this card, plus special perks such as coupons and access to exclusive sales only eligible for card members. This card is worth it if you do a lot of shopping at L.L. Bean, but that would be the only place I'd recommend using the card. In comparison, L.L. Bean offers decent rewards, but other store cards offer typically around more
Sep 9, 2013
Photo of Tao A.
5
By:
The LL Bean store credit card is a lot different than other store cards out there. First, you get rewards no matter where you shop. The 1% on all purchases at stores other than LL Bean could really add up over time. Second, they have a decent variable interest rate - unlike most store cards where it's nearly 30%. They also have exclusive sales in-store for cardholders, so if you are a frequent shopper at LL Bean this card provides a lot of benefits. You also get free shipping and return shipping, which will save you a ton of money over time.
Aug 26, 2013
Photo of Chris M.
5
By:
The L.L.Bean Credit Card is much more than just a store card. It's actually a pretty good rewards card as well. You gain 3% on everything you buy at LL Bean, and 1% on everything you buy anywhere else. It's actually pretty good rates. The APR isn't as bad as some other cards, and there is no annual fee. You do need good credit to get approved for it, but that usually goes with most decent credit cards these days. There is also some exclusive sales only available to cardholders at LL bean, which is a nice added benefit on being a member. A great card if you shop at more
Aug 20, 2013
Photo of Meg M.
5
By:
LL Bean Visa, managed by Barclay Bank, is a great credit card. By offering free shipping and free return shipping from LL Bean, this helps a lot in ordering on-line. The bonus coupons are a plus, too. Customer Service is terrific. I once had a bogus charge and I received a call at 7am alerting me to the unauthorized use of my card. Barclay’s immediately cancelled the card and issued me a new one on the spot. On-line account access is a breeze and transactions are noted promptly. I would recommend this card to anyone who shops at LL Bean. Two thumbs up!
Feb 15, 2013
Photo of Sharon T.
4
By:
Hi, I've had a few major credit cards over the decades (Fidelity, Citibank), but decided last year to try a new one. I applied for an LL Bean Visa Card, and though it seemed to me that such store-named credit cards seem a little hokey, the terms seemed good so I thought I'd give it a try. I started using it around the holidays, and have to say that it saved me a bundle of money for the holidays. Not only does it provide free shipping ALWAYS, I earned several coupons for anything I ordered. Not only do they accept coupons toward future purchases, but they accept more than one more
Jan 18, 2013
Photo of Eleonor W.
3
By:
Hello, I've had an LL Bean credit card for about seven years. I have never mssed a payment, as a matter of fact, I pay off my balance each and every month. My credit score rating is excellent. The $10 bonus that can be applied to my LL Bean store orders has been very helpful and there have been times (many) that because of the bonus, I've received articles of clothing for free. Nice gift! However, because I pay my entire balance each month, I've never really paid attention to the interest rate applied to me. I did check to see what interest rate I would be paying if I more
Aug 6, 2012
Photo of Meredith C.
5
By:
I have had this credit card for about three years. The $10 bonus is a great way to get some shopping money and is the main reason why I chose this card. Since it is a Visa, I have no problems using the card both in and out of the United States. The terms and conditions that came with the credit card were very reasonable as well. I specifically wanted this card because it didn't have an annual fee or any hidden charges. I would highly recommend this card to anyone who enjoys shopping at LLBean regularly. It's a great way to earn rewards and is reliable.
Jul 18, 2012
Photo of Genevieve H.
4
By:
I love my L.L. Bean card! It is the main credit card that I use on a daily basis. Barclays, the bank that manages the card, has awesome customer service if you ever need to call them. I've only had to call a couple times for routine things. The reward coupons are really nice too as I'm a frequent L L Bean shopper. I was even approved for the card with my less than perfect credit. There isn't much to dislike about this card. You should get one!
Jun 1, 2012
Photo of Kyle B.
5
By:
This is a great credit card! Accepted everywhere and trusted by all. Has a pretty reasonable late fee and the grace period is nice. Best of all, my favorite thing about the card is that is I get benefits at the local L.L. Bean store. I love to shop there and this just encourages me to spend do what I love. Plus I get coupons automatically at L.L. Bean. Very useful. The 1% back feature is pretty sweet as well.
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Last updated on: Apr 14th, 2014 at 11:51 EDT