1. Money
You can opt-out at any time. Please refer to our privacy policy for contact information.

L.L. Bean Visa Card Review

Automatic rewards – and free shipping – for L.L. Bean fans

About.com Rating 5 Star Rating


Visit Their Website

You earn 3% back on all your Bean purchases, plus free shipping and monogramming, with no annual fee.

Who the L.L. Bean Visa Card Is For

  • Frequent L.L. Bean shoppers who want free shipping and ability to earn gift certificates at the store.

Credit Rating Required

  • Good to Excellent (660+)

About the L.L. Bean Visa Card


  • Free shipping on all orders paid with the card, including returns.
  • Free monogramming.
  • Automatic rewards after you earn $10.
  • Relatively low APR, if you qualify.
  • No annual fee.


  • Rewards expire after one year.


  • 3% back on L.L. Bean purchases, redeemable in $10 gift certificates
  • 1% back on all other purchases


  • Purchases and Balance Transfer APR: 13.99 to 19.99%, based on your credit worthiness.
  • Cash Advance APR: 25.24%
  • Penalty APR: up to 27.24%.


  • No annual fee.
  • Late fee: Up to $35.
  • Returned payment or check fee: Up to $35.
  • Over the limit fee: None.
  • Balance transfer fee: $10 or 4%.
  • Cash advance fee: $10 or 5%.
  • Foreign transaction fee: 3%.

L.L. Bean Visa Card Review

If you're a fan of the L.L. Bean outdoor and clothing catalog, this card is an absolute must-have. It has one of the best rewards and benefits programs of any retailer out there.

Although it now has a new card issuer - Barclays - the card is as good as ever. You get 3% back on all Bean purchases, plus 1% back on all other purchases. When you earn at least $10, you're automatically sent a Bean gift certificate with your statement. (The certificates expire after one year if you don't use them).

But the rewards are only part of it. When you pay for your order with the card, you automatically get free shipping, which can be a huge savings. You also get free shipping if you have to return your purchase to Bean. So even if you shop at Bean only a few times a year, the card is worth it for the free shipping alone.

You also get free monogramming on goods purchased with the card, up to 10 spaces per line.

If you qualify, the APR is a modest 13.99%.


The L.L. Bean card is one of the best retail rewards cards available. Even if you shop there only occasionally, the card is worth having just so you can avoid shipping costs.

Visit Their Website

©2014 About.com. All rights reserved.