How to Apply for the L.L.Bean® Mastercard®

The L.L.Bean^® Mastercard^® provides access to great benefits like free shipping², free return shipping³, free monogramming⁴, birthday bonus⁵, special sales and offers⁶, outdoor discovery program discounts⁷, outdoor impact votes⁸, and the ability to earn Bean Bucks^®1 everywhere Mastercard^® is accepted.

Let’s look at some of the L.L.Bean^® Mastercard^® perks and how to apply.

About the L.L.Bean^® Mastercard^®

Apply today, shop today. Currently, new cardholders can save 20% on their first purchase upon approval⁹.

You can use your L.L.Bean^® Mastercard^® wherever Mastercard^® is accepted and earn Bean Bucks¹ every time you make an eligible purchase. Cardmembers earn:

• 5% at L.L.Bean^®
• 2% at restaurants
• 1% all other purchases

L.L.Bean^® Mastercard^® members can redeem Bean Bucks at L.L.Bean^® stores.

Applying for an L.L.Bean^® Mastercard^®

You can apply for the L.L.Bean^® credit card online, over the phone or at any L.L.Bean^® location. The application requires a few personal details, including your:

• Full legal name
• Email address (Except for in-store applications)
• Phone number
• Street address
• Date of birth
• Annual gross income
• Social Security number
• Monthly housing payment (rent or mortgage)

It’s easy to apply online:

1. Learn more and start your application here.
2. You will be prompted to sign in to your L.L.Bean account. If you do not already have an account, click the option to create an account^†.
3. Complete your application in 4 quick easy steps:
   • Personal information
   • Address
   • Financial information
   • Review and Submit

Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.

¹ Bean Bucks: You will earn a percentage on all eligible net purchases: 5% at L.L.Bean’s businesses in the U.S; 2% at restaurants; 1% on all other eligible net L.L.Bean Mastercard purchases. You may only earn 1%, not 2%, on restaurant purchases at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs, as determined by L.L.Bean in its discretion, due to merchant codes which are out of the control of Citibank or L.L.Bean. Bean Bucks are not earned on balance transfers, convenience checks, cash advances, credits, returned purchases, foreign currency purchases, unauthorized purchases, annual fees, money orders, wire transfers, bets, lottery tickets or casino gaming chips, credit insurance premiums, credit protection fees, interest charges, credit card fees and purchases made with Bean Bucks. Bean Bucks may only be used towards the price of merchandise or services purchased from L.L.Bean. Bean Bucks are not redeemable towards expedited shipping and handling, oversized freight delivery, sales tax, a L.L.Bean Outdoor Discovery Program or a L.L.Bean for Business purchase, nor are they redeemable for cash. Certain services may be excluded at the discretion of L.L.Bean. If your account is closed, not in good standing, or you fail to use your L.L.Bean Mastercard for at least one (1) purchase every twenty-four (24) months, you will not be able to earn or redeem Bean Bucks and any unredeemed Bean Bucks will be forfeited unless prohibited by law. Additional exclusions apply. See the L.L.Bean Mastercard Rewards Program Terms of Use at www.llbean.com/mastercard. The L.L.Bean Mastercard Rewards Program is offered by L.L.Bean. L.L.Bean may terminate or change any benefit, reward, service or feature offered in connection with the L.L.Bean Mastercard account at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies.

² Free Shipping: Eligibility requires the L.L.Bean order to be paid for by the use of the Card or entirely with Bean Bucks. Applies to L.L.Bean’s standard shipping to the U.S. and does not apply to expedited shipping and handling, oversized freight delivery, L.L.Bean for Business orders or shipping to addresses outside of the U.S.

³ Free Return Shipping: Eligibility on returns for an item purchased at L.L.Bean requires the item to have been paid for by the use of the Card or entirely with Bean Bucks. Does not apply to expedited shipping and handling, items requiring oversized freight shipping nor is it valid for L.L.Bean for Business items or items returned from International locations. 

⁴ Free Monogramming: Eligibility to receive the free monogramming service (“Monogramming”), for those items which have been purchased at L.L.Bean with use of the Card or entirely with Bean Bucks and for which Monogramming is offered. Monogramming does not apply to L.L.Bean for Business orders or International orders.

⁵ Birthday Bonus: A valid marketing-eligible email address may be required. Must be active primary cardmember in good standing at least 45 days prior to first day of birth month. See terms at  www.llbean.com/mastercard.

⁶ Special Sales and Offers: A valid marketing-eligible email address may be required. As a cardmember, you’re eligible for exclusive L.L.Bean sales and special offers throughout the year. See terms at  www.llbean.com/mastercard.

⁷ Outdoor Discovery Programs Discount: A valid marketing-eligible email address may be required. Eligible cardmembers receive 15% savings off the total costs of eligible L.L.Bean Outdoor Discovery Programs. Excludes certain programs. A promotional code may be required. See terms at  www.llbean.com/mastercard.

⁸ Outdoor Impact Votes: A valid marketing-eligible email address may be required. Each eligible L.L.Bean purchase made with the L.L.Bean Mastercard or Bean Bucks will earn one (1) Outdoor Impact Votes (“Vote”) except on purchases made on the day of being approved for the L.L.Bean Mastercard. Votes will be able to be redeemed towards a set of pre-determined non-profit organizations during an annual voting window. Funding, as determined by L.L.Bean, will be allocated across the non-profit organizations based on the percentage of Votes received by each organization. Voting will take place exclusively on llbean.com and an active llbean.com account is required to participate in voting. Uncast Votes will be expired at the conclusion of each voting window. See terms at  www.llbean.com/mastercard.

⁹ If your application for the L.L.Bean Mastercard is instantly approved, you will receive a one-time discount of 20% off your llbean.com purchase, valid during your current website visit to llbean.com when you pay with your new L.L.Bean Mastercard. Once this llbean.com visit has ended, this offer is no longer valid. Offer excludes shipping charges; return labels; taxes; license/stamps; gift cards; repairs; duty; engraving; monogramming; alterations; Outdoor Discovery Programs and L.L.Bean for Business orders. Not valid on previous purchases or with employee discounts. Cannot be combined with other promotional offers or discounts. All refunds will match the discounted amount on the purchase receipt. L.L.Bean reserves the right to deactivate promo code(s) in the event of fraud or technical issues and to limit quantities of individual items eligible for purchase with this discount.

For your security, you cannot purchase electronic gift cards or use your card on orders shipping to an address other than your billing address until your new L.L.Bean Mastercard arrives in the mail and is activated.

^†When you register for digital access, you will be required to agree to receive monthly statements and some legal notices electronically only. You can change your delivery preferences at any time after registration by managing the paperless settings for your account.