L.L.Bean Mastercard®
Basic Information
Program ID: 010
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/07/2026 06:59
Last Scraped: 01/09/2026 07:41
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on your top eligible spend category each billing cycle (e.g., Restaurants, Gas Stations, Groceries, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, Live Entertainment)
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Major Airline Partners: Aeromexico Club Premier, Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club. Hotel Partners: Choice Privileges, Wyndham Rewards.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the sign-up bonus on the Citibank '010' card in 2026, applicants must typically be new cardmembers or have not received a bonus for a card within the same product family (e.g., ThankYou, Double Cash, etc., depending on the '010's specific family) in the past 24 months. Citibank also enforces application velocity rules, commonly known as the '8/65' rule: applicants are generally limited to one approval within an 8-day period and no more than two approvals within a 65-day period across all Citibank credit card products. Standard creditworthiness criteria, including a good to excellent credit score, sufficient income, and a manageable debt-to-income ratio, are also required for approval.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of bills with credit cards where cash equivalents are easily obtained), high cumulative credit limit across all Citibank products relative to income, rapid application for multiple cards, frequent balance transfers without genuine spending, cycling credit limits, or any activity deemed fraudulent or abusive of bonus programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users frequently praise the competitive rewards rates, particularly for cash back or specific spending categories, and the user-friendly mobile app. Customer service is often highlighted as responsive and helpful.
Top Negative Feedback:
Some users report frustration with high APRs, occasional issues with foreign transaction fees on certain cards, and a desire for more robust travel benefits on entry-level cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Discover it Cash Back
- Capital One Quicksilver
Card Value Score: 75.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 100% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/01/2023 00:00