12
Benefits4
Reward Categories4x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| L.L.Bean Purchases | 4x | Cash Back | Purchases made at L.L.Bean stores, llbean.com, or through L.L.Bean catalogs. | No Cap | |
| Gas | 2x | Cash Back | Purchases at gas stations. | No Cap | |
| Dining | 2x | Cash Back | Purchases at restaurants. | No Cap | |
| All Other Purchases | 1x | Cash Back | All eligible purchases outside of L.L.Bean, gas, and restaurant categories. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 12 Total
PENDINGFinancial 1
No Annual Fee
$0There is no annual fee for carrying the L.L.Bean Mastercard.
Rewards 5
L.L.Bean Rewards - 4% Back
4% backEarn 4% back in L.L.Bean Bonus Bucks on eligible purchases made at L.L.Bean stores, llbean.com, and L.L.Bean Outlets.
L.L.Bean Rewards - 2% Back
2% backEarn 2% back in L.L.Bean Bonus Bucks on eligible gas station and restaurant purchases.
L.L.Bean Rewards - 1% Back
1% backEarn 1% back in L.L.Bean Bonus Bucks on all other eligible purchases everywhere Mastercard is accepted.
L.L.Bean Bonus Bucks Redemption
Redeemable at L.L.BeanRewards are earned as L.L.Bean Bonus Bucks, which can be redeemed for purchases at L.L.Bean.
L.L.Bean Bonus Bucks Expiration
12 monthsL.L.Bean Bonus Bucks expire 12 months from the date they are issued.
Security 5
Zero Liability Protection
Full protectionYou are protected against unauthorized purchases made with your card. You pay only for purchases you have authorized.
Fraud Protection
Proactive monitoringCitibank actively monitors your account for suspicious activity and will alert you to potential fraud.
Identity Theft Protection
Assistance servicesProvides assistance with identity theft resolution services, including help with credit bureau notifications and replacing lost documents.
Contactless Payment
Convenient and secure paymentsMake secure payments by tapping your card at contactless-enabled terminals.
Digital Wallets
Secure digital paymentsEasily add your card to digital wallets like Apple Pay, Google Pay, and Samsung Pay for secure online and in-store purchases.
Travel 1
Mastercard Global Service
24/7 global assistanceProvides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$50
Cash BackFee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each balance 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 30.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 30.49%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the welcome bonus on the '010' card is subject to Citibank's 24-month rule. This means applicants are not eligible for a bonus if they have received a bonus on any card within the same product family (e.g., ThankYou, AAdvantage, etc., depending on what '010' represents) in the past 24 months. Standard application requirements for 2026 include a good to excellent credit score (typically 700+), sufficient verifiable income, being 18 years or older, and a valid Social Security Number or ITIN. Citibank also considers recent credit inquiries and new accounts opened with them, often adhering to an unofficial '8/65' rule (no more than 8 inquiries/new accounts in 65 days).
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: The primary cliff effect rule is Citibank's 24-month bonus eligibility rule. If an applicant has received a welcome bonus on a card within the same product family as '010' in the last 24 months, they will not be eligible for the welcome bonus on the '010' card, even if approved for the card. This rule applies across different versions or tiers of cards within the same family (e.g., if '010' is a ThankYou card, receiving a bonus on a Citi Premier would make one ineligible for a '010' bonus for 24 months).
Special Events: N/A - '010' is assumed to be a general-purpose credit card, not a store-specific card.
Holiday Promos: Potential for enhanced sign-up bonuses or spending category bonuses during major retail holiday periods such as Black Friday, Cyber Monday, and year-end shopping seasons (typically November-December).
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Good rewards on L.L.Bean purchases, useful for loyal customers, decent customer service, no annual fee.
Top Negative:
Rewards are limited to L.L.Bean, high APR for balances, not ideal for general spending outside of L.L.Bean.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Amazon Prime Rewards Visa Signature
- Chase Freedom Flex
Card Value Score: 70.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0