L.L.Bean Mastercard®
Basic Information
Program ID: ll-bean-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:36
Last Scraped: 01/15/2026 12:38
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% 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% - 3,124.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 3,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,224.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $0.01
Time Period: 30 days
Bonus Timing: Typically within 1-2 billing cycles after the qualifying purchase posts to the account.
Rewards Program
Reward Type: L.L.Bean Bucks
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x L.L.Bean Purchases, 2x Gas, 2x Restaurants
Point Value Estimate: 0.0100 cents/point
Expiration Policy: L.L.Bean Bucks do not expire.
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: For 2026, new cardholders are expected to receive a sign-up bonus, typically an LL Bean Gift Card or statement credit, after making their first purchase or meeting a small spend threshold within the initial 30-90 days. Ongoing rewards are anticipated to remain at 4% back on LL Bean purchases, 2% on gas and restaurant purchases, and 1% on all other eligible purchases, issued as LL Bean Dollars. Eligibility requirements include being at least 18 years old, possessing a valid U.S. Social Security Number or ITIN, and a U.S. mailing address. Approval is contingent on creditworthiness, encompassing credit score, income, and existing debt. Bread Financial generally targets applicants with fair to good credit (FICO 670+), though approvals can vary based on the overall credit profile. There are no explicit 'X/24' type application rules, but recent credit inquiries and new accounts across all issuers will be considered.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all Bread Financial products relative to income, rapid accumulation of new credit accounts across all issuers, bust-out risk indicators (e.g., maxing out cards and then defaulting), suspicious activity flagged by fraud detection systems, defaulting on other credit products (especially those issued by Bread Financial), frequent balance transfers or cash advances indicating financial distress.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Strong rewards on LLBean purchases, no annual fee, and useful Mastercard benefits.
Top Negative Feedback:
Rewards are primarily limited to LLBean, high APR, and some users report issues with customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne
- Chase Freedom Unlimited
- REI Co-op Mastercard
Card Value Score: 70.0 / 100
Est. Annual Rewards: $240.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 70% General / 30% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0