L.L.Bean Mastercard

BreadFinance Mastercard Pending

Back Apply Now

20

Benefits

3

Reward Categories

4x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: ll-bean-mastercard

Issuer: BreadFinance

Card Name: L.L.Bean Mastercard

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:36

Last Scraped: Feb 07, 2026 04:49

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The Servicemembers Civil Relief Act (SCRA) provides certain protections for servicemembers on active duty, their spouses, and their dependents. Eligible servicemembers may qualify for an interest rate reduction to 6% APR on eligible balances incurred prior to active duty.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
L.L.Bean Purchases 4x Points Purchases made at L.L.Bean stores, llbean.com, and through L.L.Bean catalogs. No Cap
Gas & Restaurants 2x Points Purchases made at gas stations and restaurants. No Cap
All Other Purchases 1x Points All eligible purchases not categorized as L.L.Bean, gas, or restaurant purchases. No Cap
Rewards Summary
PENDING

Reward Type: L.L.Bean Rewards

Base Rate: 1x

Bonus Rate: 4x

Categories: 4x L.L.Bean purchases

Quarterly Rotating: No

Expiration Policy: Rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are only redeemable for L.L.Bean merchandise and services.

Benefits & Protections (Detailed) 20 Total
PENDING
Airport Access 1
Mastercard Airport Concierge™
15% savings on services

Provides a personal, dedicated Meet and Greet agent to assist with airport procedures (e.g., check-in, customs) at over 700 airports worldwide. Cardholders receive a 15% savings on services.

Insurance 1
Cell Phone Protection
Up to $600 per claim, maximum of 2 claims per 12-month period. $50 deductible per claim.

Reimburses the eligible cardholder for the cost to repair or replace a stolen or damaged cell phone. Coverage is secondary to other insurance. Requires monthly cell phone bill to be paid with the L.L.Bean Mastercard.

Purchase Protection 3
Purchase Assurance
Up to $1,000 per claim, up to $50,000 per cardholder account per 12-month period.

Reimburses for eligible items purchased with the L.L.Bean Mastercard that are stolen or damaged within 90 days of the purchase date.

Extended Warranty
Up to $1,000 per claim, up to $10,000 per cardholder account per 12-month period.

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when the item is purchased with the L.L.Bean Mastercard. Applies to warranties of five years or less.

Price Protection
Up to $250 per claim, up to four claims per 12-month period.

Reimburses the difference if an eligible item purchased with the L.L.Bean Mastercard is advertised for a lower price within 60 days of the purchase date.

Rewards 4
L.L.Bean Bucks Earning - L.L.Bean Purchases
4% back

Earn 4% in L.L.Bean Bucks for every $1 of Net Eligible Purchases made at L.L.Bean stores, L.L.Bean.com, or through L.L.Bean catalogs.

L.L.Bean Bucks Earning - Everyday Purchases
2% back

Earn 2% in L.L.Bean Bucks for every $1 of Net Eligible Purchases made outside of L.L.Bean, everywhere Mastercard is accepted.

L.L.Bean Bucks Redemption
$10 increments

L.L.Bean Bucks are issued in increments of $10 and can be redeemed for purchases at L.L.Bean.

L.L.Bean Bucks Expiration
12 months

L.L.Bean Bucks expire 12 months from the date of issuance.

Security 3
Mastercard ID Theft Protection™
Complimentary

Provides services to help detect and resolve identity theft. Includes monitoring for suspicious activity, alerts, and resolution services.

Mastercard Global Service™
24/7 assistance

Provides emergency assistance services 24 hours a day, 7 days a week, including Lost/Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

Zero Liability Protection
No liability for unauthorized purchases

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.

Shopping 2
Free Standard Shipping on L.L.Bean Orders
Free standard shipping

Receive free standard shipping on all L.L.Bean orders within the U.S. and Canada when using your L.L.Bean Mastercard.

L.L.Bean Return Policy
Any time, any reason

Cardholders can return any L.L.Bean item at any time for any reason, consistent with L.L.Bean's 100% Satisfaction Guarantee. This benefit is associated with being an L.L.Bean Mastercard cardholder.

Travel Insurance 5
Trip Cancellation/Interruption Insurance
Up to $1,500 per insured person, up to $5,000 per trip.

Reimburses non-refundable common carrier passenger fares if a trip is canceled or interrupted for covered reasons (e.g., accidental bodily injury, severe weather, terrorist act).

Travel Accident Insurance
Up to $250,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare has been charged to the L.L.Bean Mastercard.

Baggage Delay Insurance
Up to $100 per day for a maximum of 3 days.

Reimburses for the emergency purchase of essential items when checked baggage is delayed or misdirected by a common carrier for more than four hours.

Lost Luggage Insurance
Up to $3,000 per covered person.

Reimburses for the actual cash value of lost or stolen checked or carry-on luggage and its contents when traveling on a common carrier.

Rental Car Collision Damage Waiver Insurance
Up to $50,000

Provides coverage for physical damage and theft of most rental vehicles when the eligible rental car is paid for entirely with the L.L.Bean Mastercard and the cardholder declines the rental company's collision damage waiver (CDW) or similar option. Coverage is secondary.

Welcome Bonus 1
New Account Offer - L.L.Bean Gift Card
$30 Gift Card

Get a $30 L.L.Bean Gift Card when you open and use your new L.L.Bean Mastercard. Subject to credit approval.

Benefits Summary (Flags)
PENDING

Extended 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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 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
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 32.24%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by the end of the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: New cardmembers typically receive a sign-up bonus, often in the form of Bean Bucks (e.g., $50-$100 value) after making their first purchase or spending a specified amount within the initial 3 months. Eligibility requirements for application include being at least 18 years old, a U.S. resident, and possessing a valid Social Security Number or ITIN. Approval is subject to creditworthiness, generally requiring fair to good credit history. Bread Financial may consider existing credit relationships and overall credit exposure.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit limit utilization across Bread Financial accounts, multiple late payments or defaults on any Bread Financial product, suspicious activity inconsistent with normal spending patterns, rapid accumulation of credit limits across multiple issuers.

Cliff Effect Rules: The L.L.Bean Mastercard program does not typically feature complex 'cliff effect' rules or card family restrictions similar to those found with premium travel card ecosystems from other major issuers. Each L.L.Bean Mastercard application is generally evaluated independently.

Special Events: Exclusive cardholder-only sales events, bonus Bean Bucks earning days (e.g., 5% back instead of 3% on L.L.Bean purchases), early access to new product launches or seasonal collections, special financing offers on larger L.L.Bean purchases.

Holiday Promos: Enhanced Bean Bucks earning or discounts during major shopping holidays such as Black Friday, Cyber Monday, and the December holiday season. Special promotions around seasonal events like Spring/Summer sales or Back-to-School periods.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Good rewards for LLBean purchases, easy application process, occasional special financing offers.

Top Negative:
Poor customer service, high interest rates, rewards primarily limited to LLBean.

Approval Experience: 72.0 / 100

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Card Value Score: 70.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0