Credit Card Review & Application

The L.L. Bean Visa Credit Card

4.0

out of 5

- No Annual Fee
- Earn 3% rewards on L.L.Bean purchases
- Earn 1% rewards on all other purchases
- Receive $10 L.L.Bean Coupons as you earn them
- Enjoy free returns and free monogramming at L.L.Bean
- Please see terms and conditions for complete detail



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 3.99%, 16.99% or 19.99% (variable)*
Annual Fee: $0*
Card Issuer: Barclays Bank Delaware
Card Network: VISA®
Card Category: Consumer (Shopping)
Card Type: - Co-Branded Card
- Instant Decision Card
- Shopping Card
- Reward Card
Credit Needed: Average*

The L.L. Bean visa Card starts off with an easy application process. With the ability to apply online, you can fill out a form on the secure website. This form requests your basic information, such as your name, address, phone number, social security number, and email. You can opt for paperless statements, which is a part of the suite of online account management tools. You can also request another card if you wish and sign up for the L.L. Bean E-mail Newsletter.

The application is also the area where you can make arrangements to have your balance transferred from one card to the L.L. Bean card. While this is done to make balance transfers convenient, a balance transfer can be initiated at any time. There is an introductory transfer rate for the first six months of the account and then the balance transfer charge reverts to the original amount after the six months. Cardholders can transfer the balances of up to three cards.

Once the application is completed, the decision is an instant one. In the rare case that you do not receive an instant decision, you will be notified by mail within 7 to 10 days. You will also receive your card in 7 to 10 days after the account has been approved. Once received, you activate the card and can begin using it toward the rewards that come with card use.

The rewards start with the case back on purchases. There is a specific percentage that is rewarded on purchases with L.L Bean, while purchases everywhere else earns a smaller cash back percentage. This cash back is redeemed for gift certificates. Each time your cash back balance reaches $10, you receive a $10 gift certificate that can be used at L.L. Bean. Use your card to make that purchase and you earn even more cash back. There are also exclusive cardmember sales that occur. Use your card on the sale to earn cash back toward certificates and you save even more.

Cardmembers also receive free monogramming on L.L. Bean products that they buy with the card and card purchases from L.L. Bean qualify for free shipping and free return shipping. That makes this a card that saves in multiple ways.

As for the APR, it is quite competitive, but the actual rate is going to depend upon creditworthiness and the market. For balance transfers, there is an introductory APR for the first 12 months. After that, the APR will increase to a specific amount. There is also a balance transfer fee that is a certain percentage of the balance being transferred, but the fee is capped for the first six months the account is open. After that six months, the balance transfer fee returns to normal.

If payments are paid late, there is a late payment fee and that fee may vary by state. There is also a penalty APR that is applied to the card. The penalty APR may remain indefinitely or it may be reduced at the discretion of Barclays, the card issuer. If a payment is returned, then a returned payment fee applies. A late fee may apply if the returned payment is not rectified by the payment due date.

If you need to do a cash advance, the fee is a certain percentage of the cash advance amount and there is a separate APR for cash advances. There is also a fee for foreign transactions. Because the card bears the Visa logo, it can be used anywhere Visa is accepted. The fee for foreign transactions is per transaction.

Overall, this is a store card that offers perks that are typically related to non-store cards. With low APR and money saving opportunities, it is a card that takes care of its cardholders and ensures some of the best deals and savings on L.L. Bean merchandise.


The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Merchandise Reward Cards
- Other Rewards Cards
Reward Unit: Cash
Rewards: - 3% rewards on L.L.Bean purchases
- 1% rewards on all other purchases
- $10 L.L.Bean Coupons as you earn them
Expiration: None*
Yearly Limit: None*
Other Benefits: *See website for other card benefits
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 3.99%, 16.99% or 19.99% (variable)*
Annual Fee: $0*
Grace Period: 23 days*
Min Finance Charge: $2.00
Late Payment Fee: $0.00*
Over Limit Fee: Up to $35
Balance Transfer: Yes
Transfer Fee (%): 4.00%
Minimum Fee: $10.00
APR Cash Advances: 25.24%
Cash Advance Fee: 5.00%
Minimum Fee: $10.00
Additional Fees Foreign Transaction: 3% of each transaction in U.S. dollars
Returned Payment: Up to $35 (the amount of the fee varies by state)

We do not offer online application for this card at the moment.


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† The information provided for The L.L. Bean Visa Credit Card is believed to be accurate at the time of evaluation (May 29, 2015). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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