The full terms of the Barclays L.L.Bean Visa are available on LLBean.com. As of June 2015, these include an APR ranging from 13.99 to 19.99 percent for payments owed for purchases and balance transfers, depending on one's credit, as well as an APR of 25.24 percent on cash advances.
All APRs vary with the highest Prime Rate reported in The Wall Street Journal at the end of each month, according to the full cardholder agreement on the L.L.Bean website. Payments on purchases are due 23 days after the end of each billing cycle to avoid interest charges. If a customer incurs interest charges on a delayed payment, she is charged a minimum interest of $0.50. Late payments and returned payments incur a fee of up to $37 depending on one's state. Additionally, late payments may result in a customer's forfeiture of the L.L.Bean Coupon Dollars that are earned as rewards for card use.
Additional payment terms include a 3 percent charge on the U.S. dollar amount of any foreign transactions, according to the L.L.Bean site. Purchases of cash equivalents such as lottery tickets, gambling chips and travelers' checks are treated as cash advances, and the cardholder is charged interest accordingly.