L.L.Bean® Mastercard®

This card is worth it if you buy from L.L.Bean often enough for the 4% back at the retailer to matter. With no annual fee, there is little downside to carrying it for brand purchases, and the 2% back on dining and gas gives it a bit more day-to-day usefulness than a store-only card.

For most readers, though, this is not the only card you would want in your wallet. The rewards structure is strongest if you already spend with L.L.Bean and want to keep things simple. If you are not a frequent shopper there, a broader cash back card will usually be more useful across your spending.