If you like LLBean clothing this card has great perks attached to it. It is a regular Visa credit card as opposed to it just being a store card so it can be used anywhere Visa is accepted. When you use this card you get free shipping, free return shipping, free monograming, and you earn gift certificates redeemable for more merchandise at LLBean. You will also continue to earn more gift cards as you use the card at other locations. The customer service I've received when I've called them has been great and any issues have been promptly solved. LLBean is located in Maine and so unless you live in Maine your purchase is tax free and is delivered quickly through UPS. Available Rates The credit card rates are a bit high however because I don't carry a balance on this card I don't have to worry about paying any interest. This is a no fee credit card so if you pay your balance in full each month you can enjoy the extra gift cards without paying high interest fees.