The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $0. Signup bonus: 20% off at L.L.Bean upon approval. Rewards: Bean Bucks: 5% at L.L.Bean, 2% at restaurants, 1% on all other purchases (1 Bean Buck = $1 savings on future L.L.Bean purchases).