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Lumen Business Cash vs Summit Cash Rewards

Two placeholder products side by side. Pick the row that matches your credit tier and spend pattern, not the flashier bonus alone.

Lumen Business Cash

Lumen Commercial
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Rewards
5% cash back on the first USD 25k in office spend categories
Annual fee
USD 0
Bonus
USD 300 after USD 3,000 spend in 3 months
APR
18.49% to 26.49% variable
Foreign fee
0%
Credit needed
Good to excellent (personal guarantee typical)
Full review

Verified 2026-08-06

Summit Cash Rewards

Summit Bank
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Rewards
2% flat cash back on every purchase
Annual fee
USD 0
Bonus
USD 200 after USD 500 spend in 3 months
APR
19.24% to 27.24% variable
Foreign fee
3%
Credit needed
Good to excellent
Full review

Verified 2026-08-06

Quick take

Lumen Business Cash fits: Sole props and small teams with clear office or ads spend.

Summit Cash Rewards fits: Everyday spenders who want one card and zero math.

Fee and bonus math

Annual fee difference: USD 0 (same fee). Welcome bonuses and spend hurdles are not apples-to-apples when one is cash and the other is points. Value points at a conservative 1 cent each unless you have a known redemption.

Approval path

Lumen Business Cash targets: excellent, good. Summit Cash Rewards targets: excellent, good. If either card uses a prequalify CTA, start there to avoid an unnecessary hard pull.

How we make money: commissions may apply if you open either card through a partner link. Comparison order is alphabetical by card id, not by payout.