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Aurora 0% Intro Card vs Lumen Business Cash

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

Aurora 0% Intro Card

Aurora Card Co
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Rewards
0% intro APR for 18 months on purchases and transfers
Annual fee
USD 0
Bonus
USD 150 after USD 1,000 spend in 3 months
APR
0% intro, then 18.99% to 27.99% variable
Foreign fee
3%
Credit needed
Good to excellent
Full review

Verified 2026-08-06

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

Quick take

Aurora 0% Intro Card fits: Paying down a balance or financing a one-time purchase interest-free.

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

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

Aurora 0% Intro Card targets: excellent, good. Lumen Business Cash 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.