Fairway Builder Card
Fairway Credit
- Rewards
- 1.5% back while you build credit
- Annual fee
- USD 0
- Bonus
- None
- APR
- 26.99% variable
- Foreign fee
- 3%
- Credit needed
- Fair
Verified 2026-08-06
Fairway Builder 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.
Lumen Business Cash
Lumen Commercial
- 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)
Verified 2026-08-06
Quick take
Fairway Builder Card fits: People with fair scores who want to rebuild with on-time payments.
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
Fairway Builder Card targets: fair. 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.