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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2987 reviews)

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4.97

Based on 2,987 reviews, last reviewed 22nd Feb 2026

47400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

banking best friend love how it has insights into my spending habits - ways to invest - choose credit card payback options and more - genuinely a banking best friend. the... Read more Reviewed on: 22nd February 2026

Latest lowest rating:

2

The most Useless CC I am trying to use Monzo flex credit card and where ever I've tried to use it and that's multiple places it doesn't allow me to use it. It's the most ... Read more Reviewed on: 4th June 2025

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About this product

The Monzo Flex Purchase credit card has a starting limit of up to £10,000.

With Monzo Flex Purchase, you can pay abroad with no fees. You also get no interest on purchases of £100 or more paid over three months. Get instant notifications, real-time balance updates and freeze and defrost your card, all from the Monzo app.

Monzo Flex Purchase credit card reviews help you find out what it’s really like to be a customer. If you’ve used Monzo before, you can also leave a review and share your experience.

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Monzo Flex Purchase credit card reviews (2987)

banking best friend

love how it has insights into my spending habits - ways to invest - choose credit card payback options and more - genuinely a banking best friend. the vibes are lit Reviewed on: 22nd February 2026

Easy to use and they help me a lot in...

Easy to use and they help me a lot in my finances Reviewed on: 21st February 2026

Monzo makes it easier!

Monzo has helped me financially, by making it easier, accessible and overall a clear and detailed app. I use flex and it helps me balance my payslips every 2 weeks. Great service and great bank. Reviewed on: 21st February 2026

All good.

All good. Best credit card ever. So easy to know limit/ pay back terms/ flex options Reviewed on: 21st February 2026

Monzo gives me great flexibility with clear user int...

Monzo gives me great flexibility with clear user interface so I know where my money is and how I spend it Reviewed on: 21st February 2026

Easy interface to interact with, easy to get up and...

Easy interface to interact with, easy to get up and start running. great first credit card to open, shows credit score on app which is very useful and tips to improve it. can pay 3 month installments for payments of £100+ with 0 interest which comes in very handy Reviewed on: 21st February 2026

Monzo has been like a breath of fresh air

Monzo has been like a breath of fresh air since joining. The app is super easy to use and clean and flex is great. It has contributed to my credit score whilst also Monzo Perks has provided additional credit insights through the credit reports which I don’t need to pay for externally now. It’s very easy to keep up with payments and pay off my credit card early. Reviewed on: 20th February 2026

I don't like the interest fees but everything else i...

I don't like the interest fees but everything else is amazing Reviewed on: 20th February 2026

Monzo excellence

Monzo flex is the best option i have ever had compare to other cards. It supports me a lot. For a middle class people it is like a support. Reviewed on: 20th February 2026

Have had no hassle/issues at all since first gaining...

Have had no hassle/issues at all since first gaining a Monzo card. Worked well in Amsterdam and the UK Reviewed on: 20th February 2026

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