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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3019 reviews)

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4.97

Based on 3,019 reviews, last reviewed 27th Feb 2026

50600% 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

Its helped me to improve my credit score Its helped me to improve my credit score Reviewed on: 27th 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 (3019)

Flexing has helped me spread cost on unforeseen esse...

Flexing has helped me spread cost on unforeseen essential purchases and I have paid NO INTEREST!!! Reviewed on: 12th February 2026

Monzo changed my relationship to money

Monzo has helped me manage my finances better than ever before. The Pots and Virtual Cards help me to put money aside for specific things. The Flex credit card has Pay in 3 Interest Free which is a big help. Reviewed on: 12th February 2026

Monzo have been absolutely amazing, it’s easy to man...

Monzo have been absolutely amazing, it’s easy to manage your money, credit limit and repayments all with a couple of clicks within the app! Reviewed on: 12th February 2026

It's the best credit card out there

It's the best credit card out there, so easy to track my payments Reviewed on: 12th February 2026

Amazing card for getting your credit score up and ea...

Amazing card for getting your credit score up and easy to keep on top of payments! Reviewed on: 12th February 2026

I love the pay in 3 option for 0% interest.

I love the pay in 3 option for 0% interest. Gives a lot of flexibility, hence their name Reviewed on: 12th February 2026

Monzo flex has been a great first credit card

Monzo flex has been a great first credit card for me, with its credit insights and priceless insights of how to increase my credit score it has been a way to grow my credit without any fees or complications. Reviewed on: 12th February 2026

Online support is great, easy to use app, lots of in...

Online support is great, easy to use app, lots of info at time of sign up Reviewed on: 12th February 2026

Credit card management made easy

The Flex card is great as it allows me to easily view when payments are due and for how much. Managing credit with Flex is a game changer and puts traditional or legacy banks to shame. Reviewed on: 12th February 2026

I am super grateful for Monzo's flex credit card.

I am super grateful for Monzo's flex credit card. I struggled to manage cash flow and credit card repayments push my credit score back quite a few times... But the app makes it super clear to understand what needs to be paid when, and encourages you to pay in time/early. The dynamic calculation of interest is key!! Reviewed on: 12th February 2026

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