Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (3011 reviews)

View other Monzo products

4.97

Based on 3,011 reviews, last reviewed 24th Feb 2026

49800% 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

Since 2022 my experience is very awesome Since 2022 my experience is very awesome Reviewed on: 24th 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

Read all reviews Write a review

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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Purchase credit card reviews (3011)

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

Magical Monzo - forever loyal!

Monzo has helped me in so many ways with regards to money. Banking is made so much easier as they provide excellent visuals and breakdowns of payments, which help me to manage my money better which I found other banks didn’t do as much of. The notifications help as a reminder of what I’ve spent, and the opportunities for rewards and investments are always provided. I have both a current and flex account and I was always worried about having a credit card but Monzo helped me to feel safe and work out ways to pay back payments in a way that suited me. I honestly will always remain loyal to Monzo from the trust and opportunities they provide! Reviewed on: 12th February 2026

I love Flex.

I love Flex. It's a brilliant product that is incredibly flexible (see what I did there). I'm not a huge fan of having credit cards but the ability to move payments and select the interest means I have much more control. Reviewed on: 12th February 2026

Monzo Flex

Monzo flex is always my choice when it comes to big purchases. Reviewed on: 12th February 2026

Great transparency and features

I have always been apprehensive about using credit cards due to lack of transparency around fees, terms, interest, and even checking your balance. Monzo makes all of this very easy and up front with flex. Being able to spread the cost of a specific purchase is a great feature that strikes a balance between traditional credit and buy now pay later systems. Reviewed on: 12th February 2026

Game changing product - spreading cost of my holiday...

Game changing product - spreading cost of my holidays and wedding which isn't possible anywhere else without paying crazy interest. Reviewed on: 12th February 2026

Monzo flex gives you more flexible payment plan and...

Monzo flex gives you more flexible payment plan and I will recommend Monzo flex to my friends and family. Reviewed on: 12th February 2026

To be honest I’ve never had to contact Monzo because...

To be honest I’ve never had to contact Monzo because I’ve not had one problem to report. Everything runs smoothly. Reviewed on: 12th February 2026

I use Monzo for receiving my salary and for all paym...

I use Monzo for receiving my salary and for all payments. I particularly enjoy using the flex credit card for short and long term payments. It is easy to use and helps to track your credit score in app. I highly recommend Monzo Bank for everyone. Reviewed on: 12th February 2026

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Purchase credit cards
from MBNA 2.79 from 196 reviews
Premier Credit Card
from HSBC 3.89 from 20 reviews
Gold Card
from first direct 4.59 from 9 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 6 reviews
Savings
from Monzo 4.97 from 223 reviews
Under 16s account
from Monzo 4.96 from 538 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub