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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

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4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% 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

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 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 (3086)

Easy & Flexible

I have been using my Monzo card for nearly a year & it’s so great to have the flexibility with it & also the app makes it super easy to keep track of spend. Reviewed on: 4th April 2024

I love the flex option.

I love the flex option. It makes me feel in control of my finances and my life! Reviewed on: 4th April 2024

The flexibility of the card is incredible.

The flexibility of the card is incredible. I wouldn’t normally be a big credit card user but the Monzo card is so nice to use with such flexible payments that I use it often for security and also to spread out large payments Reviewed on: 4th April 2024

Flex puts you in control of your money!

Having used Monzo Flex for almost 2 years now, I can honestly say that this has been the best credit card I have ever experienced. Update after update, the number of things you can do with this card is incredible. From paying in one go to Flex for up to 24 months (always check how much interest you will pay), Flex puts you in control and allows you to have a full picture of your spending. Plus, Monzo's Customer Service is simply great and they are always there to make things work for you. Reviewed on: 4th April 2024

Great scheduling

I have used flex for years and try my best to never miss a payment, I like the way it has been set up to automatically be paid off otherwise I would have a chance of putting it off. I also love the freedom of being able to pay off extra. And I’m very appreciative of the gesture to flex a payment a few days after the purchase! Reviewed on: 4th April 2024

I absolutely love the flex credit card.

I absolutely love the flex credit card. I try and keep an eye of how much interest I’m paying on everything and Monzo makes this so easy! The flex card is a game changer when you have something urgent to pay for! Reviewed on: 4th April 2024

Best credit card I’ve had the pleasure of using, mak...

Best credit card I’ve had the pleasure of using, makes it very easy defaulting for balance clearance, makes it easy to pay early (instantly) and set up payment plans. Haven’t used anything over 3 months but it is very transparent with the interest payments Reviewed on: 3rd April 2024

It’s so easy to use and the products are really inno...

It’s so easy to use and the products are really innovative. I have been a customer for a few years now and never had an issue. Their insights are really useful as well. Reviewed on: 3rd April 2024

Fabulous service especially with the flex option

Fabulous service especially with the flex option Reviewed on: 3rd April 2024

Best Credit Card ever

I love Monzo in general, the app is extremely user friendly and visually appealing, heaps of functionality. Flex specifically has made a huge difference to my life and financial wellbeing. The name of the product is fantastic - does exactly what it says and allows to be flexible. Boosted my credit score and allowed for better financial planning. Adore! Reviewed on: 3rd April 2024

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