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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.90 (3188 reviews)

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4.90

Based on 3,188 reviews, last reviewed 14th Jul 2026

92% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

very flexible, great app, user friendly very flexible, great app, user friendly Reviewed on: 14th July 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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Flex Purchase credit card reviews (3188)

Great to use

Great to use easy to up limits by paying on time Reviewed on: 28th February 2026

The best credit card and app.

The best credit card and app. Nothing like it Reviewed on: 28th February 2026

Great credit card to use in purchasing abroad.

Great card to use in purchasing abroad. No extra fee and easy to use. Reviewed on: 28th February 2026

Monzo is an excellent bank offering a fantastic prod...

Monzo is an excellent bank offering a fantastic product with there flex card. Also the other budgeting tools. Reviewed on: 27th February 2026

Very easy to use and communicate with

Very easy to use and communicate with Reviewed on: 27th February 2026

Very impressive service, very easy to use the app.

Very impressive service, very easy to use the app. Overall its 10/10 Reviewed on: 27th February 2026

Best non-rewards credit card

Monzo flex doesn't have airmiles or cashback, and I still choose to use it over any other credit card. It's so easy to use, costs are always incredibly clear even before you make any payments or adjustments, and it helps me manage my spending like nothing else can. And it has a bonus feature of being able to flex past transactions from my debit card and essentially borrow that money back in the short term without any fees, which is brilliant. Reviewed on: 27th February 2026

Monzo flex is awesome.

Monzo flex is awesome. It’s so easy to use and helps my finances. Reviewed on: 27th February 2026

Best credit card highly recommended

Best credit card highly recommended Reviewed on: 27th February 2026

Its helped me to improve my credit score

Its helped me to improve my credit score Reviewed on: 27th February 2026

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